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Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 353.00 512.18 Td (Certain Relationships and) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 353.00 502.18 Td (Related Transactions and) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 353.00 492.18 Td (Director Independence) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.00 492.18 Td (****) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 326.00 478.18 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 326.00 464.23 Td (14.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 353.00 464.18 Td (Principal Accountant Fees) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 353.00 454.18 Td (and Services) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 547.00 454.18 Td (*****) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 326.00 440.18 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 326.00 412.18 Td (Part IV) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 326.00 398.18 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 326.00 384.23 Td (15.) 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Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 278.45 Td (**) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.00 278.45 Td (See Compensation Discussion and ) Tj ET Q q 0 0 0 rg BT 471.54 278.45 Td (Analysis, The Personnel and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.00 270.45 Td (Compensation Committee Report, and 2015 Summary ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.00 262.45 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 404.07 262.45 Td (T) Tj ET Q q 0 0 0 rg BT 408.40 262.45 Td (able and Compensation Information) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.00 254.45 Td (in the Proxy Statement, incorporated herein by reference.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.00 241.45 Td (***) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.00 240.75 Td (See About the Annual Meeting, Stock Ownership and) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.00 232.75 Td (Proposal 4: Approval of Additional Authorized Shares under the) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.00 224.75 Td (Citigroup 2014 Stock Incentive Plan including Annex B, Equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.00 216.75 Td (Compensation Plan Information in the Proxy Statement,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.00 208.75 Td (incorporated herein by reference.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 334.00 196.45 Td (****) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.00 195.75 Td (See Corporate GovernanceDirector Independence, Certain) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.00 187.75 Td (Transactions and Relationships, Compensation Committee) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.00 179.75 Td (Interlocks and Insider Participation, and Indebtedness in the) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.00 171.75 Td (Proxy Statement, incorporated herein by reference.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.00 159.45 Td (*****) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.00 158.75 Td (See Proposal 2: Ratification of Selection of Independent) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.00 150.75 Td (Registered Public Accounting Firm in the Proxy Statement,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.00 142.75 Td (incorporated herein by reference.) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 399.90 Td (Additional information about Citigroup is available on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 387.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 387.90 Td (s website at ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 102.9384765625 386.5669921875 m 182.2744140625 386.5669921875 l s q 0 0 0 rg BT 102.94 387.90 Td (www) Tj ET Q q 0 0 0 rg BT 123.95 387.90 Td (.citigroup.com) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.27 387.90 Td (. Citigroup) Tj ET Q q 0 0 0 rg BT 228.39 387.90 Td (s recent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 375.90 Td (annual reports on Form 10-K, quarterly reports on Form 10-Q, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 363.90 Td (proxy statements, as well as other filings with the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 351.90 Td (Securities and Exchange Commission \(SEC\), are available ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 339.90 Td (free of char) Tj ET Q q 0 0 0 rg BT 81.89 339.90 Td (ge through Citi) Tj ET Q q 0 0 0 rg BT 145.22 339.90 Td (s website by clicking on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 327.90 Td (Investors page and selecting All SEC Filings. ) Tj ET Q q 0 0 0 rg BT 238.00 327.90 Td (The SEC) Tj ET Q q 0 0 0 rg BT 277.16 327.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 315.90 Td (website also contains current reports, information statements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 303.90 Td (and other information regarding Citi at ) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 193.734375 302.5669921875 m 247.19384765625 302.5669921875 l s q 0 0 0 rg BT 193.73 303.90 Td (www) Tj ET Q q 0 0 0 rg BT 214.75 303.90 Td (.sec.gov) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.87 303.90 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 291.90 Td (Certain reclassifications, including a realignment of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 279.90 Td (certain businesses, have been made to the prior periods) Tj ET Q q 0 0 0 rg BT 258.79 279.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 267.90 Td (financial statements to conform to the current period) Tj ET Q q 0 0 0 rg BT 248.98 267.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 255.90 Td (presentation. For information on certain recent such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 243.90 Td (reclassifications, see Note 3 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 231.90 Td (Statements.) Tj ET Q 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 1 J 1 j 3 M 36 209.89999999999998 m 288 209.89999999999998 l s BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 54.00 195.90 Td (Please see Risk Factors below for) Tj ET Q q 0 0 0 rg BT 205.17 195.90 Td ( a discussion of the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 183.90 Td (most significant risks and uncertainties that could impact ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 171.90 Td (Citigr) Tj ET Q q 0 0 0 rg BT 61.37 171.90 Td (oup) Tj ET Q q 0 0 0 rg BT 80.45 171.90 Td (s businesses, financial condition and r) Tj ET Q q 0 0 0 rg BT 240.86 171.90 Td (esults of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 159.90 Td (operations.) Tj ET Q 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 1 J 1 j 3 M 36 149.89999999999998 m 288 149.89999999999998 l s BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 111.90 Td ( ) Tj ET Q endstream endobj 11 0 obj <> endobj 12 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 15.60 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 738.25 Td (As described above, Citigr) Tj ET Q q 0 0 0 rg BT 148.59 738.25 Td (oup is managed pursuant to the following segments:) Tj ET Q /GS0 gs q 540.00 0 0 478.20 36.00 247.06 cm /I17 Do Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 238.90 227.05 Td (\(Chart continues on next page.\)) Tj ET Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 15.60 Td (4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 734.25 Td (The following ar) Tj ET Q q 0 0 0 rg BT 106.38 734.25 Td (e the four) Tj ET Q q 0 0 0 rg BT 147.29 734.25 Td ( r) Tj ET Q q 0 0 0 rg BT 154.05 734.25 Td (egions in which Citigr) Tj ET Q q 0 0 0 rg BT 247.49 734.25 Td (oup operates. ) Tj ET Q q 0 0 0 rg BT 307.03 734.25 Td (The r) Tj ET Q q 0 0 0 rg BT 330.46 734.25 Td (egional r) Tj ET Q q 0 0 0 rg BT 367.77 734.25 Td (esults ar) Tj ET Q q 0 0 0 rg BT 403.42 734.25 Td (e fully r) Tj ET Q q 0 0 0 rg BT 436.57 734.25 Td (eflected in the segment r) Tj ET Q q 0 0 0 rg BT 540.24 734.25 Td (esults ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 722.25 Td (above.) Tj ET Q /GS0 gs q 505.00 0 0 165.00 36.00 552.25 cm /I18 Do Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 542.65 Td (* ) Tj ET Q q 0 0 0 rg BT 41.56 542.65 Td (As previously announced, Citigroup intends to exit its consumer businesses in Brazil, ) Tj ET Q q 0 0 0 rg BT 316.64 542.65 Td (Ar) Tj ET Q q 0 0 0 rg BT 324.93 542.65 Td (gentina and Colombia. Ef) Tj ET Q q 0 0 0 rg BT 408.99 542.65 Td (fective in the first quarter of 2016, these businesses, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 533.05 Td (which previously have been reported as part of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 187.95 533.05 Td (Latin ) Tj ET Q q 0 0 0 rg BT 206.70 533.05 Td (America GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 251.80 533.05 Td (, will be reported as part of Citi Holdings. For additional information, see Citicorp below) Tj ET Q q 0 0 0 rg BT 544.99 533.05 Td (. Citi ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 523.45 Td (intends to release a revised Quarterly Financial Data Supplement reflecting this realignment prior to the release of its first quarter of 2016 earnings information.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 504.25 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 504.25 Td (For reporting purposes, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 130.88 504.25 Td (Asia GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 163.10 504.25 Td ( includes the results of operations of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 281.07 504.25 Td (EMEA) Tj ET Q q 0 0 0 rg BT 302.25 504.25 Td ( GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 504.25 Td ( for all periods presented.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 494.65 Td (\(2\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 494.65 Td (North ) Tj ET Q q 0 0 0 rg BT 74.53 494.65 Td (Americ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 97.63 494.65 Td (a includes the U.S., Canada and Puerto Rico, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 243.38 494.65 Td (Latin ) Tj ET Q q 0 0 0 rg BT 262.13 494.65 Td (America) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.23 494.65 Td ( includes Mexico and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 359.88 494.65 Td (Asia) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.10 494.65 Td ( includes Japan. ) Tj ET Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (5) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (MANAGEMENTS DISCUSSION ) Tj ET Q q 0 0 0 rg BT 216.03 747.90 Td (AND ) Tj ET Q q 0 0 0 rg BT 244.37 747.90 Td (ANAL) Tj ET Q q 0 0 0 rg BT 277.27 747.90 Td (YSIS OF) Tj ET Q q 0 0 0 rg BT 323.17 747.90 Td ( FINANCIAL) Tj ET Q q 0 0 0 rg BT 393.51 747.90 Td ( CONDITION ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 733.50 Td (AND RESUL) Tj ET Q q 0 0 0 rg BT 103.91 733.50 Td (TS OF) Tj ET Q q 0 0 0 rg BT 137.81 733.50 Td ( OPERA) Tj ET Q q 0 0 0 rg BT 181.92 733.50 Td (TIONS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 709.50 Td (EXECUTIVE SUMMAR) Tj ET Q q 0 0 0 rg BT 143.71 709.50 Td (Y) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.93 709.50 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 685.50 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 685.50 Td (s full year 2015 results of operations reflected a solid ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 673.50 Td (overall performance. ) Tj ET Q q 0 0 0 rg BT 123.73 673.50 Td (As described in more detail throughout ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 661.50 Td (this Executive Summary) Tj ET Q q 0 0 0 rg BT 133.67 661.50 Td (, Citi) Tj ET Q q 0 0 0 rg BT 156.45 661.50 Td (s full year 2015 net income of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 649.50 Td ($17.1 billion was its highest since pre-financial crisis, when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 637.50 Td (Citi was a very dif) Tj ET Q q 0 0 0 rg BT 109.69 637.50 Td (ferent company in terms of footprint, mix of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 625.50 Td (businesses and assets. During the year) Tj ET Q q 0 0 0 rg BT 190.84 625.50 Td (, Citi was able to grow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 613.50 Td (revenues by 3% and make investments in its core Citicorp ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 601.50 Td (businesses while reducing its overall expenses, thus improving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 589.50 Td (its overall ef) Tj ET Q q 0 0 0 rg BT 85.80 589.50 Td (ficiency ratio. Loan and deposit growth in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 577.50 Td (Citicorp each grew by 5% while Citi) Tj ET Q q 0 0 0 rg BT 185.41 577.50 Td (s overall balance sheet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 565.50 Td (decreased by 3% \(each excluding the impact of foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 553.50 Td (currency translation into U.S. dollars for reporting purposes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 541.50 Td (\(FX translation\)\). Citi also ended 2015 with a Common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 529.50 Td (Equity ) Tj ET Q q 0 0 0 rg BT 64.98 529.50 Td (T) Tj ET Q q 0 0 0 rg BT 70.74 529.50 Td (ier 1 Capital ratio, on a fully implemented basis, of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 517.50 Td (12.1%.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 505.50 Td (In addition to these accomplishments, Citi made ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 493.50 Td (significant progress on its execution priorities during 2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 481.50 Td (including:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 463.50 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 463.50 Td (Ef) Tj ET Q q 0 0 0 rg BT 63.26 463.50 Td (ficient resource allocation and disciplined expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 451.50 Td (management: ) Tj ET Q q 0 0 0 rg BT 112.32 451.50 Td (As described above, Citi maintained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 439.50 Td (disciplined expense management during 2015, even as it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 427.50 Td (continued to absorb increased regulatory and compliance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 415.50 Td (costs in Citicorp and made ongoing business investments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 403.50 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 403.50 Td (s expense management during 2015 was further aided ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 391.50 Td (by lower legal and related expenses and lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 379.50 Td (repositioning expenses in Citicorp as compared to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 367.50 Td (prior year) Tj ET Q q 0 0 0 rg BT 92.75 367.50 Td (, as discussed further below) Tj ET Q q 0 0 0 rg BT 202.90 367.50 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 355.50 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 355.50 Td (Continued wind down of Citi Holdings, while maintaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 343.50 Td (profitability: Citi significantly reduced the assets in Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 331.50 Td (Holdings during the year) Tj ET Q q 0 0 0 rg BT 153.15 331.50 Td (. Citi Holdings) Tj ET Q q 0 0 0 rg BT 217.41 331.50 Td ( assets decreased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 319.50 Td ($55 billion, or 43%, from 2014, ending the year at $74 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 307.50 Td (billion. In addition, as of December 31, 2015, Citi had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 295.50 Td (executed agreements to further reduce Citi Holdings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 283.50 Td (GAAP) Tj ET Q q 0 0 0 rg BT 80.86 283.50 Td ( assets by approximately $7 billion in 2016 \(for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 271.50 Td (additional information, see Citi Holdings below\). ) Tj ET Q q 0 0 0 rg BT 264.24 271.50 Td (As ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 259.50 Td (discussed further below) Tj ET Q q 0 0 0 rg BT 148.33 259.50 Td (, Citi Holdings also maintained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 247.50 Td (profitability in 2015.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 235.50 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 235.50 Td (Utilization of deferred tax assets \(DT) Tj ET Q q 0 0 0 rg BT 202.31 235.50 Td (As\): Citi utilized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 223.50 Td (approximately $1.5 billion in DT) Tj ET Q q 0 0 0 rg BT 185.68 223.50 Td (As during 2015 \(for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 211.50 Td (additional information, see Significant ) Tj ET Q q 0 0 0 rg BT 214.24 211.50 Td (Accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 199.50 Td (Policies and Significant EstimatesIncome ) Tj ET Q q 0 0 0 rg BT 232.67 199.50 Td (T) Tj ET Q q 0 0 0 rg BT 238.08 199.50 Td (axes below ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 187.50 Td (and Note 9 to the Consolidated Financial Statements\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 163.50 Td (Citi was able to achieve these results and make ongoing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 151.50 Td (progress on its execution priorities during a year with market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 139.50 Td (volatility and uncertainties, including macroeconomic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 127.50 Td (uncertainties, slower global growth and market volatility ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 115.50 Td (resulting from, among other things, lower commodity prices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 103.50 Td (as well as uncertainty regarding the timing and pace of U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 91.50 Td (interest rate changes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 79.50 Td (As the year) Tj ET Q q 0 0 0 rg BT 99.34 79.50 Td (-to-date has shown, Citi expects the operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 67.50 Td (environment in 2016 to remain challenging, with many of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 55.50 Td (uncertainties impacting its results of operations during 2015 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 709.50 Td (continuing into 2016. For a more detailed discussion of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 697.50 Td (risks and uncertainties that could impact Citi) Tj ET Q q 0 0 0 rg BT 505.63 697.50 Td (s businesses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 685.50 Td (results of operations and financial condition during 2016, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 673.50 Td (each respective business) Tj ET Q q 0 0 0 rg BT 424.33 673.50 Td ( results of operations, Risk Factors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 661.50 Td (and Managing Global Risk below) Tj ET Q q 0 0 0 rg BT 467.21 661.50 Td (. ) Tj ET Q q 0 0 0 rg BT 474.53 661.50 Td (While Citi may not be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 649.50 Td (able to control all aspects of its operating environment in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 637.50 Td (2016, it intends to continue to build on the progress made ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 625.50 Td (during 2015 by remaining focused on its execution priorities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 613.50 Td (and tar) Tj ET Q q 0 0 0 rg BT 351.30 613.50 Td (get client strategy) Tj ET Q q 0 0 0 rg BT 421.74 613.50 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 589.50 Td (2015 Summary Results) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 565.50 Td (Citigroup) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 553.50 Td (Citigroup reported net income of $17.2 billion or $5.40 per ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 541.50 Td (share, compared to $7.3 billion or $2.20 per share in the prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 529.50 Td (year) Tj ET Q q 0 0 0 rg BT 340.66 529.50 Td (. Results in 2015 included $254 million \($162 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 517.50 Td (after) Tj ET Q q 0 0 0 rg BT 342.12 517.50 Td (-tax\) of CV) Tj ET Q q 0 0 0 rg BT 386.92 517.50 Td (A/DV) Tj ET Q q 0 0 0 rg BT 410.08 517.50 Td (A, compared to negative $390 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 505.50 Td (\(negative $240 million after) Tj ET Q q 0 0 0 rg BT 435.71 505.50 Td (-tax\) in 2014. Citigroup full year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 493.50 Td (2014 results also included a char) Tj ET Q q 0 0 0 rg BT 454.62 493.50 Td (ge of $3.8 billion \($3.7 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 481.50 Td (after) Tj ET Q q 0 0 0 rg BT 342.12 481.50 Td (-tax\) to settle RMBS and CDO-related claims recorded in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 469.50 Td (Citi Holdings and a tax char) Tj ET Q q 0 0 0 rg BT 436.29 469.50 Td (ge of $210 million related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 457.50 Td (corporate tax reforms recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 460.32 457.50 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 457.50 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 445.50 Td (Excluding the impact of CV) Tj ET Q q 0 0 0 rg BT 453.46 445.50 Td (A/DV) Tj ET Q q 0 0 0 rg BT 476.62 445.50 Td (A) Tj ET Q q 0 0 0 rg BT 483.29 445.50 Td ( in both periods as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 433.50 Td (well as the impact of the mortgage settlement and the tax item ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 421.50 Td (in 2014, Citigroup reported net income of $17.1 billion in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 409.50 Td (2015, or $5.35 per share, compared to $1) Tj ET Q q 0 0 0 rg BT 488.03 409.50 Td (1.5 billion, or $3.55 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 397.50 Td (per share, in the prior year) Tj ET Q q 0 0 0 rg BT 428.96 397.50 Td (. \(Citi) Tj ET Q q 0 0 0 rg BT 457.57 397.50 Td (s results of operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 385.50 Td (excluding the impact of CV) Tj ET Q q 0 0 0 rg BT 433.79 385.50 Td (A/DV) Tj ET Q q 0 0 0 rg BT 456.95 385.50 Td (A) Tj ET Q q 0 0 0 rg BT 463.62 385.50 Td ( as well as the impact of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 373.50 Td (mortgage settlement and the tax item in 2014 are non-GAAP) Tj ET Q q 0 0 0 rg BT 567.18 373.50 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 361.50 Td (financial measures. Citi believes the presentation of its results) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 349.50 Td (of operations excluding these impacts provides a more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 337.50 Td (meaningful depiction for investors of the underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 325.50 Td (fundamentals of its businesses.\) ) Tj ET Q q 0 0 0 rg BT 456.02 325.50 Td (The 49% increase from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 313.50 Td (prior year was primarily driven by lower expenses and lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 301.50 Td (net credit losses, partially of) Tj ET Q q 0 0 0 rg BT 436.84 301.50 Td (fset by lower revenues and a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 289.50 Td (reduced net loan loss reserve release. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 277.50 Td (Citi) Tj ET Q q 0 0 0 rg BT 359.78 277.50 Td (s revenues were $76.4 billion in 2015, a decrease of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 265.50 Td (1% from the prior year) Tj ET Q q 0 0 0 rg BT 415.08 265.50 Td (. Excluding CV) Tj ET Q q 0 0 0 rg BT 478.79 265.50 Td (A/DV) Tj ET Q q 0 0 0 rg BT 501.94 265.50 Td (A, revenues were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 253.50 Td ($76.1 billion, down 2% from the prior year) Tj ET Q q 0 0 0 rg BT 496.07 253.50 Td (, as Citicorp ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 241.50 Td (revenues decreased by 2% and Citi Holdings revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 229.50 Td (decreased 1%. Excluding CV) Tj ET Q q 0 0 0 rg BT 442.95 229.50 Td (A/DV) Tj ET Q q 0 0 0 rg BT 466.10 229.50 Td (A) Tj ET Q q 0 0 0 rg BT 472.77 229.50 Td ( and the impact of FX ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 217.50 Td (translation, Citigroup revenues increased 3% from the prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 205.50 Td (year) Tj ET Q q 0 0 0 rg BT 340.81 205.50 Td (, driven by an increase of 3% in both Citicorp and Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 193.50 Td (Holdings) Tj ET Q q 0 0 0 rg BT 363.26 193.50 Td ( revenues. \(Citi) Tj ET Q q 0 0 0 rg BT 429.91 193.50 Td (s results of operations excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 181.50 Td (impact of FX translation are non-GAAP) Tj ET Q q 0 0 0 rg BT 484.43 181.50 Td ( financial measures. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 169.50 Td (Citi believes the presentation of its results of operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 157.50 Td (excluding the impact of FX translation provides a more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 145.50 Td (meaningful depiction for investors of the underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 133.50 Td (fundamentals of its businesses.\)) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 109.50 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 97.50 Td (Citigroup expenses decreased 21% versus the prior year to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 85.50 Td ($43.6 billion. Excluding the impact of the mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 73.50 Td (settlement in the prior year) Tj ET Q q 0 0 0 rg BT 431.34 73.50 Td (, Citigroup expenses declined 15% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 61.50 Td (driven by significantly lower legal and related expenses \($1.5 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 49.50 Td (billion compared to $5.8 billion in the prior year\) and ) Tj ET Q endstream endobj 17 0 obj <> endobj 18 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (repositioning costs \($472 million compared to $1.6 billion in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (the prior year\), as well as the impact of FX translation \(which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (lowered expenses by approximately $2.6 billion in 2015 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (compared to the prior year\). Excluding the impact of both the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (mortgage settlement in the prior year and FX translation, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 77.11 689.10 Td (s expenses declined 10%, mainly driven by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (lower legal and related expenses and repositioning costs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 665.10 Td (Excluding the impact of FX translation, which lowered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (reported expenses by approximately $2.4 billion in 2015 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (compared to the prior year) Tj ET Q q 0 0 0 rg BT 141.66 641.10 Td (, Citicorp expenses decreased 9% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (also driven by significantly lower legal and related expenses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (and repositioning costs. Citicorp expenses in 2015 included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (legal and related expenses of $1.1 billion, compared to $4.8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (billion in the prior year) Tj ET Q q 0 0 0 rg BT 128.35 593.10 Td (, and $278 million of repositioning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (costs, compared to $1.5 billion in the prior year) Tj ET Q q 0 0 0 rg BT 225.40 581.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 569.10 Td (Citi Holdings) Tj ET Q q 0 0 0 rg BT 110.76 569.10 Td ( expenses were $4.6 billion, down 52% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (from the prior year) Tj ET Q q 0 0 0 rg BT 111.25 557.10 Td (. Excluding the impact of the mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (settlement in the prior year) Tj ET Q q 0 0 0 rg BT 143.34 545.10 Td (, Citi Holdings) Tj ET Q q 0 0 0 rg BT 205.10 545.10 Td ( expenses decreased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (22%, primarily driven by the ongoing decline in Citi Holdings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (assets as well as lower legal and related expenses. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (Credit Costs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 485.10 Td (s total provisions for credit losses and for benefits and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (claims of $7.9 billion increased 6% from the prior year) Tj ET Q q 0 0 0 rg BT 255.38 473.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (Excluding the impact of the mortgage settlement in the prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (year) Tj ET Q q 0 0 0 rg BT 52.81 449.10 Td (, Citi) Tj ET Q q 0 0 0 rg BT 75.59 449.10 Td (s total provisions for credit losses and for benefits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (and claims increased 7% as a lower net loan loss reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (release was partially of) Tj ET Q q 0 0 0 rg BT 128.28 425.10 Td (fset by lower net credit losses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 413.10 Td (Net credit losses of $7.3 billion declined 19% versus the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (prior year) Tj ET Q q 0 0 0 rg BT 74.59 401.10 Td (. Consumer net credit losses declined 19% to $7.1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (billion, mostly reflecting continued improvements in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 249.57 389.10 Td (North ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.88 377.10 Td ( Citi-branded cards and Citi retail services in Citicorp ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (as well as the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 92.09 365.10 Td (North ) Tj ET Q q 0 0 0 rg BT 117.75 365.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.63 365.10 Td ( mortgage portfolio within Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (Holdings. Corporate net credit losses declined 19% to $234 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (million. ) Tj ET Q q 0 0 0 rg BT 71.84 341.10 Td (As previously disclosed, corporate net credit losses in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (2014 included approximately $165 million of net credit losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (related to the Pemex supplier program in Mexico \(for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (additional information, see ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 150.41 305.10 Td (Institutional Clients Gr) Tj ET Q q 0 0 0 rg BT 243.38 305.10 Td (oup) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.38 305.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (below\). Excluding these net credit losses in the prior year) Tj ET Q q 0 0 0 rg BT 268.03 293.10 Td (, net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (credit losses increased by approximately $1) Tj ET Q q 0 0 0 rg BT 210.30 281.10 Td (1) Tj ET Q q 0 0 0 rg BT 214.93 281.10 Td (1 million, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (primarily related to a limited number of ener) Tj ET Q q 0 0 0 rg BT 214.36 269.10 Td (gy and ener) Tj ET Q q 0 0 0 rg BT 260.83 269.10 Td (gy-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (related corporate loans, predominantly incurred during the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (latter part of 2015 \(for additional information, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 40.44 233.10 Td (Institutional Clients Gr) Tj ET Q q 0 0 0 rg BT 133.41 233.10 Td (oup) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.41 233.10 Td ( and Credit RiskCorporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (Credit below\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 209.10 Td (The net release of allowance for loan losses and unfunded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (lending commitments was $120 million in 2015, compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (a $2.4 billion release in 2014, excluding the impact of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (mortgage settlement in the prior year) Tj ET Q q 0 0 0 rg BT 183.45 173.10 Td (. Citicorp) Tj ET Q q 0 0 0 rg BT 226.50 173.10 Td (s net reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (build was $409 million, compared to a net loan loss reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (release of $1.4 billion in 2014. ) Tj ET Q q 0 0 0 rg BT 163.29 149.10 Td (The build in 2015 was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (primarily driven by net loan loss reserve builds in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 237.35 137.10 Td (Institutional ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (Clients Gr) Tj ET Q q 0 0 0 rg BT 77.58 125.10 Td (oup \(ICG\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.96 125.10 Td ( during the latter part of 2015) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 236.70 125.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.70 125.10 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (approximately $530 million for ener) Tj ET Q q 0 0 0 rg BT 181.34 113.10 Td (gy and ener) Tj ET Q q 0 0 0 rg BT 227.80 113.10 Td (gy-related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (exposures. Overall, Citi expects its credit costs in Citicorp ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (will likely be higher in 2016 as compared to 2015 given that it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (believes the vast majority of its net loan loss reserve releases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (have occurred as credit quality has lar) Tj ET Q q 0 0 0 rg BT 187.42 65.10 Td (gely stabilized.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (Citi Holdings) Tj ET Q q 0 0 0 rg BT 398.76 749.10 Td ( net reserve release, excluding the impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (the mortgage settlement in the prior year) Tj ET Q q 0 0 0 rg BT 486.32 737.10 Td (, decreased $443 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (million from the prior year to $529 million, primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (reflecting lower net releases related to the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 493.64 713.10 Td (North ) Tj ET Q q 0 0 0 rg BT 519.30 713.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.17 713.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (mortgage portfolio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 689.10 Td (For additional information on Citi) Tj ET Q q 0 0 0 rg BT 480.88 689.10 Td (s consumer and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (corporate credit costs and allowance for loan losses, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (Credit Risk below) Tj ET Q q 0 0 0 rg BT 405.00 665.10 Td (. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (Capital) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (Citi continued to grow its regulatory capital during 2015, even ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (as it returned approximately $5.9 billion of capital to its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (shareholders in the form of common stock repurchases and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (dividends. Citigroup) Tj ET Q q 0 0 0 rg BT 411.50 593.10 Td (s ) Tj ET Q q 0 0 0 rg BT 417.71 593.10 Td (T) Tj ET Q q 0 0 0 rg BT 423.47 593.10 Td (ier 1 Capital and Common Equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.76 581.10 Td (ier 1 Capital ratios, on a fully implemented basis, were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (13.5% and 12.1% as of December 31, 2015, respectively) Tj ET Q q 0 0 0 rg BT 550.50 569.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (compared to 1) Tj ET Q q 0 0 0 rg BT 380.83 557.10 Td (1.5% and 10.6% as of December 31, 2014 \(all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (based on the Basel III ) Tj ET Q q 0 0 0 rg BT 413.14 545.10 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 455.63 545.10 Td (Approaches for determining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (risk-weighted assets\). Citigroup) Tj ET Q q 0 0 0 rg BT 456.76 533.10 Td (s Supplementary Leverage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (ratio as of December 31, 2015, on a fully implemented basis, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (was 7.1%, compared to 5.9% as of December 31, 2014. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (additional information on Citi) Tj ET Q q 0 0 0 rg BT 446.49 497.10 Td (s capital ratios and related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (components, including the impact of Citi) Tj ET Q q 0 0 0 rg BT 490.64 485.10 Td (s DT) Tj ET Q q 0 0 0 rg BT 509.56 485.10 Td (As on its capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (ratios, see Capital Resources below) Tj ET Q q 0 0 0 rg BT 474.13 473.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (Citicorp) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (Citicorp net income increased 50% from the prior year to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td ($16.2 billion. CV) Tj ET Q q 0 0 0 rg BT 395.22 425.10 Td (A/DV) Tj ET Q q 0 0 0 rg BT 418.37 425.10 Td (A, recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 478.35 425.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.57 425.10 Td (,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 498.07 425.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.57 425.10 Td (was $269 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (\($172 million after) Tj ET Q q 0 0 0 rg BT 399.34 413.10 Td (-tax\) in 2015, compared to negative $343 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (million \(negative $21) Tj ET Q q 0 0 0 rg BT 409.72 401.10 Td (1 million after) Tj ET Q q 0 0 0 rg BT 466.73 401.10 Td (-tax\) in the prior year \(for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (a summary of CV) Tj ET Q q 0 0 0 rg BT 394.09 389.10 Td (A/DV) Tj ET Q q 0 0 0 rg BT 417.24 389.10 Td (A) Tj ET Q q 0 0 0 rg BT 423.91 389.10 Td ( by business within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 503.36 389.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.58 389.10 Td (, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 328.44 377.10 Td (Institutional Clients Gr) Tj ET Q q 0 0 0 rg BT 421.41 377.10 Td (oup) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.41 377.10 Td ( below\). Excluding CV) Tj ET Q q 0 0 0 rg BT 534.82 377.10 Td (A/DV) Tj ET Q q 0 0 0 rg BT 557.97 377.10 Td (A) Tj ET Q q 0 0 0 rg BT 564.64 377.10 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (both periods and the tax item in 2014, Citicorp) Tj ET Q q 0 0 0 rg BT 513.69 365.10 Td (s net income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (was $16.0 billion, up 43% from the prior year) Tj ET Q q 0 0 0 rg BT 506.90 353.10 Td (, primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (driven by the lower expenses and net credit losses, partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (of) Tj ET Q q 0 0 0 rg BT 332.15 329.10 Td (fset by lower revenues and the net loan loss reserve builds.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 317.10 Td (Citicorp revenues decreased 1% from the prior year to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td ($68.5 billion. Excluding CV) Tj ET Q q 0 0 0 rg BT 438.82 305.10 Td (A/DV) Tj ET Q q 0 0 0 rg BT 461.97 305.10 Td (A, Citicorp revenues were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td ($68.2 billion in 2015, down 2% from the prior year) Tj ET Q q 0 0 0 rg BT 528.84 293.10 Td (, reflecting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (lar) Tj ET Q q 0 0 0 rg BT 334.37 281.10 Td (gely unchanged revenues in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 448.21 281.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.44 281.10 Td ( and a 6% decrease in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (Global Consumer Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.22 269.10 Td ( \() Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 437.05 269.10 Td (GCB\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.38 269.10 Td ( revenues. ) Tj ET Q q 0 0 0 rg BT 505.36 269.10 Td (As referenced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (above, excluding CV) Tj ET Q q 0 0 0 rg BT 407.41 257.10 Td (A/DV) Tj ET Q q 0 0 0 rg BT 430.57 257.10 Td (A) Tj ET Q q 0 0 0 rg BT 437.24 257.10 Td ( and the impact of FX translation, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (Citicorp) Tj ET Q q 0 0 0 rg BT 359.55 245.10 Td (s) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 363.44 245.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.94 245.10 Td (revenues grew 3%.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 233.10 Td (GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.50 233.10 Td (revenues of $33.9 billion decreased 6% versus the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (prior year) Tj ET Q q 0 0 0 rg BT 362.59 221.10 Td (. Excluding the impact of FX translation, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 531.45 221.10 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.45 221.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (revenues decreased 1%, as decreases in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 484.20 209.10 Td (North ) Tj ET Q q 0 0 0 rg BT 509.85 209.10 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 566.23 209.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (and) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 338.44 197.10 Td ( ) Tj ET Q q 0 0 0 rg BT 340.76 197.10 Td (Asia GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.54 197.10 Td (were) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 402.96 197.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.46 197.10 Td (partially of) Tj ET Q q 0 0 0 rg BT 449.43 197.10 Td (fset by an increase in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 536.34 197.10 Td (Latin ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.38 185.10 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 387.88 185.10 Td (North ) Tj ET Q q 0 0 0 rg BT 413.54 185.10 Td (America GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.41 185.10 Td (revenues decreased 1% to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td ($19.4 billion, as lower revenues in Citi-branded cards were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (partially of) Tj ET Q q 0 0 0 rg BT 367.97 161.10 Td (fset by higher retail banking revenues. Citi-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (branded cards revenues of $7.8 billion were down 6% versus ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (the prior year) Tj ET Q q 0 0 0 rg BT 377.46 137.10 Td (, reflecting the continued impact of lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (average loans as well as an increase in acquisition and rewards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (costs related to new account acquisitions, particularly during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (the second half of 2015. Citi retail services revenues of $6.4 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (billion were lar) Tj ET Q q 0 0 0 rg BT 384.91 89.10 Td (gely unchanged versus the prior year) Tj ET Q q 0 0 0 rg BT 531.95 89.10 Td (, as the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (continued impact of lower fuel prices and higher contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (partner payments was of) Tj ET Q q 0 0 0 rg BT 421.84 65.10 Td (fset by modest growth in average ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (loans. Retail banking revenues increased 6% from the prior ) Tj ET Q endstream endobj 19 0 obj <> endobj 20 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 33.60 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (year to $5.2 billion, reflecting continued loan and deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (growth and improved deposit spreads. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 193.47 737.10 Td (North ) Tj ET Q q 0 0 0 rg BT 219.13 737.10 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.51 737.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (average deposits of $172 billion increased 1% year) Tj ET Q q 0 0 0 rg BT 239.90 725.10 Td (-over) Tj ET Q q 0 0 0 rg BT 260.79 725.10 Td (-year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (and average retail loans of $50 billion grew 7%. ) Tj ET Q q 0 0 0 rg BT 232.88 713.10 Td (A) Tj ET Q q 0 0 0 rg BT 239.36 713.10 Td (verage card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (loans of $107 billion decreased 2%, while purchase sales of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td ($263 billion increased 4% versus the prior year) Tj ET Q q 0 0 0 rg BT 224.56 689.10 Td (. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (additional information on the results of operations of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 249.84 677.10 Td (North ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.38 665.10 Td ( for 2015, see ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 153.74 665.10 Td (Global Consumer Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.96 665.10 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 270.96 665.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (North ) Tj ET Q q 0 0 0 rg BT 61.66 653.10 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.04 653.10 Td ( below) Tj ET Q q 0 0 0 rg BT 148.76 653.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 151.26 653.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 641.10 Td (International ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 107.59 641.10 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.59 641.10 Td ( revenues \(consisting of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 225.34 641.10 Td (EMEA) Tj ET Q q 0 0 0 rg BT 251.82 641.10 Td ( GCB, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (Latin ) Tj ET Q q 0 0 0 rg BT 59.44 629.10 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.81 629.10 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 135.25 629.10 Td (Asia GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.53 629.10 Td (\) decreased 12% versus the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (prior year to $14.4 billion. Excluding the impact of FX ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (translation, international ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 136.25 605.10 Td (GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.75 605.10 Td (revenues were unchanged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (versus the prior year) Tj ET Q q 0 0 0 rg BT 117.36 593.10 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 124.86 593.10 Td (Latin ) Tj ET Q q 0 0 0 rg BT 148.30 593.10 Td (America GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.18 593.10 Td (revenues increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (3% versus the prior year) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 133.74 581.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.74 581.10 Td (as increases in loan and deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (balances as well as the impact of business divestitures were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (partially of) Tj ET Q q 0 0 0 rg BT 79.97 557.10 Td (fset by the continued impact of spread compression ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (in cards. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 74.88 545.10 Td (Asia GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.66 545.10 Td (revenues declined 3% versus the prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (year) Tj ET Q q 0 0 0 rg BT 52.81 533.10 Td (, reflecting) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 96.12 533.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.62 533.10 Td (lower investment sales revenues as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (continued high payment rates and the ongoing impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (regulatory changes in cards, partially of) Tj ET Q q 0 0 0 rg BT 194.65 509.10 Td (fset by growth in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (lending, deposit and insurance products. For additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (information on the results of operations of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 207.35 485.10 Td (Latin ) Tj ET Q q 0 0 0 rg BT 230.79 485.10 Td (America GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.94 473.10 Td (Asia GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.22 473.10 Td ( \(which includes the results of operations of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (EMEA) Tj ET Q q 0 0 0 rg BT 62.47 461.10 Td ( GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.47 461.10 Td (for reporting purposes\) for 2015, including the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (impact of FX translation,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 136.54 449.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.04 449.10 Td (see ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 158.74 449.10 Td (Global Consumer Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.96 449.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (below) Tj ET Q q 0 0 0 rg BT 59.79 437.10 Td (. ) Tj ET Q q 0 0 0 rg BT 66.92 437.10 Td (Y) Tj ET Q q 0 0 0 rg BT 73.14 437.10 Td (ear) Tj ET Q q 0 0 0 rg BT 85.15 437.10 Td (-over) Tj ET Q q 0 0 0 rg BT 106.04 437.10 Td (-year) Tj ET Q q 0 0 0 rg BT 126.18 437.10 Td (, international ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 184.22 437.10 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.22 437.10 Td ( average deposits of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td ($129 billion increased 5%, average retail loans of $99 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (increased 3%, investment sales of $78 billion decreased 8%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (average card loans of $26 billion increased 2% and card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (purchase sales of $101 billion increased 6%, all excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (impact of FX translation. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 365.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.22 365.10 Td ( revenues were $33.7 billion in 2015, up 2% from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (prior year) Tj ET Q q 0 0 0 rg BT 74.59 353.10 Td (. Excluding CV) Tj ET Q q 0 0 0 rg BT 138.30 353.10 Td (A/DV) Tj ET Q q 0 0 0 rg BT 161.45 353.10 Td (A, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 173.68 353.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.90 353.10 Td ( revenues were lar) Tj ET Q q 0 0 0 rg BT 263.73 353.10 Td (gely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (unchanged from the prior year at $33.5 billion. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 329.10 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.33 329.10 Td ( revenues of $16.9 billion, excluding CV) Tj ET Q q 0 0 0 rg BT 249.34 329.10 Td (A/DV) Tj ET Q q 0 0 0 rg BT 272.50 329.10 Td (A) Tj ET Q q 0 0 0 rg BT 279.17 329.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (and the impact of mark-to-market gains on hedges related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (accrual loans within corporate lending \(see below\), were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (lar) Tj ET Q q 0 0 0 rg BT 46.37 293.10 Td (gely unchanged compared to the prior year) Tj ET Q q 0 0 0 rg BT 217.56 293.10 Td (, as lower equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (underwriting activity within investment banking as well as the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (impact of FX translation was of) Tj ET Q q 0 0 0 rg BT 162.74 269.10 Td (fset by higher advisory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (revenues and continued growth in the private bank. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (Investment banking revenues of $4.5 billion decreased 3% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (versus the prior year) Tj ET Q q 0 0 0 rg BT 117.36 233.10 Td (. ) Tj ET Q q 0 0 0 rg BT 124.31 233.10 Td (Advisory revenues increased 16% to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td ($1.1 billion with sustained wallet share gains for the year) Tj ET Q q 0 0 0 rg BT 264.28 221.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (Debt underwriting revenues increased 1% to $2.5 billion, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (driven by wallet share gains in investment grade debt and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (strong performance in investment grade loans in the second ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (half of 2015, while equity underwriting revenues decreased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (28% to $902 million, lar) Tj ET Q q 0 0 0 rg BT 133.87 161.10 Td (gely reflecting lower industry-wide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (underwriting activity during the year) Tj ET Q q 0 0 0 rg BT 182.63 149.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 137.10 Td (Private bank revenues, excluding CV) Tj ET Q q 0 0 0 rg BT 201.84 137.10 Td (A/DV) Tj ET Q q 0 0 0 rg BT 224.99 137.10 Td (A, increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (8% to $2.9 billion from the prior year) Tj ET Q q 0 0 0 rg BT 186.12 125.10 Td (, driven by higher loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (and deposit balances as well as growth in managed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (investments revenue. Corporate lending revenues rose 8% to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td ($2.0 billion, including $323 million of mark-to-market gains ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (on hedges related to accrual loans compared to a $1) Tj ET Q q 0 0 0 rg BT 242.49 77.10 Td (16 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (gain in the prior year) Tj ET Q q 0 0 0 rg BT 119.31 65.10 Td (. Excluding the impact of FX translation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (and the mark-to-market impact of loan hedges, corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (lending revenues increased 3% versus the prior year) Tj ET Q q 0 0 0 rg BT 532.13 749.10 Td (, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (growth in average loans was partially of) Tj ET Q q 0 0 0 rg BT 484.32 737.10 Td (fset by the impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (lower spreads. ) Tj ET Q q 0 0 0 rg BT 386.58 725.10 Td (T) Tj ET Q q 0 0 0 rg BT 392.33 725.10 Td (reasury and trade solutions revenues of $7.8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (billion were relatively unchanged versus the prior year) Tj ET Q q 0 0 0 rg BT 541.98 713.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (Excluding the impact of FX translation, treasury and trade ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (solutions revenues increased 6%, as continued growth in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (deposit balances and spreads was partially of) Tj ET Q q 0 0 0 rg BT 503.76 677.10 Td (fset by lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (trade revenues. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 653.10 Td (Markets and securities services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.80 653.10 Td ( revenues of $16.3 billion, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (excluding CV) Tj ET Q q 0 0 0 rg BT 378.54 641.10 Td (A/DV) Tj ET Q q 0 0 0 rg BT 401.69 641.10 Td (A, decreased 1% from the prior year) Tj ET Q q 0 0 0 rg BT 546.91 641.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (Fixed income markets revenues of $1) Tj ET Q q 0 0 0 rg BT 473.86 629.10 Td (1.3 billion, excluding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (CV) Tj ET Q q 0 0 0 rg BT 336.60 617.10 Td (A/DV) Tj ET Q q 0 0 0 rg BT 359.76 617.10 Td (A, decreased 7% from the prior year) Tj ET Q q 0 0 0 rg BT 505.12 617.10 Td (, as growth in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (rates and currencies was more than of) Tj ET Q q 0 0 0 rg BT 474.86 605.10 Td (fset by a slowdown in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (spread products, reflecting the volatile trading environment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (during the year) Tj ET Q q 0 0 0 rg BT 383.98 581.10 Td (. Equity markets revenues of $3.1 billion, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (excluding CV) Tj ET Q q 0 0 0 rg BT 378.54 569.10 Td (A/DV) Tj ET Q q 0 0 0 rg BT 401.69 569.10 Td (A, increased 13% versus the prior year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (driven by growth across all products. Securities services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (revenues of $2.1 billion increased 4% versus the prior year) Tj ET Q q 0 0 0 rg BT 559.08 545.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (and increased 15% excluding the impact of FX translation, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (reflecting increased client activity and higher client balances. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (For additional information on the results of operations of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 554.23 509.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 571.46 509.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (for 2015, see ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 382.87 497.10 Td (Institutional Clients Gr) Tj ET Q q 0 0 0 rg BT 475.84 497.10 Td (oup) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.84 497.10 Td ( below) Tj ET Q q 0 0 0 rg BT 521.56 497.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 485.10 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.78 485.10 Td ( revenues increased to $907 million from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td ($301 million in the prior year) Tj ET Q q 0 0 0 rg BT 441.63 473.10 Td (, driven mainly by gains on debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (buybacks during the course of 2015. For additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (information on the results of operations of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 495.35 449.10 Td (Corporate/Other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 565.63 449.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (2015, see ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 368.71 437.10 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.49 437.10 Td ( below) Tj ET Q q 0 0 0 rg BT 467.21 437.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 425.10 Td (Citicorp end-of-period loans increased 1% to $573 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (from the prior year) Tj ET Q q 0 0 0 rg BT 399.40 413.10 Td (, as a 5% increase in corporate loans was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (partially of) Tj ET Q q 0 0 0 rg BT 367.97 401.10 Td (fset by a 2% decrease in consumer loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (Excluding the impact of FX translation, Citicorp loans grew ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (5%, with 8% growth in corporate loans and 2% growth in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (consumer loans.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (Citi Holdings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (Citi Holdings) Tj ET Q q 0 0 0 rg BT 380.76 329.10 Td ( net income was $1.0 billion in 2015, compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (to a net loss of $3.5 billion in the prior year) Tj ET Q q 0 0 0 rg BT 497.03 317.10 Td (. CV) Tj ET Q q 0 0 0 rg BT 517.13 317.10 Td (A/DV) Tj ET Q q 0 0 0 rg BT 540.28 317.10 Td (A) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 547.51 317.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.01 317.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (negative $15 million \(negative $10 million after) Tj ET Q q 0 0 0 rg BT 515.97 305.10 Td (-tax\) in 2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (compared to negative $47 million \(negative $29 million after) Tj ET Q q 0 0 0 rg BT 568.17 293.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (tax\) in the prior year) Tj ET Q q 0 0 0 rg BT 405.64 281.10 Td (. Excluding the impact of CV) Tj ET Q q 0 0 0 rg BT 524.60 281.10 Td (A/DV) Tj ET Q q 0 0 0 rg BT 547.75 281.10 Td (A) Tj ET Q q 0 0 0 rg BT 554.42 281.10 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (both periods and the impact of the mortgage settlement in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (prior year) Tj ET Q q 0 0 0 rg BT 362.75 257.10 Td (, Citi Holdings) Tj ET Q q 0 0 0 rg BT 424.51 257.10 Td ( net income was $1.1 billion, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (compared to $275 million in the prior year) Tj ET Q q 0 0 0 rg BT 493.83 245.10 Td (, primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (reflecting lower expenses and lower credit costs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 221.10 Td (Citi Holdings) Tj ET Q q 0 0 0 rg BT 398.76 221.10 Td ( revenues were lar) Tj ET Q q 0 0 0 rg BT 471.59 221.10 Td (gely unchanged from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (prior year at $7.8 billion. Excluding CV) Tj ET Q q 0 0 0 rg BT 485.18 209.10 Td (A/DV) Tj ET Q q 0 0 0 rg BT 508.34 209.10 Td (A, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (Holdings) Tj ET Q q 0 0 0 rg BT 363.26 197.10 Td ( revenues decreased 1% to $7.9 billion from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (prior year) Tj ET Q q 0 0 0 rg BT 362.75 185.10 Td (, primarily driven by the overall wind-down of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (portfolio and the impact of redemptions of high cost debt, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (mostly of) Tj ET Q q 0 0 0 rg BT 361.88 161.10 Td (fset by the impact of higher gains on asset sales. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (additional information on the results of operations of Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (Holdings in 2015, see Citi Holdings below) Tj ET Q q 0 0 0 rg BT 503.06 137.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 125.10 Td (At the end of 2015, Citi Holdings) Tj ET Q q 0 0 0 rg BT 478.75 125.10 Td ( assets were $74 billion, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (43% below the prior year) Tj ET Q q 0 0 0 rg BT 425.23 113.10 Td (, and represented approximately 4% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (of Citi) Tj ET Q q 0 0 0 rg BT 352.61 101.10 Td (s total GAAP) Tj ET Q q 0 0 0 rg BT 406.13 101.10 Td ( assets. Citi Holdings) Tj ET Q q 0 0 0 rg BT 496.23 101.10 Td ( risk-weighted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (assets were $133 billion as of December 31, 2015, a decrease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (of 30% from the prior year) Tj ET Q q 0 0 0 rg BT 431.06 77.10 Td (, and represented 1) Tj ET Q q 0 0 0 rg BT 506.21 77.10 Td (1% of Citi) Tj ET Q q 0 0 0 rg BT 550.66 77.10 Td (s risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (weighted assets under Basel III \(based on the ) Tj ET Q q 0 0 0 rg BT 506.72 65.10 Td (Advanced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (Approaches for determining risk-weighted assets\).) Tj ET Q endstream endobj 21 0 obj <> endobj 22 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (8) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 740.90 Td (RESUL) Tj ET Q q 0 0 0 rg BT 74.91 740.90 Td (TS OF) Tj ET Q q 0 0 0 rg BT 108.81 740.90 Td ( OPERA) Tj ET Q q 0 0 0 rg BT 152.92 740.90 Td (TIONS) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 718.50 Td (SUMMAR) Tj ET Q q 0 0 0 rg BT 90.90 718.50 Td (Y) Tj ET Q q 0 0 0 rg BT 99.12 718.50 Td ( OF) Tj ET Q q 0 0 0 rg BT 118.34 718.50 Td ( SELECTED FINANCIAL) Tj ET Q q 0 0 0 rg BT 255.71 718.50 Td ( DA) Tj ET Q q 0 0 0 rg BT 275.15 718.50 Td (T) Tj ET Q q 0 0 0 rg BT 282.26 718.50 Td (AP) Tj ET Q q 0 0 0 rg BT 309.37 718.50 Td (AGE1) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 399.05 699.70 Td (Citigr) Tj ET Q q 0 0 0 rg BT 420.22 699.70 Td (oup Inc. and Consolidated Subsidiaries) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 661.20 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.75 661.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.75 661.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.75 661.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.75 661.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 661.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 633.20 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.75 633.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.75 633.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.75 633.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.75 633.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 633.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 605.20 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.75 605.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.75 605.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.75 605.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.75 605.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 605.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 577.20 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.75 577.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.75 577.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.75 577.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.75 577.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 577.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 549.20 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.75 549.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.75 549.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.75 549.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.75 549.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 549.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 521.20 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.75 521.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.75 521.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.75 521.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.75 521.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 521.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 493.20 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.75 493.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.75 493.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.75 493.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.75 493.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 493.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 447.20 231.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.75 447.20 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.75 447.20 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.75 447.20 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.75 447.20 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 447.20 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 410.20 231.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.75 410.20 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.75 410.20 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.75 410.20 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.75 410.20 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 410.20 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 372.20 231.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.75 372.20 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.75 372.20 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.75 372.20 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.75 372.20 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 372.20 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 343.20 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.75 343.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.75 343.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.75 343.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.75 343.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 343.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 315.20 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.75 315.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.75 315.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.75 315.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.75 315.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 315.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 287.20 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.75 287.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.75 287.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.75 287.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.75 287.20 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.75 287.20 59.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 675.2 m 266.75 675.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.75 675.2 m 325.75 675.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.75 675.2 m 384.75 675.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.75 675.2 m 443.75 675.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.75 675.2 m 502.75 675.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 675.2 m 561.75 675.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.75 675.2 m 384.75 675.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.75 675.2 m 443.75 675.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.75 675.2 m 502.75 675.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 675.2 m 561.75 675.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 647.2 m 266.75 647.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.75 647.2 m 325.75 647.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.75 647.2 m 384.75 647.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.75 647.2 m 443.75 647.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.75 647.2 m 502.75 647.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 647.2 m 561.75 647.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.75 647.2 m 325.75 647.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.75 647.2 m 384.75 647.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 605.2 m 266.75 605.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.75 605.2 m 325.75 605.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.75 605.2 m 384.75 605.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.75 605.2 m 443.75 605.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.75 605.2 m 502.75 605.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 605.2 m 561.75 605.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 577.2 m 266.75 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.75 577.2 m 325.75 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.75 577.2 m 384.75 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.75 577.2 m 443.75 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.75 577.2 m 502.75 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 577.2 m 561.75 577.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 549.2 m 266.75 549.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.75 549.2 m 325.75 549.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.75 549.2 m 384.75 549.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.75 549.2 m 443.75 549.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.75 549.2 m 502.75 549.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 549.2 m 561.75 549.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.75 549.2 m 325.75 549.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.75 549.2 m 384.75 549.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.75 549.2 m 443.75 549.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.75 549.2 m 502.75 549.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 549.2 m 561.75 549.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 521.2 m 266.75 521.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.75 521.2 m 325.75 521.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.75 521.2 m 384.75 521.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.75 521.2 m 443.75 521.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.75 521.2 m 502.75 521.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 521.2 m 561.75 521.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 507.20000000000005 m 266.75 507.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.75 507.20000000000005 m 325.75 507.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.75 507.20000000000005 m 384.75 507.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.75 507.20000000000005 m 443.75 507.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.75 507.20000000000005 m 502.75 507.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 507.20000000000005 m 561.75 507.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 507.20000000000005 m 266.75 507.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.75 507.20000000000005 m 325.75 507.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.75 507.20000000000005 m 384.75 507.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.75 507.20000000000005 m 443.75 507.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.75 507.20000000000005 m 502.75 507.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 507.20000000000005 m 561.75 507.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 447.20000000000005 m 266.75 447.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.75 447.20000000000005 m 325.75 447.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.75 447.20000000000005 m 384.75 447.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.75 447.20000000000005 m 443.75 447.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.75 447.20000000000005 m 502.75 447.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 447.20000000000005 m 561.75 447.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 410.20000000000005 m 266.75 410.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 387.20000000000005 m 266.75 387.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.75 410.20000000000005 m 325.75 410.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.75 387.20000000000005 m 325.75 387.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.75 410.20000000000005 m 384.75 410.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.75 387.20000000000005 m 384.75 387.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.75 410.20000000000005 m 443.75 410.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.75 387.20000000000005 m 443.75 387.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.75 410.20000000000005 m 502.75 410.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.75 387.20000000000005 m 502.75 387.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 410.20000000000005 m 561.75 410.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 387.20000000000005 m 561.75 387.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 329.20000000000005 m 266.75 329.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.75 329.20000000000005 m 325.75 329.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.75 329.20000000000005 m 384.75 329.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.75 329.20000000000005 m 443.75 329.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.75 329.20000000000005 m 502.75 329.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 329.20000000000005 m 561.75 329.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 329.20000000000005 m 266.75 329.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 273.20000000000005 m 266.75 273.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 266.75 273.20000000000005 m 325.75 273.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 325.75 273.20000000000005 m 384.75 273.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 384.75 273.20000000000005 m 443.75 273.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 443.75 273.20000000000005 m 502.75 273.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 502.75 273.20000000000005 m 561.75 273.20000000000005 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.25 679.45 Td (In millions of dollars, except per-share amounts and ratios) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.75 679.65 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 345.75 679.66 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.75 679.66 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.75 679.66 Td (2012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.90 679.66 Td (2011) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 665.66 Td (Net interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.25 665.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.15 665.65 Td (46,630) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.25 665.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.15 665.66 Td (47,993) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.25 665.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.15 665.66 Td (46,793) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 665.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.15 665.66 Td (46,686) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.25 665.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.15 665.66 Td (47,649) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 651.66 Td (Non-interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.15 651.65 Td (29,724) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.15 651.66 Td (29,226) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.15 651.66 Td (29,931) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.15 651.66 Td (22,844) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.15 651.66 Td (29,986) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 637.65 Td (Revenues, net of interest expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.25 637.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.15 637.65 Td (76,354) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.25 637.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.15 637.66 Td (77,219) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.25 637.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.15 637.66 Td (76,724) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 637.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.15 637.66 Td (69,530) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.25 637.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.15 637.66 Td (77,635) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 623.66 Td (Operating expenses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.15 623.65 Td (43,615) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.15 623.66 Td (55,051) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.15 623.66 Td (48,408) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.15 623.66 Td (50,036) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.15 623.66 Td (50,180) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 609.66 Td (Provisions for credit losses and for benefits and claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.65 609.65 Td (7,913) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.65 609.66 Td (7,467) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.65 609.66 Td (8,514) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.15 609.66 Td (11,329) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.15 609.66 Td (12,359) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 595.65 Td (Income from continuing operations before income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.25 595.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.15 595.65 Td (24,826) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.25 595.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.15 595.66 Td (14,701) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.25 595.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.15 595.66 Td (19,802) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 595.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.65 595.66 Td (8,165) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.25 595.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.15 595.66 Td (15,096) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 581.66 Td (Income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.65 581.65 Td (7,440) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.65 581.66 Td (7,197) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.65 581.66 Td (6,186) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.40 581.66 Td (397) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.65 581.66 Td (4,020) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 567.65 Td (Income from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.25 567.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.15 567.65 Td (17,386) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.25 567.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.65 567.66 Td (7,504) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.25 567.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.15 567.66 Td (13,616) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 567.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.65 567.66 Td (7,768) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.25 567.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.15 567.66 Td (11,076) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 553.65 Td (Income \(loss\) fr) Tj ET Q q 0 0 0 rg BT 98.07 553.65 Td (om discontinued operations, net of taxes) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 252.07 557.73 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.90 553.65 Td (\(54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.90 553.65 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.40 553.66 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.90 553.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.40 553.66 Td (270) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.90 553.66 Td (\(58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.90 553.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.90 553.66 Td (68) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 539.65 Td (Net income before attribution of noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.25 539.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.15 539.65 Td (17,332) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.25 539.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.65 539.66 Td (7,502) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.25 539.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.15 539.66 Td (13,886) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 539.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.65 539.66 Td (7,710) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.25 539.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.15 539.66 Td (11,144) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 525.66 Td (Net income attributable to noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.90 525.65 Td (90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.40 525.66 Td (192) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.40 525.66 Td (227) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.40 525.66 Td (219) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.40 525.66 Td (148) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 511.65 Td (Citigroups net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.25 511.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.15 511.65 Td (17,242) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.25 511.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.65 511.66 Td (7,310) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.25 511.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.15 511.66 Td (13,659) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 511.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.65 511.66 Td (7,491) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.25 511.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.15 511.66 Td (10,996) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.75 497.66 Td (Less:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 47.25 483.66 Td (Preferred dividendsBasic) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.25 483.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.40 483.65 Td (769) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.25 483.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.40 483.66 Td (511) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.25 483.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.40 483.66 Td (194) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 483.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.90 483.66 Td (26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.25 483.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.90 483.66 Td (26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 47.25 469.66 Td (Dividends and undistributed earnings allocated to employee) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 460.66 Td (restricted and deferred shares that contain nonforfeitable) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 451.66 Td (rights to dividends, applicable to basic EPS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.40 451.65 Td (224) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.40 451.66 Td (111) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.40 451.66 Td (263) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.40 451.66 Td (164) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.40 451.66 Td (184) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 437.65 Td (Income allocated to unrestricted common shareholders for) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 428.65 Td (basic EPS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.25 428.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.15 428.65 Td (16,249) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.25 428.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.65 428.66 Td (6,688) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.25 428.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.15 428.66 Td (13,202) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 428.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.65 428.66 Td (7,301) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.25 428.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.15 428.66 Td (10,786) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 414.66 Td (Add: Other adjustments to income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.90 414.65 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.40 414.66 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.40 414.66 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.90 414.66 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.90 414.66 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 400.65 Td (Income allocated to unrestricted common shareholders for) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 391.65 Td (diluted EPS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.25 391.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.15 391.65 Td (16,249) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.25 391.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.65 391.66 Td (6,689) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.25 391.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.15 391.66 Td (13,203) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 391.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.65 391.66 Td (7,311) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.25 391.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.15 391.66 Td (10,802) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 376.65 Td (Earnings per share) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.25 376.87 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 361.65 Td (Basic) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.25 361.87 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 347.66 Td (Income from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.25 347.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.15 347.65 Td (5.43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.25 347.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.15 347.66 Td (2.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.25 347.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.15 347.66 Td (4.26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 347.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.15 347.66 Td (2.51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.25 347.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.15 347.66 Td (3.68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 333.66 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.15 333.65 Td (5.41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.15 333.66 Td (2.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.15 333.66 Td (4.35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.15 333.66 Td (2.49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.15 333.66 Td (3.71) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 319.65 Td (Diluted) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 305.66 Td (Income from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.25 305.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.15 305.65 Td (5.42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.25 305.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.15 305.66 Td (2.20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.25 305.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.15 305.66 Td (4.25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 305.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.15 305.66 Td (2.44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.25 305.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.15 305.66 Td (3.58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 291.66 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.15 291.65 Td (5.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.15 291.66 Td (2.20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.15 291.66 Td (4.34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.15 291.66 Td (2.42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.15 291.66 Td (3.60) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 277.65 Td (Dividends declared per common share) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.15 277.65 Td (0.16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.15 277.66 Td (0.04) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.15 277.66 Td (0.04) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.15 277.66 Td (0.04) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.15 277.66 Td (0.03) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.75 249.70 Td (Statement continues on the next page, including notes to the table.) Tj ET Q endstream endobj 23 0 obj <> endobj 24 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (9) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 740.90 Td (SUMMAR) Tj ET Q q 0 0 0 rg BT 90.90 740.90 Td (Y) Tj ET Q q 0 0 0 rg BT 99.12 740.90 Td ( OF) Tj ET Q q 0 0 0 rg BT 118.34 740.90 Td ( SELECTED FINANCIAL) Tj ET Q q 0 0 0 rg BT 255.71 740.90 Td ( DA) Tj ET Q q 0 0 0 rg BT 275.15 740.90 Td (T) Tj ET Q q 0 0 0 rg BT 282.26 740.90 Td (AP) Tj ET Q q 0 0 0 rg BT 309.37 740.90 Td (AGE2) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 671.40 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.75 671.40 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.75 671.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.75 671.40 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.75 671.40 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.75 671.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 643.40 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.75 643.40 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.75 643.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.75 643.40 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.75 643.40 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.75 643.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 615.40 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.75 615.40 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.75 615.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.75 615.40 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.75 615.40 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.75 615.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 587.40 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.75 587.40 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.75 587.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.75 587.40 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.75 587.40 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.75 587.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 559.40 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.75 559.40 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.75 559.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.75 559.40 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.75 559.40 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.75 559.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 531.40 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.75 531.40 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.75 531.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.75 531.40 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.75 531.40 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.75 531.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 503.40 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.75 503.40 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.75 503.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.75 503.40 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.75 503.40 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.75 503.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 475.40 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.75 475.40 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.75 475.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.75 475.40 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.75 475.40 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.75 475.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 447.40 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.75 447.40 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.75 447.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.75 447.40 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.75 447.40 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.75 447.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 419.40 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.75 419.40 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.75 419.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.75 419.40 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.75 419.40 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.75 419.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.75 391.40 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.75 391.40 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.75 391.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.75 391.40 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.75 391.40 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.75 391.40 52.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 685.4 m 296.75 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.75 685.4 m 351.75 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.75 685.4 m 403.75 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.75 685.4 m 456.75 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.75 685.4 m 509.75 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.75 685.4 m 561.75 685.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 587.4 m 296.75 587.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.75 587.4 m 351.75 587.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.75 587.4 m 403.75 587.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.75 587.4 m 456.75 587.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.75 587.4 m 509.75 587.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.75 587.4 m 561.75 587.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 517.4 m 296.75 517.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.75 517.4 m 351.75 517.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.75 517.4 m 403.75 517.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.75 517.4 m 456.75 517.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.75 517.4 m 509.75 517.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.75 517.4 m 561.75 517.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.75 447.4 m 351.75 447.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.75 447.4 m 403.75 447.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.75 447.4 m 456.75 447.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.75 447.4 m 509.75 447.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.75 447.4 m 561.75 447.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 447.4 m 296.75 447.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.75 447.4 m 403.75 447.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.75 447.4 m 456.75 447.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.75 447.4 m 509.75 447.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.75 447.4 m 561.75 447.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.75 377.4 m 296.75 377.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 296.75 377.4 m 351.75 377.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 351.75 377.4 m 403.75 377.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 403.75 377.4 m 456.75 377.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 456.75 377.4 m 509.75 377.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 509.75 377.4 m 561.75 377.4 l s BT /F3 9.00 Tf ET q 0 0 0 rg BT 394.80 712.85 Td (Citigroup Inc. and Consolidated Subsidiaries) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.25 689.65 Td (In millions of dollars, except per-share amounts, ratios and direct staff) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.75 689.85 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 689.86 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 689.86 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.75 689.86 Td (2012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.40 689.86 Td (2011) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 675.85 Td (At December 31:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 661.86 Td (Total assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.25 661.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.25 661.85 Td (1,731,210) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.25 661.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 661.86 Td (1,842,181) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.25 661.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.75 661.86 Td (1,880,035) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.25 661.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 661.86 Td (1,864,328) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.25 661.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.75 661.86 Td (1,873,597) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 647.86 Td (Total deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.00 647.85 Td (907,887) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 647.86 Td (899,332) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.50 647.86 Td (968,273) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 647.86 Td (930,560) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 647.86 Td (865,936) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 633.86 Td (Long-term debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.00 633.85 Td (201,275) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 633.86 Td (223,080) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.50 633.86 Td (221,116) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 633.86 Td (239,463) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 633.86 Td (323,505) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 619.86 Td (Citigroup common stockholders equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.00 619.85 Td (205,139) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 619.86 Td (199,717) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.50 619.86 Td (197,254) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 619.86 Td (186,155) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 619.86 Td (177,213) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 605.86 Td (Total Citigroup stockholders equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.00 605.85 Td (221,857) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 605.86 Td (210,185) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.50 605.86 Td (203,992) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 605.86 Td (188,717) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 605.86 Td (177,525) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 591.86 Td (Direct staf) Tj ET Q q 0 0 0 rg BT 75.82 591.86 Td (f ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 81.07 591.86 Td (\(in thousands\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.75 591.85 Td (231) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.25 591.86 Td (241) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.25 591.86 Td (251) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 591.86 Td (259) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.25 591.86 Td (266) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 577.85 Td (Performance metrics) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 563.86 Td (Return on average assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.50 563.85 Td (0.95) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.25 563.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 563.86 Td (0.39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.75 563.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 563.86 Td (0.73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.75 563.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 563.86 Td (0.39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.75 563.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 563.86 Td (0.56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.75 563.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 549.86 Td (Return on average common stockholders) Tj ET Q q 0 0 0 rg BT 188.04 549.86 Td ( equity) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 212.78 553.94 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 549.85 Td (8.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.50 549.86 Td (3.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 549.86 Td (7.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.50 549.86 Td (4.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.50 549.86 Td (6.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 535.86 Td (Return on average total stockholders) Tj ET Q q 0 0 0 rg BT 172.54 535.86 Td ( equity) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 197.28 539.94 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 535.85 Td (7.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.50 535.86 Td (3.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 535.86 Td (6.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.50 535.86 Td (4.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.50 535.86 Td (6.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 521.86 Td (Efficiency ratio \(Total operating expenses/Total revenues\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.25 521.85 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.75 521.86 Td (71) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.75 521.86 Td (63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.75 521.86 Td (72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.75 521.86 Td (65) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.25 507.85 Td (Basel III ratiosfull implementation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 493.86 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 100.09 493.86 Td (T) Tj ET Q q 0 0 0 rg BT 105.27 493.86 Td (ier 1 Capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 149.76 497.94 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 493.85 Td (12.07) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.25 493.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.50 493.86 Td (10.57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.75 493.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 493.86 Td (10.57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.75 493.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 493.86 Td (8.72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.75 493.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.20 493.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 479.86 Td (T) Tj ET Q q 0 0 0 rg BT 43.43 479.86 Td (ier 1 Capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 87.92 483.94 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 479.85 Td (13.49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.50 479.86 Td (11.45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 479.86 Td (11.23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 479.86 Td (9.03) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.20 479.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 465.86 Td (T) Tj ET Q q 0 0 0 rg BT 43.12 465.86 Td (otal Capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 84.86 469.94 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 465.85 Td (15.30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.50 465.86 Td (12.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 465.86 Td (12.64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 465.86 Td (10.81) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.20 465.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 451.86 Td (Supplementary Leverage ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 147.20 455.94 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.50 451.85 Td (7.08) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 451.86 Td (5.94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 451.86 Td (5.42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.20 451.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.20 451.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 437.86 Td (Citigroup common stockholders equity to assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 437.85 Td (11.85) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.25 437.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.50 437.86 Td (10.84) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.75 437.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 437.86 Td (10.49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.75 437.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 437.86 Td (9.99) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.75 437.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 437.86 Td (9.46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.75 437.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 423.86 Td (Total Citigroup stockholders equity to assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 423.85 Td (12.82) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.50 423.86 Td (11.41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 423.86 Td (10.85) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 423.86 Td (10.12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 423.86 Td (9.48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 409.86 Td (Dividend payout ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 117.23 413.94 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 409.85 Td (3.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.50 409.86 Td (1.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 409.86 Td (0.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 409.86 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.00 409.86 Td (0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 395.86 Td (Book value per common share) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.25 395.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 395.85 Td (69.46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.25 395.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.50 395.86 Td (66.05) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.25 395.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 395.86 Td (65.12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.25 395.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 395.86 Td (61.46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.25 395.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.50 395.86 Td (60.61) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.25 381.86 Td (Ratio of earnings to fixed charges and preferred stock dividends) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.00 381.85 Td (2.89x) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 381.86 Td (2.00x) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 381.86 Td (2.18x) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 381.86 Td (1.39x) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 381.86 Td (1.61x) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 360.30 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 360.30 Td (See Note ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 85.10 360.30 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 89.10 360.30 Td ( to the Consolidated Financial Statements for additional information on Citi) Tj ET Q q 0 0 0 rg BT 333.51 360.30 Td (s discontinued operations.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 350.70 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 350.70 Td (The return on average common stockholders) Tj ET Q q 0 0 0 rg BT 198.91 350.70 Td ( equity is calculated using net income less preferred stock dividends divided by average common stockholders) Tj ET Q q 0 0 0 rg BT 553.99 350.70 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 341.10 Td (equity) Tj ET Q q 0 0 0 rg BT 73.48 341.10 Td (. ) Tj ET Q q 0 0 0 rg BT 77.33 341.10 Td (The return on average total Citigroup stockholders) Tj ET Q q 0 0 0 rg BT 241.13 341.10 Td ( equity is calculated using net income divided by average Citigroup stockholders) Tj ET Q q 0 0 0 rg BT 501.58 341.10 Td ( equity) Tj ET Q q 0 0 0 rg BT 523.06 341.10 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 331.50 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 331.50 Td (Capital ratios based on the U.S. Basel III rules, with full implementation assumed for capital components; risk-weighted assets based on the ) Tj ET Q q 0 0 0 rg BT 503.23 331.50 Td (Advanced ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 321.90 Td (Approaches for determining total risk-weighted assets. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 312.30 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 312.30 Td (Citi) Tj ET Q q 0 0 0 rg BT 68.23 312.30 Td (s Supplementary Leverage ratio is based on the U.S. Basel III rules, on a fully implemented basis. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 302.70 Td (\(5\) Dividends declared per common share as a percentage of net income per diluted share.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (N/A) Tj ET Q q 0 0 0 rg BT 49.34 293.10 Td ( Not applicable) Tj ET Q endstream endobj 25 0 obj <> endobj 26 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (10) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (SEGMENT) Tj ET Q q 0 0 0 rg BT 95.79 747.90 Td ( ) Tj ET Q q 0 0 0 rg BT 98.13 747.90 Td (AND BUSINESSINCOME \(LOSS\) ) Tj ET Q q 0 0 0 rg BT 291.84 747.90 Td (AND REVENUES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 727.90 Td (The following tables show the income \(loss\) and revenues for Citigroup on a segment and business view:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 703.90 Td (CITIGROUP) Tj ET Q q 0 0 0 rg BT 93.23 703.90 Td ( INCOME) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 662.40 190.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 662.40 70.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 662.40 70.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 662.40 70.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 662.40 70.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 662.40 70.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 626.40 190.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 626.40 70.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 626.40 70.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 626.40 70.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 626.40 70.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 626.40 70.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 600.40 190.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 600.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 600.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 600.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 600.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 600.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 572.40 190.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 572.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 572.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 572.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 572.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 572.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 544.40 190.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 544.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 544.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 544.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 544.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 544.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 516.40 190.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 516.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 516.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 516.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 516.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 516.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 488.40 190.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 488.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 488.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 488.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 488.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 488.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 460.40 190.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 460.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 460.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 460.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 460.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 460.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 432.40 190.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 432.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 432.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 432.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 432.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 432.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 404.40 190.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 404.40 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 404.40 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 404.40 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 404.40 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 404.40 70.00 -23.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 662.4 m 225.5 662.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 662.4 m 295.5 662.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 662.4 m 365.5 662.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 662.4 m 435.5 662.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 662.4 m 505.5 662.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 662.4 m 575.5 662.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 572.4 m 225.5 572.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 572.4 m 295.5 572.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 572.4 m 365.5 572.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 572.4 m 435.5 572.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 558.4 m 225.5 558.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 558.4 m 295.5 558.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 572.4 m 365.5 572.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 558.4 m 365.5 558.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 572.4 m 435.5 572.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 558.4 m 435.5 558.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 572.4 m 505.5 572.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 558.4 m 505.5 558.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 572.4 m 575.5 572.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 558.4 m 575.5 558.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 488.4 m 225.5 488.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 488.4 m 295.5 488.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 488.4 m 365.5 488.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 488.4 m 435.5 488.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 474.4 m 225.5 474.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 488.4 m 295.5 488.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 474.4 m 295.5 474.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 488.4 m 365.5 488.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 474.4 m 365.5 474.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 488.4 m 435.5 488.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 474.4 m 435.5 474.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 488.4 m 505.5 488.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 488.4 m 575.5 488.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 460.4 m 225.5 460.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 460.4 m 295.5 460.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 474.4 m 365.5 474.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 460.4 m 365.5 460.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 474.4 m 435.5 474.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 460.4 m 435.5 460.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 474.4 m 505.5 474.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 474.4 m 575.5 474.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 446.4 m 225.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 460.4 m 295.5 460.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 446.4 m 295.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 460.4 m 365.5 460.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 446.4 m 365.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 460.4 m 435.5 460.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 446.4 m 435.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 460.4 m 505.5 460.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 460.4 m 575.5 460.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 432.4 m 225.5 432.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 432.4 m 295.5 432.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 446.4 m 365.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 432.4 m 365.5 432.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 446.4 m 435.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 432.4 m 435.5 432.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 446.4 m 505.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 432.4 m 505.5 432.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 446.4 m 575.5 446.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 432.4 m 575.5 432.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 418.4 m 225.5 418.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 418.4 m 295.5 418.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 418.4 m 365.5 418.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 418.4 m 435.5 418.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 418.4 m 505.5 418.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 418.4 m 575.5 418.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 418.4 m 225.5 418.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 418.4 m 295.5 418.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 418.4 m 365.5 418.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 418.4 m 435.5 418.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 381.4 m 225.5 381.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 381.4 m 295.5 381.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 381.4 m 365.5 381.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 381.4 m 435.5 381.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 366.4 m 225.5 366.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 366.4 m 295.5 366.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 366.4 m 365.5 366.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 366.4 m 435.5 366.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 381.4 m 505.5 381.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 366.4 m 505.5 366.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 381.4 m 575.5 381.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 366.4 m 575.5 366.4 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 666.65 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.00 666.85 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 666.86 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 666.86 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.60 675.85 Td (% Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.45 666.85 Td (2015 vs. 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.35 675.86 Td (% Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.45 666.86 Td (2014 vs. 2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 644.85 Td (Income \(loss\) from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 630.85 Td (CITICORP) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 38.00 617.80 Td (Global Consumer Banking) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 38.00 604.85 Td (North America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.00 604.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.40 604.85 Td (4,255) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.00 604.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.40 604.86 Td (4,412) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.00 604.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.40 604.86 Td (3,918) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.50 604.85 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 604.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 604.86 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 604.86 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 38.00 590.85 Td (Latin America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.15 590.85 Td (928) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.40 590.86 Td (1,158) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.40 590.86 Td (1,251) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 590.85 Td (\(20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 590.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 590.86 Td (\(7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 590.86 Td (\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 38.00 576.85 Td (Asia) Tj ET Q BT /F3 9.00 Tf ET BT /F3 5.85 Tf ET q 0 0 0 rg BT 54.00 580.93 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.40 576.85 Td (1,199) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.40 576.86 Td (1,249) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.40 576.86 Td (1,407) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.50 576.85 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 576.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 576.86 Td (\(11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 576.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 562.85 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.00 562.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.40 562.85 Td (6,382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.00 562.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.40 562.86 Td (6,819) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.00 562.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.40 562.86 Td (6,576) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.50 562.85 Td (\(6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 562.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 562.86 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 562.86 Td (%) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 38.00 548.85 Td (Institutional Clients Group) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 38.00 534.85 Td (North America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.00 534.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.40 534.85 Td (3,621) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.00 534.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.40 534.86 Td (4,113) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.00 534.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.40 534.86 Td (3,081) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 534.85 Td (\(12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 534.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 534.86 Td (33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 534.86 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 38.00 520.85 Td (EMEA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.40 520.85 Td (2,288) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.40 520.86 Td (2,034) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.40 520.86 Td (2,554) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 520.85 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 520.86 Td (\(20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 520.86 Td (\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 38.00 506.85 Td (Latin America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.40 506.85 Td (1,328) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.40 506.86 Td (1,345) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.40 506.86 Td (1,606) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.50 506.85 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 506.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 506.86 Td (\(16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 506.86 Td (\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 38.00 492.85 Td (Asia) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.40 492.85 Td (2,214) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.40 492.86 Td (2,042) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.40 492.86 Td (2,184) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.50 492.85 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 492.86 Td (\(7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 492.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 478.85 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.00 478.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.40 478.85 Td (9,451) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.00 478.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.40 478.86 Td (9,534) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.00 478.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.40 478.86 Td (9,425) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.50 478.85 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 478.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 478.86 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 478.86 Td (%) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 38.00 464.85 Td (Corporate/Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.00 464.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.15 464.85 Td (495) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.00 464.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.40 464.86 Td (\(5,375) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.65 464.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.00 464.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.15 464.86 Td (\(514) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.65 464.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 464.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.45 464.86 Td (NM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 450.85 Td (Total Citicorp) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.00 450.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.90 450.85 Td (16,328) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.00 450.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.90 450.86 Td (10,978) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.00 450.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.90 450.86 Td (15,487) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 450.85 Td (49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 450.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 450.86 Td (\(29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 450.86 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 436.85 Td (Citi Holdings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.00 436.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.40 436.85 Td (1,058) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.00 436.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.40 436.86 Td (\(3,474) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.65 436.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.00 436.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.40 436.86 Td (\(1,871) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.65 436.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 436.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 436.86 Td (\(86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 436.86 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 422.85 Td (Income from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.00 422.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.90 422.85 Td (17,386) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.00 422.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.40 422.86 Td (7,504) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.00 422.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.90 422.86 Td (13,616) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 422.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 422.86 Td (\(45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 422.86 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 408.85 Td (Discontinued operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.00 408.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.65 408.85 Td (\(54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.65 408.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.00 408.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.15 408.86 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.65 408.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.00 408.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.15 408.86 Td (270) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 408.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.45 408.86 Td (NM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 394.85 Td (Net income attributable to noncontrolling) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 385.85 Td (interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.65 385.85 Td (90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.15 385.86 Td (192) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.15 385.86 Td (227) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 385.85 Td (\(53) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 385.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 385.86 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 385.86 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 370.85 Td (Citigroups net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.00 370.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.90 370.85 Td (17,242) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.00 370.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.40 370.86 Td (7,310) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.00 370.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.90 370.86 Td (13,659) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 370.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 370.86 Td (\(46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 370.86 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 347.70 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 347.70 Td (For reporting purposes, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 130.88 347.70 Td (Asia GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 163.10 347.70 Td ( includes the results of operations of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 281.07 347.70 Td (EMEA) Tj ET Q q 0 0 0 rg BT 302.25 347.70 Td ( GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 347.70 Td ( for all periods presented.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 338.10 Td (NM Not meaningful) Tj ET Q endstream endobj 27 0 obj <> endobj 28 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.15 33.60 Td (1) Tj ET Q q 0 0 0 rg BT 305.78 33.60 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (CITIGROUP) Tj ET Q q 0 0 0 rg BT 93.23 749.25 Td ( REVENUES) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 715.75 191.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 715.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 715.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 715.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 715.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 715.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 682.75 191.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 682.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 682.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 682.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 682.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 682.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 654.75 191.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 654.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 654.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 654.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 654.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 654.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 626.75 191.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 626.75 70.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 626.75 70.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 626.75 70.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 626.75 70.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 626.75 70.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 587.75 191.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 587.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 587.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 587.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 587.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 587.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 559.75 191.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 559.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 559.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 559.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 559.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 559.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 531.75 191.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 531.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 531.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 531.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 531.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 531.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 503.75 191.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 503.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 503.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 503.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 503.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 503.75 70.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 715.75 m 227.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 715.75 m 297.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 715.75 m 367.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 715.75 m 437.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 715.75 m 507.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 715.75 m 577.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 640.75 m 227.5 640.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 640.75 m 297.5 640.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 640.75 m 367.5 640.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 640.75 m 437.5 640.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 626.75 m 227.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 626.75 m 297.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 626.75 m 367.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 626.75 m 437.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 640.75 m 507.5 640.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 626.75 m 507.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 640.75 m 577.5 640.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 626.75 m 577.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 545.75 m 227.5 545.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 545.75 m 297.5 545.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 545.75 m 367.5 545.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 545.75 m 437.5 545.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 545.75 m 577.5 545.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 545.75 m 297.5 545.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 545.75 m 507.5 545.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 545.75 m 577.5 545.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 517.75 m 227.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 517.75 m 297.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 517.75 m 367.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 517.75 m 437.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 517.75 m 577.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 503.75 m 227.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 517.75 m 297.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 503.75 m 297.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 517.75 m 367.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 503.75 m 367.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 517.75 m 437.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 503.75 m 437.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 517.75 m 507.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 503.75 m 507.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 517.75 m 577.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 503.75 m 577.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 489.75 m 227.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 489.75 m 297.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 489.75 m 367.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 489.75 m 437.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 489.75 m 577.5 489.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 471.75 m 227.5 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 489.75 m 297.5 489.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 471.75 m 297.5 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 489.75 m 367.5 489.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 471.75 m 367.5 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 489.75 m 437.5 489.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 471.75 m 437.5 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 489.75 m 507.5 489.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 471.75 m 507.5 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 489.75 m 577.5 489.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 471.75 m 577.5 471.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 720.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.00 720.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.00 720.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.00 720.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.60 729.20 Td (% Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.45 720.20 Td (2015 vs. 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.35 729.21 Td (% Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.45 720.21 Td (2014 vs. 2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 706.20 Td (CITICORP) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 39.00 687.20 Td (Global Consumer Banking) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 673.20 Td (North America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.00 673.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.90 673.20 Td (19,448) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 673.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.90 673.21 Td (19,669) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 673.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.90 673.21 Td (19,798) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.50 673.20 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 673.20 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 673.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 673.21 Td (\)%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 659.20 Td (Latin America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.40 659.20 Td (7,323) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.40 659.21 Td (8,460) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.40 659.21 Td (8,576) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.00 659.20 Td (\(13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 659.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 659.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 659.21 Td (\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 645.20 Td (Asia) Tj ET Q BT /F3 9.00 Tf ET BT /F3 5.85 Tf ET q 0 0 0 rg BT 55.00 649.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.40 645.20 Td (7,091) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.40 645.21 Td (7,888) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.40 645.21 Td (7,931) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.00 645.20 Td (\(10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 645.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 645.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 645.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 631.20 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.00 631.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.90 631.20 Td (33,862) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 631.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.90 631.21 Td (36,017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 631.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.90 631.21 Td (36,305) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.50 631.20 Td (\(6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 631.20 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 631.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 631.21 Td (\)%) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 39.00 606.20 Td (Institutional Clients Group) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 592.20 Td (North America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.00 592.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.90 592.20 Td (13,105) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 592.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.90 592.21 Td (12,940) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 592.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.90 592.21 Td (11,434) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.50 592.20 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 592.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.50 592.21 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.50 592.21 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 578.20 Td (EMEA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.40 578.20 Td (9,799) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.40 578.21 Td (9,415) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.90 578.21 Td (10,061) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.50 578.20 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 578.21 Td (\(6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 578.21 Td (\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 564.20 Td (Latin America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.40 564.20 Td (3,918) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.40 564.21 Td (4,098) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.40 564.21 Td (4,675) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.50 564.20 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 564.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 564.21 Td (\(12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 564.21 Td (\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 550.20 Td (Asia) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.40 550.20 Td (6,926) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.40 550.21 Td (6,599) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.40 550.21 Td (7,152) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.50 550.20 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 550.21 Td (\(8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 550.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 536.20 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.00 536.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.90 536.20 Td (33,748) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 536.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.90 536.21 Td (33,052) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 536.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.90 536.21 Td (33,322) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.50 536.20 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 536.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 536.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 536.21 Td (\)%) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 39.00 522.20 Td (Corporate/Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.00 522.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.15 522.20 Td (907) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 522.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.15 522.21 Td (301) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 522.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.15 522.21 Td (322) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.00 522.20 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 522.21 Td (\(7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 522.21 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 508.20 Td (Total Citicorp) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.00 508.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.90 508.20 Td (68,517) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 508.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.90 508.21 Td (69,370) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 508.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.90 508.21 Td (69,949) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.50 508.20 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 508.20 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 508.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 508.21 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 494.20 Td (Citi Holdings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.00 494.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.40 494.20 Td (7,837) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 494.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.40 494.21 Td (7,849) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 494.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.40 494.21 Td (6,775) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.00 494.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 494.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.50 494.21 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.50 494.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 476.20 Td (Total Citigroup net revenues) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.00 476.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.90 476.20 Td (76,354) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 476.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.90 476.21 Td (77,219) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 476.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.90 476.21 Td (76,724) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.50 476.20 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 476.20 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 476.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.50 476.21 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 450.65 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 450.65 Td (For reporting purposes, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 130.88 450.65 Td (Asia GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 163.10 450.65 Td ( includes the results of operations of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 281.07 450.65 Td (EMEA) Tj ET Q q 0 0 0 rg BT 302.25 450.65 Td ( GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 450.65 Td ( for all periods presented.) 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0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 357.4 m 414.5 357.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 357.4 m 457.5 357.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 357.4 m 517.5 343.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 357.4 m 517.5 357.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 357.4 m 576.5 357.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 329.4 m 201.5 329.4 l s 364.5 343.4 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 341.4 l 364.5 339.4 m 364.5 337.4 l 364.5 335.4 m 364.5 333.4 l 364.5 331.4 m 364.5 329.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 343.4 m 517.5 329.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 315.4 m 201.5 315.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 329.4 m 247.5 329.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 315.4 m 247.5 315.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 329.4 m 301.5 329.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 315.4 m 301.5 315.4 l s 364.5 329.4 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 327.4 l 364.5 325.4 m 364.5 323.4 l 364.5 321.4 m 364.5 319.4 l 364.5 317.4 m 364.5 315.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 329.4 m 364.5 329.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 315.4 m 364.5 315.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 329.4 m 414.5 329.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 315.4 m 414.5 315.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 329.4 m 457.5 329.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 315.4 m 457.5 315.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 329.4 m 517.5 315.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 329.4 m 517.5 329.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 315.4 m 517.5 315.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 329.4 m 576.5 329.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 315.4 m 576.5 315.4 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 53.00 649.65 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.95 667.85 Td (Global) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 204.05 658.85 Td (Consumer) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.70 649.85 Td (Banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.20 667.85 Td (Institutional) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.50 658.85 Td (Clients) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.30 649.85 Td (Gr) Tj ET Q q 0 0 0 rg BT 272.13 649.85 Td (oup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.25 685.85 Td (Corporate/) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.05 676.85 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 325.20 667.85 Td (and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.95 658.85 Td (consolidating) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.55 649.85 Td (eliminations) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 352.55 653.93 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.70 658.85 Td (Subtotal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 649.85 Td (Citicorp) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.25 658.85 Td (Citi) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.20 649.85 Td (Holdings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.30 712.85 Td (Citigr) Tj ET Q q 0 0 0 rg BT 491.13 712.85 Td (oup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.05 703.85 Td (Par) Tj ET Q q 0 0 0 rg BT 487.88 703.85 Td (ent) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 694.85 Td (company-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.20 685.85 Td (issued) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 676.85 Td (long-term) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.10 667.85 Td (debt and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.55 658.85 Td (stockholders) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.55 649.85 Td (equity) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 495.55 653.93 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.65 667.85 Td (T) Tj ET Q q 0 0 0 rg BT 541.83 667.85 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.80 658.85 Td (Citigr) Tj ET Q q 0 0 0 rg BT 550.63 658.85 Td (oup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.45 649.85 Td (consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 635.85 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 204.00 635.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 635.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.00 635.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 635.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 635.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.00 635.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 635.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 621.86 Td (Cash and deposits with banks) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 204.00 621.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.25 621.85 Td (11,389) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.00 621.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.25 621.85 Td (60,557) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.00 621.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.25 621.85 Td (60,285) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.00 621.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.75 621.85 Td (132,231) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.00 621.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.50 621.85 Td (866) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.00 621.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 621.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 621.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 621.85 Td (133,097) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 607.86 Td (Federal funds sold and securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 598.86 Td (borrowed or purchased under) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 589.86 Td (agreements to resell) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.50 589.85 Td (127) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.75 589.85 Td (218,336) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 589.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.75 589.85 Td (218,463) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.75 589.85 Td (1,212) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 589.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 589.85 Td (219,675) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 575.86 Td (Trading account assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 575.85 Td (5,290) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.75 575.85 Td (240,022) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.75 575.85 Td (1,382) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.75 575.85 Td (246,694) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.75 575.85 Td (3,262) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 575.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 575.85 Td (249,956) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 561.86 Td (Investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 561.85 Td (7,273) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.75 561.85 Td (108,248) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.75 561.85 Td (220,451) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.75 561.85 Td (335,972) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.75 561.85 Td (6,983) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 561.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 561.85 Td (342,955) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 547.86 Td (Loans, net of unearned income and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 204.00 547.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 547.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.00 547.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 547.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 547.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.00 547.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 533.86 Td (allowance for loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 214.75 533.85 Td (277,323) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.75 533.85 Td (284,871) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 533.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.75 533.85 Td (562,194) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.25 533.85 Td (42,797) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 533.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 533.85 Td (604,991) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 519.86 Td (Other assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.25 519.85 Td (44,047) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.25 519.85 Td (75,504) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.25 519.85 Td (45,237) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.75 519.85 Td (164,788) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.25 519.85 Td (15,748) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 519.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 519.85 Td (180,536) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 505.86 Td (Liquidity assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 115.75 509.94 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.25 505.85 Td (48,148) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.75 505.85 Td (223,811) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.75 505.85 Td (\(275,553) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.00 505.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.75 505.85 Td (\(3,594) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.00 505.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.75 505.85 Td (3,594) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 505.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 505.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 491.85 Td (Total assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 204.00 491.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 214.75 491.85 Td (393,597) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.00 491.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.00 491.85 Td (1,211,349) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.00 491.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.25 491.85 Td (51,802) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.00 491.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.00 491.85 Td (1,656,748) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.00 491.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.25 491.85 Td (74,462) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.00 491.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 491.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 491.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.00 491.85 Td (1,731,210) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 477.85 Td (Liabilities and equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 204.00 477.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 477.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.00 477.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 477.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 477.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.00 477.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 477.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 463.86 Td (Total deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 204.00 463.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 214.75 463.85 Td (301,438) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.00 463.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.75 463.85 Td (587,336) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.00 463.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.25 463.85 Td (12,058) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.00 463.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.75 463.85 Td (900,832) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.00 463.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.75 463.85 Td (7,055) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.00 463.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 463.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 463.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 463.85 Td (907,887) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 449.86 Td (Federal funds purchased and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 440.86 Td (securities loaned or sold under) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 431.86 Td (agreements to repurchase) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 431.85 Td (4,235) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.75 431.85 Td (142,200) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 431.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.75 431.85 Td (146,435) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 431.85 Td (61) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 431.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 431.85 Td (146,496) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 417.86 Td (Trading account liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.50 417.85 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.75 417.85 Td (116,633) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 417.85 Td (41) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.75 417.85 Td (116,677) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.50 417.85 Td (835) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 417.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 417.85 Td (117,512) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 403.86 Td (Short-term borrowings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.50 403.85 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.25 403.85 Td (20,962) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 403.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.25 403.85 Td (21,062) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 403.85 Td (17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 403.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 403.85 Td (21,079) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 389.86 Td (Long-term debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 389.85 Td (1,891) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.25 389.85 Td (31,924) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.25 389.85 Td (21,307) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.25 389.85 Td (55,122) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.75 389.85 Td (3,996) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.75 389.85 Td (142,157) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 389.85 Td (201,275) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 375.86 Td (Other liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.25 375.85 Td (16,813) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.25 375.85 Td (73,211) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.25 375.85 Td (17,349) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.75 375.85 Td (107,373) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.75 375.85 Td (6,496) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 375.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 375.85 Td (113,869) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 361.86 Td (Net inter) Tj ET Q q 0 0 0 rg BT 90.56 361.86 Td (-segment funding \(lending\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 189.03 365.94 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.25 361.85 Td (69,117) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.75 361.85 Td (239,083) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.50 361.85 Td (\(188) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.00 361.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.75 361.85 Td (308,012) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.25 361.85 Td (56,002) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.75 361.85 Td (\(364,014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.00 361.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 361.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 347.85 Td (Total liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 204.00 347.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 214.75 347.85 Td (393,597) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.00 347.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.00 347.85 Td (1,211,349) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.00 347.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.25 347.85 Td (50,567) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.00 347.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.00 347.85 Td (1,655,513) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.00 347.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.25 347.85 Td (74,462) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.00 347.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.75 347.85 Td (\(221,857) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.00 347.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 347.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.00 347.85 Td (1,508,118) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 333.85 Td (Total equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 235.00 333.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 333.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.75 333.85 Td (1,235) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.75 333.85 Td (1,235) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 333.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.75 333.85 Td (221,857) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 333.85 Td (223,092) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 319.85 Td (Total liabilities and equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 204.00 319.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 214.75 319.85 Td (393,597) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.00 319.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.00 319.85 Td (1,211,349) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.00 319.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.25 319.85 Td (51,802) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.00 319.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.00 319.85 Td (1,656,748) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.00 319.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.25 319.85 Td (74,462) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.00 319.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 319.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 319.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.00 319.85 Td (1,731,210) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.00 294.30 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 68.00 294.30 Td (The supplemental information presented in the table above reflects Citigroup) Tj ET Q q 0 0 0 rg BT 316.59 294.30 Td (s consolidated GAAP) Tj ET Q q 0 0 0 rg BT 385.62 294.30 Td ( balance sheet by reporting segment as of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.80 294.30 Td (December31, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 68.00 284.70 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 84.00 284.70 Td (. ) Tj ET Q q 0 0 0 rg BT 87.86 284.70 Td (The respective segment information depicts the assets and liabilities managed by each segment as of such date. ) Tj ET Q q 0 0 0 rg BT 444.93 284.70 Td (While this presentation is not defined by ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 68.00 275.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 88.89 275.10 Td (, Citi believes that these non-GAAP) Tj ET Q q 0 0 0 rg BT 203.69 275.10 Td ( financial measures enhance investors) Tj ET Q q 0 0 0 rg BT 326.60 275.10 Td ( understanding of the balance sheet components managed by the underlying ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 68.00 265.50 Td (business segments, as well as the beneficial inter) Tj ET Q q 0 0 0 rg BT 223.80 265.50 Td (-relationships of the asset and liability dynamics of the balance sheet components among Citi) Tj ET Q q 0 0 0 rg BT 524.39 265.50 Td (s business ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 68.00 255.90 Td (segments.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.00 246.30 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 68.00 246.30 Td (Consolidating eliminations for total Citigroup and Citigroup parent company assets and liabilities are recorded within the ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 458.14 246.30 Td (Corporate/Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.36 246.30 Td ( segment.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.00 236.70 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 68.00 236.70 Td (The total stockholders) Tj ET Q q 0 0 0 rg BT 141.16 236.70 Td ( equity and the majority of long-term debt of Citigroup reside in the Citigroup parent company Consolidated Balance Sheet. Citigroup ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 68.00 227.10 Td (allocates stockholders) Tj ET Q q 0 0 0 rg BT 140.49 227.10 Td ( equity and long-term debt to its businesses through inter) Tj ET Q q 0 0 0 rg BT 322.30 227.10 Td (-segment allocations as shown above.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 50.00 217.50 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 68.00 217.50 Td (Represents the attribution of Citigroup) Tj ET Q q 0 0 0 rg BT 193.76 217.50 Td (s liquidity assets \(primarily consisting of cash and available-for) Tj ET Q q 0 0 0 rg BT 396.66 217.50 Td (-sale securities\) to the various businesses based on ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 68.00 207.90 Td (Liquidity Coverage Ratio \(LCR\) assumptions.) Tj ET Q endstream endobj 31 0 obj <> endobj 32 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (13) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (CITICORP) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 727.90 Td (Citicorp is Citigroup) Tj ET Q q 0 0 0 rg BT 121.56 727.90 Td (s global bank for consumers and businesses and represents Citi) Tj ET Q q 0 0 0 rg BT 376.23 727.90 Td (s core franchises. Citicorp is focused on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 715.90 Td (providing best-in-class products and services to customers and leveraging Citigroup) Tj ET Q q 0 0 0 rg BT 374.54 715.90 Td (s unparalleled global network, including many of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 703.90 Td (the world) Tj ET Q q 0 0 0 rg BT 76.83 703.90 Td (s emer) Tj ET Q q 0 0 0 rg BT 103.02 703.90 Td (ging economies. Citicorp is physically present in approximately 100 countries, many for over 100years, and of) Tj ET Q q 0 0 0 rg BT 550.51 703.90 Td (fers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 691.90 Td (services in over 160 countries and jurisdictions. Citi believes this global network provides a strong foundation for servicing the broad ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 679.90 Td (financial services needs of its lar) Tj ET Q q 0 0 0 rg BT 166.60 679.90 Td (ge multinational clients and for meeting the needs of retail, private banking, commercial, public ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 667.90 Td (sector and institutional clients around the world.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 655.90 Td (Citicorp consists of the following operating businesses: ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 278.14 655.90 Td (Global Consumer Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.36 655.90 Td ( \(which consists of consumer banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 643.90 Td (businesses in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 91.00 643.90 Td (North ) Tj ET Q q 0 0 0 rg BT 116.66 643.90 Td (America, EMEA, Latin ) Tj ET Q q 0 0 0 rg BT 210.63 643.90 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.51 643.90 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 263.94 643.90 Td (Asia) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.72 643.90 Td (\) and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 304.49 643.90 Td (Institutional Clients Gr) Tj ET Q q 0 0 0 rg BT 397.46 643.90 Td (oup) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.46 643.90 Td ( \(which includes ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 481.05 643.90 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.38 643.90 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 533.82 643.90 Td (Markets ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 631.90 Td (and securities services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.53 631.90 Td (\). Citicorp also includes ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 224.57 631.90 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.35 631.90 Td (. ) Tj ET Q q 0 0 0 rg BT 299.30 631.90 Td (At December 31, 2015, Citicorp had approximately $1.7 trillion of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 619.90 Td (assets and $901 billion of deposits, representing approximately 96% of Citi) Tj ET Q q 0 0 0 rg BT 340.12 619.90 Td (s total assets and 99% of Citi) Tj ET Q q 0 0 0 rg BT 458.99 619.90 Td (s total deposits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 607.90 Td (Consistent with its strategy to continue to ef) Tj ET Q q 0 0 0 rg BT 230.19 607.90 Td (ficiently allocate its resources and further simplify its ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 446.23 607.90 Td (Global Consumer Bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.67 607.90 Td (, in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 595.90 Td (February 2016, Citi announced that it intends to exit its consumer businesses in ) Tj ET Q q 0 0 0 rg BT 355.40 595.90 Td (Ar) Tj ET Q q 0 0 0 rg BT 365.78 595.90 Td (gentina, Brazil and Colombia. ) Tj ET Q q 0 0 0 rg BT 490.84 595.90 Td (These consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 583.90 Td (businesses, consisting of approximately $6 billion of assets, $5 billion of consumer loans and $3 billion of deposits as of December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 571.90 Td (31, 2015, contributed approximately $1.1 billion of revenues, $900 million of expenses and a net loss of $34 million in 2015. ) Tj ET Q q 0 0 0 rg BT 541.58 571.90 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 559.90 Td (businesses, which previously have been reported as part of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 273.15 559.90 Td (Latin ) Tj ET Q q 0 0 0 rg BT 296.59 559.90 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.97 559.90 Td (, will be reported as part of Citi Holdings beginning in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 547.90 Td (the first quarter of 2016. See also Citigroup Segments above and Citi Holdings below) Tj ET Q q 0 0 0 rg BT 397.77 547.90 Td (. ) Tj ET Q q 0 0 0 rg BT 405.09 547.90 Td (While Citi does not intend to exit its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 535.90 Td (consumer businesses in ) Tj ET Q q 0 0 0 rg BT 132.20 535.90 Td (V) Tj ET Q q 0 0 0 rg BT 138.31 535.90 Td (enezuela, these businesses are not significant, lending predominantly to support ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 459.34 535.90 Td (ICG ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.06 535.90 Td (activities, and will be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 523.90 Td (reported as part of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 111.52 523.90 Td (ICG ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.24 523.90 Td (beginning in the first quarter of 2016. Similarly) Tj ET Q q 0 0 0 rg BT 323.06 523.90 Td (, Citi) Tj ET Q q 0 0 0 rg BT 345.84 523.90 Td (s remaining indirect investment in Banco de Chile will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 511.90 Td (be reported as part of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 123.46 511.90 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.68 511.90 Td ( beginning in the first quarter of 2016.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 466.40 234.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.00 466.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.00 466.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.00 466.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.00 466.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 466.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 438.40 234.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.00 438.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.00 438.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.00 438.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.00 438.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 438.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 410.40 234.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.00 410.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.00 410.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.00 410.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.00 410.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 410.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 382.40 234.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.00 382.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.00 382.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.00 382.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.00 382.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 382.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 354.40 234.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.00 354.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.00 354.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.00 354.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.00 354.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 354.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 326.40 234.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.00 326.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.00 326.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.00 326.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.00 326.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 326.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 298.40 234.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.00 298.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.00 298.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.00 298.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.00 298.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 298.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 270.40 234.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.00 270.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.00 270.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.00 270.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.00 270.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 270.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 242.40 234.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.00 242.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.00 242.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.00 242.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.00 242.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 242.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 214.40 234.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.00 214.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.00 214.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.00 214.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.00 214.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 214.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 186.40 234.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.00 186.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.00 186.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.00 186.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.00 186.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 186.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 158.40 234.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.00 158.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.00 158.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.00 158.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.00 158.40 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 158.40 61.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 466.4 m 270 466.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270 466.4 m 331 466.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331 466.4 m 392 466.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392 466.4 m 453 466.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453 466.4 m 514 466.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 466.4 m 575 466.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 466.4 m 575 466.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 438.4 m 270 438.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270 438.4 m 331 438.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331 438.4 m 392 438.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392 438.4 m 453 438.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 438.4 m 575 438.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 424.4 m 270 424.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270 438.4 m 331 438.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270 424.4 m 331 424.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331 438.4 m 392 438.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331 424.4 m 392 424.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392 438.4 m 453 438.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392 424.4 m 453 424.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453 438.4 m 514 438.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453 424.4 m 514 424.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 438.4 m 575 438.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 424.4 m 575 424.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 382.4 m 270 382.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270 382.4 m 331 382.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331 382.4 m 392 382.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392 382.4 m 453 382.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453 382.4 m 514 382.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 382.4 m 575 382.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 340.4 m 270 340.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270 340.4 m 331 340.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331 340.4 m 392 340.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392 340.4 m 453 340.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453 340.4 m 514 340.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 340.4 m 575 340.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 326.4 m 270 326.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270 340.4 m 331 340.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270 326.4 m 331 326.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331 340.4 m 392 340.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331 326.4 m 392 326.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392 340.4 m 453 340.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392 326.4 m 453 326.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453 326.4 m 514 326.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 340.4 m 575 340.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 326.4 m 575 326.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 312.4 m 270 312.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270 312.4 m 331 312.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331 312.4 m 392 312.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392 312.4 m 453 312.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453 312.4 m 514 312.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 312.4 m 575 312.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270 312.4 m 331 312.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331 312.4 m 392 312.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392 312.4 m 453 312.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 312.4 m 575 312.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 284.4 m 270 284.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270 284.4 m 331 284.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331 284.4 m 392 284.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392 284.4 m 453 284.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453 284.4 m 514 284.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 284.4 m 575 284.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270 284.4 m 331 284.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331 284.4 m 392 284.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392 284.4 m 453 284.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 284.4 m 575 284.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 242.39999999999998 m 270 242.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270 242.39999999999998 m 331 242.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331 242.39999999999998 m 392 242.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392 242.39999999999998 m 453 242.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453 242.39999999999998 m 514 242.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 242.39999999999998 m 575 242.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36 228.39999999999998 m 270 228.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270 242.39999999999998 m 331 242.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 270 228.39999999999998 m 331 228.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331 242.39999999999998 m 392 242.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 331 228.39999999999998 m 392 228.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392 242.39999999999998 m 453 242.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 392 228.39999999999998 m 453 228.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453 228.39999999999998 m 514 228.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514 242.39999999999998 m 575 242.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514 228.39999999999998 m 575 228.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36 130.39999999999998 m 270 130.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 270 130.39999999999998 m 331 130.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 331 130.39999999999998 m 392 130.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 392 130.39999999999998 m 453 130.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453 130.39999999999998 m 514 130.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514 130.39999999999998 m 575 130.39999999999998 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.50 470.65 Td (In millions of dollars except as otherwise noted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 470.85 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 470.86 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.00 470.86 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.60 479.85 Td (% Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.45 470.85 Td (2015 vs. 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.35 479.86 Td (% Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.45 470.86 Td (2014 vs. 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 456.86 Td (Net interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.50 456.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.75 456.85 Td (42,926) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.50 456.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 456.86 Td (43,402) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 456.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 456.86 Td (42,445) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 456.85 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 456.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 456.86 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.00 456.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 442.86 Td (Non-interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.75 442.85 Td (25,591) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 442.86 Td (25,968) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 442.86 Td (27,504) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 442.85 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 442.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 442.86 Td (\(6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 442.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 428.85 Td (Total revenues, net of interest expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.50 428.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.75 428.85 Td (68,517) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.50 428.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 428.86 Td (69,370) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 428.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 428.86 Td (69,949) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 428.85 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 428.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 428.86 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 428.86 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 414.85 Td (Provisions for credit losses and for benefits and claims) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 400.86 Td (Net credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.50 400.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.25 400.85 Td (6,236) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.50 400.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 400.86 Td (7,136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 400.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 400.86 Td (7,199) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.50 400.85 Td (\(13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 400.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 400.86 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 400.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 386.86 Td (Credit reserve build \(release\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.00 386.85 Td (309) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.75 386.86 Td (\(1,238) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 386.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 386.86 Td (\(811) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 386.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 386.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 386.86 Td (\(53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 386.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 372.86 Td (Provision for loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.50 372.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.25 372.85 Td (6,545) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.50 372.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 372.86 Td (5,898) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 372.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 372.86 Td (6,388) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 372.85 Td (11) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.50 372.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 372.86 Td (\(8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 372.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 358.86 Td (Provision for benefits and claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.00 358.85 Td (107) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.50 358.86 Td (144) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.50 358.86 Td (167) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.50 358.85 Td (\(26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 358.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 358.86 Td (\(14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 358.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 344.86 Td (Provision for unfunded lending commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.00 344.85 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 344.86 Td (\(152) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 344.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 344.86 Td (90) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 344.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.95 344.86 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 330.86 Td (Total provisions for credit losses and for benefits and claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.50 330.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.25 330.85 Td (6,752) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.50 330.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 330.86 Td (5,890) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 330.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 330.86 Td (6,645) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 330.85 Td (15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.50 330.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 330.86 Td (\(11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 330.86 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 316.85 Td (Total operating expenses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.50 316.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.75 316.85 Td (39,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.50 316.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 316.86 Td (45,362) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 316.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 316.86 Td (40,498) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.50 316.85 Td (\(14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 316.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 316.86 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.00 316.86 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 302.85 Td (Income from continuing operations before taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.50 302.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.75 302.85 Td (22,765) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.50 302.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 302.86 Td (18,118) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 302.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 302.86 Td (22,806) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 302.85 Td (26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.50 302.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 302.86 Td (\(21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 302.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 288.86 Td (Income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.25 288.85 Td (6,437) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 288.86 Td (7,140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 288.86 Td (7,319) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.50 288.85 Td (\(10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 288.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 288.86 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 288.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 274.85 Td (Income from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.50 274.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.75 274.85 Td (16,328) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.50 274.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 274.86 Td (10,978) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 274.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 274.86 Td (15,487) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 274.85 Td (49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.50 274.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 274.86 Td (\(29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 274.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 260.86 Td (Income \(loss\) from discontinued operations, net of taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 260.85 Td (\(54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.50 260.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 260.86 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 260.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.50 260.86 Td (270) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 260.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.95 260.86 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 246.86 Td (Noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.50 246.85 Td (79) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.50 246.86 Td (186) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.50 246.86 Td (211) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.50 246.85 Td (\(58) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 246.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 246.86 Td (\(12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 246.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 232.85 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.50 232.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.75 232.85 Td (16,195) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.50 232.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 232.86 Td (10,790) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 232.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 232.86 Td (15,546) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 232.85 Td (50) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.50 232.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 232.86 Td (\(31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 232.86 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 218.85 Td (Balance sheet data ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 112.24 218.85 Td (\(in billions of dollars\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 204.85 Td (Total end-of-period \(EOP\) assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.50 204.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.25 204.85 Td (1,657) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.50 204.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 204.86 Td (1,713) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 204.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 204.86 Td (1,726) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 204.85 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 204.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 204.86 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 204.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 190.86 Td (Average assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.25 190.85 Td (1,712) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 190.86 Td (1,753) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 190.86 Td (1,711) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 190.85 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 190.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 190.86 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 176.86 Td (Return on average assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.75 176.85 Td (0.95) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.50 176.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 176.86 Td (0.62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 176.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.25 176.86 Td (0.91) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 176.86 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 162.85 Td (Efficiency ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.50 162.85 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 162.86 Td (65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 162.86 Td (58) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 148.85 Td (Total EOP loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.50 148.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.00 148.85 Td (573) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.50 148.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.50 148.86 Td (565) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 148.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.50 148.86 Td (565) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 148.85 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 148.86 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 134.85 Td (Total EOP deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.00 134.85 Td (901) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.50 134.86 Td (883) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.50 134.86 Td (900) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 134.85 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 134.86 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 134.86 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 113.30 Td (NM Not meaningful) Tj ET Q endstream endobj 33 0 obj <> endobj 34 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 15.60 Td (14) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 756.90 Td (GLOBAL) Tj ET Q q 0 0 0 rg BT 86.68 756.90 Td ( CONSUMER BANKING) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 736.90 Td (Global Consumer Banking \(GCB\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.38 736.90 Td ( consists of Citigroup) Tj ET Q q 0 0 0 rg BT 260.99 736.90 Td (s four geographical consumer banking) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 414.28 736.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.78 736.90 Td (businesses that provide traditional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 724.90 Td (banking services to retail customers through retail banking, including commercial banking, and Citi-branded cards and Citi retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 712.90 Td (services \(for additional information on these businesses, see Citigroup Segments above\). ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 401.74 712.90 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.74 712.90 Td ( is a globally diversified business with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 700.90 Td (2,994 branches in 24 countries around the world as of December 31, 2015. ) Tj ET Q q 0 0 0 rg BT 338.98 700.90 Td (At December31, 2015, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 435.06 700.90 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.06 700.90 Td ( had approximately $394 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 688.90 Td (billion of assets and $301billion of deposits.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 676.90 Td ( GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 676.90 Td () Tj ET Q q 0 0 0 rg BT 73.78 676.90 Td (s overall strategy is to leverage Citi) Tj ET Q q 0 0 0 rg BT 218.18 676.90 Td (s global footprint and seek to be the preeminent bank for the emer) Tj ET Q q 0 0 0 rg BT 481.81 676.90 Td (ging af) Tj ET Q q 0 0 0 rg BT 509.67 676.90 Td (fluent and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 664.90 Td (af) Tj ET Q q 0 0 0 rg BT 43.59 664.90 Td (fluent consumers in lar) Tj ET Q q 0 0 0 rg BT 135.33 664.90 Td (ge urban centers. In credit cards and in certain retail markets, Citi serves customers in a somewhat broader ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 652.90 Td (set of segments and geographies. Consistent with its strategy) Tj ET Q q 0 0 0 rg BT 280.87 652.90 Td (, since 2012, Citi has exited, or is in the process of exiting, 20 consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 640.90 Td (markets and has reduced its branch footprint by 25% to focus its global presence.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 607.40 189.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.00 607.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 607.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 607.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 607.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.00 607.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 579.40 189.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.00 579.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 579.40 70.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 365.00 579.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 579.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.00 579.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 551.40 189.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.00 551.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 551.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 551.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 551.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.00 551.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 523.40 189.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.00 523.40 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 523.40 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 523.40 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 523.40 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.00 523.40 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 486.40 189.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.00 486.40 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 486.40 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 486.40 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 486.40 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.00 486.40 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 449.40 189.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.00 449.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 449.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 449.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 449.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.00 449.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 421.40 189.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.00 421.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 421.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 421.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 421.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.00 421.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 393.40 189.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.00 393.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 393.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 393.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 393.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.00 393.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 365.40 189.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.00 365.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 365.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 365.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 365.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.00 365.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 337.40 189.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.00 337.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 337.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 337.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 337.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.00 337.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 309.40 189.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.00 309.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 309.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 309.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 309.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.00 309.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 281.40 189.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.00 281.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 281.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 281.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 281.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.00 281.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 253.40 189.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.00 253.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 253.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 253.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 253.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.00 253.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 225.40 189.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.00 225.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 225.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 225.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 225.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.00 225.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 197.40 189.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.00 197.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 197.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.00 197.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 197.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.00 197.40 70.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 607.4 m 225 607.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225 607.4 m 295 607.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 607.4 m 365 607.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 607.4 m 435 607.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 607.4 m 505 607.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 607.4 m 575 607.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 579.4 m 225 579.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225 579.4 m 295 579.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 579.4 m 365 579.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 579.4 m 435 579.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 579.4 m 575 579.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 565.4 m 225 565.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225 579.4 m 295 579.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225 565.4 m 295 565.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 579.4 m 365 579.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 565.4 m 365 565.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 579.4 m 435 579.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 565.4 m 435 565.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 579.4 m 505 579.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 579.4 m 575 579.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 565.4 m 575 565.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 551.4 m 225 551.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225 551.4 m 295 551.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 551.4 m 365 551.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 551.4 m 435 551.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 565.4 m 505 565.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 551.4 m 505 551.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 551.4 m 575 551.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 486.4 m 225 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225 486.4 m 295 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 486.4 m 365 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 486.4 m 435 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 486.4 m 575 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 463.4 m 225 463.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225 486.4 m 295 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225 463.4 m 295 463.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 486.4 m 365 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 463.4 m 365 463.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 486.4 m 435 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 463.4 m 435 463.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 486.4 m 505 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 463.4 m 505 463.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 486.4 m 575 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 463.4 m 575 463.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225 463.4 m 295 463.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 463.4 m 365 463.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 463.4 m 435 463.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 463.4 m 575 463.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 435.4 m 225 435.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225 435.4 m 295 435.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 435.4 m 365 435.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 435.4 m 435 435.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 435.4 m 505 435.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 435.4 m 575 435.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225 435.4 m 295 435.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 435.4 m 365 435.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 435.4 m 435 435.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 435.4 m 575 435.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 407.4 m 225 407.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225 407.4 m 295 407.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 407.4 m 365 407.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 407.4 m 435 407.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 407.4 m 575 407.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 393.4 m 225 393.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225 407.4 m 295 407.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225 393.4 m 295 393.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 407.4 m 365 407.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 393.4 m 365 393.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 407.4 m 435 407.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 393.4 m 435 393.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 407.4 m 505 407.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 393.4 m 505 393.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 407.4 m 575 407.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 393.4 m 575 393.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 295.4 m 225 295.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225 295.4 m 295 295.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 295.4 m 365 295.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 295.4 m 435 295.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 295.4 m 505 295.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 295.4 m 575 295.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 253.39999999999998 m 225 253.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225 253.39999999999998 m 295 253.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 253.39999999999998 m 365 253.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 253.39999999999998 m 435 253.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 253.39999999999998 m 505 253.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 253.39999999999998 m 575 253.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36 239.39999999999998 m 225 239.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225 253.39999999999998 m 295 253.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 225 239.39999999999998 m 295 239.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 253.39999999999998 m 365 253.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 295 239.39999999999998 m 365 239.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 253.39999999999998 m 435 253.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 365 239.39999999999998 m 435 239.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 435 239.39999999999998 m 505 239.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 253.39999999999998 m 575 253.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 505 239.39999999999998 m 575 239.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 197.39999999999998 m 225 197.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225 197.39999999999998 m 295 197.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 197.39999999999998 m 365 197.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 197.39999999999998 m 435 197.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 197.39999999999998 m 575 197.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 197.39999999999998 m 225 197.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36 183.39999999999998 m 225 183.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225 197.39999999999998 m 295 197.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 225 183.39999999999998 m 295 183.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 197.39999999999998 m 365 197.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 295 183.39999999999998 m 365 183.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365 197.39999999999998 m 435 197.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 365 183.39999999999998 m 435 183.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 197.39999999999998 m 505 197.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 435 183.39999999999998 m 505 183.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 197.39999999999998 m 575 197.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 505 183.39999999999998 m 575 183.39999999999998 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.50 611.65 Td (In millions of dollars except as otherwise noted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.50 611.85 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.50 611.86 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.50 611.86 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.10 620.85 Td (% Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.95 611.85 Td (2015 vs. 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.85 620.86 Td (% Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.95 611.86 Td (2014 vs. 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 597.86 Td (Net interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.50 597.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.75 597.85 Td (26,881) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.50 597.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 597.86 Td (27,924) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 597.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.25 597.86 Td (27,545) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 597.85 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 597.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 597.86 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.00 597.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 583.86 Td (Non-interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.25 583.85 Td (6,981) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.75 583.86 Td (8,093) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.75 583.86 Td (8,760) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.50 583.85 Td (\(14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 583.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 583.86 Td (\(8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 583.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 569.85 Td (Total revenues, net of interest expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.50 569.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.75 569.85 Td (33,862) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.50 569.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 569.86 Td (36,017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 569.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.25 569.86 Td (36,305) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 569.85 Td (\(6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 569.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 569.86 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 569.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 555.86 Td (Total operating expenses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.50 555.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.75 555.85 Td (18,264) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.50 555.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 555.86 Td (19,951) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 555.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.25 555.86 Td (19,801) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 555.85 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 555.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 555.86 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.00 555.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 541.86 Td (Net credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.50 541.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.25 541.85 Td (6,029) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.50 541.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.75 541.86 Td (6,860) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 541.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.75 541.86 Td (7,017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.50 541.85 Td (\(12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 541.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 541.86 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 541.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 527.86 Td (Credit reserve build \(release\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 527.85 Td (\(318) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.50 527.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.75 527.86 Td (\(1,148) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 527.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.50 527.86 Td (\(654) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 527.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.50 527.85 Td (72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 527.86 Td (\(76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 527.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 513.86 Td (Provision \(release\) for unfunded lending) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 504.86 Td (commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 504.85 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 345.00 504.86 Td (\(23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 504.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.00 504.86 Td (37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.50 504.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.95 504.86 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 490.86 Td (Provision for benefits and claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 490.85 Td (107) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.50 490.86 Td (144) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.50 490.86 Td (167) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.50 490.85 Td (\(26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 490.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 490.86 Td (\(14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 490.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 476.86 Td (Provisions for credit losses and for benefits and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 467.86 Td (claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.50 467.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.25 467.85 Td (5,823) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.50 467.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.75 467.86 Td (5,833) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 467.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.75 467.86 Td (6,567) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.50 467.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 467.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 467.86 Td (\(11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 467.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 453.86 Td (Income from continuing operations before taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.50 453.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.25 453.85 Td (9,775) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.50 453.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 453.86 Td (10,233) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 453.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.75 453.86 Td (9,937) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 453.85 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 453.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 453.86 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.00 453.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 439.86 Td (Income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.25 439.85 Td (3,393) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.75 439.86 Td (3,414) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.75 439.86 Td (3,361) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 439.85 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 439.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 439.86 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 425.85 Td (Income from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.50 425.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.25 425.85 Td (6,382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.50 425.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.75 425.86 Td (6,819) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 425.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.75 425.86 Td (6,576) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 425.85 Td (\(6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 425.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 425.86 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.00 425.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 411.86 Td (Noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 411.85 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.00 411.86 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.00 411.86 Td (14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.50 411.85 Td (\(64) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 411.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 411.86 Td (79) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 397.85 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.50 397.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.25 397.85 Td (6,373) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.50 397.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.75 397.86 Td (6,794) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 397.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.75 397.86 Td (6,562) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 397.85 Td (\(6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 397.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 397.86 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.00 397.86 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 383.85 Td (Balance Sheet data ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 113.75 383.85 Td (\(in billions of dollars\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 369.86 Td (Average assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.50 369.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 369.85 Td (391) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.50 369.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.50 369.86 Td (408) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 369.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.50 369.86 Td (401) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 369.85 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 369.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 369.86 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.00 369.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 355.86 Td (Return on average assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.75 355.85 Td (1.63) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.50 355.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.25 355.86 Td (1.67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 355.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.25 355.86 Td (1.65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 355.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 341.86 Td (Efficiency ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.50 341.85 Td (54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.00 341.86 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.00 341.86 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 327.86 Td (Total EOP assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.50 327.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 327.85 Td (394) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.50 327.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.50 327.86 Td (406) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 327.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.50 327.86 Td (413) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 327.85 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 327.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 327.86 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 327.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 313.86 Td (Average deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 313.85 Td (300) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.50 313.86 Td (305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.50 313.86 Td (299) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 313.85 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 313.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 313.86 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 299.86 Td (Net credit losses as a percentage of average loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.75 299.85 Td (2.14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.50 299.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.25 299.86 Td (2.36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 299.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.25 299.86 Td (2.52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 299.86 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 285.85 Td (Revenue by business) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 47.50 271.86 Td (Retail banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.50 271.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.75 271.85 Td (14,777) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.50 271.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 271.86 Td (15,461) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 271.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.25 271.86 Td (15,991) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 271.85 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 271.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 271.86 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 271.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 47.50 257.86 Td (Cards) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.50 261.94 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.75 257.85 Td (19,085) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 257.86 Td (20,556) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.25 257.86 Td (20,314) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 257.85 Td (\(7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 257.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 257.86 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 243.85 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.50 243.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.75 243.85 Td (33,862) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.50 243.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 243.86 Td (36,017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 243.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.25 243.86 Td (36,305) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 243.85 Td (\(6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 243.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 243.86 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 243.86 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 229.85 Td (Income from continuing operations by business) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 47.50 215.86 Td (Retail banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.50 215.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.25 215.85 Td (1,989) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.50 215.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.75 215.86 Td (1,787) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 215.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.75 215.86 Td (1,897) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.50 215.85 Td (11) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 215.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 215.86 Td (\(6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 215.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 47.50 201.86 Td (Cards) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.50 205.94 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.25 201.85 Td (4,393) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.75 201.86 Td (5,032) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.75 201.86 Td (4,679) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.50 201.85 Td (\(13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 201.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 201.86 Td (8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 187.85 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.50 187.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.25 187.85 Td (6,382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.50 187.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.75 187.86 Td (6,819) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 187.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.75 187.86 Td (6,576) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 187.85 Td (\(6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.50 187.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 187.86 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.00 187.86 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.15 161.90 Td (\(T) Tj ET Q q 0 0 0 rg BT 251.89 161.90 Td (able continues on next page.\)) Tj 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ET q 0 0 0 rg BT 496.00 712.95 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 712.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 712.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 698.96 Td (Total operating expensesas reported) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 698.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.90 698.95 Td (18,264) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 698.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.90 698.96 Td (19,951) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 698.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.90 698.96 Td (19,801) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.50 698.95 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 698.95 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 698.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 698.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 684.96 Td (Impact of FX translation) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 136.73 689.04 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.65 684.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.40 684.96 Td (\(1,171) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.65 684.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.40 684.96 Td (\(1,382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.65 684.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 670.96 Td (Total operating expensesex-FX) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 670.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.90 670.95 Td (18,264) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 670.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.90 670.96 Td (18,780) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 670.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.90 670.96 Td (18,419) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.50 670.95 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 670.95 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 670.96 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 670.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 656.96 Td (Total provisions for LLR & PBCas reported) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 656.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.40 656.95 Td (5,823) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 656.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.40 656.96 Td (5,833) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 656.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.40 656.96 Td (6,567) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 656.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 656.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.50 656.96 Td (\(11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 656.96 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 642.96 Td (Impact of FX translation) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 136.73 647.04 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.65 642.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.15 642.96 Td (\(470) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.65 642.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.15 642.96 Td (\(558) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.65 642.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 628.96 Td (Total provisions for LLR & PBCex-FX) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 628.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.40 628.95 Td (5,823) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 628.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.40 628.96 Td (5,363) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 628.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.40 628.96 Td (6,009) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.50 628.95 Td (9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 628.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.50 628.96 Td (\(11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 628.96 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 614.96 Td (Net incomeas reported) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 614.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.40 614.95 Td (6,373) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 614.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.40 614.96 Td (6,794) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 614.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.40 614.96 Td (6,562) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.50 614.95 Td (\(6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 614.95 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 614.96 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 614.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 600.96 Td (Impact of FX translation) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 136.73 605.04 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.65 600.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.15 600.96 Td (\(197) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.65 600.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.15 600.96 Td (\(416) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.65 600.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 586.96 Td (Net incomeex-FX) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 586.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.40 586.95 Td (6,373) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 586.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.40 586.96 Td (6,597) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 586.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.40 586.96 Td (6,146) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.50 586.95 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 586.95 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 586.96 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 586.96 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 563.40 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 563.40 Td (Includes both Citi-branded cards and Citi retail services.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 553.80 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 553.80 Td (Reflects the impact of FX translation into U.S. dollars at the 2015 average exchange rates for all periods presented.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 544.20 Td (NM Not meaningful) Tj ET Q endstream endobj 37 0 obj <> endobj 38 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (16) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (NOR) Tj ET Q q 0 0 0 rg BT 62.24 747.90 Td (TH ) Tj ET Q q 0 0 0 rg BT 81.92 747.90 Td (AMERICA) Tj ET Q q 0 0 0 rg BT 139.92 747.90 Td ( GCB) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 727.90 Td (North ) Tj ET Q q 0 0 0 rg BT 61.66 727.90 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.04 727.90 Td ( provides traditional retail banking, including commercial banking, and its Citi-branded cards and Citi retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 715.90 Td (services card products to retail customers and small to mid-size businesses, as applicable, in the U.S. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 443.95 715.90 Td (North ) Tj ET Q q 0 0 0 rg BT 469.61 715.90 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.99 715.90 Td () Tj ET Q q 0 0 0 rg BT 528.77 715.90 Td (s U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 703.90 Td (cards product portfolio includes its proprietary portfolio \(including the Citi Double Cash, ) Tj ET Q q 0 0 0 rg BT 394.92 703.90 Td (Thank ) Tj ET Q q 0 0 0 rg BT 422.59 703.90 Td (Y) Tj ET Q q 0 0 0 rg BT 428.81 703.90 Td (ou and ) Tj ET Q q 0 0 0 rg BT 458.07 703.90 Td (V) Tj ET Q q 0 0 0 rg BT 464.18 703.90 Td (alue cards\) and co-branded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 691.90 Td (cards \(including, among others, ) Tj ET Q q 0 0 0 rg BT 164.31 691.90 Td (American ) Tj ET Q q 0 0 0 rg BT 205.68 691.90 Td (Airlines and Hilton ) Tj ET Q q 0 0 0 rg BT 285.21 691.90 Td (W) Tj ET Q q 0 0 0 rg BT 293.85 691.90 Td (orldwide\) within Citi-branded cards as well as its co-brand and private ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 679.90 Td (label relationships within Citi retail services. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 667.90 Td (As of December 31, 2015, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 165.03 667.90 Td (North ) Tj ET Q q 0 0 0 rg BT 190.69 667.90 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.06 667.90 Td () Tj ET Q q 0 0 0 rg BT 249.84 667.90 Td (s 780 retail bank branches are concentrated in the six key metropolitan areas of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 655.90 Td (New ) Tj ET Q q 0 0 0 rg BT 57.01 655.90 Td (Y) Tj ET Q q 0 0 0 rg BT 63.23 655.90 Td (ork, Chicago, Miami, ) Tj ET Q q 0 0 0 rg BT 151.37 655.90 Td (W) Tj ET Q q 0 0 0 rg BT 160.01 655.90 Td (ashington, D.C., Los ) Tj ET Q q 0 0 0 rg BT 244.74 655.90 Td (Angeles and San Francisco. ) Tj ET Q q 0 0 0 rg BT 360.27 655.90 Td (Also as of December 31, 2015, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 486.90 655.90 Td (North ) Tj ET Q q 0 0 0 rg BT 512.56 655.90 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 568.94 655.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 643.90 Td (had approximately 10.9million retail banking customer accounts, $51.8 billion of retail banking loans and $172.8billion of deposits. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 631.90 Td (In addition, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 84.60 631.90 Td (North ) Tj ET Q q 0 0 0 rg BT 110.26 631.90 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.64 631.90 Td ( had approximately 1) Tj ET Q q 0 0 0 rg BT 250.97 631.90 Td (13.4million Citi-branded and Citi retail services credit card accounts, with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 619.90 Td ($1) Tj ET Q q 0 0 0 rg BT 45.63 619.90 Td (13.3 billion in outstanding card loan balances.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 585.40 220.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 585.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 585.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 585.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 585.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 585.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 557.40 220.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 557.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 557.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 557.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 557.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 557.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 529.40 220.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 529.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 529.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 529.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 529.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 529.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 501.40 220.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 501.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 501.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 501.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 501.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 501.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 473.40 220.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 473.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 473.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 473.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 473.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 473.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 445.40 220.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 445.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 445.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 445.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 445.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 445.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 417.40 220.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 417.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 417.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 417.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 417.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 417.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 389.40 220.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 389.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 389.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 389.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 389.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 389.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 361.40 220.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 361.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 361.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 361.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 361.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 361.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 333.40 220.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 333.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 333.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 333.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 333.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 333.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 305.40 220.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 305.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 305.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 305.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 305.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 305.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 277.40 220.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 277.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 277.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 277.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 277.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 277.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 249.40 220.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 249.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 249.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 249.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 249.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 249.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 221.40 220.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 221.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 221.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 221.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 221.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 221.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 193.40 220.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 193.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 193.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 193.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 193.40 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 193.40 64.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 585.4 m 255.5 585.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 585.4 m 319.5 585.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 585.4 m 383.5 585.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 585.4 m 447.5 585.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 585.4 m 511.5 585.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 585.4 m 575.5 585.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 585.4 m 319.5 585.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 585.4 m 383.5 585.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 585.4 m 447.5 585.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 585.4 m 575.5 585.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 557.4 m 255.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 557.4 m 319.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 557.4 m 383.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 557.4 m 447.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 557.4 m 575.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 543.4 m 255.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 557.4 m 319.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 543.4 m 319.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 557.4 m 383.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 543.4 m 383.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 557.4 m 511.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 557.4 m 575.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 543.4 m 575.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 529.4 m 255.5 529.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 543.4 m 319.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 529.4 m 319.5 529.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 543.4 m 383.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 529.4 m 383.5 529.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 543.4 m 447.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 529.4 m 447.5 529.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 543.4 m 511.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 529.4 m 511.5 529.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 543.4 m 575.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 529.4 m 575.5 529.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 473.4 m 255.5 473.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 473.4 m 319.5 473.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 473.4 m 383.5 473.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 473.4 m 447.5 473.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 473.4 m 511.5 473.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 473.4 m 575.5 473.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 459.4 m 255.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 459.4 m 319.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 459.4 m 383.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 459.4 m 447.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 459.4 m 511.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 459.4 m 575.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 459.4 m 319.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 459.4 m 383.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 459.4 m 447.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 459.4 m 575.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 431.4 m 255.5 431.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 431.4 m 319.5 431.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 431.4 m 383.5 431.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 431.4 m 447.5 431.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 431.4 m 511.5 431.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 431.4 m 575.5 431.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 431.4 m 319.5 431.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 431.4 m 383.5 431.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 431.4 m 575.5 431.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 403.4 m 255.5 403.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 389.4 m 255.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 403.4 m 319.5 403.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 389.4 m 319.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 403.4 m 383.5 403.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 389.4 m 383.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 403.4 m 447.5 403.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 389.4 m 447.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 403.4 m 511.5 403.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 389.4 m 511.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 403.4 m 575.5 403.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 389.4 m 575.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 305.4 m 255.5 305.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 305.4 m 319.5 305.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 305.4 m 383.5 305.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 305.4 m 447.5 305.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 305.4 m 511.5 305.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 305.4 m 575.5 305.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 249.39999999999998 m 255.5 249.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 249.39999999999998 m 319.5 249.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 249.39999999999998 m 383.5 249.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 249.39999999999998 m 447.5 249.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 249.39999999999998 m 575.5 249.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 235.39999999999998 m 255.5 235.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 249.39999999999998 m 319.5 249.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 235.39999999999998 m 319.5 235.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 249.39999999999998 m 383.5 249.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 235.39999999999998 m 383.5 235.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 249.39999999999998 m 447.5 249.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 235.39999999999998 m 447.5 235.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 249.39999999999998 m 511.5 249.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 235.39999999999998 m 511.5 235.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 249.39999999999998 m 575.5 249.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 235.39999999999998 m 575.5 235.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 179.39999999999998 m 255.5 179.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 179.39999999999998 m 319.5 179.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 179.39999999999998 m 383.5 179.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 179.39999999999998 m 447.5 179.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 179.39999999999998 m 575.5 179.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 165.39999999999998 m 255.5 165.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 179.39999999999998 m 319.5 179.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 165.39999999999998 m 319.5 165.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 179.39999999999998 m 383.5 179.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 165.39999999999998 m 383.5 165.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 179.39999999999998 m 447.5 179.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 165.39999999999998 m 447.5 165.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 179.39999999999998 m 511.5 179.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 165.39999999999998 m 511.5 165.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 179.39999999999998 m 575.5 179.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 165.39999999999998 m 575.5 165.39999999999998 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.60 598.85 Td (% Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.45 589.85 Td (2015 vs. 2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 589.65 Td (In millions of dollars, except as otherwise noted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.00 589.85 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.00 589.86 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.00 589.86 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.35 598.86 Td (% Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.45 589.86 Td (2014 vs. 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 575.86 Td (Net interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.00 575.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.25 575.85 Td (17,481) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 575.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 575.86 Td (17,203) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 575.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 575.86 Td (16,656) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 575.85 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 575.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 575.86 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 575.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 561.86 Td (Non-interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 561.85 Td (1,967) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 561.86 Td (2,466) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 561.86 Td (3,142) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 561.85 Td (\(20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 561.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 561.86 Td (\(22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 561.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 547.85 Td (Total revenues, net of interest expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.00 547.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.25 547.85 Td (19,448) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 547.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 547.86 Td (19,669) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 547.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 547.86 Td (19,798) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.50 547.85 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 547.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 547.86 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 547.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 533.86 Td (Total operating expenses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.00 533.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 533.85 Td (9,186) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 533.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 533.86 Td (9,706) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 533.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 533.86 Td (9,853) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.50 533.85 Td (\(5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 533.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 533.86 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 533.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 519.86 Td (Net credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.00 519.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 519.85 Td (3,753) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 519.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 519.86 Td (4,206) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 519.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 519.86 Td (4,636) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 519.85 Td (\(11) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 519.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 519.86 Td (\(9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 519.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 505.86 Td (Credit reserve build \(release\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.50 505.85 Td (\(339) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.00 505.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.25 505.86 Td (\(1,242) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.50 505.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 505.86 Td (\(1,036) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 505.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 505.85 Td (73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 505.86 Td (\(20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 505.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 491.86 Td (Provision for unfunded lending commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.50 491.85 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.00 491.86 Td (\(8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.50 491.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 491.86 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 491.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.45 491.86 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 477.86 Td (Provisions for benefits and claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.00 477.85 Td (38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 477.86 Td (40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.50 477.86 Td (59) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.50 477.85 Td (\(5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 477.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 477.86 Td (\(32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 477.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 463.86 Td (Provisions for credit losses and for benefits and claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.00 463.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 463.85 Td (3,459) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 463.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 463.86 Td (2,996) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 463.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 463.86 Td (3,665) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 463.85 Td (15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 463.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 463.86 Td (\(18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 463.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 449.86 Td (Income from continuing operations before taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.00 449.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 449.85 Td (6,803) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 449.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 449.86 Td (6,967) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 449.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 449.86 Td (6,280) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.50 449.85 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 449.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 449.86 Td (11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 449.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 435.86 Td (Income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 435.85 Td (2,548) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 435.86 Td (2,555) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 435.86 Td (2,362) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 435.85 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 435.86 Td (8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 421.85 Td (Income from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.00 421.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 421.85 Td (4,255) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 421.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 421.86 Td (4,412) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 421.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 421.86 Td (3,918) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.50 421.85 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 421.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 421.86 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 421.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 407.86 Td (Noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.00 407.85 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.00 407.86 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.50 407.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.50 407.86 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.50 407.85 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 407.86 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 393.85 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.00 393.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 393.85 Td (4,255) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 393.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 393.86 Td (4,413) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 393.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 393.86 Td (3,918) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.50 393.85 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 393.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 393.86 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 393.86 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 379.85 Td (Balance Sheet data ) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 113.25 379.85 Td (\(in billions of dollars\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 379.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 379.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 365.86 Td (Average assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.00 365.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.50 365.85 Td (208) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 365.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 365.86 Td (211) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 365.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 365.86 Td (204) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.50 365.85 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 365.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 365.86 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 365.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 351.86 Td (Return on average assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.25 351.85 Td (2.05) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.00 351.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 351.86 Td (2.09) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.50 351.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 351.86 Td (1.92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 351.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 337.86 Td (Efficiency ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.00 337.85 Td (47) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 337.86 Td (49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.50 337.86 Td (50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 323.86 Td (Average deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.00 323.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 323.85 Td (171.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 323.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 323.86 Td (170.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 323.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 323.86 Td (166.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 323.85 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 323.86 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 309.86 Td (Net credit losses as a percentage of average loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.25 309.85 Td (2.39) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.00 309.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 309.86 Td (2.70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.50 309.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 309.86 Td (3.09) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 309.86 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 295.85 Td (Revenue by business) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 295.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 295.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 281.86 Td (Retail banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.00 281.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 281.85 Td (5,208) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 281.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 281.86 Td (4,917) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 281.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 281.86 Td (5,389) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 281.85 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 281.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 281.86 Td (\(9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 281.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 267.86 Td (Citi-branded cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 267.85 Td (7,809) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 267.86 Td (8,290) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 267.86 Td (8,220) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.50 267.85 Td (\(6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 267.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 267.86 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 253.86 Td (Citi retail services) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 253.85 Td (6,431) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 253.86 Td (6,462) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 253.86 Td (6,189) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 253.85 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 253.86 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 239.85 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.00 239.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.25 239.85 Td (19,448) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 239.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 239.86 Td (19,669) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 239.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 239.86 Td (19,798) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.50 239.85 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 239.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 239.86 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 239.86 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 225.85 Td (Income from continuing operations by business) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 225.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 225.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 211.86 Td (Retail banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.00 211.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.50 211.85 Td (659) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 211.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 211.86 Td (355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 211.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 211.86 Td (416) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 211.85 Td (86) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 211.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 211.86 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 211.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 197.86 Td (Citi-branded cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 197.85 Td (2,075) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 197.86 Td (2,391) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 197.86 Td (1,945) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 197.85 Td (\(13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 197.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 197.86 Td (23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 183.86 Td (Citi retail services) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 183.85 Td (1,521) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 183.86 Td (1,666) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 183.86 Td (1,557) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.50 183.85 Td (\(9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 183.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 183.86 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 169.85 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.00 169.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 169.85 Td (4,255) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 169.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 169.86 Td (4,412) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 169.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 169.86 Td (3,918) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.50 169.85 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 169.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 169.86 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 169.86 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 144.30 Td (NM Not meaningful) Tj ET Q endstream endobj 39 0 obj <> endobj 40 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (17) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (2015 vs. 2014) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.26 737.25 Td ( decreased by 4% due to lower loan loss reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (releases and lower revenues, partially of) Tj ET Q q 0 0 0 rg BT 196.86 725.25 Td (fset by lower expenses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (and lower net credit losses.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 701.25 Td (Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.75 701.25 Td ( decreased 1%, reflecting lower revenues in Citi-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (branded cards, partially of) Tj ET Q q 0 0 0 rg BT 140.78 689.25 Td (fset by higher revenues in retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (banking. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 665.25 Td (Retail banking revenues increased 6%. ) Tj ET Q q 0 0 0 rg BT 214.04 665.25 Td (The increase was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (primarily driven by 7% growth in average loans, 9% growth in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (average checking deposits, improved deposit spreads and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (slightly higher mortgage origination revenues, partially of) Tj ET Q q 0 0 0 rg BT 267.70 629.25 Td (fset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (by lower net gains on branch sales \(approximately $40 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (million\) and mortgage portfolio sales \(approximately $80 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (million\) as well as a lower mortgage repurchase reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (release \(approximately $50 million\) compared to 2014. ) Tj ET Q q 0 0 0 rg BT 261.59 581.25 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (growth in retail banking revenues occurred despite the fact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (that, consistent with ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 118.77 557.25 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.77 557.25 Td () Tj ET Q q 0 0 0 rg BT 141.55 557.25 Td (s strategy) Tj ET Q q 0 0 0 rg BT 178.94 557.25 Td (, during 2015, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 237.55 557.25 Td (North ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.38 545.25 Td ( closed or sold 69 branches \(a 9% decline from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (the prior year\), with announced plans to sell or close an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (additional 50 branches in the first quarter of 2016. ) Tj ET Q q 0 0 0 rg BT 241.60 521.25 Td (W) Tj ET Q q 0 0 0 rg BT 250.63 521.25 Td (ith these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (actions, over 90% of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 121.25 509.25 Td (North ) Tj ET Q q 0 0 0 rg BT 146.91 509.25 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.29 509.25 Td () Tj ET Q q 0 0 0 rg BT 206.07 509.25 Td (s retail banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (footprint will be concentrated in its six key metropolitan areas.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 485.25 Td (Cards revenues decreased 3% due to a 2% decline in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (average loans, partially of) Tj ET Q q 0 0 0 rg BT 139.66 473.25 Td (fset by a 4% increase in purchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (sales. In Citi-branded cards, revenues decreased 6%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (primarily reflecting an increase in acquisition and rewards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (costs, particularly during the second half of 2015 as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 245.39 437.25 Td (North ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.38 425.25 Td ( deployed its investment spending \(as discussed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (below\) to grow its new account acquisitions in its core ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (products. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 77.94 401.25 Td (North ) Tj ET Q q 0 0 0 rg BT 103.60 401.25 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.97 401.25 Td ( expects the increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (acquisition and rewards costs within Citi-branded cards to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (continue to negatively impact revenues in 2016. ) Tj ET Q q 0 0 0 rg BT 232.71 377.25 Td (The decrease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (in Citi-branded cards revenues was also due to the continued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (impact of lower average loans \(down 4%\), driven primarily by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.25 Td (continued high customer payment rates during the year) Tj ET Q q 0 0 0 rg BT 255.81 341.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.25 Td (partially of) Tj ET Q q 0 0 0 rg BT 79.97 329.25 Td (fset by a 6% increase in purchase sales. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 317.25 Td (Citi retail services revenues were lar) Tj ET Q q 0 0 0 rg BT 199.59 317.25 Td (gely unchanged as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.25 Td (the continued impact of lower fuel prices, which negatively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.25 Td (impacts purchase sales in the fuel portfolios, and higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.25 Td (contractual partner payments was of) Tj ET Q q 0 0 0 rg BT 180.76 281.25 Td (fset by the impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.25 Td (higher spreads and volumes \(1% increase in average loans\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.25 Td (The higher contractual partner payments resulted from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.25 Td (business sharing the benefits of higher yields and lower net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.25 Td (credit losses with its retail partners. Purchase sales were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.25 Td (unchanged as the continued impact of lower fuel prices was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.25 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 209.25 Td (fset by volume growth. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 141.91 209.25 Td (North ) Tj ET Q q 0 0 0 rg BT 167.57 209.25 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.95 209.25 Td ( expects the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.25 Td (negative impact of lower fuel prices on Citi retail services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.25 Td (revenues to continue in the near term. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 173.25 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.21 173.25 Td ( decreased 5%, primarily due to ongoing cost ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.25 Td (reduction initiatives, including as a result of the branch ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.25 Td (rationalization strategy) Tj ET Q q 0 0 0 rg BT 127.26 149.25 Td (, and lower repositioning char) Tj ET Q q 0 0 0 rg BT 246.77 149.25 Td (ges, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.25 Td (partially of) Tj ET Q q 0 0 0 rg BT 79.97 137.25 Td (fset by increased investment spending \(including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.25 Td (marketing, among other areas\) in Citi-branded cards, which is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.25 Td (expected to continue into 2016. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 101.25 Td (Pr) Tj ET Q q 0 0 0 rg BT 63.63 101.25 Td (ovisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.41 101.25 Td ( increased 15% lar) Tj ET Q q 0 0 0 rg BT 170.36 101.25 Td (gely due to lower net loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.25 Td (loss reserve releases \(73%\), partially of) Tj ET Q q 0 0 0 rg BT 193.53 89.25 Td (fset by lower net credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.25 Td (losses \(1) Tj ET Q q 0 0 0 rg BT 70.35 77.25 Td (1%\). Net credit losses declined in Citi-branded cards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.25 Td (\(down 14% to $1.9 billion\) and in Citi retail services \(down ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.25 Td (8% to $1.7 billion\). ) Tj ET Q q 0 0 0 rg BT 118.87 53.25 Td (The lower loan loss reserve release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (reflected overall credit stabilization in the cards portfolios ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (during 2015. ) Tj ET Q q 0 0 0 rg BT 379.56 737.10 Td (As a result of this stabilization, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 506.48 737.10 Td (North ) Tj ET Q q 0 0 0 rg BT 532.14 737.10 Td (America ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.00 725.10 Td ( expects to experience modest loan loss reserve builds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (during 2016.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 701.10 Td (In addition to the trends discussed above expected to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (impact ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 353.71 689.10 Td (North ) Tj ET Q q 0 0 0 rg BT 379.37 689.10 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.75 689.10 Td () Tj ET Q q 0 0 0 rg BT 438.53 689.10 Td (s results of operations in 2016, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (North ) Tj ET Q q 0 0 0 rg BT 349.66 677.10 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.04 677.10 Td ( expects to make additional investments in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (its U.S. cards businesses during 2016, including investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (in connection with Citi) Tj ET Q q 0 0 0 rg BT 418.71 653.10 Td (s planned acquisition of the Costco ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (portfolio, the closing of which is currently expected to occur ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (mid-2016, as well as the expected impact of renewing certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (important partnership programs in a competitive environment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (\(see also Risk FactorsOperational Risks below\). ) Tj ET Q q 0 0 0 rg BT 539.88 605.10 Td (While ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (North ) Tj ET Q q 0 0 0 rg BT 349.66 593.10 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.04 593.10 Td ( believes these investments are necessary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (for the growth of its U.S. cards businesses, they will reduce ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (the pretax earnings of the businesses during 2016. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (2014 vs. 2013) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.26 533.10 Td ( increased by 13% due to lower net credit losses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (higher loan loss reserve releases and lower expenses, partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (of) Tj ET Q q 0 0 0 rg BT 332.15 509.10 Td (fset by lower revenues.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 497.10 Td (Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.75 497.10 Td ( decreased 1%, with lower revenues in retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (banking, partially of) Tj ET Q q 0 0 0 rg BT 405.19 485.10 Td (fset by higher revenues in Citi-branded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (cards and Citi retail services. Retail banking revenues of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td ($4.9billion decreased 9% due to lower mortgage origination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (revenues and spread compression in the deposit portfolios, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (partially of) Tj ET Q q 0 0 0 rg BT 367.97 437.10 Td (fset by continued volume-related growth \(average ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (loans increased 9% and average deposits increased 3%\) and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (gains from branch sales. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 401.10 Td (Cards revenues increased 2% as average loans increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (3% versus 2013. In Citi-branded cards, revenues increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (1% as a 4% increase in purchase sales and higher net interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (spreads, driven by the continued reduction of promotional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (balances in the portfolio, mostly of) Tj ET Q q 0 0 0 rg BT 463.79 353.10 Td (fset lower average loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (The decline in average loans was driven primarily by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (reduction in promotional balances, and to a lesser extent, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (increased customer payment rates during the year) Tj ET Q q 0 0 0 rg BT 521.70 317.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 305.10 Td (Citi retail services revenues increased 4%, primarily due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (to a 12% increase in average loans driven by the Best Buy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (acquisition in September 2013, partially of) Tj ET Q q 0 0 0 rg BT 494.89 281.10 Td (fset by continued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (declines in fee revenues primarily reflecting higher yields and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (improving credit and the resulting increase in contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (partner payments. Citi retail services revenues also benefited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (from lower funding costs, partially of) Tj ET Q q 0 0 0 rg BT 473.79 233.10 Td (fset by a decline in net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (interest spreads due to a higher percentage of promotional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (balances within the portfolio. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 197.10 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.21 197.10 Td ( decreased 1% as ongoing cost reduction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (initiatives were partially of) Tj ET Q q 0 0 0 rg BT 431.84 185.10 Td (fset by higher repositioning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (char) Tj ET Q q 0 0 0 rg BT 341.03 173.10 Td (ges, increased investment spending and an increase in Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (retail services expenses due to the impact of the Best Buy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (portfolio acquisition. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 137.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 351.63 137.10 Td (ovisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.41 137.10 Td ( decreased 18% due to lower net credit losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (\(9%\) and higher loan loss reserve releases \(21%\). Net credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (losses declined in Citi-branded cards \(down 14% to $2.2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (billion\) and in Citi retail services \(down 2% to $1.9 billion\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (The loan loss reserve release increased due to the continued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (improvement in Citi-branded cards, partially of) Tj ET Q q 0 0 0 rg BT 513.21 77.10 Td (fset by a lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (loan loss reserve release in Citi retail services due to reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (builds for new loans originated in the Best Buy portfolio. ) Tj ET Q endstream endobj 41 0 obj <> endobj 42 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (18) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (LA) Tj ET Q q 0 0 0 rg BT 51.78 747.90 Td (TIN ) Tj ET Q q 0 0 0 rg BT 75.46 747.90 Td (AMERICA) Tj ET Q q 0 0 0 rg BT 133.46 747.90 Td ( GCB) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 727.90 Td (Latin ) Tj ET Q q 0 0 0 rg BT 59.44 727.90 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.81 727.90 Td ( provides traditional retail banking, including commercial banking, and its Citi-branded card products to retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 715.90 Td (customers and small to mid-size businesses, as applicable, with the lar) Tj ET Q q 0 0 0 rg BT 316.86 715.90 Td (gest presence in Mexico. ) Tj ET Q q 0 0 0 rg BT 420.72 715.90 Td (As of December 31, 2015, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 528.75 715.90 Td (Latin ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 703.90 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.38 703.90 Td ( includes branch networks in Brazil, ) Tj ET Q q 0 0 0 rg BT 238.73 703.90 Td (Ar) Tj ET Q q 0 0 0 rg BT 249.10 703.90 Td (gentina, Colombia and ) Tj ET Q q 0 0 0 rg BT 342.24 703.90 Td (V) Tj ET Q q 0 0 0 rg BT 348.35 703.90 Td (enezuela as well as Banco Nacional de Mexico, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 691.90 Td (Banamex, Mexico) Tj ET Q q 0 0 0 rg BT 112.09 691.90 Td (s second-lar) Tj ET Q q 0 0 0 rg BT 159.95 691.90 Td (gest bank. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 679.90 Td (At December31, 2015, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 150.08 679.90 Td (Latin ) Tj ET Q q 0 0 0 rg BT 173.52 679.90 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.90 679.90 Td ( had 1,694 retail branches \(1,492 through Banamex in Mexico\), with approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 667.90 Td (31.9million retail banking customer accounts, $24.0 billion in retail banking loans and $40.8billion in deposits. In addition, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 655.90 Td (business had approximately 7.8million Citi-branded card accounts with $7.5billion in outstanding loan balances. ) Tj ET Q q 0 0 0 rg BT 495.64 655.90 Td (As announced in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 643.90 Td (February 2016, Citi intends to exit its consumer businesses in ) Tj ET Q q 0 0 0 rg BT 284.04 643.90 Td (Ar) Tj ET Q q 0 0 0 rg BT 294.41 643.90 Td (gentina, Brazil and Colombia. For additional information, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 631.90 Td (Citigroup Segments and Citicorp above.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 598.40 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 598.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 598.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 598.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 598.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 598.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 572.40 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 572.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 572.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 572.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 572.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 572.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 546.40 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 546.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 546.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 546.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 546.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 546.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 520.40 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 520.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 520.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 520.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 520.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 520.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 494.40 240.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 494.40 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 494.40 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 494.40 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 494.40 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 494.40 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 458.40 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 458.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 458.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 458.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 458.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 458.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 432.40 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 432.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 432.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 432.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 432.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 432.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 406.40 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 406.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 406.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 406.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 406.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 406.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 380.40 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 380.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 380.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 380.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 380.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 380.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 354.40 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 354.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 354.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 354.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 354.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 354.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 328.40 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 328.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 328.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 328.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 328.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 328.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 302.40 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 302.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 302.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 302.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 302.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 302.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 276.40 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 276.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 276.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 276.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 276.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 276.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 250.40 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 250.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 250.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 250.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 250.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 250.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 224.40 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 224.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 224.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 224.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 224.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 224.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 198.40 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 198.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 198.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 198.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 198.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 198.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 172.40 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 172.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 172.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 172.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 172.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 172.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 146.40 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 146.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 146.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 146.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 146.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 146.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 120.40 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 120.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 120.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 120.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 120.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 120.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 94.40 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 94.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 94.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 94.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 94.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 94.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 68.40 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 68.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 68.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 68.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 68.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 68.40 60.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 598.4 m 276.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 598.4 m 396.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 598.4 m 456.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 598.4 m 516.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 598.4 m 276.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 598.4 m 336.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 598.4 m 396.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 598.4 m 456.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 598.4 m 576.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 572.4 m 276.5 572.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 572.4 m 336.5 572.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 572.4 m 396.5 572.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 572.4 m 456.5 572.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 572.4 m 576.5 572.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 559.4 m 276.5 559.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 572.4 m 336.5 572.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 559.4 m 336.5 559.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 572.4 m 396.5 572.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 559.4 m 396.5 559.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 572.4 m 456.5 572.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 559.4 m 456.5 559.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 572.4 m 516.5 572.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 559.4 m 516.5 559.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 572.4 m 576.5 572.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 559.4 m 576.5 559.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 546.4 m 276.5 546.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 559.4 m 336.5 559.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 546.4 m 336.5 546.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 559.4 m 396.5 559.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 546.4 m 396.5 546.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 559.4 m 456.5 559.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 546.4 m 456.5 546.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 546.4 m 516.5 546.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 559.4 m 576.5 559.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 546.4 m 576.5 546.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 494.4 m 276.5 494.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 471.4 m 276.5 471.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 494.4 m 336.5 494.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 471.4 m 336.5 471.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 494.4 m 396.5 494.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 471.4 m 396.5 471.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 494.4 m 456.5 494.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 471.4 m 456.5 471.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 494.4 m 516.5 494.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 471.4 m 516.5 471.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 494.4 m 576.5 494.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 471.4 m 576.5 471.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 471.4 m 336.5 471.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 471.4 m 396.5 471.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 471.4 m 456.5 471.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 471.4 m 576.5 471.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 445.4 m 276.5 445.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 445.4 m 396.5 445.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 445.4 m 456.5 445.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 445.4 m 576.5 445.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 445.4 m 336.5 445.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 445.4 m 396.5 445.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 445.4 m 456.5 445.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 445.4 m 516.5 445.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 445.4 m 576.5 445.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 419.4 m 276.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 419.4 m 516.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 406.4 m 276.5 406.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 419.4 m 336.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 406.4 m 336.5 406.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 419.4 m 396.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 406.4 m 396.5 406.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 419.4 m 456.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 406.4 m 456.5 406.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 406.4 m 516.5 406.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 419.4 m 576.5 419.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 406.4 m 576.5 406.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 328.4 m 276.5 328.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 328.4 m 336.5 328.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 328.4 m 396.5 328.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 328.4 m 456.5 328.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 328.4 m 516.5 328.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 328.4 m 576.5 328.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 289.4 m 276.5 289.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 276.4 m 276.5 276.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 289.4 m 336.5 289.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 276.4 m 336.5 276.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 289.4 m 396.5 289.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 276.4 m 396.5 276.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 289.4 m 456.5 289.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 276.4 m 456.5 276.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 289.4 m 516.5 289.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 276.4 m 516.5 276.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 289.4 m 576.5 289.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 276.4 m 576.5 276.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 237.39999999999998 m 276.5 237.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 224.39999999999998 m 276.5 224.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 237.39999999999998 m 336.5 237.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 224.39999999999998 m 336.5 224.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 237.39999999999998 m 396.5 237.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 224.39999999999998 m 396.5 224.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 237.39999999999998 m 456.5 237.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 224.39999999999998 m 456.5 224.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 237.39999999999998 m 516.5 237.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 224.39999999999998 m 516.5 224.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 237.39999999999998 m 576.5 237.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 224.39999999999998 m 576.5 224.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 185.39999999999998 m 276.5 185.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 172.39999999999998 m 276.5 172.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 185.39999999999998 m 336.5 185.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 172.39999999999998 m 336.5 172.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 185.39999999999998 m 396.5 185.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 172.39999999999998 m 396.5 172.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 185.39999999999998 m 456.5 185.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 172.39999999999998 m 456.5 172.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 185.39999999999998 m 516.5 185.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 172.39999999999998 m 516.5 172.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 185.39999999999998 m 576.5 185.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 172.39999999999998 m 576.5 172.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 172.39999999999998 m 336.5 172.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 172.39999999999998 m 396.5 172.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 172.39999999999998 m 456.5 172.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 172.39999999999998 m 576.5 172.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 146.39999999999998 m 276.5 146.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 133.39999999999998 m 276.5 133.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 146.39999999999998 m 336.5 146.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 133.39999999999998 m 336.5 133.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 146.39999999999998 m 396.5 146.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 133.39999999999998 m 396.5 133.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 146.39999999999998 m 456.5 146.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 133.39999999999998 m 456.5 133.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 146.39999999999998 m 516.5 146.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 133.39999999999998 m 516.5 133.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 146.39999999999998 m 576.5 146.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 133.39999999999998 m 576.5 133.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 133.39999999999998 m 336.5 133.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 133.39999999999998 m 396.5 133.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 133.39999999999998 m 456.5 133.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 133.39999999999998 m 576.5 133.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 107.39999999999998 m 276.5 107.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 94.39999999999998 m 276.5 94.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 107.39999999999998 m 336.5 107.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 94.39999999999998 m 336.5 94.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 107.39999999999998 m 396.5 107.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 94.39999999999998 m 396.5 94.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 107.39999999999998 m 456.5 107.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 94.39999999999998 m 456.5 94.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 107.39999999999998 m 516.5 107.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 94.39999999999998 m 516.5 94.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 107.39999999999998 m 576.5 107.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 94.39999999999998 m 576.5 94.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 94.39999999999998 m 336.5 94.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 94.39999999999998 m 396.5 94.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 94.39999999999998 m 456.5 94.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 94.39999999999998 m 576.5 94.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 68.39999999999998 m 276.5 68.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 68.39999999999998 m 336.5 68.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 68.39999999999998 m 396.5 68.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 68.39999999999998 m 456.5 68.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 68.39999999999998 m 576.5 68.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 55.39999999999998 m 276.5 55.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 68.39999999999998 m 336.5 68.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 55.39999999999998 m 336.5 55.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 68.39999999999998 m 396.5 68.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 55.39999999999998 m 396.5 55.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 68.39999999999998 m 456.5 68.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 55.39999999999998 m 456.5 55.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 68.39999999999998 m 516.5 68.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 55.39999999999998 m 516.5 55.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 68.39999999999998 m 576.5 68.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 55.39999999999998 m 576.5 55.39999999999998 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.60 611.85 Td (% Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.45 602.85 Td (2015 vs. 2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 602.65 Td (In millions of dollars, except as otherwise noted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.00 602.85 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 602.86 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 602.86 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.35 611.86 Td (% Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.45 602.86 Td (2014 vs. 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 589.66 Td (Net interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 589.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 589.80 Td (4,843) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 589.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 589.66 Td (5,672) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 589.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 589.66 Td (5,726) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 589.80 Td (\(15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 589.80 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 589.66 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 589.66 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 576.66 Td (Non-interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 576.80 Td (2,480) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 576.66 Td (2,788) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 576.66 Td (2,850) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 576.80 Td (\(11) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 576.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 576.66 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 576.66 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 563.80 Td (Total revenues, net of interest expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 563.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 563.80 Td (7,323) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 563.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 563.66 Td (8,460) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 563.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 563.66 Td (8,576) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 563.80 Td (\(13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 563.80 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 563.66 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 563.66 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 550.66 Td (Total operating expenses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 550.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 550.80 Td (4,444) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 550.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 550.66 Td (4,974) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 550.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 550.66 Td (4,931) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 550.80 Td (\(11) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 550.80 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 550.66 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 550.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 537.66 Td (Net credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 537.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 537.80 Td (1,549) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 537.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 537.66 Td (1,861) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 537.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 537.66 Td (1,610) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 537.80 Td (\(17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 537.80 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 537.66 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 537.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 524.66 Td (Credit reserve build \(release\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 524.80 Td (94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 524.66 Td (120) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 524.66 Td (363) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 524.80 Td (\(22) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 524.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 524.66 Td (\(67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 524.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 511.66 Td (Provision \(release\) for unfunded lending commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.50 511.80 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 511.66 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 511.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 511.66 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 511.80 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 511.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 498.66 Td (Provision for benefits and claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 498.80 Td (69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 498.66 Td (104) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 498.66 Td (108) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 498.80 Td (\(34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 498.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 498.66 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 498.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 484.86 Td (Provisions for credit losses and for benefits and claims \(LLR &) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 475.86 Td (PBC\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 475.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 475.85 Td (1,713) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 475.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 475.86 Td (2,084) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 475.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 475.86 Td (2,081) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 475.85 Td (\(18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 475.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 475.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 475.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 462.66 Td (Income from continuing operations before taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 462.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 462.80 Td (1,166) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 462.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 462.66 Td (1,402) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 462.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 462.66 Td (1,564) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 462.80 Td (\(17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 462.80 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 462.66 Td (\(10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 462.66 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 449.66 Td (Income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.50 449.80 Td (238) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 449.66 Td (244) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 449.66 Td (313) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.50 449.80 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 449.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 449.66 Td (\(22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 449.66 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 436.80 Td (Income from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 436.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.50 436.80 Td (928) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 436.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 436.66 Td (1,158) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 436.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 436.66 Td (1,251) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 436.80 Td (\(20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 436.80 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 436.66 Td (\(7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 436.66 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 423.66 Td (Noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.50 423.80 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 423.66 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 423.66 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 423.80 Td (\(50) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 423.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 423.66 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 410.80 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 410.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.50 410.80 Td (925) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 410.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 410.66 Td (1,152) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 410.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 410.66 Td (1,248) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 410.80 Td (\(20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 410.80 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 410.66 Td (\(8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 410.66 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 397.80 Td (Balance Sheet data) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 112.00 397.80 Td ( ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 114.00 397.80 Td (\(in billions of dollars\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.00 397.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 397.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 384.66 Td (Average assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 384.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 384.80 Td (64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 384.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 384.66 Td (76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 384.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 384.66 Td (79) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 384.80 Td (\(16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 384.80 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 384.66 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 384.66 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 371.66 Td (Return on average assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.25 371.80 Td (1.45) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 371.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 371.66 Td (1.52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 371.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 371.66 Td (1.66) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 371.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 358.66 Td (Efficiency ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 358.80 Td (61) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 358.66 Td (59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 358.66 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 345.66 Td (Average deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 345.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.25 345.80 Td (40.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 345.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 345.66 Td (44.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 345.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 345.66 Td (43.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.50 345.80 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 345.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 345.66 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 332.66 Td (Net credit losses as a percentage of average loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.25 332.80 Td (4.67) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 332.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 332.66 Td (4.86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 332.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 332.66 Td (4.42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 332.66 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 319.80 Td (Revenue by business) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 306.66 Td (Retail banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 306.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 306.80 Td (5,078) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 306.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 306.66 Td (5,678) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 306.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 306.66 Td (5,831) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 306.80 Td (\(11) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 306.80 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 306.66 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 306.66 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 293.66 Td (Citi-branded cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 293.80 Td (2,245) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 293.66 Td (2,782) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 293.66 Td (2,745) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 293.80 Td (\(19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 293.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 293.66 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 280.80 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 280.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 280.80 Td (7,323) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 280.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 280.66 Td (8,460) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 280.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 280.66 Td (8,576) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 280.80 Td (\(13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 280.80 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 280.66 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 280.66 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 267.80 Td (Income from continuing operations by business) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.00 267.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 267.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 254.66 Td (Retail banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 254.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.50 254.80 Td (590) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 254.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 254.66 Td (740) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 254.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 254.66 Td (762) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 254.80 Td (\(20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 254.80 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 254.66 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 254.66 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 241.66 Td (Citi-branded cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.50 241.80 Td (338) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 241.66 Td (418) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 241.66 Td (489) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 241.80 Td (\(19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 241.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 241.66 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 241.66 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 228.80 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 228.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.50 228.80 Td (928) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 228.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 228.66 Td (1,158) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 228.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 228.66 Td (1,251) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 228.80 Td (\(20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 228.80 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 228.66 Td (\(7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 228.66 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 215.80 Td (FX translation impact) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.00 215.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 215.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 202.66 Td (Total revenuesas reported) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 202.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 202.80 Td (7,323) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 202.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 202.66 Td (8,460) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 202.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 202.66 Td (8,576) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 202.80 Td (\(13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 202.80 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 202.66 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 202.66 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 189.66 Td (Impact of FX translation) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 136.73 193.74 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 189.80 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.25 189.66 Td (\(1,382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 189.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 189.66 Td (\(1,784) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 189.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 176.66 Td (Total revenuesex-FX) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 176.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 176.80 Td (7,323) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 176.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 176.66 Td (7,078) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 176.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 176.66 Td (6,792) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 176.80 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 176.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 176.66 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 176.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 163.66 Td (Total operating expensesas reported) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 163.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 163.80 Td (4,444) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 163.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 163.66 Td (4,974) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 163.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 163.66 Td (4,931) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 163.80 Td (\(11) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 163.80 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 163.66 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 163.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 150.66 Td (Impact of FX translation) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 136.73 154.74 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 150.80 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 150.66 Td (\(737) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 150.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 150.66 Td (\(904) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 150.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 137.66 Td (Total operating expensesex-FX) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 137.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 137.80 Td (4,444) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 137.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 137.66 Td (4,237) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 137.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 137.66 Td (4,027) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 137.80 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 137.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 137.66 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 137.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 124.66 Td (Provisions for LLR & PBCas reported) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 124.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 124.80 Td (1,713) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 124.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 124.66 Td (2,084) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 124.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 124.66 Td (2,081) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 124.80 Td (\(18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 124.80 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 124.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 124.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 111.66 Td (Impact of FX translation) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 136.73 115.74 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 111.80 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 111.66 Td (\(373) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 111.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 111.66 Td (\(456) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 111.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 98.66 Td (Provisions for LLR & PBCex-FX) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 98.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 98.80 Td (1,713) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 98.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 98.66 Td (1,711) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 98.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 98.66 Td (1,625) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 98.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 98.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 98.66 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 98.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 85.66 Td (Net incomeas reported) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 85.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.50 85.80 Td (925) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 85.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 85.66 Td (1,152) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 85.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 85.66 Td (1,248) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 85.80 Td (\(20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 85.80 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 85.66 Td (\(8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 85.66 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 72.66 Td (Impact of FX translation) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 136.73 76.74 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 72.80 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 72.66 Td (\(180) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 72.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 72.66 Td (\(338) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 72.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 59.66 Td (Net incomeex-FX) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 59.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.50 59.80 Td (925) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 59.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 59.66 Td (972) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 59.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 59.66 Td (910) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.50 59.80 Td (\(5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 59.80 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 59.66 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 59.66 Td (%) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 43 0 obj <> endobj 44 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (19) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 750.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 750.50 Td (Reflects the impact of FX translation into U.S. dollars at the 2015 average exchange rates for all periods presented.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 740.90 Td (NM Not Meaningful) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 716.90 Td (The discussion of the r) Tj ET Q q 0 0 0 rg BT 126.19 716.90 Td (esults of operations for Latin ) Tj ET Q q 0 0 0 rg BT 244.63 716.90 Td (America GCB below excludes the impact of FX translation for all periods ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 704.90 Td (pr) Tj ET Q q 0 0 0 rg BT 44.52 704.90 Td (esented. Pr) Tj ET Q q 0 0 0 rg BT 89.13 704.90 Td (esentations of the r) Tj ET Q q 0 0 0 rg BT 165.15 704.90 Td (esults of operations, excluding the impact of FX translation, ar) Tj ET Q q 0 0 0 rg BT 416.70 704.90 Td (e non-GAAP) Tj ET Q q 0 0 0 rg BT 467.33 704.90 Td ( financial measur) Tj ET Q q 0 0 0 rg BT 536.96 704.90 Td (es. For a ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 692.90 Td (r) Tj ET Q q 0 0 0 rg BT 39.52 692.90 Td (econciliation of certain of these metrics to the r) Tj ET Q q 0 0 0 rg BT 229.11 692.90 Td (eported r) Tj ET Q q 0 0 0 rg BT 265.68 692.90 Td (esults, see the table above.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 668.90 Td (2015 vs. 2014) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 656.90 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.26 656.90 Td ( decreased 5% as higher expenses were partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 644.90 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 644.90 Td (fset by higher revenues.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 632.90 Td (Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.75 632.90 Td ( increased 3%, primarily due to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 620.90 Td (approximately $180 million gain on sale in the third quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 608.90 Td (2015 related to the Mexico merchant acquiring business. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 596.90 Td (Excluding this gain, revenues increased 1% as the impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 584.90 Td (modest volume growth was mostly of) Tj ET Q q 0 0 0 rg BT 186.64 584.90 Td (fset by the absence of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 572.90 Td (gains and revenues from businesses divested in 2014, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 560.90 Td (including as a result of the sale of the Honduras consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 548.90 Td (business in the second quarter and the partial sale of Citi) Tj ET Q q 0 0 0 rg BT 264.83 548.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 536.90 Td (indirect investment in Banco de Chile in the first quarter) Tj ET Q q 0 0 0 rg BT 261.37 536.90 Td (, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 524.90 Td (well as continued spread compression in cards. Revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 512.90 Td (were also impacted by continued slow economic growth in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 500.90 Td (region during 2015. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 488.90 Td (Retail banking revenues increased 6%, excluding the gain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 476.90 Td (on sale related to the merchant acquiring business and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 464.90 Td (business divestitures in 2014. ) Tj ET Q q 0 0 0 rg BT 158.59 464.90 Td (This increase in retail banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 452.90 Td (revenues reflected volume growth, including an increase in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 440.90 Td (average loans \(4%\) and average deposits \(5%\), partially of) Tj ET Q q 0 0 0 rg BT 270.44 440.90 Td (fset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 428.90 Td (by a decline in investment sales \(15%\). Cards revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 416.90 Td (decreased 2%, primarily due to higher payment rates in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 404.90 Td (Mexico resulting from the business) Tj ET Q q 0 0 0 rg BT 179.68 404.90 Td ( focus on higher credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 392.90 Td (quality customers, consistent with ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 174.59 392.90 Td (GCB) Tj ET Q q 0 0 0 rg BT 196.63 392.90 Td (s) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.53 392.90 Td ( strategy) Tj ET Q q 0 0 0 rg BT 234.03 392.90 Td (, as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 380.90 Td (muted volumes \(low purchase sales growth and unchanged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 368.90 Td (average loans\). Cards revenues were also negatively impacted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 356.90 Td (by ongoing shifts in consumer behavior) Tj ET Q q 0 0 0 rg BT 194.19 356.90 Td (, including due to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 344.90 Td (previously-disclosed regulatory reforms enacted in 2013 in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 332.90 Td (Mexico. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 74.05 332.90 Td (Latin ) Tj ET Q q 0 0 0 rg BT 97.48 332.90 Td (America GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.86 332.90 Td ( expects the cards payment rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 320.90 Td (in Mexico to remain elevated in 2016.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 308.90 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.21 308.90 Td ( increased 5%, primarily due to higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 296.90 Td (regulatory and compliance costs, higher technology spending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 284.90 Td (and mandatory salary increases in certain countries, partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 272.90 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 272.90 Td (fset by lower repositioning char) Tj ET Q q 0 0 0 rg BT 171.16 272.90 Td (ges, lower legal and related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 260.90 Td (costs and ongoing ef) Tj ET Q q 0 0 0 rg BT 118.30 260.90 Td (ficiency savings.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 248.90 Td (Pr) Tj ET Q q 0 0 0 rg BT 63.63 248.90 Td (ovisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.41 248.90 Td ( were unchanged as higher net credit losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 236.90 Td (were partially of) Tj ET Q q 0 0 0 rg BT 101.90 236.90 Td (fset by a lower net loan loss reserve build. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 224.90 Td (Net credit losses increased 1%, lar) Tj ET Q q 0 0 0 rg BT 173.54 224.90 Td (gely reflecting portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 212.90 Td (growth as well as net credit losses incurred in the commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 200.90 Td (banking portfolio in the fourth quarter of 2015 associated with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 188.90 Td (a wind-down portfolio in Brazil, most of which was of) Tj ET Q q 0 0 0 rg BT 254.12 188.90 Td (fset by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 176.90 Td (the release of previously-established loan loss reserves. ) Tj ET Q q 0 0 0 rg BT 262.14 176.90 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 164.90 Td (higher net credit losses were partially of) Tj ET Q q 0 0 0 rg BT 196.32 164.90 Td (fset by the absence of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 152.90 Td (a $71 million char) Tj ET Q q 0 0 0 rg BT 108.86 152.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 129.77 152.90 Td (f in the fourth quarter of 2014 related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 140.90 Td (to Citi) Tj ET Q q 0 0 0 rg BT 64.06 140.90 Td (s homebuilder exposure in Mexico. ) Tj ET Q q 0 0 0 rg BT 210.24 140.90 Td (The net loan loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 128.90 Td (reserve build declined 13%, primarily due to lower builds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 116.90 Td (related to Mexico cards, partially of) Tj ET Q q 0 0 0 rg BT 179.10 116.90 Td (fset by higher builds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 104.90 Td (related to Brazil in the second half of 2015, as well as the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 92.90 Td (absence of the releases related to the Mexico homebuilder ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 80.90 Td (exposure in 2014. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 668.90 Td (Argentina/V) Tj ET Q q 0 0 0 rg BT 374.02 668.90 Td (enezuela) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 656.90 Td (For additional information on Citi) Tj ET Q q 0 0 0 rg BT 462.88 656.90 Td (s exposures and risks in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 644.90 Td (Ar) Tj ET Q q 0 0 0 rg BT 334.37 644.90 Td (gentina and ) Tj ET Q q 0 0 0 rg BT 383.06 644.90 Td (V) Tj ET Q q 0 0 0 rg BT 389.18 644.90 Td (enezuela, see Managing Global Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 632.90 Td (Country Risk below) Tj ET Q q 0 0 0 rg BT 408.35 632.90 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 608.90 Td (2014 vs. 2013 ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 596.90 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.26 596.90 Td ( increased 7% as higher revenues were partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 584.90 Td (of) Tj ET Q q 0 0 0 rg BT 332.15 584.90 Td (fset by higher expenses and credit costs.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 572.90 Td (Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.75 572.90 Td ( increased 4%, primarily due to volume growth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 560.90 Td (and spread and fee growth in Mexico, partially of) Tj ET Q q 0 0 0 rg BT 521.81 560.90 Td (fset by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 548.90 Td (continued spread compression in the region and slower overall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 536.90 Td (economic growth in certain ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 436.18 536.90 Td (Latin ) Tj ET Q q 0 0 0 rg BT 459.62 536.90 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.50 536.90 Td ( markets, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 524.90 Td (Mexico and Brazil during 2014. Retail banking revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 512.90 Td (increased 3% as average loans increased 6%, investment sales ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 500.90 Td (increased 25% and average deposits increased 6%, partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 488.90 Td (of) Tj ET Q q 0 0 0 rg BT 332.15 488.90 Td (fset by lower spreads in Brazil and Colombia. Cards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 476.90 Td (revenues increased 8% as average loans increased 5% and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 464.90 Td (purchase sales increased 1%, excluding the impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 452.90 Td (Credicard) Tj ET Q q 0 0 0 rg BT 366.20 452.90 Td (s results in the prior) Tj ET Q q 0 0 0 rg BT 445.44 452.90 Td (-year period \(for additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 440.90 Td (information, see Note 2 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 428.90 Td (Statements\). ) Tj ET Q q 0 0 0 rg BT 378.53 428.90 Td (The increase in cards revenues was partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 416.90 Td (of) Tj ET Q q 0 0 0 rg BT 332.15 416.90 Td (fset by lower economic growth and slowing cards purchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 404.90 Td (sales in Mexico due to the regulatory reforms enacted during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 392.90 Td (2013, as referenced above. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 380.90 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.21 380.90 Td ( increased 5%, primarily due to mandatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 368.90 Td (salary increases in certain countries, higher legal and related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 356.90 Td (costs, increased repositioning char) Tj ET Q q 0 0 0 rg BT 461.55 356.90 Td (ges and higher technology ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 344.90 Td (spending, partially of) Tj ET Q q 0 0 0 rg BT 409.08 344.90 Td (fset by productivity and repositioning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 332.90 Td (savings.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 320.90 Td (Pr) Tj ET Q q 0 0 0 rg BT 351.63 320.90 Td (ovisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.41 320.90 Td ( increased 5%, primarily due to higher net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 308.90 Td (credit losses, which were partially of) Tj ET Q q 0 0 0 rg BT 470.99 308.90 Td (fset by a lower loan loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 296.90 Td (reserve build. Net credit losses increased 22%, driven by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 284.90 Td (portfolio growth and continued seasoning in the Mexico cards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 272.90 Td (portfolio. Net credit losses were also impacted by both the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 260.90 Td (slower economic growth and regulatory reforms in Mexico as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 248.90 Td (well as the $71 million char) Tj ET Q q 0 0 0 rg BT 435.18 248.90 Td (ge-of) Tj ET Q q 0 0 0 rg BT 456.10 248.90 Td (f related to Citi) Tj ET Q q 0 0 0 rg BT 519.69 248.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 236.90 Td (homebuilder exposure in Mexico. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 224.90 Td ( ) Tj ET Q endstream endobj 45 0 obj <> endobj 46 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (20) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (ASIA) Tj ET Q q 0 0 0 rg BT 64.01 747.90 Td ( GCB) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 727.90 Td (Asia GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.28 727.90 Td ( provides traditional retail banking, including commercial banking, and its Citi-branded card products to retail customers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 715.90 Td (and small to mid-size businesses, as applicable. ) Tj ET Q q 0 0 0 rg BT 230.40 715.90 Td (As of December 31, 2015, Citi) Tj ET Q q 0 0 0 rg BT 356.21 715.90 Td (s most significant revenues in the region were from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 703.90 Td (Korea, Singapore, Hong Kong, ) Tj ET Q q 0 0 0 rg BT 162.37 703.90 Td (Australia, India, ) Tj ET Q q 0 0 0 rg BT 229.39 703.90 Td (T) Tj ET Q q 0 0 0 rg BT 234.80 703.90 Td (aiwan, Malaysia, ) Tj ET Q q 0 0 0 rg BT 305.15 703.90 Td (Thailand, Indonesia and the Philippines. In addition, for reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 691.90 Td (purposes, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 76.55 691.90 Td (Asia GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.83 691.90 Td ( includes the results of operations of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 264.30 691.90 Td (EMEA) Tj ET Q q 0 0 0 rg BT 290.77 691.90 Td ( GCB,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.77 691.90 Td ( which provides traditional retail banking, including commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 679.90 Td (banking, and Citi-branded card products to retail customers and small to mid-size businesses, primarily in Poland, Russia and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 667.90 Td (United ) Tj ET Q q 0 0 0 rg BT 65.17 667.90 Td (Arab Emirates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 655.90 Td (At December 31, 2015, on a combined basis, the businesses had 520 retail branches, approximately 17.5million retail banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 643.90 Td (customer accounts, $71.0billion in retail banking loans and $87.8billion in deposits. In addition, the business had approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 631.90 Td (16.9million Citi-branded card accounts with $17.7 billion in outstanding loan balances. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 598.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 598.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 598.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 598.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 598.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 598.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 570.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 570.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 570.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 570.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 570.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 570.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 542.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 542.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 542.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 542.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 542.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 542.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 514.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 514.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 514.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 514.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 514.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 514.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 486.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 486.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 486.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 486.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 486.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 486.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 458.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 458.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 458.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 458.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 458.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 458.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 430.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 430.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 430.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 430.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 430.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 430.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 402.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 402.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 402.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 402.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 402.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 402.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 374.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 374.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 374.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 374.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 374.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 374.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 346.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 346.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 346.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 346.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 346.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 346.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 318.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 318.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 318.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 318.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 318.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 318.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 290.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 290.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 290.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 290.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 290.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 290.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 262.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 262.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 262.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 262.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 262.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 262.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 234.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 234.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 234.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 234.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 234.40 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 234.40 62.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 598.4 m 267.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 598.4 m 515.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 598.4 m 329.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 598.4 m 391.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 598.4 m 453.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 598.4 m 577.5 598.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 570.4 m 267.5 570.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 570.4 m 329.5 570.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 570.4 m 391.5 570.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 570.4 m 453.5 570.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 570.4 m 577.5 570.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 556.4 m 267.5 556.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 570.4 m 329.5 570.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 556.4 m 329.5 556.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 570.4 m 391.5 570.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 556.4 m 391.5 556.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 570.4 m 453.5 570.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 556.4 m 453.5 556.4 l s 0 0 0 RG 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/GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 542.4 m 577.5 542.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 500.4 m 267.5 500.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 486.4 m 267.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 500.4 m 329.5 500.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 486.4 m 329.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 500.4 m 391.5 500.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 486.4 m 391.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 500.4 m 453.5 500.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 486.4 m 453.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 500.4 m 515.5 500.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 486.4 m 515.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 500.4 m 577.5 500.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 486.4 m 577.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 486.4 m 329.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 486.4 m 391.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 486.4 m 453.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 486.4 m 577.5 486.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 458.4 m 267.5 458.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 458.4 m 329.5 458.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 458.4 m 391.5 458.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 458.4 m 453.5 458.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 458.4 m 515.5 458.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 458.4 m 577.5 458.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 458.4 m 329.5 458.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 458.4 m 391.5 458.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 458.4 m 453.5 458.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 458.4 m 577.5 458.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 430.4 m 267.5 430.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 416.4 m 267.5 416.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 430.4 m 329.5 430.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 416.4 m 329.5 416.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 430.4 m 391.5 430.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 416.4 m 391.5 416.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 430.4 m 453.5 430.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 416.4 m 453.5 416.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 430.4 m 515.5 430.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 416.4 m 515.5 416.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 430.4 m 577.5 430.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 416.4 m 577.5 416.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 332.4 m 267.5 332.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 332.4 m 329.5 332.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 332.4 m 391.5 332.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 332.4 m 453.5 332.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 332.4 m 515.5 332.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 332.4 m 577.5 332.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 290.4 m 267.5 290.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 276.4 m 267.5 276.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 290.4 m 329.5 290.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 276.4 m 329.5 276.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 290.4 m 391.5 290.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 276.4 m 391.5 276.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 290.4 m 453.5 290.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 276.4 m 453.5 276.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 290.4 m 515.5 290.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 276.4 m 515.5 276.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 290.4 m 577.5 290.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 276.4 m 577.5 276.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 234.39999999999998 m 267.5 234.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 220.39999999999998 m 267.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 234.39999999999998 m 329.5 234.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 220.39999999999998 m 329.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 234.39999999999998 m 391.5 234.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 220.39999999999998 m 391.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 234.39999999999998 m 453.5 234.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 220.39999999999998 m 453.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 234.39999999999998 m 515.5 234.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 220.39999999999998 m 515.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 234.39999999999998 m 577.5 234.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 220.39999999999998 m 577.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 220.39999999999998 m 329.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 220.39999999999998 m 391.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 220.39999999999998 m 453.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 220.39999999999998 m 577.5 220.39999999999998 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 602.65 Td (In millions of dollars, except as otherwise noted) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 192.76 606.27 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 602.85 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 602.86 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.00 602.86 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.60 611.85 Td (% Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.45 602.85 Td (2015 vs. 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.35 611.86 Td (% Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.45 602.86 Td (2014 vs. 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 588.86 Td (Net interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 588.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 588.85 Td (4,557) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 588.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.25 588.86 Td (5,049) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 588.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 588.86 Td (5,163) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 588.85 Td (\(10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 588.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 588.86 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 588.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 574.86 Td (Non-interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 574.85 Td (2,534) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.25 574.86 Td (2,839) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 574.86 Td (2,768) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 574.85 Td (\(11) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 574.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 574.86 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 560.85 Td (Total revenues, net of interest expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 560.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 560.85 Td (7,091) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 560.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.25 560.86 Td (7,888) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 560.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 560.86 Td (7,931) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 560.85 Td (\(10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 560.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 560.86 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 560.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 546.86 Td (Total operating expenses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 546.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 546.85 Td (4,634) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 546.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.25 546.86 Td (5,271) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 546.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 546.86 Td (5,017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 546.85 Td (\(12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 546.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 546.86 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.50 546.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 532.86 Td (Net credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 532.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.50 532.85 Td (727) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 532.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 532.86 Td (793) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 532.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 532.86 Td (771) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 532.85 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 532.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 532.86 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.50 532.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 518.86 Td (Credit reserve build \(release\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.00 518.85 Td (\(73) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 518.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.50 518.86 Td (\(26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.50 518.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 518.86 Td (19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 518.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.45 518.86 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 504.86 Td (Provision \(release\) for unfunded lending commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.50 504.85 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 504.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.50 504.86 Td (\(14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.50 504.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 504.86 Td (31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 504.85 Td (79) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.45 504.86 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 490.86 Td (Provisions for credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 490.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.50 490.85 Td (651) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 490.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 490.86 Td (753) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 490.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 490.86 Td (821) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 490.85 Td (\(14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 490.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 490.86 Td (\(8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 490.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 476.86 Td (Income from continuing operations before taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 476.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 476.85 Td (1,806) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 476.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.25 476.86 Td (1,864) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 476.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 476.86 Td (2,093) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 476.85 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 476.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 476.86 Td (\(11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 476.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 462.86 Td (Income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.50 462.85 Td (607) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 462.86 Td (615) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 462.86 Td (686) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 462.85 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 462.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 462.86 Td (\(10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 462.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 448.85 Td (Income from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 448.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 448.85 Td (1,199) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 448.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.25 448.86 Td (1,249) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 448.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 448.86 Td (1,407) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 448.85 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 448.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 448.86 Td (\(11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 448.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 434.86 Td (Noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 434.85 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.50 434.86 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 434.86 Td (11) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 434.85 Td (\(70) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 434.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.50 434.86 Td (82) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 420.85 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 420.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 420.85 Td (1,193) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 420.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.25 420.86 Td (1,229) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 420.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 420.86 Td (1,396) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 420.85 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 420.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 420.86 Td (\(12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 420.86 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 406.85 Td (Balance Sheet data ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 114.25 406.85 Td (\(in billions of dollars\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.00 406.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 406.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 392.86 Td (Average assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 392.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.50 392.85 Td (120) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 392.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 392.86 Td (122) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 392.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 392.86 Td (119) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 392.85 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 392.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 392.86 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.50 392.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 378.86 Td (Return on average assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 378.85 Td (0.99) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 378.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 378.86 Td (1.01) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.50 378.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 378.86 Td (1.17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 378.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 364.86 Td (Efficiency ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.00 364.85 Td (65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.50 364.86 Td (67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 364.86 Td (63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 350.86 Td (Average deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 350.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 350.85 Td (87.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 350.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 350.86 Td (89.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 350.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 350.86 Td (89.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 350.85 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 350.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.50 350.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 336.86 Td (Net credit losses as a percentage of average loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 336.85 Td (0.80) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 336.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 336.86 Td (0.82) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.50 336.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 336.86 Td (0.84) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 336.86 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 322.85 Td (Revenue by business) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 308.86 Td (Retail banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 308.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 308.85 Td 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[] 0 d 0 J 0 j 3 M 329.5 572.5 m 391.5 572.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 572.5 m 453.5 572.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 586.5 m 515.5 586.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 572.5 m 515.5 572.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 572.5 m 577.5 572.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 744.95 Td (FX translation impact) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 730.96 Td (Total revenuesas reported) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 730.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 730.95 Td (7,091) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 730.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.25 730.96 Td (7,888) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 730.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 730.96 Td (7,931) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 730.95 Td (\(10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 730.95 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 730.96 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 730.96 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 716.96 Td (Impact of FX translation) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 145.73 721.04 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.00 716.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 716.96 Td (\(587) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.50 716.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 716.96 Td (\(789) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 716.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 702.96 Td (Total revenuesex-FX) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 702.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 702.95 Td (7,091) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 702.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.25 702.96 Td (7,301) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 702.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 702.96 Td (7,142) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 702.95 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 702.95 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 702.96 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.50 702.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 688.96 Td (Total operating expensesas reported) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 688.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 688.95 Td (4,634) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 688.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.25 688.96 Td (5,271) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 688.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 688.96 Td (5,017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 688.95 Td (\(12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 688.95 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 688.96 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.50 688.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 674.96 Td (Impact of FX translation) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 145.73 679.04 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.00 674.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 674.96 Td (\(434) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.50 674.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 674.96 Td (\(478) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 674.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 660.96 Td (Total operating expensesex-FX) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 660.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 660.95 Td (4,634) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 660.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.25 660.96 Td (4,837) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 660.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 660.96 Td (4,539) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 660.95 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 660.95 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 660.96 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.50 660.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 646.96 Td (Provisions for loan lossesas reported) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 646.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.50 646.95 Td (651) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 646.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 646.96 Td (753) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 646.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 646.96 Td (821) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 646.95 Td (\(14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 646.95 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 646.96 Td (\(8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 646.96 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 632.96 Td (Impact of FX translation) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 145.73 637.04 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.00 632.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.50 632.96 Td (\(97) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.50 632.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 632.96 Td (\(102) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 632.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 618.96 Td (Provisions for loan lossesex-FX) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 618.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.50 618.95 Td (651) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 618.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 618.96 Td (656) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 618.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 618.96 Td (719) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 618.95 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 618.95 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 618.96 Td (\(9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 618.96 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 604.96 Td (Net incomeas reported) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 604.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 604.95 Td (1,193) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 604.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.25 604.96 Td (1,229) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 604.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 604.96 Td (1,396) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 604.95 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 604.95 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 604.96 Td (\(12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 604.96 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 590.96 Td (Impact of FX translation) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 145.73 595.04 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.00 590.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.50 590.96 Td (\(17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.50 590.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.50 590.96 Td (\(78) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 590.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 576.96 Td (Net incomeex-FX) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 576.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 576.95 Td (1,193) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 576.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.25 576.96 Td (1,212) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 576.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 576.96 Td (1,318) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 576.95 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 576.95 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 576.96 Td (\(8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 576.96 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 553.80 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 553.80 Td (For reporting purposes, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 130.88 553.80 Td (Asia GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 163.10 553.80 Td ( includes the results of operations of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 281.07 553.80 Td (EMEA) Tj ET Q q 0 0 0 rg BT 302.25 553.80 Td ( GCB ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 322.25 553.80 Td (for all periods presented.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 544.20 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 544.20 Td (Reflects the impact of FX translation into U.S. dollars at the 2015 average exchange rates for all periods presented.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 534.60 Td (NM ) Tj ET Q q 0 0 0 rg BT 54.00 534.60 Td (Not meaningful) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 510.60 Td (The discussion of the r) Tj ET Q q 0 0 0 rg BT 126.19 510.60 Td (esults of operations for ) Tj ET Q q 0 0 0 rg BT 221.01 510.60 Td (Asia GCB below excludes the impact of FX translation for all periods pr) Tj ET Q q 0 0 0 rg BT 511.17 510.60 Td (esented. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 498.60 Td (Pr) Tj ET Q q 0 0 0 rg BT 45.63 498.60 Td (esentations of the r) Tj ET Q q 0 0 0 rg BT 121.64 498.60 Td (esults of operations, excluding the impact of FX translation, ar) Tj ET Q q 0 0 0 rg BT 373.19 498.60 Td (e non-GAAP) Tj ET Q q 0 0 0 rg BT 423.83 498.60 Td ( financial measur) Tj ET Q q 0 0 0 rg BT 493.45 498.60 Td (es. For a ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 486.60 Td (r) Tj ET Q q 0 0 0 rg BT 39.52 486.60 Td (econciliation of certain of these metrics to the r) Tj ET Q q 0 0 0 rg BT 229.11 486.60 Td (eported r) Tj ET Q q 0 0 0 rg BT 265.68 486.60 Td (esults, see the table above.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 462.60 Td (2015 vs. 2014) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 450.60 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.26 450.60 Td ( decreased 2%, primarily due to lower revenues, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 438.60 Td (partially of) Tj ET Q q 0 0 0 rg BT 79.97 438.60 Td (fset by lower expenses.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 426.60 Td (Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.75 426.60 Td ( decreased 3%, primarily due to an industry-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 414.60 Td (wide slowdown in investment sales, particularly in the second ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 402.60 Td (half of 2015, as well as spread compression and higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 390.60 Td (payment rates and the ongoing impact of regulatory changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 378.60 Td (cards, partially of) Tj ET Q q 0 0 0 rg BT 106.07 378.60 Td (fset by volume growth. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 366.60 Td (Retail banking revenues decreased 2%, mainly due to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 354.60 Td (decline in investment sales revenue, particularly in ) Tj ET Q q 0 0 0 rg BT 241.30 354.60 Td (T) Tj ET Q q 0 0 0 rg BT 246.71 354.60 Td (aiwan, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 342.60 Td (Singapore, India, Korea and Indonesia, reflecting weaker ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 330.60 Td (customer confidence due to slowing economic growth and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 318.60 Td (volatility in the capital markets, as well as spread ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 306.60 Td (compression, particularly in Poland. ) Tj ET Q q 0 0 0 rg BT 185.51 306.60 Td (This decline in revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 294.60 Td (was partially of) Tj ET Q q 0 0 0 rg BT 98.02 294.60 Td (fset by higher volumes, driven by lending \(2% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 282.60 Td (increase in average loans\), deposit products \(5% increase in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 270.60 Td (average deposits\) and higher insurance fee revenues. Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 258.60 Td (expects investment sales revenues could continue to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 246.60 Td (challenged in 2016, depending upon overall consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 234.60 Td (sentiment, economic growth and the capital markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 222.60 Td (environment in the region. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 210.60 Td (Cards revenues decreased 5%, primarily due to spread ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 198.60 Td (compression, including continued high payment rates, and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 186.60 Td (ongoing impact of regulatory changes, particularly in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 174.60 Td (Singapore, ) Tj ET Q q 0 0 0 rg BT 81.37 174.60 Td (T) Tj ET Q q 0 0 0 rg BT 86.78 174.60 Td (aiwan, ) Tj ET Q q 0 0 0 rg BT 115.10 174.60 Td (Australia, Malaysia and Poland, partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 162.60 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 162.60 Td (fset by modest volume growth \(a 3% increase in average ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 150.60 Td (loans and a 5% increase in purchase sales\). Cards revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 138.60 Td (were also impacted by the weaker customer confidence, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 126.60 Td (primarily in the second half of 2015. Spread compression and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 114.60 Td (regulatory changes will likely continue to have a negative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 102.60 Td (impact on cards revenues in the near term.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 90.60 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.21 90.60 Td ( decreased 4%, primarily due to the absence of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 78.60 Td (repositioning char) Tj ET Q q 0 0 0 rg BT 108.30 78.60 Td (ges in Korea in 2014 and ef) Tj ET Q q 0 0 0 rg BT 218.64 78.60 Td (ficiency savings, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 66.60 Td (partially of) Tj ET Q q 0 0 0 rg BT 79.97 66.60 Td (fset by higher regulatory and compliance costs, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 462.60 Td (investment spending, volume-related growth and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 450.60 Td (compensation expense.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 438.60 Td (Pr) Tj ET Q q 0 0 0 rg BT 351.63 438.60 Td (ovisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.41 438.60 Td ( decreased 1%, primarily due to higher loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 426.60 Td (loss reserve releases, lar) Tj ET Q q 0 0 0 rg BT 420.44 426.60 Td (gely of) Tj ET Q q 0 0 0 rg BT 448.31 426.60 Td (fset by an increase in net credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 414.60 Td (losses related to the consumer business in Russia due to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 402.60 Td (deterioration in the economic environment. Overall credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 390.60 Td (quality remained stable across the region during 2015.) Tj ET Q endstream endobj 49 0 obj <> endobj 50 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (22) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (2014 vs. 2013 ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.26 737.25 Td ( decreased 8%, primarily due to higher expenses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (partially of) Tj ET Q q 0 0 0 rg BT 79.97 725.25 Td (fset by lower credit costs and higher revenues.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 713.25 Td (Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.75 713.25 Td ( increased 2%, reflecting higher retail banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (revenues, partially of) Tj ET Q q 0 0 0 rg BT 120.51 701.25 Td (fset by lower cards revenues. Retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (banking revenues increased 4%, due to higher insurance fee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (revenues and volume growth \(average retail loans increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (8% and average retail deposits increased 2%\), partially of) Tj ET Q q 0 0 0 rg BT 266.56 665.25 Td (fset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (by the ongoing impact of regulatory changes and continued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (spread compression. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 629.25 Td (Cards revenues decreased 1%, due to the impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (regulatory changes, particularly in Korea, Indonesia and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (Singapore, spread compression and customer deleveraging, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (lar) Tj ET Q q 0 0 0 rg BT 46.37 593.25 Td (gely of) Tj ET Q q 0 0 0 rg BT 74.23 593.25 Td (fset by a 2% increase in average loans and a 3% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (increase in purchase sales driven by growth in China, India, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (Singapore and Hong Kong.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 557.25 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.21 557.25 Td ( increased 7%, primarily due to higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (repositioning char) Tj ET Q q 0 0 0 rg BT 108.30 545.25 Td (ges in Korea, investment spending and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (volume-related growth, partially of) Tj ET Q q 0 0 0 rg BT 176.33 533.25 Td (fset by higher ef) Tj ET Q q 0 0 0 rg BT 241.40 533.25 Td (ficiency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (savings.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 509.25 Td (Pr) Tj ET Q q 0 0 0 rg BT 63.63 509.25 Td (ovisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.41 509.25 Td ( decreased 9%, primarily due to higher overall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (loan loss reserve releases, partially of) Tj ET Q q 0 0 0 rg BT 185.76 497.25 Td (fset by a loan loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (reserve build related to the consumer business in Russia. ) Tj ET Q endstream endobj 51 0 obj <> endobj 52 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 15.60 Td (23) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 756.90 Td (INSTITUTIONAL) Tj ET Q q 0 0 0 rg BT 132.04 756.90 Td ( CLIENTS GROUP) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 736.90 Td (Institutional Clients Gr) Tj ET Q q 0 0 0 rg BT 128.97 736.90 Td (oup \(ICG\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.35 736.90 Td ( provides corporate, institutional, public sector and high-net-worth clients around the world with a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 724.90 Td (full range of wholesale banking products and services, including fixed income and equity sales and trading, foreign exchange, prime ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 712.90 Td (brokerage, derivative services, equity and fixed income research, corporate lending, investment banking and advisory services, private ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 700.90 Td (banking, cash management, trade finance and securities services. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 300.89 700.90 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.11 700.90 Td ( transacts with clients in both cash instruments and derivatives, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 688.90 Td (including fixed income, foreign currency) Tj ET Q q 0 0 0 rg BT 199.46 688.90 Td (, equity and commodity products.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 676.90 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.22 676.90 Td ( revenue is generated primarily from fees and spreads associated with these activities. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 418.59 676.90 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.82 676.90 Td ( earns fee income for assisting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 664.90 Td (clients in clearing transactions, providing brokerage and investment banking services and other such activities. Revenue generated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 652.90 Td (from these activities is recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 176.51 652.90 Td (Commissions and fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.40 652.90 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 284.84 652.90 Td (Investment banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.87 652.90 Td (. In addition, as a market maker) Tj ET Q q 0 0 0 rg BT 489.09 652.90 Td (, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 494.09 652.90 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.31 652.90 Td ( facilitates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 640.90 Td (transactions, including holding product inventory to meet client demand, and earns the dif) Tj ET Q q 0 0 0 rg BT 395.73 640.90 Td (ferential between the price at which it buys ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 628.90 Td (and sells the products. ) Tj ET Q q 0 0 0 rg BT 129.69 628.90 Td (These price dif) Tj ET Q q 0 0 0 rg BT 189.48 628.90 Td (ferentials and the unrealized gains and losses on the inventory are recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 502.42 628.90 Td (Principal ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 616.90 Td (transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.45 616.90 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 92.95 616.90 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.28 616.90 Td ( primarily includes mark-to-market gains and losses on credit derivatives, gains and losses on available-for) Tj ET Q q 0 0 0 rg BT 543.46 616.90 Td (-sale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 604.90 Td (\(AFS\) securities and other non-recurring gains and losses. Interest income earned on inventory and loans held less interest paid to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 592.90 Td (customers on deposits is recorded as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 184.30 592.90 Td (Net inter) Tj ET Q q 0 0 0 rg BT 219.20 592.90 Td (est r) Tj ET Q q 0 0 0 rg BT 236.33 592.90 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.09 592.90 Td (. Revenue is also generated from transaction processing and assets under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 580.90 Td (custody and administration. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 568.90 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.22 568.90 Td () Tj ET Q q 0 0 0 rg BT 74.00 568.90 Td (s international presence is supported by trading floors in approximately 80 countries and a proprietary network in over 95 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 556.90 Td (countries and jurisdictions. ) Tj ET Q q 0 0 0 rg BT 148.49 556.90 Td (At December31, 2015, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 244.57 556.90 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.79 556.90 Td ( had approximately $1.2 trillion of assets and $587 billion of deposits, while ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 544.90 Td (two of its businesses, securities services and issuer services, managed approximately $15.1 trillion of assets under custody compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 532.90 Td (to $16.1 trillion at the end of 2014. ) Tj ET Q q 0 0 0 rg BT 180.52 532.90 Td (The decline in assets under custody from 2014 was primarily due to the impact of FX translation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 520.90 Td (and a decline in market volumes. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 477.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 477.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 477.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 477.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 477.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 477.40 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 449.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 449.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 449.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 449.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 449.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 449.40 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 421.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 421.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 421.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 421.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 421.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 421.40 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 393.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 393.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 393.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 393.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 393.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 393.40 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 365.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 365.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 365.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 365.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 365.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 365.40 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 337.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 337.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 337.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 337.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 337.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 337.40 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 309.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 309.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 309.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 309.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 309.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 309.40 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 281.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 281.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 281.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 281.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 281.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 281.40 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 253.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 253.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 253.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 253.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 253.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 253.40 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 225.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 225.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 225.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 225.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 225.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 225.40 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 197.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 197.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 197.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 197.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 197.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 197.40 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 169.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 169.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 169.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 169.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 169.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 169.40 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 141.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 141.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 141.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 141.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 141.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 141.40 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 113.40 231.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 113.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 113.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 113.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 113.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 113.40 59.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 477.4 m 267.5 477.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 477.4 m 325.5 477.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 477.4 m 383.5 477.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 477.4 m 441.5 477.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 477.4 m 499.5 477.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 477.4 m 558.5 477.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 407.4 m 267.5 407.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 407.4 m 325.5 407.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 407.4 m 383.5 407.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 407.4 m 441.5 407.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 407.4 m 499.5 407.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 407.4 m 558.5 407.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 407.4 m 325.5 407.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 407.4 m 383.5 407.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 407.4 m 441.5 407.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 407.4 m 558.5 407.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 379.4 m 267.5 379.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 379.4 m 325.5 379.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 379.4 m 441.5 379.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 379.4 m 558.5 379.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 365.4 m 267.5 365.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 379.4 m 325.5 379.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 365.4 m 325.5 365.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 379.4 m 383.5 379.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 365.4 m 383.5 365.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 379.4 m 441.5 379.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 365.4 m 441.5 365.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 379.4 m 499.5 379.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 379.4 m 558.5 379.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 365.4 m 558.5 365.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 351.4 m 267.5 351.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 365.4 m 325.5 365.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 365.4 m 383.5 365.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 365.4 m 441.5 365.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 365.4 m 499.5 365.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 351.4 m 499.5 351.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 365.4 m 558.5 365.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 351.4 m 325.5 351.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 351.4 m 383.5 351.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 351.4 m 441.5 351.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 351.4 m 558.5 351.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 309.4 m 267.5 309.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 295.4 m 267.5 295.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 309.4 m 325.5 309.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 295.4 m 325.5 295.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 309.4 m 383.5 309.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 295.4 m 383.5 295.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 309.4 m 441.5 309.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 295.4 m 441.5 295.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 309.4 m 499.5 309.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 295.4 m 499.5 295.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 309.4 m 558.5 309.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 295.4 m 558.5 295.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 295.4 m 325.5 295.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 295.4 m 383.5 295.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 295.4 m 441.5 295.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 295.4 m 558.5 295.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 267.4 m 267.5 267.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 267.4 m 325.5 267.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 267.4 m 383.5 267.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 267.4 m 441.5 267.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 267.4 m 499.5 267.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 267.4 m 558.5 267.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 267.4 m 325.5 267.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 267.4 m 383.5 267.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 267.4 m 441.5 267.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 267.4 m 558.5 267.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 239.39999999999998 m 267.5 239.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 225.39999999999998 m 267.5 225.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 239.39999999999998 m 325.5 239.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 225.39999999999998 m 325.5 225.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 239.39999999999998 m 383.5 239.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 225.39999999999998 m 383.5 225.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 239.39999999999998 m 441.5 239.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 225.39999999999998 m 441.5 225.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 239.39999999999998 m 499.5 239.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 225.39999999999998 m 499.5 225.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 239.39999999999998 m 558.5 239.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 225.39999999999998 m 558.5 225.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 183.39999999999998 m 267.5 183.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 183.39999999999998 m 325.5 183.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 183.39999999999998 m 383.5 183.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 183.39999999999998 m 441.5 183.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 183.39999999999998 m 499.5 183.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 183.39999999999998 m 558.5 183.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 113.39999999999998 m 267.5 113.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 113.39999999999998 m 325.5 113.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 113.39999999999998 m 383.5 113.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 113.39999999999998 m 441.5 113.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 113.39999999999998 m 499.5 113.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 113.39999999999998 m 558.5 113.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 99.39999999999998 m 267.5 99.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 99.39999999999998 m 325.5 99.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 99.39999999999998 m 383.5 99.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 99.39999999999998 m 441.5 99.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 99.39999999999998 m 499.5 99.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 99.39999999999998 m 558.5 99.39999999999998 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 481.65 Td (In millions of dollars, except as otherwise noted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.00 481.85 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 345.00 481.86 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 481.86 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.60 499.85 Td (% Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.60 490.85 Td (2015 vs.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.00 481.85 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.85 499.86 Td (% Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.10 490.86 Td (2014 vs.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 481.86 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 467.86 Td (Commissions and fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 467.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.75 467.85 Td (3,855) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 467.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 467.86 Td (3,995) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 467.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 467.86 Td (3,980) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 467.85 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 467.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 467.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 467.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 453.86 Td (Administration and other fiduciary fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.75 453.85 Td (2,424) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 453.86 Td (2,520) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 453.86 Td (2,576) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 453.85 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 453.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 453.86 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 453.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 439.86 Td (Investment banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.75 439.85 Td (4,110) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 439.86 Td (4,269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 439.86 Td (3,862) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 439.85 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 439.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 439.86 Td (11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 425.86 Td (Principal transactions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.75 425.85 Td (5,823) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 425.86 Td (5,905) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 425.86 Td (6,489) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 425.85 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 425.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 425.86 Td (\(9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 425.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 411.86 Td (Other) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 59.49 415.94 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.75 411.85 Td (1,337) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 411.86 Td (661) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 411.86 Td (905) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 411.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.50 411.86 Td (\(27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 411.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 397.86 Td (Total non-interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 397.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.25 397.85 Td (17,549) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 397.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 397.86 Td (17,350) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 397.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.75 397.86 Td (17,812) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.50 397.85 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 397.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 397.86 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 397.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 383.86 Td (Net interest revenue \(including dividends\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.25 383.85 Td (16,199) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 383.86 Td (15,702) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.75 383.86 Td (15,510) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.50 383.85 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 383.86 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 369.85 Td (Total revenues, net of interest expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 369.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.25 369.85 Td (33,748) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 369.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 369.86 Td (33,052) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 369.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.75 369.86 Td (33,322) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.50 369.85 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 369.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 369.86 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 369.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 355.86 Td (Total operating expenses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 355.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.25 355.85 Td (18,985) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 355.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 355.86 Td (19,391) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 355.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.75 355.86 Td (19,645) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 355.85 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 355.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 355.86 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 355.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 341.86 Td (Net credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 341.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.50 341.85 Td (207) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 341.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 341.86 Td (276) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 341.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 341.86 Td (182) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 341.85 Td (\(25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 341.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 341.86 Td (52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 341.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 327.86 Td (Credit reserve build \(release\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.50 327.85 Td (627) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.50 327.86 Td (\(90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.50 327.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 327.86 Td (\(157) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.50 327.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 327.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 327.86 Td (43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 313.86 Td (Provision \(release\) for unfunded lending commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.00 313.85 Td (95) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 313.86 Td (\(129) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.50 313.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.50 313.86 Td (53) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 313.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.45 313.86 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 299.86 Td (Provisions for credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 299.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.50 299.85 Td (929) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 299.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 299.86 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 299.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.50 299.86 Td (78) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 299.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.50 299.86 Td (\(27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 299.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 285.86 Td (Income from continuing operations before taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 285.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.25 285.85 Td (13,834) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 285.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 285.86 Td (13,604) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 285.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.75 285.86 Td (13,599) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.50 285.85 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 285.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 285.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 285.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 271.86 Td (Income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.75 271.85 Td (4,383) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 271.86 Td (4,070) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 271.86 Td (4,174) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.50 271.85 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 271.86 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 271.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 257.85 Td (Income from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 257.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.75 257.85 Td (9,451) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 257.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 257.86 Td (9,534) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 257.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 257.86 Td (9,425) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 257.85 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 257.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 257.86 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 257.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 243.86 Td (Noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.00 243.85 Td (52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 243.86 Td (118) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 243.86 Td (110) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 243.85 Td (\(56) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 243.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 243.86 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 229.85 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 229.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.75 229.85 Td (9,399) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 229.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 229.86 Td (9,416) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 229.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 229.86 Td (9,315) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 229.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 229.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 229.86 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 229.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 215.86 Td (A) Tj ET Q q 0 0 0 rg BT 44.83 215.86 Td (verage assets ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 94.31 215.86 Td (\(in billions of dollars\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 215.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.75 215.85 Td (1,266) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 215.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 215.86 Td (1,287) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 215.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 215.86 Td (1,258) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 215.85 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 215.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 215.86 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 215.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 201.86 Td (Return on average assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.25 201.85 Td (0.74) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.00 201.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 201.86 Td (0.73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.50 201.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 201.86 Td (0.74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.50 201.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 187.86 Td (Efficiency ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.00 187.85 Td (56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 187.86 Td (59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.50 187.86 Td (59) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 173.85 Td (Revenues by region) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 159.85 Td (North America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 159.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.25 159.85 Td (13,105) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 159.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 159.86 Td (12,940) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 159.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.75 159.86 Td (11,434) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.50 159.85 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 159.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 159.86 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 159.86 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 145.85 Td (EMEA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.75 145.85 Td (9,799) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 145.86 Td (9,415) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.75 145.86 Td (10,061) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.50 145.85 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 145.86 Td (\(6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 145.86 Td (\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 131.85 Td (Latin America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.75 131.85 Td (3,918) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 131.86 Td (4,098) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 131.86 Td (4,675) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 131.85 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 131.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.50 131.86 Td (\(12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 131.86 Td (\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 117.85 Td (Asia) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.75 117.85 Td (6,926) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 117.86 Td (6,599) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 117.86 Td (7,152) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.50 117.85 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 117.86 Td (\(8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 117.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 103.85 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 103.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.25 103.85 Td (33,748) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 103.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 103.86 Td (33,052) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 103.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.75 103.86 Td (33,322) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.50 103.85 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 103.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 103.86 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 103.86 Td (\)%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 39.00 78.65 Td (\(1\) Increase in 2015 primarily reflects mark-to-market gains on credit derivatives.) 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692.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 692.5 m 441.5 692.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 692.5 m 499.5 692.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 692.5 m 558.5 692.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 678.5 m 267.5 678.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 678.5 m 325.5 678.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 678.5 m 383.5 678.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 692.5 m 441.5 692.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 678.5 m 441.5 678.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 678.5 m 499.5 678.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 678.5 m 558.5 678.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 678.5 m 267.5 678.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 607.5 m 267.5 607.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 607.5 m 325.5 607.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 607.5 m 383.5 607.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 607.5 m 441.5 607.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 607.5 m 499.5 607.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 607.5 m 558.5 607.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 593.5 m 267.5 593.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 593.5 m 325.5 593.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 593.5 m 383.5 593.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 593.5 m 441.5 593.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 593.5 m 499.5 593.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 593.5 m 558.5 593.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 593.5 m 267.5 593.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 551.5 m 267.5 551.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 551.5 m 325.5 551.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 551.5 m 383.5 551.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 551.5 m 441.5 551.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 551.5 m 499.5 551.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 551.5 m 558.5 551.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 537.5 m 267.5 537.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 537.5 m 325.5 537.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 537.5 m 383.5 537.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 537.5 m 441.5 537.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 537.5 m 499.5 537.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 537.5 m 558.5 537.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 752.95 Td (Income from continuing operations by region) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 753.17 Td () Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 738.95 Td (North America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 738.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.75 738.95 Td (3,621) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 738.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 738.96 Td (4,113) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 738.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 738.96 Td (3,081) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 738.95 Td (\(12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 738.95 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 738.96 Td (33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 738.96 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 724.95 Td (EMEA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.75 724.95 Td (2,288) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 724.96 Td (2,034) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 724.96 Td (2,554) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 724.95 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.50 724.96 Td (\(20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 724.96 Td (\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 710.95 Td (Latin America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.75 710.95 Td (1,328) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 710.96 Td (1,345) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 710.96 Td (1,606) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 710.95 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 710.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.50 710.96 Td (\(16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 710.96 Td (\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 696.95 Td (Asia) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.75 696.95 Td (2,214) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 696.96 Td (2,042) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 696.96 Td (2,184) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.50 696.95 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 696.96 Td (\(7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 696.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 682.95 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 682.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.75 682.95 Td (9,451) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 682.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 682.96 Td (9,534) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 682.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 682.96 Td (9,425) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 682.95 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 682.95 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 682.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 682.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 667.96 Td (A) Tj ET Q q 0 0 0 rg BT 44.83 667.96 Td (verage loans by region) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 126.55 667.96 Td ( \(in billions of dollars\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.00 668.17 Td () Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 653.95 Td (North America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 653.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.50 653.95 Td (125) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 653.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 653.96 Td (111) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 653.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.50 653.96 Td (98) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 653.95 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 653.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 653.96 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 653.96 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 639.95 Td (EMEA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.00 639.95 Td (59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 639.96 Td (58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.50 639.96 Td (55) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.50 639.95 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 639.96 Td (5) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 625.95 Td (Latin America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.00 625.95 Td (39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 625.96 Td (40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.50 625.96 Td (38) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 625.95 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 625.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 625.96 Td (5) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 611.95 Td (Asia) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.00 611.95 Td (62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 611.96 Td (68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.50 611.96 Td (65) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 611.95 Td (\(9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 611.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 611.96 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 597.95 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 597.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.50 597.95 Td (285) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 597.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 597.96 Td (277) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 597.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 597.96 Td (256) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.50 597.95 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 597.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 597.96 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 597.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 583.96 Td (EOP) Tj ET Q q 0 0 0 rg BT 55.67 583.96 Td ( deposits by business ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 133.67 583.96 Td (\(in billions of dollars\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 569.96 Td (Treasury and trade solutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 569.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.50 569.95 Td (392) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 569.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 569.96 Td (380) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 569.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 569.96 Td (380) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.50 569.95 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 569.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 569.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 569.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 555.96 Td (All other ) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 73.49 555.96 Td (ICG) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 88.99 555.96 Td ( businesses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.50 555.95 Td (195) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 555.96 Td (175) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 555.96 Td (189) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 555.95 Td (11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 555.96 Td (\(7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 555.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 541.95 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 541.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.50 541.95 Td (587) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 541.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 541.96 Td (555) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 541.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 541.96 Td (569) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.50 541.95 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 541.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 541.96 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 541.96 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 508.40 Td (ICG Revenue DetailsExcluding CV) Tj ET Q q 0 0 0 rg BT 194.99 508.40 Td (A/DV) Tj ET Q q 0 0 0 rg BT 218.15 508.40 Td (A) Tj ET Q q 0 0 0 rg BT 224.82 508.40 Td ( and Gain/\(Loss\) on Loan Hedges) Tj ET Q 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 36.50 466.90 240.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 276.50 466.90 60.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 336.50 466.90 60.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 396.50 466.90 60.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 456.50 466.90 60.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 516.50 466.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 438.90 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 438.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 438.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 438.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 438.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 438.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 410.90 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 410.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 410.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 410.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 410.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 410.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 382.90 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 382.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 382.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 382.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 382.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 382.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 354.90 240.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 354.90 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 354.90 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 354.90 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 354.90 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 354.90 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 317.90 240.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 317.90 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 317.90 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 317.90 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 317.90 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 317.90 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 280.90 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 280.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 280.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 280.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 280.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 280.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 252.90 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 252.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 252.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 252.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 252.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 252.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 224.90 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 224.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 224.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 224.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 224.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 224.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 196.90 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 196.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 196.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 196.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 196.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 196.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 168.90 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 168.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 168.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 168.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 168.90 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 168.90 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 466.9 m 276.5 466.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 466.9 m 336.5 466.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 466.9 m 396.5 466.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 466.9 m 456.5 466.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 466.9 m 516.5 466.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 466.9 m 576.5 466.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 410.9 m 276.5 410.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 410.9 m 336.5 410.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 410.9 m 396.5 410.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 410.9 m 456.5 410.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 410.9 m 516.5 410.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 410.9 m 576.5 410.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 354.9 m 276.5 354.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 354.9 m 336.5 354.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 354.9 m 396.5 354.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 354.9 m 456.5 354.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 354.9 m 516.5 354.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 354.9 m 576.5 354.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 331.9 m 276.5 331.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 331.9 m 336.5 331.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 331.9 m 396.5 331.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 331.9 m 456.5 331.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 331.9 m 516.5 331.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 331.9 m 576.5 331.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 317.9 m 276.5 317.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 317.9 m 336.5 317.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 317.9 m 396.5 317.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 317.9 m 456.5 317.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 317.9 m 516.5 317.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 317.9 m 576.5 317.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 294.9 m 276.5 294.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 294.9 m 336.5 294.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 294.9 m 396.5 294.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 294.9 m 456.5 294.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 294.9 m 516.5 294.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 294.9 m 576.5 294.9 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 238.89999999999998 m 276.5 238.89999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 224.89999999999998 m 276.5 224.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 238.89999999999998 m 336.5 238.89999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 224.89999999999998 m 336.5 224.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 238.89999999999998 m 396.5 238.89999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 224.89999999999998 m 396.5 224.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 238.89999999999998 m 456.5 238.89999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 224.89999999999998 m 456.5 224.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 238.89999999999998 m 516.5 238.89999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 224.89999999999998 m 516.5 224.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 238.89999999999998 m 576.5 238.89999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 224.89999999999998 m 576.5 224.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 154.89999999999998 m 276.5 154.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 154.89999999999998 m 336.5 154.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 154.89999999999998 m 396.5 154.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 154.89999999999998 m 456.5 154.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 154.89999999999998 m 576.5 154.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 154.89999999999998 m 276.5 154.89999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 140.89999999999998 m 276.5 140.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 154.89999999999998 m 336.5 154.89999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 140.89999999999998 m 336.5 140.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 154.89999999999998 m 396.5 154.89999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 140.89999999999998 m 396.5 140.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 154.89999999999998 m 456.5 154.89999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 140.89999999999998 m 456.5 140.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 154.89999999999998 m 516.5 154.89999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 140.89999999999998 m 516.5 140.89999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 154.89999999999998 m 576.5 154.89999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 140.89999999999998 m 576.5 140.89999999999998 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 471.15 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.00 471.35 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 471.36 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 471.36 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.60 480.35 Td (% Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.45 471.35 Td (2015 vs. 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.35 480.36 Td (% Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.45 471.36 Td (2014 vs. 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 457.36 Td (Investment banking) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 110.24 457.36 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 112.49 457.36 Td (revenue details) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 443.36 Td (Advisory) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 443.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.75 443.35 Td (1,102) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 443.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 443.36 Td (949) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 443.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 443.36 Td (851) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 443.35 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 443.35 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 443.36 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 443.36 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 429.36 Td (Equity underwriting) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.50 429.35 Td (902) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 429.36 Td (1,246) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 429.36 Td (1,059) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 429.35 Td (\(28) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 429.35 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 429.36 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 415.36 Td (Debt underwriting) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.75 415.35 Td (2,539) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 415.36 Td (2,512) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 415.36 Td (2,504) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 415.35 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 415.36 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 401.36 Td (Total investment banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 401.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.75 401.35 Td (4,543) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 401.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 401.36 Td (4,707) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 401.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 401.36 Td (4,414) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.50 401.35 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 401.35 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 401.36 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 401.36 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 387.36 Td (Treasury and trade solutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.75 387.35 Td (7,767) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 387.36 Td (7,767) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 387.36 Td (7,720) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 387.35 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 387.36 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 373.36 Td (Corporate lendingexcluding gain \(loss\) on loan hedges) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 244.95 377.44 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.75 373.35 Td (1,694) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 373.36 Td (1,749) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 373.36 Td (1,518) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.50 373.35 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 373.35 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 373.36 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 359.36 Td (Private bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.75 359.35 Td (2,860) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 359.36 Td (2,660) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 359.36 Td (2,494) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 359.35 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 359.36 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 345.35 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 345.35 Td (otal banking r) Tj ET Q q 0 0 0 rg BT 98.53 345.35 Td (evenues \(ex-CV) Tj ET Q q 0 0 0 rg BT 157.10 345.35 Td (A/DV) Tj ET Q q 0 0 0 rg BT 177.94 345.35 Td (A) Tj ET Q q 0 0 0 rg BT 183.94 345.35 Td ( and gain \(loss\) on loan ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 336.35 Td ( hedges\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 336.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.25 336.35 Td (16,864) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 336.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 336.36 Td (16,883) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 336.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 336.36 Td (16,146) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 336.35 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 336.35 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 336.36 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 336.36 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 322.36 Td (Corporate lendinggain/\(loss\) on loan hedges) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 211.96 326.44 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 322.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.50 322.35 Td (323) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 322.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 322.36 Td (116) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 322.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 322.36 Td (\(287) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 322.36 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 322.35 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.45 322.36 Td (NM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 308.35 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 308.35 Td (otal banking r) Tj ET Q q 0 0 0 rg BT 98.53 308.35 Td (evenues \(ex-CV) Tj ET Q q 0 0 0 rg BT 157.10 308.35 Td (A/DV) Tj ET Q q 0 0 0 rg BT 177.94 308.35 Td (A) Tj ET Q q 0 0 0 rg BT 183.94 308.35 Td ( and including gain ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 299.35 Td ( \(loss\) on loan hedges\) ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 299.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.25 299.35 Td (17,187) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 299.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 299.36 Td (16,999) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 299.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 299.36 Td (15,859) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 299.35 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 299.35 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 299.36 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 299.36 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 285.36 Td (Fixed income markets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 285.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.25 285.35 Td (11,346) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 285.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 285.36 Td (12,148) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 285.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 285.36 Td (13,625) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.50 285.35 Td (\(7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 285.35 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 285.36 Td (\(11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 285.36 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 271.36 Td (Equity markets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.75 271.35 Td (3,128) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 271.36 Td (2,774) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 271.36 Td (2,815) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 271.35 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 271.36 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 271.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 257.36 Td (Securities services) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.75 257.35 Td (2,130) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 257.36 Td (2,048) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 257.36 Td (1,974) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 257.35 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 257.36 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 243.36 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.50 243.35 Td (\(312) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 243.35 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 243.36 Td (\(574) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.00 243.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 243.36 Td (\(606) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 243.36 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 243.35 Td (46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 243.36 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 229.35 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 229.35 Td (otal ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 60.92 229.35 Td (Markets and securities services) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.17 229.35 Td ( \(ex-CV) Tj ET Q q 0 0 0 rg BT 204.74 229.35 Td (A/DV) Tj ET Q q 0 0 0 rg BT 225.58 229.35 Td (A\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 229.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.25 229.35 Td (16,292) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 229.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 229.36 Td (16,396) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 229.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 229.36 Td (17,808) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.50 229.35 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 229.35 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 229.36 Td (\(8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 229.36 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 215.35 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 215.35 Td (otal ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 60.92 215.35 Td (ICG) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 76.93 215.35 Td ( \(ex-CV) Tj ET Q q 0 0 0 rg BT 105.51 215.35 Td (A/DV) Tj ET Q q 0 0 0 rg BT 126.35 215.35 Td (A\) ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 215.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.25 215.35 Td (33,479) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 215.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 215.36 Td (33,395) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 215.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 215.36 Td (33,667) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 215.35 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 215.35 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 215.36 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 215.36 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 201.36 Td (CV) Tj ET Q q 0 0 0 rg BT 50.34 201.36 Td (A/DV) Tj ET Q q 0 0 0 rg BT 71.18 201.36 Td (A) Tj ET Q q 0 0 0 rg BT 77.18 201.36 Td ( \(excluded as applicable in lines above\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 219.13 205.44 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.50 201.35 Td (269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 201.36 Td (\(343) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.00 201.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 201.36 Td (\(345) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 201.36 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 201.35 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 201.36 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 187.36 Td ( Fixed income markets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.50 187.35 Td (215) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 187.36 Td (\(359) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.00 187.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 187.36 Td (\(300) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 187.36 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 187.35 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 187.36 Td (\(20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 187.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 173.36 Td ( Equity markets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 173.35 Td (52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 173.36 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 173.36 Td (\(39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 173.36 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 173.35 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.45 173.36 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 159.36 Td ( Private bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.50 159.35 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 159.36 Td (\(8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.00 159.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 159.36 Td (\(6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 159.36 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 159.35 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 159.36 Td (\(33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 159.36 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 145.35 Td (Total revenues, net of interest expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 145.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.25 145.35 Td (33,748) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 145.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 145.36 Td (33,052) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 145.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 145.36 Td (33,322) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 145.35 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 145.35 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 145.36 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 145.36 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 122.20 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 122.20 Td (Hedges on accrual loans reflect the mark-to-market on credit derivatives used to economically hedge the corporate loan accrual portfolio. ) Tj ET Q q 0 0 0 rg BT 495.45 122.20 Td (The fixed premium costs ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 112.60 Td (of these hedges are netted against the corporate lending revenues to reflect the cost of credit protection.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 103.00 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 103.00 Td (Funding valuation adjustments \(FV) Tj ET Q q 0 0 0 rg BT 166.52 103.00 Td (A\) is included within CV) Tj ET Q q 0 0 0 rg BT 246.37 103.00 Td (A) Tj ET Q q 0 0 0 rg BT 251.71 103.00 Td ( for presentation purposes. For additional information, see Note ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 457.21 103.00 Td (25) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 465.21 103.00 Td ( to the Consolidated Financial ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 93.40 Td (Statements. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 83.80 Td (NM Not meaningful) Tj ET Q endstream endobj 55 0 obj <> endobj 56 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 15.60 Td (25) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 758.10 Td (The discussion of the r) Tj ET Q q 0 0 0 rg BT 126.19 758.10 Td (esults of operations for ICG below excludes the impact of CV) Tj ET Q q 0 0 0 rg BT 370.97 758.10 Td (A/DV) Tj ET Q q 0 0 0 rg BT 392.45 758.10 Td (A) Tj ET Q q 0 0 0 rg BT 398.37 758.10 Td ( for all periods pr) Tj ET Q q 0 0 0 rg BT 469.12 758.10 Td (esented. Pr) Tj ET Q q 0 0 0 rg BT 516.23 758.10 Td (esentations of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 746.10 Td (the r) Tj ET Q q 0 0 0 rg BT 54.24 746.10 Td (esults of operations, excluding the impact of CV) Tj ET Q q 0 0 0 rg BT 245.69 746.10 Td (A/DV) Tj ET Q q 0 0 0 rg BT 267.17 746.10 Td (A) Tj ET Q q 0 0 0 rg BT 273.09 746.10 Td ( and the impact of gains/\(losses\) on hedges on accrual loans, ar) Tj ET Q q 0 0 0 rg BT 528.81 746.10 Td (e non-) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 734.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 61.37 734.10 Td ( financial measur) Tj ET Q q 0 0 0 rg BT 130.99 734.10 Td (es. For a r) Tj ET Q q 0 0 0 rg BT 175.34 734.10 Td (econciliation of these metrics to the r) Tj ET Q q 0 0 0 rg BT 323.83 734.10 Td (eported r) Tj ET Q q 0 0 0 rg BT 360.39 734.10 Td (esults, see the table above.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 710.10 Td (2015 vs. 2014) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 698.10 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.26 698.10 Td ( decreased 4%, primarily driven by higher credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 686.10 Td (costs, partially of) Tj ET Q q 0 0 0 rg BT 104.97 686.10 Td (fset by lower expenses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 668.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 668.10 Td (Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.75 668.10 Td ( were lar) Tj ET Q q 0 0 0 rg BT 126.55 668.10 Td (gely unchanged, reflecting lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 656.10 Td (revenues in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 102.32 656.10 Td (Markets and securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.91 656.10 Td (services \(decrease of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 644.10 Td (1%\) and a modest increase in revenues in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 222.27 644.10 Td (Banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 632.10 Td (\(increase of 1%, but unchanged excluding the gains/) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 620.10 Td (\(losses\) on hedges on accrual loans\). Citi expects ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 608.10 Td (revenues in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 102.32 608.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.54 608.10 Td (, particularly in its ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 195.35 608.10 Td (Markets and securities ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 596.10 Td (services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.71 596.10 Td (businesses, will likely continue to reflect the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 584.10 Td (overall market environment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 560.10 Td (W) Tj ET Q q 0 0 0 rg BT 45.04 560.10 Td (ithin ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 65.87 560.10 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.20 560.10 Td (:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 542.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 542.10 Td (Investment banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.03 542.10 Td ( revenues decreased 3%, lar) Tj ET Q q 0 0 0 rg BT 243.18 542.10 Td (gely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 530.10 Td (reflecting an industry-wide activity decline in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 518.10 Td (underwriting activity) Tj ET Q q 0 0 0 rg BT 137.50 518.10 Td (. ) Tj ET Q q 0 0 0 rg BT 144.44 518.10 Td (Advisory revenues increased 16%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 506.10 Td (reflecting increased tar) Tj ET Q q 0 0 0 rg BT 145.43 506.10 Td (get client activity and strength in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 494.10 Td (the overall M&A) Tj ET Q q 0 0 0 rg BT 122.32 494.10 Td ( market.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 155.08 494.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 160.08 494.10 Td (Equity underwriting revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 482.10 Td (decreased 28% driven by the lower market activity and a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 470.10 Td (decline in wallet share resulting from continued share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 458.10 Td (fragmentation. Debt underwriting revenues increased 1%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 446.10 Td (driven by increased wallet share in investment grade debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 434.10 Td (and strong performance in investment grade loans in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 422.10 Td (second half of 2015, partially of) Tj ET Q q 0 0 0 rg BT 182.12 422.10 Td (fset by the lower market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 410.10 Td (activity and decreased wallet share in high-yield and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 398.10 Td (leveraged loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 386.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 386.10 Td (T) Tj ET Q q 0 0 0 rg BT 59.01 386.10 Td (r) Tj ET Q q 0 0 0 rg BT 62.53 386.10 Td (easury and trade solutions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.92 386.10 Td ( revenues were lar) Tj ET Q q 0 0 0 rg BT 241.75 386.10 Td (gely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 374.10 Td (unchanged. Excluding the impact of FX translation, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 362.10 Td (revenues increased 6%, as continued growth in deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 350.10 Td (balances across regions and improved spreads, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 338.10 Td (particularly in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 112.87 338.10 Td (North ) Tj ET Q q 0 0 0 rg BT 138.53 338.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.40 338.10 Td (, were partially of) Tj ET Q q 0 0 0 rg BT 243.30 338.10 Td (fset by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 326.10 Td (continued declines in trade balances and spreads. End-of-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 314.10 Td (period deposit balances increased 3% \(7% excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 302.10 Td (impact of FX translation\), lar) Tj ET Q q 0 0 0 rg BT 170.73 302.10 Td (gely driven by ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 231.00 302.10 Td (Asia) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.78 302.10 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 290.10 Td (Latin ) Tj ET Q q 0 0 0 rg BT 77.44 290.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.31 290.10 Td (. ) Tj ET Q q 0 0 0 rg BT 118.26 290.10 Td (A) Tj ET Q q 0 0 0 rg BT 124.74 290.10 Td (verage trade loans decreased 12% \(9% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 278.10 Td (excluding the impact of FX translation\), as the business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 266.10 Td (maintained origination volumes while reducing lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 254.10 Td (spread assets and increasing asset sales to optimize ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 242.10 Td (returns \(see Managing Global RiskLiquidity Risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 230.10 Td (below\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 218.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 218.10 Td (Corporate lending) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.17 218.10 Td ( revenues increased 8%. Excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 206.10 Td (impact of gains/\(losses\) on hedges on accrual loans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 194.10 Td (revenues decreased 3%. Excluding the impact of FX ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 182.10 Td (translation and gains/\(losses\) on hedges on accrual loans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 170.10 Td (revenues increased 3% as continued growth in average ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 158.10 Td (loan balances, lower hedge premium costs and an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 146.10 Td (improvement in mark-to-market adjustments were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 134.10 Td (partially of) Tj ET Q q 0 0 0 rg BT 97.97 134.10 Td (fset by lower spreads, particularly in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 246.53 134.10 Td (EMEA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.19 134.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 122.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 122.10 Td (Private bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.37 122.10 Td ( revenues increased 8%, reflecting strength in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 110.10 Td (North ) Tj ET Q q 0 0 0 rg BT 79.66 110.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.54 110.10 Td (, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 118.54 110.10 Td (Asia) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.31 110.10 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 155.75 110.10 Td (EMEA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.41 110.10 Td (, primarily due to growth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 98.10 Td (in loan volumes and deposit balances, improved spreads ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 86.10 Td (in banking and higher managed investments revenues, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 74.10 Td (partially of) Tj ET Q q 0 0 0 rg BT 97.97 74.10 Td (fset by continued spread compression in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 62.10 Td (lending.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 710.10 Td (W) Tj ET Q q 0 0 0 rg BT 333.04 710.10 Td (ithin ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 353.87 710.10 Td (Markets and securities services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.67 710.10 Td (: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 692.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 692.10 Td (Fixed income markets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.30 692.10 Td ( revenues decreased 7%, driven by ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 680.10 Td (North ) Tj ET Q q 0 0 0 rg BT 367.66 680.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.54 680.10 Td (, primarily due to a volatile trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 668.10 Td (environment during 2015 due to macroeconomic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 656.10 Td (uncertainty) Tj ET Q q 0 0 0 rg BT 386.33 656.10 Td (. ) Tj ET Q q 0 0 0 rg BT 393.65 656.10 Td (The decrease in fixed income markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 644.10 Td (revenues resulted from a decline in spread products ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 632.10 Td (revenues \(credit markets, securitized markets and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 620.10 Td (municipals\), partially of) Tj ET Q q 0 0 0 rg BT 438.18 620.10 Td (fset by strength in rates and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 608.10 Td (currencies. Rates and currencies revenues increased 4% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 596.10 Td (due to higher revenues in local markets and overall G10 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 584.10 Td (products, partially of) Tj ET Q q 0 0 0 rg BT 425.41 584.10 Td (fset by G10 foreign exchange. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 572.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 572.10 Td (Equity markets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.26 572.10 Td ( revenues increased 13%, primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 560.10 Td (reflecting improved performance across products, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 548.10 Td (including derivatives and prime finance, with strength in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 536.10 Td (Asia) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.78 536.10 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 379.22 536.10 Td (EMEA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.87 536.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 524.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 524.10 Td (Securities services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.64 524.10 Td (revenues increased 4%. Excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 512.10 Td (impact of FX translation, revenues increased 15%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 500.10 Td (reflecting increased client activity and higher client ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 488.10 Td (balances.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 464.10 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.21 464.10 Td ( decreased 2% as ef) Tj ET Q q 0 0 0 rg BT 457.87 464.10 Td (ficiency savings, the impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 452.10 Td (of FX translation and lower repositioning char) Tj ET Q q 0 0 0 rg BT 509.33 452.10 Td (ges were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 440.10 Td (partially of) Tj ET Q q 0 0 0 rg BT 367.97 440.10 Td (fset by increased regulatory and compliance costs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 428.10 Td (and compensation expense. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 416.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 344.50 416.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 354.13 416.10 Td (ovisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.91 416.10 Td ( increased $872 million to $929 million, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 404.10 Td (primarily reflecting a net loan loss reserve build \($722 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 392.10 Td (million\), compared to a net loan loss reserve release \($219 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 380.10 Td (million\) in 2014. ) Tj ET Q q 0 0 0 rg BT 396.32 380.10 Td (The net loan loss reserve build included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 368.10 Td (approximately $530 million for ener) Tj ET Q q 0 0 0 rg BT 469.34 368.10 Td (gy and ener) Tj ET Q q 0 0 0 rg BT 515.80 368.10 Td (gy-related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 356.10 Td (exposures, including $250 million in the fourth quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 344.10 Td (2015, due to the significant decline in commodity prices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 332.10 Td (during the second half of 2015. \(For additional information on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 320.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 320.10 Td (s ener) Tj ET Q q 0 0 0 rg BT 365.20 320.10 Td (gy and ener) Tj ET Q q 0 0 0 rg BT 411.67 320.10 Td (gy-related exposures, see Managing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 308.10 Td (Global RiskCredit RiskCorporate Credit below) Tj ET Q q 0 0 0 rg BT 536.10 308.10 Td (.\) ) Tj ET Q q 0 0 0 rg BT 546.75 308.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 296.10 Td (remainder of the build during 2015 was primarily due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 284.10 Td (volume growth and overall macroeconomic conditions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 272.10 Td (The higher net loan loss reserve build during 2015 was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 260.10 Td (partially of) Tj ET Q q 0 0 0 rg BT 367.97 260.10 Td (fset by lower net credit losses. Net credit losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 248.10 Td (decreased 25%, primarily due to the absence of net credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 236.10 Td (losses of approximately $165 million related to the Petrleos ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 224.10 Td (Mexicanos \(Pemex\) supplier program, which were incurred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 212.10 Td (during 2014 \(for additional information, see Citi) Tj ET Q q 0 0 0 rg BT 520.35 212.10 Td (s Form 8-K ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 200.10 Td (filed with the SEC on February 28, 2014\), partially of) Tj ET Q q 0 0 0 rg BT 539.06 200.10 Td (fset by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 188.10 Td (increased net credit losses related to a limited number of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 176.10 Td (ener) Tj ET Q q 0 0 0 rg BT 341.03 176.10 Td (gy and ener) Tj ET Q q 0 0 0 rg BT 387.49 176.10 Td (gy-related exposures, including approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 164.10 Td ($75 million in the fourth quarter of 2015. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 152.10 Td (Looking to 2016, cost of credit in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 478.65 152.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.87 152.10 Td ( will lar) Tj ET Q q 0 0 0 rg BT 526.79 152.10 Td (gely depend ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 140.10 Td (on the price of oil and other commodity prices as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 128.10 Td (macroeconomic conditions. ) Tj ET Q q 0 0 0 rg BT 439.34 128.10 Td (T) Tj ET Q q 0 0 0 rg BT 444.75 128.10 Td (o the extent commodity prices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 116.10 Td (remain at year) Tj ET Q q 0 0 0 rg BT 380.99 116.10 Td (-end 2015 levels, or deteriorate further) Tj ET Q q 0 0 0 rg BT 534.97 116.10 Td (, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 539.97 116.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.19 116.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 104.10 Td (expects to incur additional loan loss reserve builds in its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 92.10 Td (ener) Tj ET Q q 0 0 0 rg BT 341.03 92.10 Td (gy and ener) Tj ET Q q 0 0 0 rg BT 387.49 92.10 Td (gy-related portfolios, which could be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 80.10 Td (significant, and Citi) Tj ET Q q 0 0 0 rg BT 405.93 80.10 Td (s corporate non-accrual loans could be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 68.10 Td (negatively impacted. Such events as well as macroeconomic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 56.10 Td (conditions could also negatively impact Citi) Tj ET Q q 0 0 0 rg BT 503.14 56.10 Td (s other corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 44.10 Td (credit portfolios.) Tj ET Q endstream endobj 57 0 obj <> endobj 58 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 15.60 Td (26) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 758.25 Td (2014 vs. 2013) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 746.25 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.26 746.25 Td ( increased 1%, primarily driven by lower expenses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 734.25 Td (lar) Tj ET Q q 0 0 0 rg BT 46.37 734.25 Td (gely of) Tj ET Q q 0 0 0 rg BT 74.23 734.25 Td (fset by lower revenues. Excluding the impact of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 722.25 Td (net fraud loss of $360 million in Mexico in the fourth quarter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 710.25 Td (of 2013, net income decreased 1%, primarily driven by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 698.25 Td (lower revenues and higher expenses, lar) Tj ET Q q 0 0 0 rg BT 195.76 698.25 Td (gely of) Tj ET Q q 0 0 0 rg BT 223.62 698.25 Td (fset by lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 686.25 Td (credit costs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 668.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 668.25 Td (Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.75 668.25 Td ( decreased 1%, reflecting lower revenues in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 656.25 Td (Markets and securities services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.80 656.25 Td ( \(decrease of 8%\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 644.25 Td (partially of) Tj ET Q q 0 0 0 rg BT 97.97 644.25 Td (fset by higher revenues in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 203.77 644.25 Td (Banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.60 644.25 Td (\(increase of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 632.25 Td (7%, or 5% excluding the gains/\(losses\) on hedges on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 620.25 Td (accrual loans\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 596.25 Td (W) Tj ET Q q 0 0 0 rg BT 45.04 596.25 Td (ithin ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 65.87 596.25 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.20 596.25 Td (:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 578.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 578.25 Td (Investment banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.03 578.25 Td ( revenues increased 7%, reflecting a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 566.25 Td (stronger overall market environment and improved wallet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 554.25 Td (share with ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 97.88 554.25 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.10 554.25 Td () Tj ET Q q 0 0 0 rg BT 117.88 554.25 Td (s tar) Tj ET Q q 0 0 0 rg BT 134.63 554.25 Td (get clients, partially of) Tj ET Q q 0 0 0 rg BT 224.42 554.25 Td (fset by a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 542.25 Td (modest decline in overall wallet share. ) Tj ET Q q 0 0 0 rg BT 210.15 542.25 Td (The decline in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 530.25 Td (overall wallet share was primarily driven by equity and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 518.25 Td (debt underwriting and reflected market fragmentation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 506.25 Td (Advisory revenues increased 12%, reflecting the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 494.25 Td (increased tar) Tj ET Q q 0 0 0 rg BT 104.62 494.25 Td (get client activity and an expansion of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 482.25 Td (overall M&A) Tj ET Q q 0 0 0 rg BT 107.60 482.25 Td ( market.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 140.37 482.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 145.37 482.25 Td (Equity underwriting revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 470.25 Td (increased 18% lar) Tj ET Q q 0 0 0 rg BT 125.45 470.25 Td (gely in line with overall growth in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 458.25 Td (market fees. Debt underwriting revenues were lar) Tj ET Q q 0 0 0 rg BT 254.29 458.25 Td (gely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 446.25 Td (unchanged.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 434.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 434.25 Td (T) Tj ET Q q 0 0 0 rg BT 59.01 434.25 Td (r) Tj ET Q q 0 0 0 rg BT 62.53 434.25 Td (easury and trade solutions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.92 434.25 Td ( revenues increased 1%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 422.25 Td (Excluding the impact of FX translation, revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 410.25 Td (increased 3% as continued higher deposit balances, fee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 398.25 Td (growth and trade activity were partially of) Tj ET Q q 0 0 0 rg BT 222.64 398.25 Td (fset by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 386.25 Td (impact of spread compression globally) Tj ET Q q 0 0 0 rg BT 208.31 386.25 Td (. End-of-period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 374.25 Td (deposit balances were unchanged, but increased 3% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 362.25 Td (excluding the impact of FX translation, lar) Tj ET Q q 0 0 0 rg BT 224.05 362.25 Td (gely driven by ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 350.25 Td (North ) Tj ET Q q 0 0 0 rg BT 79.66 350.25 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.54 350.25 Td (. ) Tj ET Q q 0 0 0 rg BT 120.48 350.25 Td (A) Tj ET Q q 0 0 0 rg BT 126.96 350.25 Td (verage trade loans decreased 9% \(7% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 338.25 Td (excluding the impact of FX translation\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 326.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 326.25 Td (Corporate lending) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.17 326.25 Td ( revenues increased 52%. Excluding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 314.25 Td (the impact of gains/\(losses\) on hedges on accrual loans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 302.25 Td (revenues increased 15%, primarily due to continued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 290.25 Td (growth in average loan balances and lower funding costs. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 278.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 278.25 Td (Private bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.37 278.25 Td ( revenues increased 7% due to growth in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 266.25 Td (client business volumes and improved spreads in banking, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 254.25 Td (higher capital markets activity and an increase in assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 242.25 Td (under management in managed investments, partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 230.25 Td (of) Tj ET Q q 0 0 0 rg BT 62.15 230.25 Td (fset by continued spread compression in lending.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 206.25 Td (W) Tj ET Q q 0 0 0 rg BT 45.04 206.25 Td (ithin ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 65.87 206.25 Td (Markets and securities services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.67 206.25 Td (:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 188.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 188.25 Td (Fixed income markets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.30 188.25 Td ( revenues decreased 1) Tj ET Q q 0 0 0 rg BT 229.38 188.25 Td (1%, driven by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 176.25 Td (a decrease in rates and currencies revenues, partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 164.25 Td (of) Tj ET Q q 0 0 0 rg BT 62.15 164.25 Td (fset by increased securitized products and commodities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 152.25 Td (revenues. Rates and currencies revenues declined due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 140.25 Td (historically muted levels of volatility) Tj ET Q q 0 0 0 rg BT 201.10 140.25 Td (, uncertainties around ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 128.25 Td (Russia and Greece and lower client activity in the first ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 116.25 Td (half of 2014. In addition, the first half of 2013 included a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 104.25 Td (strong performance in rates and currencies, driven in part ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 92.25 Td (by the impact of quantitative easing globally) Tj ET Q q 0 0 0 rg BT 231.64 92.25 Td (. Municipals ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 80.25 Td (and credit markets revenues declined due to challenging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 68.25 Td (trading conditions resulting from macroeconomic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 56.25 Td (uncertainties, particularly in the fourth quarter of 2014. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 44.25 Td (These declines were partially of) Tj ET Q q 0 0 0 rg BT 181.54 44.25 Td (fset by increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 758.10 Td (securitized products and commodities revenues, lar) Tj ET Q q 0 0 0 rg BT 546.75 758.10 Td (gely in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 746.10 Td (North ) Tj ET Q q 0 0 0 rg BT 367.66 746.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.54 746.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 734.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 734.10 Td (Equity markets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.26 734.10 Td ( revenues decreased 1%, primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 722.10 Td (reflecting weakness in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 433.91 722.10 Td (EMEA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.56 722.10 Td (, particularly cash equities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 710.10 Td (driven by volatility in Europe, lar) Tj ET Q q 0 0 0 rg BT 475.68 710.10 Td (gely of) Tj ET Q q 0 0 0 rg BT 503.54 710.10 Td (fset by improved ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 698.10 Td (performance in prime finance due to increased customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 686.10 Td (flows.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 674.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 674.10 Td (Securities services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.64 674.10 Td (revenues increased 4%. Excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 662.10 Td (impact of FX translation, revenues increased 5% due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 650.10 Td (increased volumes, assets under custody and overall client ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 638.10 Td (activity) Tj ET Q q 0 0 0 rg BT 371.34 638.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 614.10 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.21 614.10 Td ( decreased 1% as ef) Tj ET Q q 0 0 0 rg BT 457.87 614.10 Td (ficiency savings, the absence ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 602.10 Td (of the net fraud loss and lower performance-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 590.10 Td (compensation were partially of) Tj ET Q q 0 0 0 rg BT 447.94 590.10 Td (fset by higher repositioning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 578.10 Td (char) Tj ET Q q 0 0 0 rg BT 341.03 578.10 Td (ges and legal and related expenses as well as increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 566.10 Td (regulatory and compliance costs. Excluding the impact of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 554.10 Td (net fraud loss, expenses increased 1%, as higher repositioning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 542.10 Td (char) Tj ET Q q 0 0 0 rg BT 341.03 542.10 Td (ges and legal and related expenses as well as increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 530.10 Td (regulatory and compliance costs were partially of) Tj ET Q q 0 0 0 rg BT 521.52 530.10 Td (fset by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 518.10 Td (ef) Tj ET Q q 0 0 0 rg BT 331.59 518.10 Td (ficiency savings and lower performance-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 506.10 Td (compensation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 494.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 344.50 494.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 354.13 494.10 Td (ovisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.91 494.10 Td ( decreased 27%, primarily reflecting a release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 482.10 Td (for unfunded lending commitments in the corporate loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 470.10 Td (portfolio, compared to a build in 2013, partially of) Tj ET Q q 0 0 0 rg BT 525.44 470.10 Td (fset by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 458.10 Td (higher net credit losses and a lower loan loss reserve release ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 446.10 Td (driven by the overall economic environment. Net credit losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 434.10 Td (increased 52%, lar) Tj ET Q q 0 0 0 rg BT 397.95 434.10 Td (gely related to the Pemex supplier program ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 422.10 Td (during 2014 as well as write-of) Tj ET Q q 0 0 0 rg BT 448.51 422.10 Td (fs related to a specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 410.10 Td (counterparty) Tj ET Q q 0 0 0 rg BT 373.88 410.10 Td (. ) Tj ET Q endstream endobj 59 0 obj <> endobj 60 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (27) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (CORPORA) Tj ET Q q 0 0 0 rg BT 95.77 747.90 Td (TE/OTHER) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 727.90 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.78 727.90 Td ( includes certain unallocated costs of global staf) Tj ET Q q 0 0 0 rg BT 295.48 727.90 Td (f functions \(including finance, risk, human resources, legal and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 715.90 Td (compliance\), other corporate expenses and unallocated global operations and technology expenses, Corporate ) Tj ET Q q 0 0 0 rg BT 476.77 715.90 Td (T) Tj ET Q q 0 0 0 rg BT 482.53 715.90 Td (reasury and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 703.90 Td (discontinued operations. ) Tj ET Q q 0 0 0 rg BT 138.21 703.90 Td (At December 31, 2015, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 234.29 703.90 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.07 703.90 Td ( had $52 billion of assets, or 3% of Citigroup) Tj ET Q q 0 0 0 rg BT 485.38 703.90 Td (s total assets. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 691.90 Td (additional information, see Managing Global RiskLiquidity Risk below) Tj ET Q q 0 0 0 rg BT 340.30 691.90 Td (.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 658.40 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 658.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 658.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 658.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 658.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 658.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 630.40 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 630.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 630.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 630.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 630.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 630.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 602.40 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 602.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 602.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 602.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 602.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 602.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 574.40 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 574.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 574.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 574.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 574.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 574.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 546.40 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 546.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 546.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 546.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 546.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 546.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 511.40 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 511.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 511.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 511.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 511.40 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 511.40 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 658.4 m 275.5 658.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 658.4 m 515.5 658.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 658.4 m 335.5 658.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 658.4 m 395.5 658.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 658.4 m 455.5 658.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 658.4 m 575.5 658.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 630.4 m 275.5 630.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 630.4 m 335.5 630.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 630.4 m 395.5 630.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 630.4 m 455.5 630.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 630.4 m 575.5 630.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 616.4 m 275.5 616.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 630.4 m 335.5 630.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 616.4 m 335.5 616.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 630.4 m 395.5 630.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 616.4 m 395.5 616.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 630.4 m 455.5 630.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 616.4 m 455.5 616.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 630.4 m 515.5 630.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 616.4 m 515.5 616.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 630.4 m 575.5 630.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 616.4 m 575.5 616.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 588.4 m 275.5 588.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 588.4 m 335.5 588.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 588.4 m 395.5 588.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 588.4 m 455.5 588.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 588.4 m 575.5 588.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 588.4 m 515.5 588.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 560.4 m 275.5 560.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 560.4 m 335.5 560.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 560.4 m 395.5 560.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 560.4 m 455.5 560.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 560.4 m 575.5 560.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 560.4 m 335.5 560.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 560.4 m 395.5 560.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 560.4 m 455.5 560.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 560.4 m 515.5 560.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 560.4 m 575.5 560.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 532.4 m 275.5 532.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 532.4 m 335.5 532.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 532.4 m 395.5 532.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 532.4 m 455.5 532.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 532.4 m 515.5 532.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 532.4 m 575.5 532.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 497.4 m 275.5 497.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 497.4 m 335.5 497.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 497.4 m 395.5 497.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 497.4 m 455.5 497.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 497.4 m 575.5 497.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 483.4 m 275.5 483.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 483.4 m 335.5 483.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 483.4 m 395.5 483.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 483.4 m 455.5 483.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 497.4 m 515.5 497.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 483.4 m 515.5 483.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 483.4 m 575.5 483.4 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 662.65 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.00 662.85 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.00 662.86 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.00 662.86 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.60 671.85 Td (% Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.45 662.85 Td (2015 vs. 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.35 671.86 Td (% Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.45 662.86 Td (2014 vs. 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 648.86 Td (Net interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.00 648.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 648.85 Td (\(154) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 648.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 648.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.50 648.86 Td (\(224) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 648.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.00 648.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.50 648.86 Td (\(610) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 648.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 648.85 Td (31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 648.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 648.86 Td (63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 648.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 634.86 Td (Non-interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.75 634.85 Td (1,061) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.50 634.86 Td (525) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 634.86 Td (932) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 634.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 634.86 Td (\(44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 634.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 620.85 Td (Total revenues, net of interest expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.00 620.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.50 620.85 Td (907) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 620.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.50 620.86 Td (301) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.00 620.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 620.86 Td (322) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 620.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 620.86 Td (\(7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 620.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 606.86 Td (Total operating expenses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.00 606.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.75 606.85 Td (1,751) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 606.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.75 606.86 Td (6,020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.00 606.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.75 606.86 Td (1,052) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 606.85 Td (\(71) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 606.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.45 606.86 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 592.86 Td (Provisions for loan losses and for benefits and claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.00 592.85 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 592.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 443.00 592.86 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 592.85 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 592.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 578.86 Td (Loss from continuing operations before taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.00 578.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 578.85 Td (\(844) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 578.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 578.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.75 578.86 Td (\(5,719) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 578.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.00 578.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.50 578.86 Td (\(730) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 578.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 578.85 Td (85) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 578.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.45 578.86 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 564.86 Td (Income taxes \(benefits\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 564.85 Td (\(1,339) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 564.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.50 564.86 Td (\(344) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 564.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.50 564.86 Td (\(216) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 564.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 564.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 564.86 Td (\(59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 564.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 550.85 Td (Income \(loss\) from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.00 550.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.50 550.85 Td (495) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 550.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.75 550.86 Td (\(5,375) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 550.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.00 550.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.50 550.86 Td (\(514) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 550.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 550.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.45 550.86 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 536.86 Td (Income \(loss\) from discontinued operations, net of taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 536.85 Td (\(54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 536.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.50 536.86 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 536.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 536.86 Td (270) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 536.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.45 536.86 Td (NM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 523.80 Td (Net income \(loss\) before attribution of noncontrolling) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 514.80 Td (interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.00 515.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.50 515.85 Td (441) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 515.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.75 515.86 Td (\(5,377) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 515.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.00 515.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.50 515.86 Td (\(244) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 515.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 515.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.45 515.86 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 501.86 Td (Noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.00 501.85 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 501.86 Td (43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 443.00 501.86 Td (87) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 501.85 Td (\(58) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 501.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 501.86 Td (\(51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 501.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 487.85 Td (Net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.00 487.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.50 487.85 Td (423) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 487.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.75 487.86 Td (\(5,420) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 487.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.00 487.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.50 487.86 Td (\(331) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 487.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 487.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.45 487.86 Td (NM) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 466.30 Td (NM Not meaningful) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 442.30 Td (2015 vs. 2014) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 92.39 442.30 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 430.30 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.26 430.30 Td ( was $423 million, compared to a net loss of $5.4 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.30 Td (billion in 2014, lar) Tj ET Q q 0 0 0 rg BT 110.26 418.30 Td (gely reflecting significantly lower expenses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.30 Td (an increased tax benefit due to legal entity restructurings and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.30 Td (resolution of certain state and local audits in the second ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.30 Td (quarter of 2015, as well as higher revenues.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 370.30 Td (Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.75 370.30 Td ( increased $606 million to $907 million, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.30 Td (primarily due to gains on debt buybacks during the course of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.30 Td (2015 and real estate sales in the second quarter of 2015 as well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.30 Td (as higher revenues from sales of ) Tj ET Q q 0 0 0 rg BT 167.07 334.30 Td (AFS securities, partially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.30 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 322.30 Td (fset by hedging activities.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 310.30 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.21 310.30 Td ( decreased $4.3 billion to $1.8 billion, lar) Tj ET Q q 0 0 0 rg BT 255.99 310.30 Td (gely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.30 Td (driven by lower legal and related expenses \($796 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.30 Td (compared to $4.4 billion in 2014\), a benefit from FX ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.30 Td (translation and lower repositioning char) Tj ET Q q 0 0 0 rg BT 195.22 274.30 Td (ges.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 262.30 Td (During the fourth quarter of 2015, a change was enacted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.30 Td (to the dividend rate Citi is entitled to receive on the shares of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.30 Td (capital stock it is required to hold in the Federal Reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.30 Td (System. Pursuant to current requirements, Citibank, N.A. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.30 Td (\(Citibank\) is required to purchase stock equal to 3% of its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.30 Td (capital stock and surplus \(with an additional 3% subject to call ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.30 Td (by the Federal Reserve Board\). ) Tj ET Q q 0 0 0 rg BT 165.13 190.30 Td (As a result of the recent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.30 Td (change, ef) Tj ET Q q 0 0 0 rg BT 76.90 178.30 Td (fective January 1, 2016, the statutory dividend Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.30 Td (is to receive on these shares will decrease from a fixed 6% to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.30 Td (the lesser of \(i\) the high-yield rate paid on the 10-year U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.30 Td (T) Tj ET Q q 0 0 0 rg BT 41.76 142.30 Td (reasury note based on the auction immediately preceding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.30 Td (dividend payment, and \(ii\) 6%. ) Tj ET Q q 0 0 0 rg BT 165.23 130.30 Td (While the actual impact to ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 118.30 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.78 118.30 Td ( revenues \(where Citi records this dividend\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.30 Td (will be based on the number of shares of Federal Reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.30 Td (System capital stock it holds at any given time as well as the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 82.30 Td (quarter) Tj ET Q q 0 0 0 rg BT 64.12 82.30 Td (-to-quarter operational activities impacting the result of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.30 Td (operations of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 90.99 70.30 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.76 70.30 Td (, based on year) Tj ET Q q 0 0 0 rg BT 218.54 70.30 Td (-end amounts, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.30 Td (Citi estimates this change could negatively impact revenues in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 430.30 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.78 430.30 Td ( by approximately $160 million annually ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 418.30 Td (going forward.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 394.30 Td (2014 vs. 2013 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 382.30 Td (The ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.05 382.30 Td (net loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.33 382.30 Td ( increased $5.1 billion to $5.4 billion, primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 370.30 Td (due to higher legal and related expenses.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 358.30 Td (Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.75 358.30 Td ( decreased 7%, primarily driven by lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 346.30 Td (revenues from sales of ) Tj ET Q q 0 0 0 rg BT 416.19 346.30 Td (AFS securities as well as hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 334.30 Td (activities.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 322.30 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.21 322.30 Td ( increased $5.0 billion to $6.0 billion, lar) Tj ET Q q 0 0 0 rg BT 542.33 322.30 Td (gely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 310.30 Td (driven by the higher legal and related expenses \($4.4 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 298.30 Td (compared to $172 million in 2013\) as well as increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 286.30 Td (regulatory and compliance costs and higher repositioning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 274.30 Td (char) Tj ET Q q 0 0 0 rg BT 341.03 274.30 Td (ges.) Tj ET Q endstream endobj 61 0 obj <> endobj 62 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (28) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (CITI HOLDINGS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 727.90 Td (Citi Holdings contains the remaining businesses and portfolios of assets that Citigroup has determined are not central to its core ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 715.90 Td (Citicorp businesses. Consistent with this determination, beginning in the first quarter of 2016, Citi) Tj ET Q q 0 0 0 rg BT 431.51 715.90 Td (s consumer businesses in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 703.90 Td (Ar) Tj ET Q q 0 0 0 rg BT 46.37 703.90 Td (gentina, Brazil and Colombia will be reported as part of Citi Holdings \(for additional information, see Citigroup Segments and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 691.90 Td (Citicorp above\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 679.90 Td (As of December 31, 2015, Citi Holdings assets were approximately $74billion, a decrease of 43% year) Tj ET Q q 0 0 0 rg BT 467.85 679.90 Td (-over) Tj ET Q q 0 0 0 rg BT 488.75 679.90 Td (-year and 33% from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 667.90 Td (September 30, 2015. ) Tj ET Q q 0 0 0 rg BT 121.08 667.90 Td (The decline in assets of $36billion from September 30, 2015 primarily consisted of divestitures and run-of) Tj ET Q q 0 0 0 rg BT 548.87 667.90 Td (f, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 655.90 Td (including, among others, completion of the sales of Citi) Tj ET Q q 0 0 0 rg BT 261.52 655.90 Td (s retail banking and credit cards businesses in Japan and OneMain Financial. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 643.90 Td (As of December 31, 2015, Citi had signed agreements to reduce Citi Holdings GAAP) Tj ET Q q 0 0 0 rg BT 378.07 643.90 Td ( assets by an additional $7 billion in 2016, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 631.90 Td (subject to regulatory approvals and other closing conditions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 619.90 Td (Also as of December 31, 2015, consumer assets in Citi Holdings were approximately $64billion, or approximately 86% of Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 607.90 Td (Holdings assets. Of the consumer assets, approximately $38billion, or 59%, consisted of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 397.05 607.90 Td (North ) Tj ET Q q 0 0 0 rg BT 422.71 607.90 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.59 607.90 Td ( mortgages \(residential first ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 595.90 Td (mortgages and home equity loans\). ) Tj ET Q q 0 0 0 rg BT 180.69 595.90 Td (As of December31, 2015, Citi Holdings represented approximately 4% of Citi) Tj ET Q q 0 0 0 rg BT 498.68 595.90 Td (s GAAP) Tj ET Q q 0 0 0 rg BT 531.93 595.90 Td ( assets and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 583.90 Td (1) Tj ET Q q 0 0 0 rg BT 40.63 583.90 Td (1% of its risk-weighted assets under Basel III \(based on the ) Tj ET Q q 0 0 0 rg BT 280.29 583.90 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 322.78 583.90 Td (Approaches for determining risk-weighted assets\). ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 543.40 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 543.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 543.40 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 543.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 543.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 543.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 515.40 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 515.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 515.40 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 515.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 515.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 515.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 487.40 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 487.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 487.40 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 487.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 487.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 487.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 459.40 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 459.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 459.40 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 459.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 459.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 459.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 431.40 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 431.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 431.40 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 431.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 431.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 431.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 403.40 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 403.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 403.40 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 403.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 403.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 403.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 375.40 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 375.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 375.40 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 375.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 375.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 375.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 347.40 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 347.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 347.40 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 347.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 347.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 347.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 319.40 230.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 319.40 58.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 319.40 57.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 319.40 58.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 319.40 58.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 319.40 58.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 283.40 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 283.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 283.40 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 283.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 283.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 283.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 255.40 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 255.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 255.40 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 255.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 255.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 255.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 227.40 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 227.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 227.40 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 227.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 227.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 227.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 199.40 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 199.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 199.40 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 199.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 199.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 199.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 171.40 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 171.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 171.40 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 171.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 171.40 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 171.40 58.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 543.4 m 266.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 543.4 m 324.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 543.4 m 381.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 543.4 m 439.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 543.4 m 497.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 543.4 m 555.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 543.4 m 324.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 543.4 m 381.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 543.4 m 439.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 543.4 m 497.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 543.4 m 555.5 543.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 515.4 m 266.5 515.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 515.4 m 324.5 515.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 515.4 m 381.5 515.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 515.4 m 439.5 515.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 515.4 m 497.5 515.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 515.4 m 555.5 515.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 501.4 m 266.5 501.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 515.4 m 324.5 515.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 501.4 m 324.5 501.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 515.4 m 381.5 515.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 501.4 m 381.5 501.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 515.4 m 439.5 515.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 501.4 m 439.5 501.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 501.4 m 497.5 501.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 515.4 m 555.5 515.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 501.4 m 555.5 501.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 459.4 m 266.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 459.4 m 324.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 459.4 m 381.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 459.4 m 439.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 459.4 m 555.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 459.4 m 497.5 459.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 417.4 m 266.5 417.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 417.4 m 324.5 417.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 417.4 m 381.5 417.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 417.4 m 439.5 417.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 417.4 m 497.5 417.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 417.4 m 555.5 417.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 403.4 m 266.5 403.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 403.4 m 324.5 403.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 403.4 m 381.5 403.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 403.4 m 439.5 403.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 417.4 m 497.5 417.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 403.4 m 497.5 403.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 403.4 m 555.5 403.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 389.4 m 266.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 389.4 m 324.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 389.4 m 381.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 389.4 m 439.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 403.4 m 497.5 403.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 389.4 m 497.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 389.4 m 555.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 389.4 m 497.5 389.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 361.4 m 266.5 361.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 361.4 m 324.5 361.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 361.4 m 381.5 361.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 361.4 m 439.5 361.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 361.4 m 497.5 361.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 361.4 m 555.5 361.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 347.4 m 266.5 347.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 361.4 m 324.5 361.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 347.4 m 324.5 347.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 361.4 m 381.5 361.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 347.4 m 381.5 347.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 361.4 m 439.5 361.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 347.4 m 439.5 347.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 347.4 m 497.5 347.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 361.4 m 555.5 361.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 347.4 m 555.5 347.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 333.4 m 266.5 333.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 333.4 m 324.5 333.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 333.4 m 381.5 333.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 333.4 m 439.5 333.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 347.4 m 497.5 347.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 333.4 m 497.5 333.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 333.4 m 555.5 333.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 319.4 m 266.5 319.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 319.4 m 324.5 319.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 319.4 m 381.5 319.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 319.4 m 439.5 319.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 333.4 m 497.5 333.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 319.4 m 497.5 319.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 319.4 m 555.5 319.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 269.4 m 266.5 269.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 269.4 m 324.5 269.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 269.4 m 381.5 269.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 269.4 m 439.5 269.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 269.4 m 497.5 269.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 269.4 m 555.5 269.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 269.4 m 266.5 269.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 255.39999999999998 m 266.5 255.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 269.4 m 324.5 269.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 255.39999999999998 m 324.5 255.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 269.4 m 381.5 269.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 255.39999999999998 m 381.5 255.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 269.4 m 439.5 269.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 255.39999999999998 m 439.5 255.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 269.4 m 497.5 269.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 255.39999999999998 m 497.5 255.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 269.4 m 555.5 269.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 255.39999999999998 m 555.5 255.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 157.39999999999998 m 266.5 157.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 157.39999999999998 m 324.5 157.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 157.39999999999998 m 381.5 157.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 157.39999999999998 m 439.5 157.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 157.39999999999998 m 497.5 157.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 157.39999999999998 m 555.5 157.39999999999998 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.60 564.80 Td (% Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.60 555.80 Td (2015 vs.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.00 546.80 Td (2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 547.65 Td (In millions of dollars, except as otherwise noted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.00 547.85 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.50 547.86 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.00 547.86 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.35 564.66 Td (% Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.60 555.66 Td (2014 vs.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 546.66 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 533.86 Td (Net interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 533.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.75 533.85 Td (3,704) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 533.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.25 533.86 Td (4,591) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 533.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.25 533.86 Td (4,348) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 533.85 Td (\(19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 533.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 533.86 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 533.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 519.86 Td (Non-interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.75 519.85 Td (4,133) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.25 519.86 Td (3,258) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.25 519.86 Td (2,427) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 519.85 Td (27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.50 519.86 Td (34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 505.85 Td (Total revenues, net of interest expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 505.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.75 505.85 Td (7,837) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 505.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.25 505.86 Td (7,849) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 505.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.25 505.86 Td (6,775) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 505.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.00 505.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.50 505.86 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 505.86 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 491.85 Td (Provisions for credit losses and for benefits and claims) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 477.86 Td (Net credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 477.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.75 477.85 Td (1,066) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 477.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.25 477.86 Td (1,837) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 477.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.25 477.86 Td (3,264) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 477.85 Td (\(42) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 477.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 477.86 Td (\(44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 477.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 463.86 Td (Credit reserve release) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.50 463.85 Td (\(503) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.00 463.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.00 463.86 Td (\(907) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.50 463.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.25 463.86 Td (\(2,048) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 463.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 463.85 Td (45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.50 463.86 Td (56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 449.86 Td (Provision for loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 449.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.50 449.85 Td (563) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 449.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 449.86 Td (930) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 449.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.25 449.86 Td (1,216) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 449.85 Td (\(39) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 449.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 449.86 Td (\(24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 449.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 435.86 Td (Provision for benefits and claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.50 435.85 Td (624) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 435.86 Td (657) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 435.86 Td (663) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.50 435.85 Td (\(5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 435.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 435.86 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 435.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 421.86 Td (Release for unfunded lending commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.00 421.85 Td (\(26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.00 421.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 421.86 Td (\(10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.50 421.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.50 421.86 Td (\(10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 421.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 421.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.50 421.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 407.86 Td (Total provisions for credit losses and for benefits and claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 407.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.75 407.85 Td (1,161) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 407.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.25 407.86 Td (1,577) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 407.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.25 407.86 Td (1,869) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 407.85 Td (\(26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 407.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 407.86 Td (\(16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 407.86 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 393.85 Td (Total operating expenses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 393.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.75 393.85 Td (4,615) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 393.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.25 393.86 Td (9,689) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 393.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.25 393.86 Td (7,910) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 393.85 Td (\(52) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 393.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.50 393.86 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 393.86 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 379.85 Td (Income \(loss\) from continuing operations before taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 379.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.75 379.85 Td (2,061) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 379.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.25 379.86 Td (\(3,417) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.50 379.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 379.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.25 379.86 Td (\(3,004) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 379.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 379.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 379.86 Td (\(14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 379.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 365.86 Td (Income taxes \(benefits\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.75 365.85 Td (1,003) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.50 365.86 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.25 365.86 Td (\(1,133) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 365.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 365.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.45 365.86 Td (NM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 351.85 Td (Income \(loss\) from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 351.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.75 351.85 Td (1,058) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 351.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.25 351.86 Td (\(3,474) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.50 351.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 351.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.25 351.86 Td (\(1,871) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 351.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 351.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 351.86 Td (\(86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 351.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 337.86 Td (Noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 337.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 337.85 Td (11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 337.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.00 337.86 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 337.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.50 337.86 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 337.85 Td (83) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.00 337.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 337.86 Td (\(63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 337.86 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 323.85 Td (Net income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 323.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.75 323.85 Td (1,047) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 323.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.25 323.86 Td (\(3,480) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.50 323.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 323.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.25 323.86 Td (\(1,887) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 323.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 323.85 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 323.86 Td (\(84) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 323.86 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 310.80 Td (Total revenues, net of interest expense \(excluding CVA/) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 301.80 Td (DVA\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 287.86 Td (Total revenuesas reported) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 287.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.75 287.85 Td (7,837) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 287.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.25 287.86 Td (7,849) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 287.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.25 287.86 Td (6,775) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 287.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.00 287.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.50 287.86 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 287.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 273.86 Td ( CV) Tj ET Q q 0 0 0 rg BT 61.59 273.86 Td (A/DV) Tj ET Q q 0 0 0 rg BT 82.43 273.86 Td (A) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 88.93 277.94 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.00 273.85 Td (\(15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.00 273.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 273.86 Td (\(47) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.50 273.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.00 273.86 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 273.85 Td (68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.45 273.86 Td (NM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 259.85 Td (Total revenues-excluding CVA/DVA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 259.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.75 259.85 Td (7,852) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 259.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.25 259.86 Td (7,896) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 259.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.25 259.86 Td (6,772) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.50 259.85 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 259.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.50 259.86 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 259.86 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 245.85 Td (Balance sheet data ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 112.74 245.85 Td (\(in billions of dollars\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 231.85 Td (Average assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 231.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.50 231.85 Td (112) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 231.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 231.86 Td (144) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 231.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 231.86 Td (173) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 231.85 Td (\(22) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 231.85 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 231.86 Td (\(17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 231.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 217.86 Td (Return on average assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.25 217.85 Td (0.93) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.00 217.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.75 217.86 Td (\(2.42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.50 217.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.75 217.86 Td (\(1.09) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 217.86 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 203.86 Td (Efficiency ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 203.85 Td (59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 203.86 Td (123) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 203.86 Td (117) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 189.86 Td (Total EOP assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 189.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 189.85 Td (74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 189.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 189.86 Td (129) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 189.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 189.86 Td (154) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 189.85 Td (\(43) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 189.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 189.86 Td (\(16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 189.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 175.86 Td (Total EOP loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 175.85 Td (45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.50 175.86 Td (79) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 175.86 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 175.85 Td (\(43) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 175.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 175.86 Td (\(21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 175.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 161.86 Td (Total EOP deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.50 161.85 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.50 161.86 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.50 161.86 Td (69) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 161.85 Td (\(59) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 161.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 161.86 Td (\(75) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 161.86 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 138.70 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 138.70 Td (FV) Tj ET Q q 0 0 0 rg BT 63.20 138.70 Td (A) Tj ET Q q 0 0 0 rg BT 68.53 138.70 Td ( is included within CV) Tj ET Q q 0 0 0 rg BT 139.94 138.70 Td (A) Tj ET Q q 0 0 0 rg BT 145.28 138.70 Td ( for presentation purposes. For additional information, see Note ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 350.79 138.70 Td (25) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 358.79 138.70 Td ( to the Consolidated Financial Statements. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 129.10 Td (NM Not meaningful) Tj ET Q endstream endobj 63 0 obj <> endobj 64 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (29) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (The discussion of the r) Tj ET Q q 0 0 0 rg BT 126.19 749.10 Td (esults of operations for Citi Holdings below excludes the impact of CV) Tj ET Q q 0 0 0 rg BT 407.92 749.10 Td (A/DV) Tj ET Q q 0 0 0 rg BT 429.40 749.10 Td (A) Tj ET Q q 0 0 0 rg BT 435.33 749.10 Td ( for all periods pr) Tj ET Q q 0 0 0 rg BT 506.07 749.10 Td (esented. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 45.63 737.10 Td (esentations of the r) Tj ET Q q 0 0 0 rg BT 121.64 737.10 Td (esults of operations, excluding the impact of CV) Tj ET Q q 0 0 0 rg BT 313.09 737.10 Td (A/DV) Tj ET Q q 0 0 0 rg BT 334.57 737.10 Td (A, ar) Tj ET Q q 0 0 0 rg BT 354.20 737.10 Td (e non-GAAP) Tj ET Q q 0 0 0 rg BT 404.83 737.10 Td ( financial measur) Tj ET Q q 0 0 0 rg BT 474.46 737.10 Td (es. Citi believes the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (pr) Tj ET Q q 0 0 0 rg BT 44.52 725.10 Td (esentation of Citi Holdings) Tj ET Q q 0 0 0 rg BT 154.80 725.10 Td ( r) Tj ET Q q 0 0 0 rg BT 160.82 725.10 Td (esults excluding the impact of CV) Tj ET Q q 0 0 0 rg BT 294.22 725.10 Td (A/DV) Tj ET Q q 0 0 0 rg BT 315.69 725.10 Td (A) Tj ET Q q 0 0 0 rg BT 321.62 725.10 Td ( is a mor) Tj ET Q q 0 0 0 rg BT 356.53 725.10 Td (e meaningful depiction of the underlying fundamentals ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (of the business. For a r) Tj ET Q q 0 0 0 rg BT 128.41 713.10 Td (econciliation of these metrics to the r) Tj ET Q q 0 0 0 rg BT 276.89 713.10 Td (eported r) Tj ET Q q 0 0 0 rg BT 313.46 713.10 Td (esults, see the table above.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (2015 vs. 2014) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 92.39 689.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.26 677.10 Td ( was $1.1 billion, an improvement from a net loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (of $3.5 billion in 2014, lar) Tj ET Q q 0 0 0 rg BT 141.09 665.10 Td (gely due to the impact of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (mortgage settlement in 2014 \(see Executive Summary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (above\). Excluding the mortgage settlement, net income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (increased $782 million, primarily due to lower expenses and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (lower net credit losses, partially of) Tj ET Q q 0 0 0 rg BT 174.11 617.10 Td (fset by a lower net loan loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (reserve release. ) Tj ET Q q 0 0 0 rg BT 102.44 605.10 Td (While Citi Holdings expects to have positive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (net income during 2016, given the significant asset sales and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (declines in overall Citi Holdings) Tj ET Q q 0 0 0 rg BT 168.57 581.10 Td ( assets during 2015, it does ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (not expect to generate the same level of net income in 2016 as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (in 2015.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 545.10 Td (Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.75 545.10 Td ( decreased 1%, primarily driven by the overall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (wind-down of the portfolio, the impact of redemptions of high ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (cost debt and the impact of recording OneMain Financial net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (credit losses as a reduction of revenue beginning in the second ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (quarter of 2015, mostly of) Tj ET Q q 0 0 0 rg BT 140.52 497.10 Td (fset by higher gains on asset sales, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (including in the fourth quarter of 2015 due to the sales of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (OneMain Financial and the retail banking and credit cards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (businesses in Japan.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 449.10 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.21 449.10 Td ( declined 52%. Excluding the impact of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (mortgage settlement, expenses declined 22%, primarily due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (the ongoing decline in assets and lower legal and related costs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (\($420 million compared to $986 million in 2014\). ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 401.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 63.63 401.10 Td (ovisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.41 401.10 Td ( decreased 26%. Excluding the impact of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (mortgage settlement, provisions decreased 24%, driven by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (lower net credit losses, partially of) Tj ET Q q 0 0 0 rg BT 174.11 377.10 Td (fset by a lower net loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (reserve release. Net credit losses declined 42%, primarily due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (to the impact of the recording of OneMain Financial net credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (losses as a reduction in revenue, continued improvements in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (North ) Tj ET Q q 0 0 0 rg BT 61.66 329.10 Td (America ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.04 329.10 Td (mortgages and overall lower asset levels. ) Tj ET Q q 0 0 0 rg BT 267.25 329.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (net reserve release decreased 42%. Excluding the impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (the mortgage settlement, the net reserve release decreased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (46% to $529 million, primarily due to lower releases related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.72 281.10 Td (North ) Tj ET Q q 0 0 0 rg BT 76.38 281.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.25 281.10 Td ( mortgage portfolio as the portfolio has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (been reduced and credit has improved. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (2014 vs. 2013 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (The ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.05 233.10 Td (net loss) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.33 233.10 Td ( increased by $1.6 billion to $3.5 billion, lar) Tj ET Q q 0 0 0 rg BT 259.95 233.10 Td (gely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (due to the impact of the mortgage settlement, partially of) Tj ET Q q 0 0 0 rg BT 263.52 221.10 Td (fset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (by higher revenues and lower cost of credit. Excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (mortgage settlement, net income increased by $2.2 billion to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td ($275 million, primarily due to lower expenses, lower net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (credit losses and higher revenues, partially of) Tj ET Q q 0 0 0 rg BT 217.15 173.10 Td (fset by a lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (net loan loss reserve release.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 149.10 Td (Revenues) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.75 149.10 Td ( increased 17%, primarily driven by gains on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (asset sales, including the sales of the consumer operations in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (Greece and Spain in the third quarter of 2014, lower funding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (costs and the absence of residential mortgage repurchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (reserve builds for representation and warranty claims as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (compared to 2013, partially of) Tj ET Q q 0 0 0 rg BT 157.17 89.10 Td (fset by losses on the redemption ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (of debt associated with funding Citi Holdings assets.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 65.10 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.21 65.10 Td ( increased 22%. Excluding the impact of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (mortgage settlement, expenses declined 25%, primarily driven ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (by lower legal and related costs \($986 million compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td ($2.6 billion in 2013\) as well as the ongoing decline in assets.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 665.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 351.63 665.10 Td (ovisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.41 665.10 Td ( decreased 16%. Excluding the impact of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (mortgage settlement, provisions declined 19%, driven by a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (44% decline in net credit losses primarily due to continued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (improvements in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 393.99 629.10 Td (North ) Tj ET Q q 0 0 0 rg BT 419.65 629.10 Td (America ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.03 629.10 Td (mortgages and overall lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (asset levels. ) Tj ET Q q 0 0 0 rg BT 376.58 617.10 Td (The net reserve release decreased 55%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (Excluding the impact of the mortgage settlement, the net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (reserve release decreased 53%, primarily due to lower net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (releases related to the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 412.84 581.10 Td (North ) Tj ET Q q 0 0 0 rg BT 438.50 581.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.38 581.10 Td ( mortgage portfolio, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (partially of) Tj ET Q q 0 0 0 rg BT 367.97 569.10 Td (fset by lower losses on asset sales. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (Payment Pr) Tj ET Q q 0 0 0 rg BT 374.63 545.10 Td (otection Insurance \(PPI\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (The selling of PPI by financial institutions in the U.K. has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (been the subject of intense review and focus by U.K. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (regulators and, more recently) Tj ET Q q 0 0 0 rg BT 440.52 509.10 Td (, the U.K. Supreme Court. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (additional information on PPI, see Citi Holdings in Citi) Tj ET Q q 0 0 0 rg BT 557.04 497.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (Annual Report on Form 10-K for the year ended December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (31, 2013 filed with the SEC on March 3, 2014. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 461.10 Td (PPI is designed to cover a customer) Tj ET Q q 0 0 0 rg BT 488.12 461.10 Td () Tj ET Q q 0 0 0 rg BT 490.90 461.10 Td (s loan repayments if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (certain events occur) Tj ET Q q 0 0 0 rg BT 403.56 449.10 Td (, such as long-term illness or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (unemployment. ) Tj ET Q q 0 0 0 rg BT 391.31 437.10 Td (The U.K. Financial Conduct ) Tj ET Q q 0 0 0 rg BT 506.85 437.10 Td (Authority \(FCA\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (found certain problems across the industry with how these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (products were sold, including customers not realizing that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (cost of PPI premiums was being added to their loan or PPI ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (being unsuitable for the customer) Tj ET Q q 0 0 0 rg BT 457.30 389.10 Td (. Redress generally involves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (the repayment of premiums and the refund of all applicable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (contractual interest together with compensatory interest of 8%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (In addition, during the fourth quarter of 2014, the U.K. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (Supreme Court issued a ruling in a case \(Plevin\) involving PPI ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (pursuant to which the court ruled, independent of the sale of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (the PPI contract, the PPI contract at issue in the case was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (unfair due to the high sales commissions earned and the lack ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (of disclosure to the customer thereof. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 281.10 Td (During the fourth quarter of 2015, the FCA) Tj ET Q q 0 0 0 rg BT 514.75 281.10 Td ( issued a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (consultation paper that proposed \(1\) a deadline for PPI ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (complaints \(both non-Plevin and Plevin complaints\) of two ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (years after the ef) Tj ET Q q 0 0 0 rg BT 390.72 245.10 Td (fective date of the final rules; \(2\) an FCA-led ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (customer communications campaign in advance of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (deadline, with bank funding of the campaign; and \(3\) a failure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (to disclose a sales commission of 50% or more would be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (deemed unfair when assessing a new PPI complaint and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (require a customer refund of the dif) Tj ET Q q 0 0 0 rg BT 465.98 185.10 Td (ference between the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (commission paid and 50%, plus interest. Final rules are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (expected from the FCA) Tj ET Q q 0 0 0 rg BT 417.59 161.10 Td ( in spring 2016.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 149.10 Td (During 2015, Citi increased its PPI reserves by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (approximately $153 million \($65 million of which was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (recorded in Citi Holdings and $88 million of which was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (recorded in discontinued operations\), including a $106 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (reserve increase in the fourth quarter of 2015 \($39 million of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (which was recorded in Citi Holdings and $67 million of which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (was recorded in discontinued operations\). ) Tj ET Q q 0 0 0 rg BT 495.71 77.10 Td (The increase for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (full year 2015 compared to an increase of $1) Tj ET Q q 0 0 0 rg BT 502.45 65.10 Td (18 million during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 351.32 53.10 Td (While the overall level of claims generally remained ) Tj ET Q endstream endobj 65 0 obj <> endobj 66 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (unchanged in 2015, the increase in the reserves during 2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (including in the fourth quarter of 2015, was due in part to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (Plevin case and the guidelines set forth in the FCA) Tj ET Q q 0 0 0 rg BT 237.91 725.10 Td () Tj ET Q q 0 0 0 rg BT 240.69 725.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (consultation paper) Tj ET Q q 0 0 0 rg BT 109.19 713.10 Td (, including the proposed customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (communications campaign. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 689.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 689.10 Td (s year) Tj ET Q q 0 0 0 rg BT 95.18 689.10 Td (-end 2015 PPI reserve was $262 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (\(compared to $225 million as of December 31, 2014\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (Additional reserving actions, if any) Tj ET Q q 0 0 0 rg BT 176.70 665.10 Td (, in 2016 will lar) Tj ET Q q 0 0 0 rg BT 242.90 665.10 Td (gely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (depend on the timing of and response to the FCA) Tj ET Q q 0 0 0 rg BT 231.81 653.10 Td () Tj ET Q q 0 0 0 rg BT 234.58 653.10 Td (s final rules, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (including the level of customer response to any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (communications campaign.) Tj ET Q endstream endobj 67 0 obj <> endobj 68 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (31) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (OFF-BALANCE SHEET) Tj ET Q q 0 0 0 rg BT 165.47 747.90 Td ( ) Tj ET Q q 0 0 0 rg BT 167.81 747.90 Td (ARRANGEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 723.90 Td (Citigroup enters into various types of of) Tj ET Q q 0 0 0 rg BT 195.79 723.90 Td (f-balance sheet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 711.90 Td (arrangements in the ordinary course of business. Citi) Tj ET Q q 0 0 0 rg BT 249.84 711.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 699.90 Td (involvement in these arrangements can take many dif) Tj ET Q q 0 0 0 rg BT 249.35 699.90 Td (ferent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 687.90 Td (forms, including without limitation:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 669.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 669.90 Td (purchasing or retaining residual and other interests in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 657.90 Td (unconsolidated special purpose entities, such as credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 645.90 Td (card receivables and mortgage-backed and other asset-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 633.90 Td (backed securitization entities;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 621.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 621.90 Td (holding senior and subordinated debt, interests in limited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 609.90 Td (and general partnerships and equity interests in other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 597.90 Td (unconsolidated special purpose entities; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 585.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 585.90 Td (providing guarantees, indemnifications, loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 573.90 Td (commitments, letters of credit and representations and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 561.90 Td (warranties; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 549.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 549.90 Td (entering into operating leases for property and equipment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 525.90 Td (Citi enters into these arrangements for a variety of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 513.90 Td (business purposes. For example, securitization arrangements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 501.90 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 501.90 Td (fer investors access to specific cash flows and risks created ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 489.90 Td (through the securitization process. Securitization arrangements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 477.90 Td (also assist Citi and Citi) Tj ET Q q 0 0 0 rg BT 131.00 477.90 Td (s customers in monetizing their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 465.90 Td (financial assets and securing financing at more favorable rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 453.90 Td (than Citi or the customers could otherwise obtain.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 441.90 Td (The table below shows where a discussion of Citi) Tj ET Q q 0 0 0 rg BT 255.07 441.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 429.90 Td (various of) Tj ET Q q 0 0 0 rg BT 76.09 429.90 Td (f-balance sheet arrangements may be found in this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 417.90 Td (Form10-K. In addition, see Notes1, 22 and 27 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 405.90 Td (Consolidated Financial Statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 369.90 Td (T) Tj ET Q q 0 0 0 rg BT 41.93 369.90 Td (ypes of Off-Balance Sheet ) Tj ET Q q 0 0 0 rg BT 153.58 369.90 Td (Arrangements Disclosur) Tj ET Q q 0 0 0 rg BT 257.55 369.90 Td (es in ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 357.90 Td (this Form) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 80.44 357.90 Td (10-K) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 101.55 357.90 Td ( ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 339.40 111.00 -59.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 147.50 339.40 127.00 -59.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 250.40 111.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 147.50 250.40 127.00 -23.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 339.4 m 147.5 339.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147.5 339.4 m 274.5 339.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 280.4 m 147.5 280.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147.5 280.4 m 274.5 280.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 250.39999999999998 m 147.5 250.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 227.39999999999998 m 147.5 227.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147.5 250.39999999999998 m 274.5 250.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147.5 227.39999999999998 m 274.5 227.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 227.39999999999998 m 147.5 227.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 204.39999999999998 m 147.5 204.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147.5 227.39999999999998 m 274.5 227.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147.5 204.39999999999998 m 274.5 204.39999999999998 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 330.66 Td (Variable interests and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 321.66 Td (obligations, including) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 312.66 Td (contingent obligations,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 303.66 Td (arising from variable) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 294.66 Td (interests in nonconsolidated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 285.66 Td (VIEs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 150.00 330.66 Td (See Note22 to the Consolidated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 150.00 321.66 Td (Financial Statements.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 271.66 Td (Letters of credit, and lending) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 262.66 Td (and other commitments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 150.00 271.66 Td (See Note27 to the Consolidated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 150.00 262.66 Td (Financial Statements.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 241.66 Td (Guarantees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 150.00 241.66 Td (See Note27 to the Consolidated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 150.00 232.66 Td (Financial Statements.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 218.66 Td (Leases) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 150.00 218.66 Td (See Note27 to the Consolidated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 150.00 209.66 Td (Financial Statements.) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 69 0 obj <> endobj 70 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (32) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (CONTRACTUAL) Tj ET Q q 0 0 0 rg BT 129.35 747.90 Td ( OBLIGA) Tj ET Q q 0 0 0 rg BT 179.47 747.90 Td (TIONS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 723.90 Td (The following table includes information on Citigroup) Tj ET Q q 0 0 0 rg BT 256.52 723.90 Td (s contractual obligations, as specified and aggregated pursuant to SEC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 711.90 Td (requirements.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 673.40 232.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.50 673.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.50 673.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 673.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 673.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 673.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 673.40 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 673.40 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 645.40 232.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.50 645.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.50 645.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 645.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 645.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 645.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 645.40 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 645.40 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 617.40 232.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.50 617.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.50 617.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 617.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 617.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 617.40 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 617.40 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 617.40 47.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 687.4 m 310.5 687.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 687.4 m 352.5 687.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 687.4 m 394.5 687.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 687.4 m 436.5 687.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 687.4 m 478.5 687.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 687.4 m 529.5 687.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 687.4 m 576.5 687.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 673.4 m 268.5 673.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 687.4 m 310.5 687.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 673.4 m 310.5 673.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 687.4 m 352.5 687.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 673.4 m 352.5 673.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 687.4 m 394.5 687.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 673.4 m 394.5 673.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 687.4 m 436.5 687.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 673.4 m 436.5 673.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 687.4 m 478.5 687.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 673.4 m 478.5 673.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 673.4 m 529.5 673.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 673.4 m 576.5 673.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 673.4 m 310.5 673.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 673.4 m 352.5 673.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 673.4 m 394.5 673.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 673.4 m 436.5 673.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 673.4 m 478.5 673.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 673.4 m 529.5 673.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 673.4 m 576.5 673.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 603.4 m 268.5 603.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 603.4 m 310.5 603.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 603.4 m 352.5 603.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 603.4 m 394.5 603.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 603.4 m 436.5 603.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 603.4 m 478.5 603.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 603.4 m 529.5 603.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 603.4 m 576.5 603.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 589.4 m 268.5 589.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 589.4 m 310.5 589.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 589.4 m 352.5 589.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 589.4 m 394.5 589.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 589.4 m 436.5 589.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 589.4 m 478.5 589.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 589.4 m 529.5 589.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 589.4 m 576.5 589.4 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.40 691.85 Td (Contractual obligations by year) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 677.65 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 677.86 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 677.86 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.00 677.86 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.00 677.86 Td (2019) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.00 677.86 Td (2020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.75 677.86 Td (Thereafter) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.30 677.86 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 663.86 Td (Long-term debt obligationsprincipal) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 178.47 667.94 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.00 663.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.25 663.86 Td (43,537) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.00 663.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.25 663.86 Td (34,345) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.00 663.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.25 663.86 Td (31,416) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 663.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.25 663.86 Td (19,153) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 663.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.75 663.86 Td (9,377) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 663.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.25 663.86 Td (63,447) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.00 663.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 663.86 Td (201,275) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 649.86 Td (Long-term debt obligationsinterest payments) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 209.71 653.94 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.75 649.86 Td (5,960) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.75 649.86 Td (4,667) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 649.86 Td (3,575) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.75 649.86 Td (2,736) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.75 649.86 Td (2,262) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.25 649.86 Td (29,332) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 649.86 Td (48,532) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 635.86 Td (Operating and capital lease obligations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.75 635.86 Td (1,238) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.75 635.86 Td (1,002) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.50 635.86 Td (778) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.50 635.86 Td (698) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.50 635.86 Td (567) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.75 635.86 Td (4,483) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 635.86 Td (8,766) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 621.86 Td (Purchase obligations) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 113.74 625.94 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.50 621.86 Td (612) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.50 621.86 Td (547) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.50 621.86 Td (258) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.50 621.86 Td (246) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.50 621.86 Td (240) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.50 621.86 Td (500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 621.86 Td (2,403) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 607.86 Td (Other liabilities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 95.24 611.94 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.25 607.86 Td (29,015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.50 607.86 Td (732) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.50 607.86 Td (772) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.50 607.86 Td (192) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.50 607.86 Td (276) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.75 607.86 Td (3,462) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 607.86 Td (34,449) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 593.85 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.00 593.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.25 593.85 Td (80,362) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.00 593.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.25 593.85 Td (41,293) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.00 593.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.25 593.85 Td (36,799) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 593.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.25 593.85 Td (23,025) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 593.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 593.85 Td (12,722) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 593.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 593.85 Td (101,224) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 532.00 593.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 593.85 Td (295,425) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 570.70 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 570.70 Td (For additional information about long-term debt obligations, see Managing Global RiskLiquidity Risk below and Note 18 to the Consolidated Financial ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 561.10 Td (Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 551.50 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 551.50 Td (Contractual obligations related to interest payments on long-term debt for 20162020 are calculated by applying the December 31, 2015 weighted-average interest ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 541.90 Td (rate \() Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 70.65 541.90 Td (3.32%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 91.32 541.90 Td (\) on average outstanding long-term debt to the average remaining contractual obligations on long-term debt for each of those years. ) Tj ET Q q 0 0 0 rg BT 513.47 541.90 Td (The Thereafter ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 532.30 Td (interest payments on long-term debt for the remaining years to maturity \(20212098\) are calculated by applying current interest rates on the remaining contractual ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 522.70 Td (obligations on long-term debt for each of those years.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 513.10 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 513.10 Td (Purchase obligations consist of obligations to purchase goods or services that are enforceable and legally binding on Citi. For presentation purposes, purchase ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 503.50 Td (obligations are included in the table above through the termination date of the respective agreements, even if the contract is renewable. Many of the purchase ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 493.90 Td (agreements for goods or services include clauses that would allow Citi to cancel the agreement with specified notice; however) Tj ET Q q 0 0 0 rg BT 457.54 493.90 Td (, that impact is not included in the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 484.30 Td (table above \(unless Citi has already notified the counterparty of its intention to terminate the agreement\).) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 474.70 Td (\(4\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 474.70 Td (Other liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 104.89 474.70 Td ( reflected on Citigroup) Tj ET Q q 0 0 0 rg BT 179.75 474.70 Td (s Consolidated Balance Sheet includes accounts payable, accrued expenses, uncertain tax positions and other liabilities that ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 465.10 Td (have been incurred and will ultimately be paid in cash; legal reserve accruals are not included in the table above. ) Tj ET Q q 0 0 0 rg BT 415.86 465.10 Td (Also includes discretionary contributions in 2016 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 455.50 Td (for Citi) Tj ET Q q 0 0 0 rg BT 79.55 455.50 Td (s employee-defined benefit obligations for the pension, postretirement and postemployment plans and defined contribution plans. ) Tj ET Q endstream endobj 71 0 obj <> endobj 72 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (33) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 45.00 740.90 Td (CAPIT) Tj ET Q q 0 0 0 rg BT 81.45 740.90 Td (AL) Tj ET Q q 0 0 0 rg BT 97.45 740.90 Td ( RESOURCES ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 716.90 Td (Overview) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 704.90 Td (Capital is used principally to support assets in Citi) Tj ET Q q 0 0 0 rg BT 248.87 704.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 692.90 Td (businesses and to absorb credit, market, and operational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 680.90 Td (losses. Citi primarily generates capital through earnings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 668.90 Td (from its operating businesses. Citi may augment its capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 656.90 Td (through issuances of common stock, noncumulative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 644.90 Td (perpetual preferred stock and equity issued through awards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 632.90 Td (under employee benefit plans, among other issuances. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 620.90 Td (During 2015, Citi continued to raise) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 189.42 620.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 191.92 620.90 Td (capital through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 608.90 Td (noncumulative perpetual preferred stock issuances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 596.90 Td (amounting to approximately $6.3 billion, resulting in a total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 584.90 Td (of approximately $16.7 billion outstanding as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 572.90 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.58 572.90 Td (. In addition, during 2015, Citi returned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 560.90 Td (a total of approximately $5.9 billion of capital to common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 548.90 Td (shareholders in the form of share repurchases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 536.90 Td (\(approximately 101 million common shares\) and dividends.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 524.90 Td (Further) Tj ET Q q 0 0 0 rg BT 92.04 524.90 Td (, Citi) Tj ET Q q 0 0 0 rg BT 114.82 524.90 Td (s capital levels may also be af) Tj ET Q q 0 0 0 rg BT 234.04 524.90 Td (fected by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 512.90 Td (changes in accounting and regulatory standards as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 500.90 Td (the impact of future events on Citi) Tj ET Q q 0 0 0 rg BT 184.97 500.90 Td (s business results, such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 488.90 Td (as corporate and asset dispositions.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 185.25 488.90 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 45.00 464.90 Td (Capital Management) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 452.90 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 86.11 452.90 Td (s capital management framework is designed to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 440.90 Td (ensure that Citigroup and its principal subsidiaries maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 428.90 Td (suf) Tj ET Q q 0 0 0 rg BT 57.04 428.90 Td (ficient capital consistent with each entity) Tj ET Q q 0 0 0 rg BT 223.37 428.90 Td (s respective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 416.90 Td (risk profile, management tar) Tj ET Q q 0 0 0 rg BT 158.11 416.90 Td (gets, and all applicable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 404.90 Td (regulatory standards and guidelines. Citi assesses its capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 392.90 Td (adequacy against a series of internal quantitative capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 380.90 Td (goals, designed to evaluate the Company) Tj ET Q q 0 0 0 rg BT 211.63 380.90 Td (s capital levels in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 368.90 Td (expected and stressed economic environments. Underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 356.90 Td (these internal quantitative capital goals are strategic capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 344.90 Td (considerations, centered on preserving and building ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 332.90 Td (financial strength. ) Tj ET Q q 0 0 0 rg BT 119.52 332.90 Td (The Citigroup Capital Committee, with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 320.90 Td (oversight from the Risk Management Committee of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 308.90 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 86.11 308.90 Td (s Board of Directors, has responsibility for Citi) Tj ET Q q 0 0 0 rg BT 277.20 308.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 296.90 Td (aggregate capital structure, including the capital assessment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 284.90 Td (and planning process, which is integrated into Citi) Tj ET Q q 0 0 0 rg BT 248.85 284.90 Td (s capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 272.90 Td (plan. Balance sheet management, including oversight of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 260.90 Td (capital adequacy) Tj ET Q q 0 0 0 rg BT 111.25 260.90 Td (, for Citigroup) Tj ET Q q 0 0 0 rg BT 171.53 260.90 Td (s subsidiaries is governed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 248.90 Td (by each entity) Tj ET Q q 0 0 0 rg BT 103.87 248.90 Td (s ) Tj ET Q q 0 0 0 rg BT 109.71 248.90 Td (Asset and Liability Committee. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 236.90 Td (additional information regarding Citi) Tj ET Q q 0 0 0 rg BT 195.80 236.90 Td (s capital planning and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 224.90 Td (stress testing exercises, see Capital Planning and Stress ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 212.90 Td (T) Tj ET Q q 0 0 0 rg BT 50.41 212.90 Td (esting below) Tj ET Q q 0 0 0 rg BT 105.02 212.90 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 188.90 Td (Curr) Tj ET Q q 0 0 0 rg BT 66.48 188.90 Td (ent Regulatory Capital Standards) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 176.90 Td (Citi is subject to regulatory capital standards issued by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 164.90 Td (Federal Reserve Board which, commencing with 2014, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 152.90 Td (constitute the U.S. Basel III rules. ) Tj ET Q q 0 0 0 rg BT 182.85 152.90 Td (These rules establish an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 140.90 Td (integrated capital adequacy framework, encompassing both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 128.90 Td (risk-based capital ratios and leverage ratios.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 321.50 716.90 Td (Risk-Based Capital Ratios) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 704.90 Td (The U.S. Basel III rules set forth the composition of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 692.90 Td (regulatory capital \(including the application of regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 680.90 Td (capital adjustments and deductions\), as well as two ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 668.90 Td (comprehensive methodologies \(a Standardized ) Tj ET Q q 0 0 0 rg BT 510.33 668.90 Td (Approach ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 656.90 Td (and ) Tj ET Q q 0 0 0 rg BT 337.89 656.90 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 380.37 656.90 Td (Approaches\) for measuring total risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 644.90 Td (weighted assets. ) Tj ET Q q 0 0 0 rg BT 388.80 644.90 Td (T) Tj ET Q q 0 0 0 rg BT 394.21 644.90 Td (otal risk-weighted assets under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 632.90 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 363.99 632.90 Td (Approaches, which are primarily models based, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 620.90 Td (include credit, market, and operational risk-weighted assets. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 608.90 Td (Conversely) Tj ET Q q 0 0 0 rg BT 366.40 608.90 Td (, the Standardized ) Tj ET Q q 0 0 0 rg BT 440.26 608.90 Td (Approach excludes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 596.90 Td (operational risk-weighted assets and generally applies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 584.90 Td (prescribed supervisory risk weights to broad categories of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 572.90 Td (credit risk exposures. ) Tj ET Q q 0 0 0 rg BT 408.70 572.90 Td (As a result, credit risk-weighted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 560.90 Td (assets calculated under the ) Tj ET Q q 0 0 0 rg BT 429.79 560.90 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 472.28 560.90 Td (Approaches are more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 548.90 Td (risk sensitive than those calculated under the Standardized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 536.90 Td (Approach. Market risk-weighted assets are derived on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 524.90 Td (generally consistent basis under both approaches. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 512.90 Td (The U.S. Basel III rules establish stated minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 500.90 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 390.21 500.90 Td (T) Tj ET Q q 0 0 0 rg BT 395.97 500.90 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 450.22 500.90 Td (T) Tj ET Q q 0 0 0 rg BT 455.97 500.90 Td (ier 1 Capital and ) Tj ET Q q 0 0 0 rg BT 524.66 500.90 Td (T) Tj ET Q q 0 0 0 rg BT 530.07 500.90 Td (otal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 488.90 Td (Capital ratios for substantially all U.S. banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 476.90 Td (or) Tj ET Q q 0 0 0 rg BT 329.65 476.90 Td (ganizations, including Citi and Citibank, N.A. \(Citibank\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 464.90 Td (Moreover) Tj ET Q q 0 0 0 rg BT 360.53 464.90 Td (, these rules provide for both a fixed Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 452.90 Td (Conservation Buf) Tj ET Q q 0 0 0 rg BT 392.14 452.90 Td (fer and a discretionary Countercyclical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 440.90 Td (Capital Buf) Tj ET Q q 0 0 0 rg BT 367.70 440.90 Td (fer) Tj ET Q q 0 0 0 rg BT 378.40 440.90 Td (, which would be available to absorb losses in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 428.90 Td (advance of any potential impairment of regulatory capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 416.90 Td (below the stated minimum risk-based capital ratio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 404.90 Td (requirements. In December 2015, the Federal Reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 392.90 Td (Board voted to af) Tj ET Q q 0 0 0 rg BT 391.02 392.90 Td (firm the Countercyclical Capital Buf) Tj ET Q q 0 0 0 rg BT 537.46 392.90 Td (fer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 380.90 Td (amount at the current level of 0%, and issued a proposed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 368.90 Td (framework for implementing the Countercyclical Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 356.90 Td (Buf) Tj ET Q q 0 0 0 rg BT 336.32 356.90 Td (fer in the future. For additional information regarding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 344.90 Td (the Federal Reserve Board) Tj ET Q q 0 0 0 rg BT 430.63 344.90 Td (s proposed policy statement on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 332.90 Td (the Countercyclical Capital Buf) Tj ET Q q 0 0 0 rg BT 448.22 332.90 Td (fer) Tj ET Q q 0 0 0 rg BT 458.92 332.90 Td (, see Regulatory Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 320.90 Td (Standards Developments) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 425.64 320.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.14 320.90 Td (below) Tj ET Q q 0 0 0 rg BT 451.93 320.90 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 308.90 Td (Further) Tj ET Q q 0 0 0 rg BT 368.54 308.90 Td (, the U.S. Basel III rules implement the capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 296.90 Td (floor provision of the so-called Collins ) Tj ET Q q 0 0 0 rg BT 487.58 296.90 Td (Amendment of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 284.90 Td (the Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 387.05 284.90 Td (Act, which requires ) Tj ET Q q 0 0 0 rg BT 467.58 284.90 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 510.06 284.90 Td (Approaches ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 272.90 Td (banking or) Tj ET Q q 0 0 0 rg BT 364.37 272.90 Td (ganizations, such as Citi and Citibank, to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 260.90 Td (calculate each of the three risk-based capital ratios ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 248.90 Td (\(Common Equity ) Tj ET Q q 0 0 0 rg BT 393.54 248.90 Td (T) Tj ET Q q 0 0 0 rg BT 399.30 248.90 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 453.55 248.90 Td (T) Tj ET Q q 0 0 0 rg BT 459.30 248.90 Td (ier 1 Capital, and ) Tj ET Q q 0 0 0 rg BT 530.49 248.90 Td (T) Tj ET Q q 0 0 0 rg BT 535.90 248.90 Td (otal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 236.90 Td (Capital\) under both the Standardized ) Tj ET Q q 0 0 0 rg BT 470.63 236.90 Td (Approach starting on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 224.90 Td (January 1, 2015 \(or) Tj ET Q q 0 0 0 rg BT 398.86 224.90 Td (, for 2014, prior to the ef) Tj ET Q q 0 0 0 rg BT 497.54 224.90 Td (fective date of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 212.90 Td (the Standardized ) Tj ET Q q 0 0 0 rg BT 390.37 212.90 Td (Approach, the Basel I credit risk and Basel ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 200.90 Td (II.5 market risk capital rules\) and the ) Tj ET Q q 0 0 0 rg BT 471.45 200.90 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 513.93 200.90 Td (Approaches ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 188.90 Td (and publicly report \(as well as measure compliance against\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 176.90 Td (the lower of each of the resulting risk-based capital ratios.) Tj ET Q endstream endobj 73 0 obj <> endobj 74 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (34) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 742.25 Td (GSIB Surcharge) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 730.25 Td (In ) Tj ET Q q 0 0 0 rg BT 55.28 730.25 Td (August 2015, the Federal Reserve Board issued a final ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 718.25 Td (rule which imposes a risk-based capital surchar) Tj ET Q q 0 0 0 rg BT 234.20 718.25 Td (ge upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 706.25 Td (U.S. bank holding companies that are identified as global ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 694.25 Td (systemically important bank holding companies \(GSIBs\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 682.25 Td (including Citi. ) Tj ET Q q 0 0 0 rg BT 105.10 682.25 Td (The GSIB surchar) Tj ET Q q 0 0 0 rg BT 177.68 682.25 Td (ge augments the Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 670.25 Td (Conservation Buf) Tj ET Q q 0 0 0 rg BT 115.64 670.25 Td (fer and, if invoked, any Countercyclical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 658.25 Td (Capital Buf) Tj ET Q q 0 0 0 rg BT 91.20 658.25 Td (fer) Tj ET Q q 0 0 0 rg BT 101.90 658.25 Td (, and would result in restrictions on earnings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 646.25 Td (distributions \(e.g., dividends, equity repurchases, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 634.25 Td (discretionary executive bonuses\) should the expanded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 622.25 Td (buf) Tj ET Q q 0 0 0 rg BT 58.15 622.25 Td (fer be breached to absorb losses during periods of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 610.25 Td (financial or economic stress, with the degree of such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 598.25 Td (restrictions based upon the extent to which the expanded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 586.25 Td (buf) Tj ET Q q 0 0 0 rg BT 58.15 586.25 Td (fer is breached.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 574.25 Td (Under the Federal Reserve Board) Tj ET Q q 0 0 0 rg BT 199.62 574.25 Td (s final rule, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 562.25 Td (identification of a GSIB would be based primarily on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 550.25 Td (quantitative measurement indicators underlying five ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 538.25 Td (equally weighted broad categories of systemic importance: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 526.25 Td (\(i\) size, \(ii\) interconnectedness, \(iii\) cross-jurisdictional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 514.25 Td (activity) Tj ET Q q 0 0 0 rg BT 74.34 514.25 Td (, \(iv\) substitutability) Tj ET Q q 0 0 0 rg BT 155.08 514.25 Td (, and \(v\) complexity) Tj ET Q q 0 0 0 rg BT 235.52 514.25 Td (. ) Tj ET Q q 0 0 0 rg BT 240.34 514.25 Td (W) Tj ET Q q 0 0 0 rg BT 249.38 514.25 Td (ith the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 502.25 Td (exception of size, each of the other categories are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 490.25 Td (comprised of multiple indicators also of equal weight, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 478.25 Td (amounting to 12 indicators in total. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 466.25 Td (A) Tj ET Q q 0 0 0 rg BT 69.67 466.25 Td ( U.S. bank holding company that is designated a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 454.25 Td (GSIB under the established methodology will be required, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 442.25 Td (on an annual basis, to calculate a surchar) Tj ET Q q 0 0 0 rg BT 208.09 442.25 Td (ge using two ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 430.25 Td (methods and will be subject to the higher of the resulting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 418.25 Td (two surchar) Tj ET Q q 0 0 0 rg BT 91.75 418.25 Td (ges. ) Tj ET Q q 0 0 0 rg BT 109.90 418.25 Td (The first method \(method 1\) is based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 406.25 Td (the same five broad categories of systemic importance used ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 394.25 Td (to identify a GSIB. Under the second method \(method 2\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 382.25 Td (the substitutability category is replaced with a quantitative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 370.25 Td (measure intended to assess the extent of a GSIB) Tj ET Q q 0 0 0 rg BT 239.95 370.25 Td (s reliance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 358.25 Td (on short-term wholesale funding. Moreover) Tj ET Q q 0 0 0 rg BT 219.28 358.25 Td (, method 1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 346.25 Td (incorporates relative measures of systemic importance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 334.25 Td (across certain global banking or) Tj ET Q q 0 0 0 rg BT 172.55 334.25 Td (ganizations and a year) Tj ET Q q 0 0 0 rg BT 261.48 334.25 Td (-end ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 322.25 Td (spot foreign exchange rate, whereas method 2 uses fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 310.25 Td (measures of systemic importance and application of an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 298.25 Td (average foreign exchange rate over a three-year period. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 286.25 Td (Generally) Tj ET Q q 0 0 0 rg BT 83.77 286.25 Td (, the surchar) Tj ET Q q 0 0 0 rg BT 132.74 286.25 Td (ge derived under method 2 will result ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 274.25 Td (in a higher surchar) Tj ET Q q 0 0 0 rg BT 119.51 274.25 Td (ge than derived under method 1.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 262.25 Td (Should a GSIB) Tj ET Q q 0 0 0 rg BT 126.34 262.25 Td (s systemic importance change year) Tj ET Q q 0 0 0 rg BT 265.53 262.25 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 250.25 Td (over) Tj ET Q q 0 0 0 rg BT 62.57 250.25 Td (-year such that it becomes subject to a higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 238.25 Td (surchar) Tj ET Q q 0 0 0 rg BT 74.25 238.25 Td (ge, the higher surchar) Tj ET Q q 0 0 0 rg BT 160.70 238.25 Td (ge would not become ef) Tj ET Q q 0 0 0 rg BT 256.60 238.25 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 226.25 Td (for a full year \(e.g., a higher surchar) Tj ET Q q 0 0 0 rg BT 189.19 226.25 Td (ge calculated by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 214.25 Td (December 31, 2016 would not become ef) Tj ET Q q 0 0 0 rg BT 210.04 214.25 Td (fective until ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 202.25 Td (January 1, 2018\). However) Tj ET Q q 0 0 0 rg BT 153.18 202.25 Td (, if a GSIB) Tj ET Q q 0 0 0 rg BT 199.29 202.25 Td (s systemic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 190.25 Td (importance changes such that the GSIB would be subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 178.25 Td (a lower surchar) Tj ET Q q 0 0 0 rg BT 106.46 178.25 Td (ge, the GSIB would be subject to the lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 166.25 Td (surchar) Tj ET Q q 0 0 0 rg BT 74.25 166.25 Td (ge beginning with the next calendar year \(e.g., a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 154.25 Td (lower surchar) Tj ET Q q 0 0 0 rg BT 99.52 154.25 Td (ge calculated by December 31, 2016 would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 142.25 Td (become ef) Tj ET Q q 0 0 0 rg BT 86.18 142.25 Td (fective January 1, 2017\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 742.10 Td (GSIB surchar) Tj ET Q q 0 0 0 rg BT 394.03 742.10 Td (ges under the final rule, which are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 730.10 Td (required to be composed entirely of Common Equity ) Tj ET Q q 0 0 0 rg BT 535.16 730.10 Td (T) Tj ET Q q 0 0 0 rg BT 540.92 730.10 Td (ier 1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 718.10 Td (Capital, initially range from 1.0% to 4.5% of total risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 706.10 Td (weighted assets. Citi) Tj ET Q q 0 0 0 rg BT 406.77 706.10 Td (s initial GSIB surchar) Tj ET Q q 0 0 0 rg BT 493.52 706.10 Td (ge ef) Tj ET Q q 0 0 0 rg BT 513.05 706.10 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 694.10 Td (January 1, 2016, which is based primarily on 2014 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 682.10 Td (quantitative measures of systemic importance \(other than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 670.10 Td (the short-term wholesale funding measure under method 2, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 658.10 Td (based on 2015 data\), is 3.5%. However) Tj ET Q q 0 0 0 rg BT 478.00 658.10 Td (, Citi) Tj ET Q q 0 0 0 rg BT 500.79 658.10 Td (s ongoing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 646.10 Td (ef) Tj ET Q q 0 0 0 rg BT 329.09 646.10 Td (forts during 2015 in managing balance sheet ef) Tj ET Q q 0 0 0 rg BT 516.91 646.10 Td (ficiency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 634.10 Td (has resulted in lower scores for substantially all of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 622.10 Td (quantitative measures of systemic importance, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 610.10 Td (consequently has reduced Citi) Tj ET Q q 0 0 0 rg BT 444.52 610.10 Td (s estimated GSIB surchar) Tj ET Q q 0 0 0 rg BT 546.27 610.10 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 598.10 Td (to 3%, also derived under method 2, which would become ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 586.10 Td (ef) Tj ET Q q 0 0 0 rg BT 329.09 586.10 Td (fective January 1, 2017. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 321.50 562.10 Td (T) Tj ET Q q 0 0 0 rg BT 327.24 562.10 Td (ransition Provisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 550.10 Td (The U.S. Basel III rules contain several dif) Tj ET Q q 0 0 0 rg BT 492.65 550.10 Td (fering, lar) Tj ET Q q 0 0 0 rg BT 531.90 550.10 Td (gely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 538.10 Td (multi-year transition provisions \(i.e., phase-ins and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 526.10 Td (phase-outs\) with respect to the stated minimum Common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 514.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 350.48 514.10 Td (T) Tj ET Q q 0 0 0 rg BT 356.24 514.10 Td (ier 1 Capital and ) Tj ET Q q 0 0 0 rg BT 424.93 514.10 Td (T) Tj ET Q q 0 0 0 rg BT 430.68 514.10 Td (ier 1 Capital ratio requirements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 502.10 Td (substantially all regulatory capital adjustments and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 490.10 Td (deductions, and non-qualifying ) Tj ET Q q 0 0 0 rg BT 448.52 490.10 Td (T) Tj ET Q q 0 0 0 rg BT 454.27 490.10 Td (ier 1 and ) Tj ET Q q 0 0 0 rg BT 491.58 490.10 Td (T) Tj ET Q q 0 0 0 rg BT 497.33 490.10 Td (ier 2 Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 478.10 Td (instruments \(such as non-grandfathered trust preferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 466.10 Td (securities and certain subordinated debt issuances\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 454.10 Td (Moreover) Tj ET Q q 0 0 0 rg BT 360.53 454.10 Td (, the GSIB surchar) Tj ET Q q 0 0 0 rg BT 434.78 454.10 Td (ge will be introduced in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 442.10 Td (parallel with the Capital Conservation Buf) Tj ET Q q 0 0 0 rg BT 491.00 442.10 Td (fer and, if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 430.10 Td (applicable, any Countercyclical Capital Buf) Tj ET Q q 0 0 0 rg BT 496.53 430.10 Td (fer) Tj ET Q q 0 0 0 rg BT 507.23 430.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 418.10 Td (commencing phase-in on January 1, 2016 and becoming ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 406.10 Td (fully ef) Tj ET Q q 0 0 0 rg BT 350.47 406.10 Td (fective on January 1, 2019. ) Tj ET Q q 0 0 0 rg BT 461.09 406.10 Td (W) Tj ET Q q 0 0 0 rg BT 470.13 406.10 Td (ith the exception of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 394.10 Td (the non-grandfathered trust preferred securities which do ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 382.10 Td (not fully phase-out until January 1, 2022 and the capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 370.10 Td (buf) Tj ET Q q 0 0 0 rg BT 334.65 370.10 Td (fers and GSIB surchar) Tj ET Q q 0 0 0 rg BT 423.61 370.10 Td (ge which do not fully phase-in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 358.10 Td (until January 1, 2019, all other transition provisions will be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 346.10 Td (entirely reflected in Citi) Tj ET Q q 0 0 0 rg BT 420.07 346.10 Td (s regulatory capital ratios by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 334.10 Td (January 1, 2018. Citi considers all of these transition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 322.10 Td (provisions as being fully implemented on January 1, 2019 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 310.10 Td (\(full implementation\), with the inclusion of the capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 298.10 Td (buf) Tj ET Q q 0 0 0 rg BT 334.65 298.10 Td (fers and GSIB surchar) Tj ET Q q 0 0 0 rg BT 423.61 298.10 Td (ge. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 286.10 Td (The following chart sets forth the transitional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 274.10 Td (progression to full implementation by January 1, 2019 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 262.10 Td (of the regulatory capital components \(i.e., inclusive of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 250.10 Td (the mandatory 2.5% Capital Conservation Buf) Tj ET Q q 0 0 0 rg BT 506.84 250.10 Td (fer and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 238.10 Td (Countercyclical Capital Buf) Tj ET Q q 0 0 0 rg BT 433.51 238.10 Td (fer at its current level of 0%, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 226.10 Td (well as an estimated 3% GSIB surchar) Tj ET Q q 0 0 0 rg BT 475.17 226.10 Td (ge\) comprising the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 214.10 Td (ef) Tj ET Q q 0 0 0 rg BT 329.09 214.10 Td (fective minimum risk-based capital ratios. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 321.50 175.70 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 163.70 Td ( ) Tj ET Q endstream endobj 75 0 obj <> endobj 76 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (35) Tj ET Q 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 44 748.5 m 562 748.5 l s BT /F5 10.00 Tf ET q 0 0 0 rg BT 46.50 737.12 Td (Basel III Transition Arrangements: Minimum Risk-Based Capital Ratios) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 517.00 0 0 265.20 45.00 462.85 cm /I19 Do Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 44 452.35 m 562 452.35 l s BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 427.25 Td (The following chart presents the transition arrangements \(phase-in and phase-out\) under the U.S. Basel III rules for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 415.25 Td (significant regulatory capital adjustments and deductions relative to Citi. ) Tj ET Q 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 404.75 m 563.5 404.75 l s BT /F5 10.00 Tf ET q 0 0 0 rg BT 48.00 394.37 Td (Basel III Transition Arrangements: Significant Regulatory Capital Adjustments and Deductions) Tj ET Q BT /F1 10.00 Tf ET 0.2 0.2 0.4 rg /GS0 gs 407.00 379.75 155.00 -14.00 re f /GS0 gs 0.2 0.2 0.4 rg /GS0 gs 44.00 365.75 363.00 -14.00 re f /GS0 gs 0.2 0.2 0.4 rg /GS0 gs 407.00 365.75 31.00 -14.00 re f /GS0 gs 0.2 0.2 0.4 rg /GS0 gs 438.00 365.75 31.00 -14.00 re f /GS0 gs 0.2 0.2 0.4 rg /GS0 gs 469.00 365.75 31.00 -14.00 re f /GS0 gs 0.2 0.2 0.4 rg /GS0 gs 500.00 365.75 31.00 -14.00 re f /GS0 gs 0.2 0.2 0.4 rg /GS0 gs 531.00 365.75 31.00 -14.00 re f /GS0 gs 0.8 0.8 0.8 rg /GS0 gs 44.00 299.75 363.00 -14.00 re f /GS0 gs 0.8 0.8 0.8 rg /GS0 gs 407.00 299.75 31.00 -14.00 re f /GS0 gs 0.8 0.8 0.8 rg /GS0 gs 438.00 299.75 31.00 -14.00 re f /GS0 gs 0.8 0.8 0.8 rg /GS0 gs 469.00 299.75 31.00 -14.00 re f /GS0 gs 0.8 0.8 0.8 rg /GS0 gs 500.00 299.75 31.00 -14.00 re f /GS0 gs 0.8 0.8 0.8 rg /GS0 gs 531.00 299.75 31.00 -14.00 re f /GS0 gs 0.8 0.8 0.8 rg /GS0 gs 44.00 285.75 363.00 -14.00 re f /GS0 gs 0.8 0.8 0.8 rg /GS0 gs 407.00 285.75 31.00 -14.00 re f /GS0 gs 0.8 0.8 0.8 rg /GS0 gs 438.00 285.75 31.00 -14.00 re f /GS0 gs 0.8 0.8 0.8 rg /GS0 gs 469.00 285.75 31.00 -14.00 re f /GS0 gs 0.8 0.8 0.8 rg /GS0 gs 500.00 285.75 31.00 -14.00 re f /GS0 gs 0.8 0.8 0.8 rg /GS0 gs 531.00 285.75 31.00 -14.00 re f /GS0 gs 0.8 0.8 0.8 rg /GS0 gs 44.00 271.75 363.00 -13.00 re f /GS0 gs 0.8 0.8 0.8 rg /GS0 gs 407.00 271.75 31.00 -13.00 re f /GS0 gs 0.8 0.8 0.8 rg /GS0 gs 438.00 271.75 31.00 -13.00 re f /GS0 gs 0.8 0.8 0.8 rg /GS0 gs 469.00 271.75 31.00 -13.00 re f /GS0 gs 0.8 0.8 0.8 rg /GS0 gs 500.00 271.75 31.00 -13.00 re f /GS0 gs 0.8 0.8 0.8 rg /GS0 gs 531.00 271.75 31.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44 379.75 m 44 365.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44 379.75 m 407 379.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407 379.75 m 438 379.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407 365.75 m 438 365.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438 379.75 m 469 379.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438 365.75 m 469 365.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469 379.75 m 500 379.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469 365.75 m 500 365.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 379.75 m 531 379.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 365.75 m 531 365.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562 379.75 m 562 365.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531 379.75 m 562 379.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531 365.75 m 562 365.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44 365.75 m 44 351.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44 351.75 m 407 351.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407 351.75 m 438 351.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438 351.75 m 469 351.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469 351.75 m 500 351.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 351.75 m 531 351.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562 365.75 m 562 351.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531 351.75 m 562 351.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44 351.75 m 44 337.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562 351.75 m 562 337.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44 337.75 m 44 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562 337.75 m 562 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44 328.75 m 44 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562 328.75 m 562 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44 314.75 m 44 299.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562 314.75 m 562 299.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44 299.75 m 44 285.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562 299.75 m 562 285.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44 285.75 m 44 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562 285.75 m 562 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44 271.75 m 44 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407 271.75 m 438 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407 258.75 m 438 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438 271.75 m 469 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438 258.75 m 469 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469 271.75 m 500 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469 258.75 m 500 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 271.75 m 531 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500 258.75 m 531 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562 271.75 m 562 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531 271.75 m 562 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531 258.75 m 562 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44 258.75 m 44 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562 258.75 m 562 243.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44 243.75 m 44 229.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562 243.75 m 562 229.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44 229.75 m 44 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562 229.75 m 562 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44 220.75 m 44 206.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 44 206.75 m 407 206.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 407 206.75 m 438 206.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 438 206.75 m 469 206.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 469 206.75 m 500 206.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 500 206.75 m 531 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 562 220.75 m 562 206.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 531 206.75 m 562 206.75 l s BT /F5 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 462.95 370.15 Td (January 1) Tj ET Q BT /F5 9.00 Tf ET q 1 1 1 rg BT 411.95 356.15 Td (2014) Tj ET Q BT /F5 9.00 Tf ET q 1 1 1 rg BT 442.95 356.15 Td (2015) Tj ET Q BT /F5 9.00 Tf ET q 1 1 1 rg BT 473.95 356.15 Td (2016) Tj ET Q BT /F5 9.00 Tf ET q 1 1 1 rg BT 504.95 356.15 Td (2017) Tj ET Q BT /F5 9.00 Tf ET q 1 1 1 rg BT 535.95 356.15 Td (2018) Tj ET Q BT /F5 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 46.50 342.15 Td (Phase-in of Significant Regulatory Capital Adjustments and Deductions) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 46.50 319.15 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 112.86 319.15 Td (T) Tj ET Q q 0 0 0 rg BT 118.03 319.15 Td (ier 1 Capital) Tj ET Q BT /F6 9.00 Tf ET BT /F6 5.85 Tf ET q 0 0 0 rg BT 166.05 323.44 Td (\(1\) ) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 418.45 319.15 Td (20) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 429.45 319.15 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 449.45 319.15 Td (40) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 460.45 319.15 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 480.45 319.15 Td (60) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 491.45 319.15 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 511.45 319.15 Td (80) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 522.45 319.15 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 537.45 319.15 Td (100) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 553.45 319.15 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 46.50 290.15 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 112.86 290.15 Td (T) Tj ET Q q 0 0 0 rg BT 118.03 290.15 Td (ier 1 Capital) Tj ET Q BT /F6 9.00 Tf ET BT /F6 5.85 Tf ET q 0 0 0 rg BT 166.05 294.44 Td (\(2\)) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 418.45 290.15 Td (20) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 429.45 290.15 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 449.45 290.15 Td (40) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 460.45 290.15 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 480.45 290.15 Td (60) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 491.45 290.15 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 511.45 290.15 Td (80) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 522.45 290.15 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 537.45 290.15 Td (100) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 553.45 290.15 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 46.50 276.15 Td (Additional ) Tj ET Q q 0 0 0 rg BT 88.37 276.15 Td (T) Tj ET Q q 0 0 0 rg BT 93.53 276.15 Td (ier 1 Capital) Tj ET Q BT /F6 9.00 Tf ET BT /F6 5.85 Tf ET q 0 0 0 rg BT 141.55 280.44 Td (\(2\)\(3\)) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 418.45 276.15 Td (80) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 429.45 276.15 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 449.45 276.15 Td (60) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 460.45 276.15 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 480.45 276.15 Td (40) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 491.45 276.15 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 511.45 276.15 Td (20) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 522.45 276.15 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 547.45 276.15 Td (0) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 553.45 276.15 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 413.45 262.70 Td (100) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 429.45 262.70 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 444.45 262.70 Td (100) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 460.45 262.70 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 475.45 262.70 Td (100) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 491.45 262.70 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 506.45 262.70 Td (100) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 522.45 262.70 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 537.45 262.70 Td (100) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 553.45 262.70 Td (%) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 46.50 234.15 Td (Phase-out of Significant AOCI Regulatory Capital Adjustments) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 46.50 211.15 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 112.86 211.15 Td (T) Tj ET Q q 0 0 0 rg BT 118.03 211.15 Td (ier 1 Capital) Tj ET Q BT /F6 9.00 Tf ET BT /F6 5.85 Tf ET q 0 0 0 rg BT 166.05 215.44 Td (\(4\)) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 418.45 211.15 Td (80) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 429.45 211.15 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 449.45 211.15 Td (60) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 460.45 211.15 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 480.45 211.15 Td (40) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 491.45 211.15 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 511.45 211.15 Td (20) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 522.45 211.15 Td (%) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 547.45 211.15 Td (0) Tj ET Q BT /F6 9.00 Tf ET q 0 0 0 rg BT 553.45 211.15 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 191.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 191.65 Td (Includes the phase-in of Common Equity ) Tj ET Q q 0 0 0 rg BT 196.61 191.65 Td (T) Tj ET Q q 0 0 0 rg BT 201.21 191.65 Td (ier 1 Capital deductions for all intangible assets other than goodwill and mortgage servicing rights \(MSRs\); and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 182.05 Td (excess over 10%/15% limitations for deferred tax assets \(DT) Tj ET Q q 0 0 0 rg BT 256.96 182.05 Td (As\) arising from temporary dif) Tj ET Q q 0 0 0 rg BT 355.46 182.05 Td (ferences, significant common stock investments in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 172.45 Td (unconsolidated financial institutions and MSRs. Goodwill \(including goodwill embedded in the valuation of significant common stock investments in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 162.85 Td (unconsolidated financial institutions\) is fully deducted in arriving at Common Equity ) Tj ET Q q 0 0 0 rg BT 337.25 162.85 Td (T) Tj ET Q q 0 0 0 rg BT 341.86 162.85 Td (ier 1 Capital commencing January 1, 2014. ) Tj ET Q q 0 0 0 rg BT 481.46 162.85 Td (The amount of other ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 153.25 Td (intangible assets, aside from MSRs, not deducted in arriving at Common Equity ) Tj ET Q q 0 0 0 rg BT 321.04 153.25 Td (T) Tj ET Q q 0 0 0 rg BT 325.65 153.25 Td (ier 1 Capital are risk-weighted at 100%, as are the excess over the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 143.65 Td (10%/15% limitations for DT) Tj ET Q q 0 0 0 rg BT 154.13 143.65 Td (As arising from temporary dif) Tj ET Q q 0 0 0 rg BT 249.96 143.65 Td (ferences, significant common stock investments in unconsolidated financial institutions and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 134.05 Td (MSRs prior to full implementation of the U.S. Basel III rules. Upon full implementation, the amount of temporary dif) Tj ET Q q 0 0 0 rg BT 439.23 134.05 Td (ference DT) Tj ET Q q 0 0 0 rg BT 474.79 134.05 Td (As, significant common ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 124.45 Td (stock investments in unconsolidated financial institutions and MSRs not deducted in arriving at Common Equity ) Tj ET Q q 0 0 0 rg BT 425.26 124.45 Td (T) Tj ET Q q 0 0 0 rg BT 429.86 124.45 Td (ier 1 Capital are risk-weighted at 250%. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 114.85 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 114.85 Td (Includes the phase-in of Common Equity ) Tj ET Q q 0 0 0 rg BT 196.61 114.85 Td (T) Tj ET Q q 0 0 0 rg BT 201.21 114.85 Td (ier 1 Capital deductions related to DT) Tj ET Q q 0 0 0 rg BT 321.43 114.85 Td (As arising from net operating loss, foreign tax credit and general business ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 105.25 Td (credit carry-forwards and defined benefit pension plan net assets; and the phase-in of the Common Equity ) Tj ET Q q 0 0 0 rg BT 403.64 105.25 Td (T) Tj ET Q q 0 0 0 rg BT 408.25 105.25 Td (ier 1 Capital adjustment for cumulative ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 95.65 Td (unrealized net gains \(losses\) related to changes in fair value of financial liabilities attributable to Citi) Tj ET Q q 0 0 0 rg BT 387.11 95.65 Td (s own creditworthiness.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 86.05 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 86.05 Td (T) Tj ET Q q 0 0 0 rg BT 67.33 86.05 Td (o the extent ) Tj ET Q q 0 0 0 rg BT 106.21 86.05 Td (Additional ) Tj ET Q q 0 0 0 rg BT 142.28 86.05 Td (T) Tj ET Q q 0 0 0 rg BT 146.89 86.05 Td (ier 1 Capital is not suf) Tj ET Q q 0 0 0 rg BT 217.62 86.05 Td (ficient to absorb regulatory capital adjustments and deductions, such excess is to be applied against ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 76.45 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 117.97 76.45 Td (T) Tj ET Q q 0 0 0 rg BT 122.57 76.45 Td (ier 1 Capital. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 66.85 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 66.85 Td (Includes the phase-out from Common Equity ) Tj ET Q q 0 0 0 rg BT 209.50 66.85 Td (T) Tj ET Q q 0 0 0 rg BT 214.10 66.85 Td (ier 1 Capital of adjustments related to unrealized gains \(losses\) on available-for) Tj ET Q q 0 0 0 rg BT 467.86 66.85 Td (-sale \(AFS\) debt securities; ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 57.25 Td (unrealized gains on ) Tj ET Q q 0 0 0 rg BT 126.76 57.25 Td (AFS equity securities; unrealized gains \(losses\) on held-to-maturity \(HTM\) securities included in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 440.02 57.25 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 522.81 57.25 Td (ehensive ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 63.00 47.65 Td (income \(loss\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 105.88 47.65 Td ( \(AOCI\); and defined benefit plans liability adjustment. ) Tj ET Q endstream endobj 77 0 obj <> endobj 78 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (36) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 50.74 742.25 Td (ier 1 Leverage Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 730.25 Td (Under the U.S. Basel III rules, Citi, as with principally all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 718.25 Td (U.S. banking or) Tj ET Q q 0 0 0 rg BT 108.15 718.25 Td (ganizations, is also required to maintain a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 706.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 86.21 706.25 Td (T) Tj ET Q q 0 0 0 rg BT 91.97 706.25 Td (ier 1 Leverage ratio of 4%. ) Tj ET Q q 0 0 0 rg BT 202.01 706.25 Td (The ) Tj ET Q q 0 0 0 rg BT 219.88 706.25 Td (T) Tj ET Q q 0 0 0 rg BT 225.63 706.25 Td (ier 1 Leverage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 694.25 Td (ratio, a non-risk-based measure of capital adequacy) Tj ET Q q 0 0 0 rg BT 250.09 694.25 Td (, is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 682.25 Td (defined as ) Tj ET Q q 0 0 0 rg BT 88.13 682.25 Td (T) Tj ET Q q 0 0 0 rg BT 93.89 682.25 Td (ier 1 Capital as a percentage of quarterly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 670.25 Td (adjusted average total assets less amounts deducted from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 658.25 Td (T) Tj ET Q q 0 0 0 rg BT 50.76 658.25 Td (ier 1 Capital. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 634.25 Td (Supplementary Leverage Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 622.25 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 87.49 622.25 Td (Approaches banking or) Tj ET Q q 0 0 0 rg BT 180.61 622.25 Td (ganizations are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 610.25 Td (additionally required to calculate a Supplementary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 598.25 Td (Leverage ratio, which significantly dif) Tj ET Q q 0 0 0 rg BT 198.37 598.25 Td (fers from the ) Tj ET Q q 0 0 0 rg BT 252.34 598.25 Td (T) Tj ET Q q 0 0 0 rg BT 258.10 598.25 Td (ier 1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 586.25 Td (Leverage ratio by also including certain of) Tj ET Q q 0 0 0 rg BT 214.75 586.25 Td (f-balance sheet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 574.25 Td (exposures within the denominator of the ratio \(T) Tj ET Q q 0 0 0 rg BT 238.42 574.25 Td (otal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 562.25 Td (Leverage Exposure\). ) Tj ET Q q 0 0 0 rg BT 130.61 562.25 Td (The Supplementary Leverage ratio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 550.25 Td (represents end of period ) Tj ET Q q 0 0 0 rg BT 143.67 550.25 Td (T) Tj ET Q q 0 0 0 rg BT 149.43 550.25 Td (ier 1 Capital to ) Tj ET Q q 0 0 0 rg BT 211.46 550.25 Td (T) Tj ET Q q 0 0 0 rg BT 216.87 550.25 Td (otal Leverage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 538.25 Td (Exposure, with the latter defined as the sum of the daily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 526.25 Td (average of on-balance sheet assets for the quarter and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 514.25 Td (average of certain of) Tj ET Q q 0 0 0 rg BT 127.27 514.25 Td (f-balance sheet exposures calculated as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 502.25 Td (of the last day of each month in the quarter) Tj ET Q q 0 0 0 rg BT 216.48 502.25 Td (, less applicable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 490.25 Td (T) Tj ET Q q 0 0 0 rg BT 50.76 490.25 Td (ier 1 Capital deductions. ) Tj ET Q q 0 0 0 rg BT 150.46 490.25 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 192.94 490.25 Td (Approaches banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 478.25 Td (or) Tj ET Q q 0 0 0 rg BT 53.15 478.25 Td (ganizations will be required to maintain a stated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 466.25 Td (minimum Supplementary Leverage ratio of 3% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 454.25 Td (commencing on January 1, 2018, but commenced publicly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 442.25 Td (disclosing this ratio on January 1, 2015. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 430.25 Td (Further) Tj ET Q q 0 0 0 rg BT 92.04 430.25 Td (, U.S. GSIBs, and their subsidiary insured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 418.25 Td (depository institutions, including Citi and Citibank, are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 406.25 Td (subject to enhanced Supplementary Leverage ratio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 394.25 Td (standards. ) Tj ET Q q 0 0 0 rg BT 87.59 394.25 Td (The enhanced Supplementary Leverage ratio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 382.25 Td (standards establish a 2% leverage buf) Tj ET Q q 0 0 0 rg BT 195.04 382.25 Td (fer for U.S. GSIBs in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 370.25 Td (addition to the stated 3% minimum Supplementary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 358.25 Td (Leverage ratio requirement in the U.S. Basel III rules. If a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 346.25 Td (U.S. GSIB fails to exceed the 2% leverage buf) Tj ET Q q 0 0 0 rg BT 230.87 346.25 Td (fer) Tj ET Q q 0 0 0 rg BT 241.57 346.25 Td (, it will be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 334.25 Td (subject to increasingly onerous restrictions \(depending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 322.25 Td (upon the extent of the shortfall\) regarding capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 310.25 Td (distributions and discretionary executive bonus payments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 298.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 94.34 298.25 Td (, U.S. GSIBs are ef) Tj ET Q q 0 0 0 rg BT 171.09 298.25 Td (fectively subject to a 5% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 286.25 Td (minimum Supplementary Leverage ratio requirement. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 274.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 94.90 274.25 Td (, insured depository institution subsidiaries of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 262.25 Td (U.S. GSIBs, such as Citibank, are required to maintain a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 250.25 Td (Supplementary Leverage ratio of 6% to be considered well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 238.25 Td (capitalized under the revised Prompt Corrective ) Tj ET Q q 0 0 0 rg BT 242.71 238.25 Td (Action ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 226.25 Td (\(PCA\) framework established by the U.S. Basel III rules. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 214.25 Td (Citi and Citibank are required to be compliant with these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 202.25 Td (higher ef) Tj ET Q q 0 0 0 rg BT 80.63 202.25 Td (fective minimum ratio requirements on January 1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 190.25 Td (2018.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 166.25 Td (Prompt Corrective ) Tj ET Q q 0 0 0 rg BT 122.95 166.25 Td (Action Framework) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 154.25 Td (The U.S. Basel III rules revised the PCA) Tj ET Q q 0 0 0 rg BT 207.47 154.25 Td ( regulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 142.25 Td (applicable to insured depository institutions in certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 130.25 Td (respects. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 118.25 Td (In general, the PCA) Tj ET Q q 0 0 0 rg BT 141.87 118.25 Td ( regulations direct the U.S. banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 106.25 Td (agencies to enforce increasingly strict limitations on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 94.25 Td (activities of insured depository institutions that fail to meet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 82.25 Td (certain regulatory capital thresholds. ) Tj ET Q q 0 0 0 rg BT 193.37 82.25 Td (The PCA) Tj ET Q q 0 0 0 rg BT 230.32 82.25 Td ( framework ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 70.25 Td (contains five categories of capital adequacy as measured by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 58.25 Td (risk-based capital and leverage ratios: \(i\) well capitalized; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 46.25 Td (\(ii\) adequately capitalized; \(iii\) undercapitalized; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 742.10 Td (\(iv\) significantly undercapitalized; and \(v\) critically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 730.10 Td (undercapitalized.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 718.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 388.84 718.10 Td (, beginning January 1, 2015, an insured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 706.10 Td (depository institution, such as Citibank, must maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 694.10 Td (minimum Common Equity ) Tj ET Q q 0 0 0 rg BT 431.60 694.10 Td (T) Tj ET Q q 0 0 0 rg BT 437.36 694.10 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 491.61 694.10 Td (T) Tj ET Q q 0 0 0 rg BT 497.36 694.10 Td (ier 1 Capital, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 682.10 Td (T) Tj ET Q q 0 0 0 rg BT 326.91 682.10 Td (otal Capital, and ) Tj ET Q q 0 0 0 rg BT 395.04 682.10 Td (T) Tj ET Q q 0 0 0 rg BT 400.80 682.10 Td (ier 1 Leverage ratios of 6.5%, 8%, 10% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 670.10 Td (and 5%, respectively) Tj ET Q q 0 0 0 rg BT 404.43 670.10 Td (, to be considered well capitalized. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 658.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 371.40 658.10 Td (, ) Tj ET Q q 0 0 0 rg BT 375.85 658.10 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 418.34 658.10 Td (Approaches insured depository ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 646.10 Td (institutions, such as Citibank, must maintain a minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 634.10 Td (Supplementary Leverage ratio of 6%, ef) Tj ET Q q 0 0 0 rg BT 481.81 634.10 Td (fective January 1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 622.10 Td (2018, to be considered well capitalized.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 321.50 598.10 Td (Capital Planning and Stress T) Tj ET Q q 0 0 0 rg BT 445.06 598.10 Td (esting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 586.10 Td (Citi is subject to an annual assessment by the Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 574.10 Td (Reserve Board as to whether Citi has ef) Tj ET Q q 0 0 0 rg BT 479.88 574.10 Td (fective capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 562.10 Td (planning processes as well as suf) Tj ET Q q 0 0 0 rg BT 453.23 562.10 Td (ficient regulatory capital to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 550.10 Td (absorb losses during stressful economic and financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 538.10 Td (conditions, while also meeting obligations to creditors and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 526.10 Td (counterparties and continuing to serve as a credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 514.10 Td (intermediary) Tj ET Q q 0 0 0 rg BT 371.94 514.10 Td (. ) Tj ET Q q 0 0 0 rg BT 376.76 514.10 Td (This annual assessment includes two related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 502.10 Td (programs: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 478.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 478.10 Td (The Comprehensive Capital ) Tj ET Q q 0 0 0 rg BT 453.64 478.10 Td (Analysis and Review ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 466.10 Td (\(CCAR\) evaluates Citi) Tj ET Q q 0 0 0 rg BT 433.38 466.10 Td (s capital adequacy) Tj ET Q q 0 0 0 rg BT 506.02 466.10 Td (, capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 454.10 Td (adequacy process, and its planned capital distributions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 442.10 Td (such as dividend payments and common stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 430.10 Td (repurchases. ) Tj ET Q q 0 0 0 rg BT 391.15 430.10 Td (As part of CCAR, the Federal Reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 418.10 Td (Board assesses whether Citi has suf) Tj ET Q q 0 0 0 rg BT 481.79 418.10 Td (ficient capital to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 406.10 Td (continue operations throughout times of economic and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 394.10 Td (financial market stress and whether Citi has robust, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 382.10 Td (forward-looking capital planning processes that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 370.10 Td (account for its unique risks. ) Tj ET Q q 0 0 0 rg BT 452.63 370.10 Td (The Federal Reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 358.10 Td (Board may object to Citi) Tj ET Q q 0 0 0 rg BT 441.15 358.10 Td (s annual capital plan based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 346.10 Td (either quantitative or qualitative grounds. If the Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 334.10 Td (Reserve Board objects to Citi) Tj ET Q q 0 0 0 rg BT 460.03 334.10 Td (s annual capital plan, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 322.10 Td (may not undertake any capital distribution unless the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 310.10 Td (Federal Reserve Board indicates in writing that it does ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 298.10 Td (not object to the distribution. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 274.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 274.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 390.33 274.10 Td (Act Stress ) Tj ET Q q 0 0 0 rg BT 433.48 274.10 Td (T) Tj ET Q q 0 0 0 rg BT 438.89 274.10 Td (esting \(DF) Tj ET Q q 0 0 0 rg BT 480.65 274.10 Td (AST\) is a forward-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 262.10 Td (looking quantitative evaluation of the impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 250.10 Td (stressful economic and financial market conditions on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 238.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 357.28 238.10 Td (s regulatory capital. ) Tj ET Q q 0 0 0 rg BT 438.74 238.10 Td (This program serves to inform ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 226.10 Td (the Federal Reserve Board, the financial companies, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 214.10 Td (and the general public, how Citi) Tj ET Q q 0 0 0 rg BT 470.58 214.10 Td (s regulatory capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 202.10 Td (ratios might change using a hypothetical set of adverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 190.10 Td (economic conditions as designed by the Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 178.10 Td (Reserve Board. In addition to the annual supervisory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 166.10 Td (stress test conducted by the Federal Reserve Board, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 154.10 Td (Citi is required to conduct annual company-run stress ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 142.10 Td (tests under the same three supervisory scenarios as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 130.10 Td (well as conduct a mid-cycle stress test under company-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 118.10 Td (developed scenarios.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 94.10 Td (Both CCAR and DF) Tj ET Q q 0 0 0 rg BT 420.16 94.10 Td (AST) Tj ET Q q 0 0 0 rg BT 438.87 94.10 Td ( include an estimate of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 82.10 Td (projected revenues, losses, reserves, certain pro forma ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 70.10 Td (regulatory capital ratios \(i.e., Common Equity ) Tj ET Q q 0 0 0 rg BT 508.22 70.10 Td (T) Tj ET Q q 0 0 0 rg BT 513.98 70.10 Td (ier 1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 58.10 Td (Capital, ) Tj ET Q q 0 0 0 rg BT 355.20 58.10 Td (T) Tj ET Q q 0 0 0 rg BT 360.96 58.10 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 415.21 58.10 Td (T) Tj ET Q q 0 0 0 rg BT 420.62 58.10 Td (otal Capital, and ) Tj ET Q q 0 0 0 rg BT 488.75 58.10 Td (T) Tj ET Q q 0 0 0 rg BT 494.51 58.10 Td (ier 1 Leverage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 46.10 Td (ratios\), and any other additional capital measures deemed ) Tj ET Q endstream endobj 79 0 obj <> endobj 80 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 742.10 Td (relevant by Citi. Projections are required over a nine-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 730.10 Td (quarter planning horizon under baseline conditions and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 718.10 Td (under a range of stressed scenarios. ) Tj ET Q q 0 0 0 rg BT 188.56 718.10 Td (All risk-based capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 706.10 Td (ratios reflect application of the Standardized ) Tj ET Q q 0 0 0 rg BT 224.38 706.10 Td (Approach ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 694.10 Td (framework only and the transition arrangements under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 682.10 Td (U.S. Basel III rules. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 670.10 Td (In November 2015, the Federal Reserve Board released ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 658.10 Td (a final rule, which for purposes of CCAR, adopted tar) Tj ET Q q 0 0 0 rg BT 260.04 658.10 Td (geted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 646.10 Td (amendments to its capital plan and stress test rules. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 634.10 Td (Ef) Tj ET Q q 0 0 0 rg BT 54.26 634.10 Td (fective January 1, 2016, the final rule removed all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 622.10 Td (requirements related to the ) Tj ET Q q 0 0 0 rg BT 154.22 622.10 Td (T) Tj ET Q q 0 0 0 rg BT 159.98 622.10 Td (ier 1 Common Capital ratio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 610.10 Td (\(originally defined in conjunction with the 2009 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 598.10 Td (Supervisory Capital ) Tj ET Q q 0 0 0 rg BT 126.66 598.10 Td (Assessment Program\), as it has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 586.10 Td (ef) Tj ET Q q 0 0 0 rg BT 52.59 586.10 Td (fectively been replaced by the Common Equity ) Tj ET Q q 0 0 0 rg BT 243.74 586.10 Td (T) Tj ET Q q 0 0 0 rg BT 249.49 586.10 Td (ier 1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 574.10 Td (Capital ratio requirement subsequent to the implementation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 562.10 Td (of the U.S. Basel III rules. Moreover) Tj ET Q q 0 0 0 rg BT 191.50 562.10 Td (, the final rule delayed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 550.10 Td (the use of the Supplementary Leverage ratio until the 2017 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 538.10 Td (capital planning cycle, and deferred the use of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 526.10 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 87.49 526.10 Td (Approaches framework indefinitely) Tj ET Q q 0 0 0 rg BT 229.56 526.10 Td (. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 514.10 Td (additional information regarding CCAR, see Risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 502.10 Td (FactorsRegulatory Risks below) Tj ET Q q 0 0 0 rg BT 184.33 502.10 Td (. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 321.50 742.25 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 363.55 742.25 Td (s Capital Resources Under Current Regulatory ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 321.50 730.25 Td (Standards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 718.25 Td (During 2015 and thereafter) Tj ET Q q 0 0 0 rg BT 429.67 718.25 Td (, Citi is required to maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 706.25 Td (stated minimum Common Equity ) Tj ET Q q 0 0 0 rg BT 457.43 706.25 Td (T) Tj ET Q q 0 0 0 rg BT 463.18 706.25 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 517.43 706.25 Td (T) Tj ET Q q 0 0 0 rg BT 523.19 706.25 Td (ier 1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 694.25 Td (Capital and ) Tj ET Q q 0 0 0 rg BT 369.64 694.25 Td (T) Tj ET Q q 0 0 0 rg BT 375.05 694.25 Td (otal Capital ratios of 4.5%, 6% and 8%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 682.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 369.16 682.25 Td (. ) Tj ET Q q 0 0 0 rg BT 373.98 682.25 Td (The stated minimum Common Equity ) Tj ET Q q 0 0 0 rg BT 527.96 682.25 Td (T) Tj ET Q q 0 0 0 rg BT 533.71 682.25 Td (ier 1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 670.25 Td (Capital and ) Tj ET Q q 0 0 0 rg BT 369.64 670.25 Td (T) Tj ET Q q 0 0 0 rg BT 375.40 670.25 Td (ier 1 Capital ratio requirements in 2014 were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 658.25 Td (4% and 5.5%, respectively) Tj ET Q q 0 0 0 rg BT 427.76 658.25 Td (, while the stated minimum ) Tj ET Q q 0 0 0 rg BT 539.23 658.25 Td (T) Tj ET Q q 0 0 0 rg BT 544.64 658.25 Td (otal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 646.25 Td (Capital ratio requirement of 8% remained unchanged. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 634.25 Td ( Furthermore, to be well capitalized under current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 622.25 Td (federal bank regulatory agency definitions, a bank holding) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 610.25 Td (company must have a ) Tj ET Q q 0 0 0 rg BT 410.74 610.25 Td (T) Tj ET Q q 0 0 0 rg BT 416.50 610.25 Td (ier 1 Capital ratio of at least 6%, a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 598.25 Td (T) Tj ET Q q 0 0 0 rg BT 326.91 598.25 Td (otal Capital ratio of at least 10%, and not be subject to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 586.25 Td (Federal Reserve Board directive to maintain higher capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 574.25 Td (levels. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 562.25 Td (The following tables set forth the capital tiers, total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 550.25 Td (risk-weighted assets, risk-based capital ratios, quarterly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 538.25 Td (adjusted average total assets, ) Tj ET Q q 0 0 0 rg BT 439.33 538.25 Td (T) Tj ET Q q 0 0 0 rg BT 444.74 538.25 Td (otal Leverage Exposure and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 526.25 Td (leverage ratios under current regulatory standards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 514.25 Td (\(reflecting Basel III ) Tj ET Q q 0 0 0 rg BT 402.67 514.25 Td (T) Tj ET Q q 0 0 0 rg BT 408.42 514.25 Td (ransition ) Tj ET Q q 0 0 0 rg BT 445.37 514.25 Td (Arrangements\) for Citi as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 502.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.08 502.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.52 502.25 Td (December31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.11 502.25 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 478.10 Td (Citigroup Capital Components and Ratios Under Current Regulatory Standards \(Basel III T) Tj ET Q q 0 0 0 rg BT 424.99 478.10 Td (ransition ) Tj ET Q q 0 0 0 rg BT 464.36 478.10 Td (Arrangements\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 45.00 409.60 284.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 409.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 409.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 409.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 409.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.00 409.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.00 381.60 284.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 381.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 381.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 381.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 381.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.00 381.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.00 353.60 284.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 353.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 353.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 353.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 353.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.00 353.60 56.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 453.6 m 387 453.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 453.6 m 445 453.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 453.6 m 449 453.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 453.6 m 505 453.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 453.6 m 561 453.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45 423.6 m 329 423.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 453.6 m 387 453.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 453.6 m 445 453.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 453.6 m 449 423.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 453.6 m 449 453.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 453.6 m 505 453.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 423.6 m 505 423.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 453.6 m 561 453.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45 423.6 m 329 423.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 423.6 m 387 423.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 423.6 m 445 423.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 423.6 m 449 409.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 423.6 m 449 423.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 423.6 m 505 423.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 423.6 m 561 423.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 409.6 m 449 395.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 395.6 m 449 381.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45 367.6 m 329 367.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 367.6 m 387 367.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 367.6 m 445 367.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 381.6 m 449 367.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 367.6 m 449 367.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 367.6 m 505 367.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 367.6 m 561 367.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 367.6 m 449 353.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 367.6 m 449 353.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 353.6 m 449 339.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 353.6 m 449 339.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 45 325.6 m 329 325.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 329 325.6 m 387 325.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 387 325.6 m 445 325.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 339.6 m 449 325.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 445 325.6 m 449 325.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 339.6 m 449 325.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 449 325.6 m 505 325.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 505 325.6 m 561 325.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.20 458.05 Td (December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.70 458.06 Td (December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 536.43 462.14 Td (\(1\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 50.50 427.85 Td (In millions of dollars, except ratios) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.20 437.05 Td (Advanced) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 334.55 428.05 Td (Approaches) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.70 437.05 Td (Standardized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.30 428.05 Td (Approach) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.25 437.06 Td (Advanced) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 428.06 Td (Approaches) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 437.06 Td (Standardized ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.30 428.06 Td (Approach) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 546.79 432.14 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.50 414.06 Td (Common Equity Tier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.50 414.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.25 414.05 Td (173,862) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 414.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.25 414.05 Td (173,862) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 414.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.75 414.06 Td (166,663) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 414.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.75 414.06 Td (166,663) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.50 400.06 Td (Tier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.25 400.05 Td (176,420) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.25 400.05 Td (176,420) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.75 400.06 Td (166,663) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.75 400.06 Td (166,663) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.50 386.06 Td (T) Tj ET Q q 0 0 0 rg BT 55.37 386.06 Td (otal Capital \(T) Tj ET Q q 0 0 0 rg BT 107.54 386.06 Td (ier 1 Capital + ) Tj ET Q q 0 0 0 rg BT 161.44 386.06 Td (T) Tj ET Q q 0 0 0 rg BT 166.62 386.06 Td (ier 2 Capital\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 214.10 390.14 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.25 386.05 Td (198,746) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.25 386.05 Td (211,115) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.75 386.06 Td (184,959) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.75 386.06 Td (197,707) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.50 372.06 Td (Total Risk-Weighted Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.50 372.05 Td (1,190,853) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.50 372.05 Td (1,138,711) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.00 372.06 Td (1,274,672) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 372.06 Td (1,211,358) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.50 358.06 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 112.34 358.06 Td (T) Tj ET Q q 0 0 0 rg BT 117.52 358.06 Td (ier 1 Capital ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 180.75 362.14 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 358.05 Td (14.60) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.50 358.05 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.25 358.05 Td (15.27) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.50 358.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 358.06 Td (13.07) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 358.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.75 358.06 Td (13.76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.00 358.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.50 344.06 Td (T) Tj ET Q q 0 0 0 rg BT 55.68 344.06 Td (ier 1 Capital ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 118.91 348.14 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 344.05 Td (14.81) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.25 344.05 Td (15.49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 344.06 Td (13.07) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.75 344.06 Td (13.76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.50 330.06 Td (T) Tj ET Q q 0 0 0 rg BT 55.37 330.06 Td (otal Capital ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 115.85 334.14 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 330.05 Td (16.69) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.25 330.05 Td (18.54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 330.06 Td (14.51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.75 330.06 Td (16.32) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 45.00 288.60 284.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 288.60 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 288.60 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 288.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 288.60 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.00 288.60 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.00 258.60 284.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 258.60 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 258.60 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 258.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 258.60 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.00 258.60 56.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45 288.6 m 329 288.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 288.6 m 387 288.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 288.6 m 445 288.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 288.6 m 449 288.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 288.6 m 505 288.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 288.6 m 561 288.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 288.6 m 387 288.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 288.6 m 445 288.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 288.6 m 449 288.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 288.6 m 449 273.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45 258.6 m 329 258.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 258.6 m 387 258.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 258.6 m 445 258.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 258.6 m 449 258.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 273.6 m 449 258.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 258.6 m 505 258.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505 258.6 m 561 258.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 258.6 m 449 243.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 45 228.60000000000002 m 329 228.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 329 228.60000000000002 m 387 228.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 387 228.60000000000002 m 445 228.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 445 228.60000000000002 m 449 228.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 243.60000000000002 m 449 228.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 449 228.60000000000002 m 505 228.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 505 228.60000000000002 m 561 228.60000000000002 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 50.50 292.85 Td (In millions of dollars, except ratios) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.20 293.05 Td (December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.70 293.06 Td (December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 536.43 297.14 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.50 278.06 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 86.74 278.06 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 120.99 278.06 Td (A) Tj ET Q q 0 0 0 rg BT 126.82 278.06 Td (verage ) Tj ET Q q 0 0 0 rg BT 152.89 278.06 Td (T) Tj ET Q q 0 0 0 rg BT 157.76 278.06 Td (otal ) Tj ET Q q 0 0 0 rg BT 173.01 278.06 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 196.51 282.14 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 278.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.50 278.05 Td (1,732,933) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 278.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 278.06 Td (1,849,325) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.50 263.06 Td (T) Tj ET Q q 0 0 0 rg BT 55.37 263.06 Td (otal Leverage Exposure) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 140.83 267.14 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 147.65 263.06 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.50 263.05 Td (2,326,072) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 263.06 Td (2,518,115) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.50 248.06 Td (Tier 1 Leverage ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.25 248.05 Td (10.18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.50 248.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.25 248.06 Td (9.01) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.00 248.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.50 233.06 Td (Supplementary Leverage ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.75 233.05 Td (7.58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.25 233.06 Td (6.62) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 209.90 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 209.90 Td (Restated to reflect the retrospective adoption of ) Tj ET Q q 0 0 0 rg BT 216.50 209.90 Td (ASU 2014-01 for Low Income Housing ) Tj ET Q q 0 0 0 rg BT 346.12 209.90 Td (T) Tj ET Q q 0 0 0 rg BT 350.45 209.90 Td (ax Credit \(LIHTC\) investments, consistent with current period ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 200.30 Td (presentation. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 190.70 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 190.70 Td (Pro forma presentation to reflect the application of the Basel III 2015 Standardized ) Tj ET Q q 0 0 0 rg BT 329.80 190.70 Td (Approach, consistent with current period presentation. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 181.10 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 181.10 Td (Under the ) Tj ET Q q 0 0 0 rg BT 96.32 181.10 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 130.31 181.10 Td (Approaches framework eligible credit reserves that exceed expected credit losses are eligible for inclusion in ) Tj ET Q q 0 0 0 rg BT 480.47 181.10 Td (T) Tj ET Q q 0 0 0 rg BT 485.07 181.10 Td (ier 2 Capital to the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 171.50 Td (extent the excess reserves do not exceed 0.6% of credit risk-weighted assets, which dif) Tj ET Q q 0 0 0 rg BT 340.32 171.50 Td (fers from the Standardized ) Tj ET Q q 0 0 0 rg BT 426.95 171.50 Td (Approach in which the allowance for ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 161.90 Td (credit losses is eligible for inclusion in ) Tj ET Q q 0 0 0 rg BT 188.39 161.90 Td (T) Tj ET Q q 0 0 0 rg BT 193.00 161.90 Td (ier 2 Capital up to 1.25% of credit risk-weighted assets, with any excess allowance for credit losses being deducted ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 152.30 Td (in arriving at credit risk-weighted assets. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 142.70 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 142.70 Td (As of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 82.55 142.70 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 145.42 142.70 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 160.97 142.70 Td (December31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 223.84 142.70 Td (, Citi) Tj ET Q q 0 0 0 rg BT 242.07 142.70 Td (s reportable Common Equity ) Tj ET Q q 0 0 0 rg BT 336.57 142.70 Td (T) Tj ET Q q 0 0 0 rg BT 341.18 142.70 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 384.58 142.70 Td (T) Tj ET Q q 0 0 0 rg BT 389.18 142.70 Td (ier 1 Capital, and ) Tj ET Q q 0 0 0 rg BT 446.13 142.70 Td (T) Tj ET Q q 0 0 0 rg BT 450.46 142.70 Td (otal Capital ratios were the lower ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 133.10 Td (derived under the Basel III ) Tj ET Q q 0 0 0 rg BT 150.30 133.10 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 184.29 133.10 Td (Approaches framework.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 123.50 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 123.50 Td (T) Tj ET Q q 0 0 0 rg BT 67.61 123.50 Td (ier 1 Leverage ratio denominator) Tj ET Q q 0 0 0 rg BT 172.45 123.50 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 113.90 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 113.90 Td (Supplementary Leverage ratio denominator) Tj ET Q q 0 0 0 rg BT 201.84 113.90 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 92.30 Td (As indicated in the table above, Citigroup) Tj ET Q q 0 0 0 rg BT 232.68 92.30 Td (s capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 80.30 Td (ratios at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.43 80.30 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.02 80.30 Td ( were in excess of the stated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 68.30 Td (minimum requirements under the U.S. Basel III rules. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 56.30 Td (addition, Citi was also well capitalized under current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 92.30 Td (federal bank regulatory agency definitions as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 80.30 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.08 80.30 Td (. ) Tj ET Q endstream endobj 81 0 obj <> endobj 82 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (38) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 742.25 Td (Components of Citigroup Capital Under Current Regulatory Standards) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 730.25 Td (\(Basel III ) Tj ET Q q 0 0 0 rg BT 87.41 730.25 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 130.09 730.25 Td (Approaches with T) Tj ET Q q 0 0 0 rg BT 207.50 730.25 Td (ransition ) Tj ET Q q 0 0 0 rg BT 246.88 730.25 Td (Arrangements\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 681.75 385.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 681.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 681.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 653.75 385.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 653.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 653.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 625.75 385.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 625.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 625.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 597.75 385.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 597.75 66.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 597.75 66.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 559.75 385.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 559.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 559.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 522.75 385.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 522.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 522.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 484.75 385.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 484.75 66.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 484.75 66.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 437.75 385.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 437.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 437.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 409.75 385.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 409.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 409.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 381.75 385.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 381.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 381.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 353.75 385.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 353.75 66.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 353.75 66.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 315.75 385.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 315.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 315.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 277.75 385.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 277.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 277.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 239.75 385.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 239.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 239.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 211.75 385.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 211.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 211.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 183.75 385.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 183.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 183.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 155.75 385.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 155.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 155.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 127.75 385.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 127.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 127.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 99.75 385.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 99.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 99.75 66.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 695.75 m 429.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 695.75 m 495.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 695.75 m 561.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 695.75 m 429.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 695.75 m 495.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 695.75 m 561.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 437.75 m 429.5 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 437.75 m 495.5 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 437.75 m 561.5 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 437.75 m 429.5 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 423.75 m 429.5 423.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 437.75 m 495.5 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 423.75 m 495.5 423.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 437.75 m 561.5 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 423.75 m 561.5 423.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 423.75 m 429.5 423.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 423.75 m 495.5 423.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 423.75 m 561.5 423.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 239.75 m 429.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 239.75 m 495.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 239.75 m 561.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 239.75 m 429.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 225.75 m 429.5 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 239.75 m 495.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 225.75 m 495.5 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 239.75 m 561.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 225.75 m 561.5 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 225.75 m 429.5 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 211.75 m 429.5 211.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 225.75 m 495.5 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 211.75 m 495.5 211.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 225.75 m 561.5 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 211.75 m 561.5 211.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 211.75 m 429.5 211.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 211.75 m 495.5 211.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 211.75 m 561.5 211.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 113.75 m 429.5 113.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 113.75 m 495.5 113.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 113.75 m 561.5 113.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 113.75 m 429.5 113.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 99.75 m 429.5 99.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 113.75 m 495.5 113.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 99.75 m 495.5 99.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 113.75 m 561.5 113.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 99.75 m 561.5 99.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 99.75 m 429.5 99.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 85.75 m 429.5 85.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 99.75 m 495.5 99.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 85.75 m 495.5 85.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 99.75 m 561.5 99.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 85.75 m 561.5 85.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 50.00 700.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.80 711.00 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 700.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.75 711.01 Td (December 31, ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.55 700.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 533.55 704.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 686.20 Td (Common Equity Tier 1 Capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 672.21 Td (Citigroup common stockholders) Tj ET Q q 0 0 0 rg BT 168.32 672.21 Td ( equity) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 193.06 676.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 672.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.40 672.20 Td (205,286) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 672.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.40 672.21 Td (199,841) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 658.21 Td (Add: Qualifying noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.15 658.20 Td (369) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.15 658.21 Td (539) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 644.20 Td (Regulatory Capital Adjustments and Deductions:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 630.21 Td (Less: Net unrealized gains \(losses\) on securities ) Tj ET Q q 0 0 0 rg BT 224.20 630.21 Td (AFS, net of tax) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 279.20 634.29 Td (\(3\)\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.15 630.20 Td (\(544) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.65 630.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.65 630.21 Td (46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 616.21 Td (Less: Defined benefit plans liability adjustment, net of tax) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 259.20 620.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.40 616.20 Td (\(3,070) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.65 616.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.40 616.21 Td (\(4,127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.65 616.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 602.21 Td (Less: ) Tj ET Q q 0 0 0 rg BT 70.75 602.21 Td (Accumulated net unrealized losses on cash flow hedges, net of tax) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 309.42 606.29 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.15 602.20 Td (\(617) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.65 602.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.15 602.21 Td (\(909) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.65 602.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 589.01 Td (Less: Cumulative unrealized net gain related to changes in fair value of financial liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 578.21 Td ( attributable to own creditworthiness, net of tax) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 224.96 582.29 Td (\(4\)\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.15 578.20 Td (176) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.65 578.21 Td (56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 564.21 Td (Less: Intangible assets:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 550.21 Td ( Goodwill, net of related deferred tax liabilities \(DTLs\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 253.18 554.29 Td (\(7\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.90 550.20 Td (21,980) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.90 550.21 Td (22,805) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 56.00 536.21 Td (Identifiable intangible assets other than mortgage servicing rights \(MSRs\), net of related ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 56.00 527.21 Td ( DTLs) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 83.75 531.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.40 527.20 Td (1,434) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.15 527.21 Td (875) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 513.21 Td (Less: Defined benefit pension plan net assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 211.96 517.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.15 513.20 Td (318) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.15 513.21 Td (187) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 500.01 Td (Less: Deferred tax assets \(DT) Tj ET Q q 0 0 0 rg BT 156.24 500.01 Td (As\) arising from net operating loss, foreign tax credit and general) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 489.21 Td ( business credit carry-forwards) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 165.71 493.29 Td (\(4\)\(8\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.40 489.20 Td (9,464) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.40 489.21 Td (4,725) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 476.01 Td (Less: Excess over 10%/15% limitations for other DT) Tj ET Q q 0 0 0 rg BT 239.99 476.01 Td (As, certain common stock investments,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 465.21 Td ( and MSRs) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 94.26 469.29 Td (\(4\)\(8\)\(9\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.40 465.20 Td (2,652) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.40 465.21 Td (1,977) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 451.21 Td (Less: Deductions applied to Common Equity ) Tj ET Q q 0 0 0 rg BT 214.32 451.21 Td (T) Tj ET Q q 0 0 0 rg BT 219.50 451.21 Td (ier 1 Capital due to insuf) Tj ET Q q 0 0 0 rg BT 308.57 451.21 Td (ficient amount of ) Tj ET Q q 0 0 0 rg BT 372.30 451.21 Td (Additional ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 442.21 Td ( ) Tj ET Q q 0 0 0 rg BT 56.59 442.21 Td (T) Tj ET Q q 0 0 0 rg BT 61.77 442.21 Td (ier 1 Capital to cover deductions) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 178.98 446.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.65 442.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.40 442.21 Td (8,082) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 428.20 Td (Total Common Equity Tier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 428.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.40 428.20 Td (173,862) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 428.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.40 428.21 Td (166,663) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 414.20 Td (Additional Tier 1 Capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 400.21 Td (Qualifying perpetual preferred stock) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 181.19 404.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 400.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.90 400.20 Td (16,571) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 400.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.90 400.21 Td (10,344) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 386.21 Td (Qualifying trust preferred securities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 178.70 390.29 Td (\(10\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.40 386.20 Td (1,707) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.40 386.21 Td (1,719) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 372.21 Td (Qualifying noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.65 372.20 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.15 372.21 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 358.20 Td (Regulatory Capital Adjustment and Deductions:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 345.01 Td (Less: Cumulative unrealized net gain related to changes in fair value of financial liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 334.21 Td ( attributable to own creditworthiness, net of tax) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 224.96 338.29 Td (\(4\)\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.15 334.20 Td (265) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.15 334.21 Td (223) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 320.21 Td (Less: Minimum regulatory capital requirements of insurance underwriting subsidiaries) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 361.92 324.29 Td (\(1) Tj ET Q BT /F1 5.85 Tf ET q 0 0 0 rg BT 366.57 324.29 Td (1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.15 320.20 Td (229) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.15 320.21 Td (279) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 306.21 Td (Less: Defined benefit pension plan net assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 211.96 310.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.15 306.20 Td (476) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.15 306.21 Td (749) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 293.01 Td (Less: DT) Tj ET Q q 0 0 0 rg BT 82.52 293.01 Td (As arising from net operating loss, foreign tax credit and general) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 282.21 Td ( business credit carry-forwards) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 165.71 286.29 Td (\(4\)\(8\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.90 282.20 Td (14,195) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.90 282.21 Td (18,901) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 268.21 Td (Less: Permitted ownership interests in covered funds) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 240.46 272.29 Td (\(12\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.15 268.20 Td (567) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.65 268.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 255.01 Td (Less: Deductions applied to Common Equity ) Tj ET Q q 0 0 0 rg BT 214.32 255.01 Td (T) Tj ET Q q 0 0 0 rg BT 219.50 255.01 Td (ier 1 Capital due to insuf) Tj ET Q q 0 0 0 rg BT 308.57 255.01 Td (ficient amount of ) Tj ET Q q 0 0 0 rg BT 372.30 255.01 Td (Additional ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 244.21 Td ( ) Tj ET Q q 0 0 0 rg BT 56.59 244.21 Td (T) Tj ET Q q 0 0 0 rg BT 61.77 244.21 Td (ier 1 Capital to cover deductions) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 178.98 248.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.65 244.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.40 244.21 Td (\(8,082) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.65 244.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 230.20 Td (Total Additional Tier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 230.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.40 230.20 Td (2,558) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 230.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.65 230.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 216.20 Td (Total Tier 1 Capital \(Common Equity Tier 1 Capital + Additional Tier 1 Capital\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 216.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.40 216.20 Td (176,420) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 216.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.40 216.21 Td (166,663) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 202.20 Td (Tier 2 Capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 188.21 Td (Qualifying subordinated debt) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 155.48 192.29 Td (\(13\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 188.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.90 188.20 Td (21,370) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 188.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.90 188.21 Td (17,386) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 174.21 Td (Qualifying noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.65 174.20 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.65 174.21 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 160.21 Td (Excess of eligible credit reserves over expected credit losses) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 267.41 164.29 Td (\(14\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.40 160.20 Td (1,163) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.40 160.21 Td (1,177) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 146.20 Td (Regulatory Capital Adjustment and Deduction:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 132.21 Td (Add: Unrealized gains on AFS equity exposures includable in Tier 2 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.15 132.20 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.65 132.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 118.21 Td (Less: Minimum regulatory capital requirements of insurance underwriting subsidiaries) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 361.92 122.29 Td (\(1) Tj ET Q BT /F1 5.85 Tf ET q 0 0 0 rg BT 366.57 122.29 Td (1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.15 118.20 Td (229) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.15 118.21 Td (279) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 104.20 Td (Total Tier 2 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 104.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.90 104.20 Td (22,326) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 104.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.90 104.21 Td (18,296) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 90.20 Td (Total Capital \(Tier 1 Capital + Tier 2 Capital\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 90.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.40 90.20 Td (198,746) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 90.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.40 90.21 Td (184,959) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 83 0 obj <> endobj 84 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (39) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 742.25 Td (Citigroup Risk-W) Tj ET Q q 0 0 0 rg BT 116.78 742.25 Td (eighted ) Tj ET Q q 0 0 0 rg BT 148.90 742.25 Td (Assets Under Current Regulatory Standards ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 54.00 730.25 Td (\(Basel III ) Tj ET Q q 0 0 0 rg BT 96.41 730.25 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 139.09 730.25 Td (Approaches with T) Tj ET Q q 0 0 0 rg BT 216.50 730.25 Td (ransition ) Tj ET Q q 0 0 0 rg BT 255.88 730.25 Td (Arrangements\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 681.75 381.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 681.75 68.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 681.75 68.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 655.75 381.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 655.75 68.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 655.75 68.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 695.75 m 425.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 695.75 m 493.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 695.75 m 561.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 695.75 m 425.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 695.75 m 493.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 695.75 m 561.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 655.75 m 425.5 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 655.75 m 493.5 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 655.75 m 561.5 655.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 655.75 m 425.5 655.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 642.75 m 425.5 642.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 655.75 m 493.5 655.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 642.75 m 493.5 642.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 655.75 m 561.5 655.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 642.75 m 561.5 642.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 50.00 700.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.80 711.00 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 700.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.75 711.01 Td (December 31, ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.55 700.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 532.55 704.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 686.21 Td (Credit Risk) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 91.25 690.29 Td (\(15\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.00 687.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.75 687.15 Td (791,036) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 687.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 687.01 Td (861,691) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 673.01 Td (Market Risk) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.25 673.15 Td (74,817) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 673.01 Td (100,481) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 660.01 Td (Operational Risk) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.75 660.15 Td (325,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 660.01 Td (312,500) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 647.15 Td (Total Risk-Weighted Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.00 647.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 647.15 Td (1,190,853) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 647.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 647.01 Td (1,274,672) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 624.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 624.05 Td (Restated to reflect the retrospective adoption of ) Tj ET Q q 0 0 0 rg BT 216.50 624.05 Td (ASU 2014-01 for LIHTC investments, consistent with current period presentation. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 614.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 614.45 Td (Issuance costs of $147 million and $124 million related to preferred stock outstanding at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 348.27 614.45 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.14 614.45 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.69 614.45 Td (December31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 489.55 614.45 Td (, respectively) Tj ET Q q 0 0 0 rg BT 531.68 614.45 Td (, are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 604.85 Td (excluded from common stockholders) Tj ET Q q 0 0 0 rg BT 183.93 604.85 Td ( equity and netted against preferred stock in accordance with Federal Reserve Board regulatory reporting ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 595.25 Td (requirements, which dif) Tj ET Q q 0 0 0 rg BT 139.05 595.25 Td (fer from those under U.S. GAAP) Tj ET Q q 0 0 0 rg BT 243.71 595.25 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 585.65 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 585.65 Td (In addition, includes the net amount of unamortized loss on HTM securities. ) Tj ET Q q 0 0 0 rg BT 309.03 585.65 Td (This amount relates to securities that were previously transferred from ) Tj ET Q q 0 0 0 rg BT 535.62 585.65 Td (AFS to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 576.05 Td (HTM, and non-credit related factors such as changes in interest rates and liquidity spreads for HTM securities with other) Tj ET Q q 0 0 0 rg BT 449.17 576.05 Td (-than-temporary impairment. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 566.45 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 566.45 Td (The transition arrangements for significant regulatory capital adjustments and deductions impacting Common Equity ) Tj ET Q q 0 0 0 rg BT 439.43 566.45 Td (T) Tj ET Q q 0 0 0 rg BT 444.04 566.45 Td (ier 1 Capital and/or ) Tj ET Q q 0 0 0 rg BT 507.57 566.45 Td (Additional ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 556.85 Td (T) Tj ET Q q 0 0 0 rg BT 67.61 556.85 Td (ier 1 Capital are set forth above in the chart entitled Basel III ) Tj ET Q q 0 0 0 rg BT 267.60 556.85 Td (T) Tj ET Q q 0 0 0 rg BT 272.21 556.85 Td (ransition ) Tj ET Q q 0 0 0 rg BT 301.76 556.85 Td (Arrangements: Significant Regulatory Capital ) Tj ET Q q 0 0 0 rg BT 450.62 556.85 Td (Adjustments and Deductions.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 547.25 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 547.25 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 117.97 547.25 Td (T) Tj ET Q q 0 0 0 rg BT 122.57 547.25 Td (ier 1 Capital is adjusted for accumulated net unrealized gains \(losses\) on cash flow hedges included in ) Tj ET Q q 0 0 0 rg BT 450.70 547.25 Td (AOCI that relate to the hedging of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 537.65 Td (items not recognized at fair value on the balance sheet.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 528.05 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 528.05 Td (The cumulative impact of changes in Citigroup) Tj ET Q q 0 0 0 rg BT 216.29 528.05 Td (s own creditworthiness in valuing liabilities for which the fair value option has been elected and own-credit ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 518.45 Td (valuation adjustments on derivatives are excluded from Common Equity ) Tj ET Q q 0 0 0 rg BT 297.25 518.45 Td (T) Tj ET Q q 0 0 0 rg BT 301.85 518.45 Td (ier 1 Capital, in accordance with the U.S. Basel III rules. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 508.85 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 508.85 Td (Includes goodwill embedded in the valuation of significant common stock investments in unconsolidated financial institutions. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 499.25 Td (\(8\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 499.25 Td (Of Citi) Tj ET Q q 0 0 0 rg BT 87.67 499.25 Td (s approximately $47.8 billion of net DT) Tj ET Q q 0 0 0 rg BT 214.34 499.25 Td (As at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.00 499.25 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 295.87 499.25 Td (, approximately $22.9 billion of such assets were includable in regulatory capital ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 489.65 Td (pursuant to the U.S. Basel III rules, while approximately $24.9 billion of such assets were excluded in arriving at regulatory capital. Comprising the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 480.05 Td (excluded net DT) Tj ET Q q 0 0 0 rg BT 115.67 480.05 Td (As was an aggregate of approximately $26.3 billion of net DT) Tj ET Q q 0 0 0 rg BT 313.87 480.05 Td (As arising from net operating loss, foreign tax credit and general business ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 470.45 Td (credit carry-forwards as well as temporary dif) Tj ET Q q 0 0 0 rg BT 209.46 470.45 Td (ferences, of which $12.1 billion were deducted from Common Equity ) Tj ET Q q 0 0 0 rg BT 434.14 470.45 Td (T) Tj ET Q q 0 0 0 rg BT 438.75 470.45 Td (ier 1 Capital and $14.2 billion were ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 460.85 Td (deducted from ) Tj ET Q q 0 0 0 rg BT 110.98 460.85 Td (Additional ) Tj ET Q q 0 0 0 rg BT 147.06 460.85 Td (T) Tj ET Q q 0 0 0 rg BT 151.66 460.85 Td (ier 1 Capital. In addition, approximately $1.4 billion of net DTLs, primarily consisting of DTLs associated with goodwill and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 451.25 Td (certain other intangible assets, partially of) Tj ET Q q 0 0 0 rg BT 197.03 451.25 Td (fset by DT) Tj ET Q q 0 0 0 rg BT 230.61 451.25 Td (As related to cash flow hedges, are permitted to be excluded prior to deriving the amount of net DT) Tj ET Q q 0 0 0 rg BT 548.31 451.25 Td (As ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 441.65 Td (subject to deduction under these rules. Separately) Tj ET Q q 0 0 0 rg BT 220.88 441.65 Td (, under the U.S. Basel III rules, goodwill and these other intangible assets are deducted net of associated ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 432.05 Td (DTLs in arriving at Common Equity ) Tj ET Q q 0 0 0 rg BT 181.95 432.05 Td (T) Tj ET Q q 0 0 0 rg BT 186.56 432.05 Td (ier 1 Capital, while Citi) Tj ET Q q 0 0 0 rg BT 264.10 432.05 Td (s current cash flow hedges and the related deferred tax ef) Tj ET Q q 0 0 0 rg BT 446.54 432.05 Td (fects are not required to be ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 422.45 Td (reflected in regulatory capital. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 412.85 Td (\(9\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 412.85 Td (Assets subject to 10%/15% limitations include MSRs, DT) Tj ET Q q 0 0 0 rg BT 248.13 412.85 Td (As arising from temporary dif) Tj ET Q q 0 0 0 rg BT 343.96 412.85 Td (ferences and significant common stock investments in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 403.25 Td (unconsolidated financial institutions. ) Tj ET Q q 0 0 0 rg BT 182.54 403.25 Td (At ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 192.54 403.25 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 255.41 403.25 Td ( and December 31, 2014, the deduction related only to DT) Tj ET Q q 0 0 0 rg BT 441.38 403.25 Td (As arising from temporary ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 393.65 Td (dif) Tj ET Q q 0 0 0 rg BT 71.74 393.65 Td (ferences that exceeded the 10% limitation. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 384.05 Td (\(10\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 384.05 Td (Represents Citigroup Capital XIII trust preferred securities, which are permanently grandfathered as ) Tj ET Q q 0 0 0 rg BT 385.63 384.05 Td (T) Tj ET Q q 0 0 0 rg BT 390.23 384.05 Td (ier 1 Capital under the U.S. Basel III rules, as well as ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 374.45 Td (non-grandfathered trust preferred securities which are eligible for inclusion in an amount up to 25% and 50%, respectively) Tj ET Q q 0 0 0 rg BT 454.79 374.45 Td (, during 2015 and 2014, of the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 364.85 Td (aggregate outstanding principal amounts of such issuances as of January 1, 2014. ) Tj ET Q q 0 0 0 rg BT 324.57 364.85 Td (The remaining 75% and 50% of non-grandfathered trust preferred ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 355.25 Td (securities are eligible for inclusion in ) Tj ET Q q 0 0 0 rg BT 183.71 355.25 Td (T) Tj ET Q q 0 0 0 rg BT 188.31 355.25 Td (ier 2 Capital during 2015 and 2014, respectively) Tj ET Q q 0 0 0 rg BT 342.42 355.25 Td (, in accordance with the transition arrangements for non-qualifying ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 345.65 Td (capital instruments under the U.S. Basel III rules. ) Tj ET Q q 0 0 0 rg BT 222.74 345.65 Td (As of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.30 345.65 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 305.16 345.65 Td ( and December 31, 2014, however) Tj ET Q q 0 0 0 rg BT 414.80 345.65 Td (, the entire amount of non-grandfathered trust ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 336.05 Td (preferred securities was included within ) Tj ET Q q 0 0 0 rg BT 192.81 336.05 Td (T) Tj ET Q q 0 0 0 rg BT 197.41 336.05 Td (ier 1 Capital, as the amounts outstanding did not exceed the respective threshold for exclusion from ) Tj ET Q q 0 0 0 rg BT 517.85 336.05 Td (T) Tj ET Q q 0 0 0 rg BT 522.46 336.05 Td (ier 1 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 326.45 Td (Capital.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 316.85 Td (\(1) Tj ET Q q 0 0 0 rg BT 51.37 316.85 Td (1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 316.85 Td (50% of the minimum regulatory capital requirements of insurance underwriting subsidiaries must be deducted from each of ) Tj ET Q q 0 0 0 rg BT 460.29 316.85 Td (T) Tj ET Q q 0 0 0 rg BT 464.90 316.85 Td (ier 1 Capital and ) Tj ET Q q 0 0 0 rg BT 519.85 316.85 Td (T) Tj ET Q q 0 0 0 rg BT 524.45 316.85 Td (ier 2 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 307.25 Td (Capital.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 297.65 Td (\(12\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 297.65 Td (Ef) Tj ET Q q 0 0 0 rg BT 70.41 297.65 Td (fective July 2015, banking entities are required to be in compliance with the so-called V) Tj ET Q q 0 0 0 rg BT 354.84 297.65 Td (olcker Rule of the Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 458.59 297.65 Td (Act that prohibits conducting ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 288.05 Td (certain proprietary investment activities and limits their ownership of, and relationships with, covered funds.) Tj ET Q q 0 0 0 rg BT 412.02 288.05 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 451.49 288.05 Td (, Citi is required by the V) Tj ET Q q 0 0 0 rg BT 535.55 288.05 Td (olcker ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 278.45 Td (Rule to deduct from ) Tj ET Q q 0 0 0 rg BT 132.61 278.45 Td (T) Tj ET Q q 0 0 0 rg BT 137.22 278.45 Td (ier 1 Capital all permitted ownership interests in covered funds that were acquired after December 31, 2013. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 268.85 Td (\(13\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 268.85 Td (Under the transition arrangements of the U.S. Basel III rules, non-qualifying subordinated debt issuances which consist of those with a fixed-to-floating ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 259.25 Td (rate step-up feature where the call/step-up date has not passed are eligible for inclusion in ) Tj ET Q q 0 0 0 rg BT 351.41 259.25 Td (T) Tj ET Q q 0 0 0 rg BT 356.02 259.25 Td (ier 2 Capital during 2015 and 2014 up to 25% and 50%, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 249.65 Td (respectively) Tj ET Q q 0 0 0 rg BT 101.13 249.65 Td (, of the aggregate outstanding principal amounts of such issuances as of January 1, 2014. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 240.05 Td (\(14\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 240.05 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 96.99 240.05 Td (Approaches banking or) Tj ET Q q 0 0 0 rg BT 171.49 240.05 Td (ganizations are permitted to include in ) Tj ET Q q 0 0 0 rg BT 296.19 240.05 Td (T) Tj ET Q q 0 0 0 rg BT 300.80 240.05 Td (ier 2 Capital eligible credit reserves that exceed expected credit losses to the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 230.45 Td (extent that the excess reserves do not exceed 0.6% of credit risk-weighted assets. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 220.85 Td (\(15\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 220.85 Td (Under the U.S. Basel III rules, credit risk-weighted assets during the transition period reflect the ef) Tj ET Q q 0 0 0 rg BT 378.76 220.85 Td (fects of transitional arrangements related to regulatory ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 211.25 Td (capital adjustments and deductions and, as a result, will dif) Tj ET Q q 0 0 0 rg BT 251.48 211.25 Td (fer from credit risk-weighted assets derived under full implementation of the rules. ) Tj ET Q endstream endobj 85 0 obj <> endobj 86 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (40) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 742.25 Td (Citigroup Capital Rollforward Under Current Regulatory Standards ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 730.25 Td ( \(Basel III ) Tj ET Q q 0 0 0 rg BT 94.91 730.25 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 137.59 730.25 Td (Approaches with T) Tj ET Q q 0 0 0 rg BT 215.00 730.25 Td (ransition ) Tj ET Q q 0 0 0 rg BT 254.38 730.25 Td (Arrangements\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 695.75 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 695.75 89.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 695.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 667.75 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 667.75 89.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 667.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 639.75 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 639.75 89.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 639.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 611.75 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 611.75 89.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 611.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 583.75 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 583.75 89.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 583.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 545.75 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 545.75 89.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 545.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 507.75 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 507.75 89.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 507.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 469.75 335.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 469.75 89.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 469.75 93.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 421.75 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 421.75 89.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 421.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 393.75 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 393.75 89.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 393.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 365.75 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 365.75 89.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 365.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 337.75 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 337.75 89.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 337.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 299.75 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 299.75 89.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 299.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 261.75 335.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 261.75 89.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 261.75 93.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 222.75 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 222.75 89.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 222.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 194.75 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 194.75 89.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 194.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 166.75 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 166.75 89.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 166.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 138.75 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 138.75 89.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 138.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 110.75 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 110.75 89.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 110.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 82.75 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 82.75 89.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 82.75 93.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 695.75 m 379.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 695.75 m 468.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 695.75 m 561.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 695.75 m 379.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 695.75 m 468.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 695.75 m 561.5 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 407.75 m 379.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 407.75 m 468.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 407.75 m 561.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 407.75 m 379.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 393.75 m 379.5 393.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 407.75 m 468.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 393.75 m 468.5 393.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 407.75 m 561.5 407.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 393.75 m 561.5 393.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 393.75 m 379.5 393.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 379.75 m 379.5 379.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 393.75 m 468.5 393.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 379.75 m 468.5 379.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 393.75 m 561.5 393.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 379.75 m 561.5 379.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 379.75 m 379.5 379.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 379.75 m 468.5 379.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 379.75 m 561.5 379.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 208.75 m 468.5 208.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 208.75 m 561.5 208.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 208.75 m 379.5 208.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 194.75 m 379.5 194.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 208.75 m 468.5 208.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 194.75 m 468.5 194.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 194.75 m 379.5 194.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 180.75 m 379.5 180.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 194.75 m 468.5 194.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 180.75 m 468.5 180.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 194.75 m 561.5 194.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 180.75 m 561.5 180.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 180.75 m 379.5 180.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 180.75 m 468.5 180.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 180.75 m 561.5 180.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 110.75 m 379.5 110.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 96.75 m 379.5 96.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 110.75 m 468.5 110.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 96.75 m 468.5 96.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 110.75 m 561.5 110.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 96.75 m 561.5 96.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 96.75 m 379.5 96.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 82.75 m 379.5 82.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 96.75 m 468.5 96.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 82.75 m 468.5 82.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 96.75 m 561.5 96.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 82.75 m 561.5 82.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 82.75 m 379.5 82.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 68.75 m 379.5 68.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 82.75 m 468.5 82.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 68.75 m 468.5 68.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 82.75 m 561.5 82.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 68.75 m 561.5 68.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 50.00 700.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.55 711.00 Td (Three Months Ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.05 700.20 Td (December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.55 711.00 Td (T) Tj ET Q q 0 0 0 rg BT 476.88 711.00 Td (welve Months Ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.65 700.20 Td (December) Tj ET Q q 0 0 0 rg BT 514.71 700.20 Td ( 31, 2015) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 548.46 704.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 686.20 Td (Common Equity Tier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 672.20 Td (Balance, beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 672.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.75 672.20 Td (173,345) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.00 672.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 528.75 672.20 Td (166,663) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 658.21 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.75 658.20 Td (3,335) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.25 658.20 Td (17,242) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 644.21 Td (Dividends declared) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.50 644.20 Td (\(415) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.00 644.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 644.20 Td (\(1,253) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 644.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 47.00 630.21 Td ( Treasury stock acquired) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.75 630.20 Td (\(1,650) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.00 630.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 630.20 Td (\(5,452) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 630.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 616.21 Td (Net increase in additional paid-in capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 196.19 620.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.50 616.20 Td (331) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.75 616.20 Td (1,036) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 602.21 Td (Net increase in foreign currency translation adjustment net of hedges, net of tax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.50 602.20 Td (\(796) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.00 602.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 602.20 Td (\(5,499) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 602.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 588.21 Td (Net increase in unrealized losses on securities ) Tj ET Q q 0 0 0 rg BT 216.69 588.21 Td (AFS, net of tax) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 271.69 592.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.50 588.20 Td (\(453) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.00 588.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 541.50 588.20 Td (\(374) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 588.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 574.21 Td (Net increase in defined benefit plans liability adjustment, net of tax) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 292.17 578.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 574.20 Td (\(34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.00 574.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 574.20 Td (\(1,014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 574.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 561.01 Td (Net change in cumulative unrealized net gain related to changes in fair value of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 550.21 Td ( financial liabilities attributable to own creditworthiness, net of tax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.50 550.20 Td (111) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 541.50 550.20 Td (\(120) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 550.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 536.21 Td (Net change in goodwill, net of related deferred tax liabilities \(DTLs\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.50 536.20 Td (\(248) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.00 536.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.50 536.20 Td (825) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 523.01 Td (Net change in identifiable intangible assets other than mortgage servicing rights \(MSRs\),) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 512.21 Td ( net of related DTLs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.50 512.20 Td (130) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 541.50 512.20 Td (\(559) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 512.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 498.21 Td (Net change in defined benefit pension plan net assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 498.20 Td (44) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 541.50 498.20 Td (\(131) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 498.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 485.01 Td (Net increase in deferred tax assets \(DT) Tj ET Q q 0 0 0 rg BT 189.21 485.01 Td (As\) arising from net operating loss, foreign) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 474.21 Td ( tax credit and general business credit carry-forwards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.50 474.20 Td (\(146) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.00 474.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 474.20 Td (\(4,739) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 474.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 461.01 Td (Net change in excess over 10%/15% limitations for other DT) Tj ET Q q 0 0 0 rg BT 269.47 461.01 Td (As, certain common stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 450.21 Td ( investments and MSRs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.50 450.20 Td (312) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 541.50 450.20 Td (\(675) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 450.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 437.01 Td (Net decrease in regulatory capital deduction applied to Common Equity ) Tj ET Q q 0 0 0 rg BT 310.76 437.01 Td (T) Tj ET Q q 0 0 0 rg BT 315.94 437.01 Td (ier 1 Capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 426.21 Td ( due to insuf) Tj ET Q q 0 0 0 rg BT 101.33 426.21 Td (ficient ) Tj ET Q q 0 0 0 rg BT 126.07 426.21 Td (Additional ) Tj ET Q q 0 0 0 rg BT 166.66 426.21 Td (T) Tj ET Q q 0 0 0 rg BT 171.84 426.21 Td (ier 1 Capital to cover deductions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 426.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.75 426.20 Td (8,082) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 412.21 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 412.20 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.00 412.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 541.50 412.20 Td (\(170) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 412.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 398.20 Td (Net increase in Common Equity Tier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 398.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.50 398.20 Td (517) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.00 398.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.75 398.20 Td (7,199) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 384.20 Td (Common Equity Tier 1 Capital Balance, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 384.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.75 384.20 Td (173,862) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.00 384.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 528.75 384.20 Td (173,862) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 370.20 Td (Additional Tier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 356.20 Td (Balance, beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 356.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.50 356.20 Td (931) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.00 356.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.00 356.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 342.21 Td (Net increase in qualifying perpetual preferred stock) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 235.42 346.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.75 342.20 Td (1,495) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.75 342.20 Td (6,227) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 328.21 Td (Net decrease in qualifying trust preferred securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 328.20 Td (\(9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.00 328.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.00 328.20 Td (\(12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 328.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 315.01 Td (Net change in cumulative unrealized net gain related to changes in fair value of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 304.21 Td ( financial liabilities attributable to own creditworthiness, net of tax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.50 304.20 Td (165) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.00 304.20 Td (\(42) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 304.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 290.21 Td (Net decrease in defined benefit pension plan net assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 290.20 Td (66) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.50 290.20 Td (273) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 277.01 Td (Net change in DT) Tj ET Q q 0 0 0 rg BT 113.51 277.01 Td (As arising from net operating loss, foreign tax credit and general ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 266.21 Td ( business credit carry-forwards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.50 266.20 Td (\(218) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.00 266.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.75 266.20 Td (4,706) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 251.21 Td (Net change in permitted ownership interests in covered funds) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.50 251.20 Td (111) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 541.50 251.20 Td (\(567) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 251.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 238.01 Td (Net decrease in regulatory capital deduction applied to Common Equity ) Tj ET Q q 0 0 0 rg BT 310.76 238.01 Td (T) Tj ET Q q 0 0 0 rg BT 315.94 238.01 Td (ier 1 Capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 227.21 Td ( due to insuf) Tj ET Q q 0 0 0 rg BT 101.33 227.21 Td (ficient ) Tj ET Q q 0 0 0 rg BT 126.07 227.21 Td (Additional ) Tj ET Q q 0 0 0 rg BT 166.66 227.21 Td (T) Tj ET Q q 0 0 0 rg BT 171.84 227.21 Td (ier 1 Capital to cover deductions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 227.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 227.20 Td (\(8,082) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 227.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 213.21 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 213.20 Td (17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.00 213.20 Td (55) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 199.20 Td (Net increase in Additional Tier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 199.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.75 199.20 Td (1,627) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.00 199.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.75 199.20 Td (2,558) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 185.20 Td (Tier 1 Capital Balance, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 185.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.75 185.20 Td (176,420) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.00 185.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 528.75 185.20 Td (176,420) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 171.20 Td (Tier 2 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 157.20 Td (Balance, beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 157.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.25 157.20 Td (21,353) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.00 157.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.25 157.20 Td (18,296) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 143.21 Td (Net increase in qualifying subordinated debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.50 143.20 Td (349) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.75 143.20 Td (3,984) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 129.21 Td (Net change in excess of eligible credit reserves over expected credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.50 129.20 Td (606) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.00 129.20 Td (\(14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 129.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 115.21 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 115.20 Td (18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.00 115.20 Td (60) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 101.20 Td (Net increase in Tier 2 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 101.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.50 101.20 Td (973) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.00 101.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.75 101.20 Td (4,030) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 87.20 Td (Tier 2 Capital Balance, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 87.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.25 87.20 Td (22,326) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.00 87.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.25 87.20 Td (22,326) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 73.20 Td (Total Capital \(Tier 1 Capital + Tier 2 Capital\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 73.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.75 73.20 Td (198,746) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.00 73.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 528.75 73.20 Td (198,746) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 87 0 obj <> endobj 88 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (41) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 743.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 743.50 Td (The beginning balance of Common Equity ) Tj ET Q q 0 0 0 rg BT 201.49 743.50 Td (T) Tj ET Q q 0 0 0 rg BT 206.10 743.50 Td (ier 1 Capital for the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 270.74 743.50 Td (twelve months ended) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.73 743.50 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 340.73 743.50 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 403.59 743.50 Td ( has been restated to reflect the retrospective ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 733.90 Td (adoption of ) Tj ET Q q 0 0 0 rg BT 101.22 733.90 Td (ASU 2014-01 for LIHTC investments, consistent with current period presentation. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 724.30 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 724.30 Td (Primarily represents an increase in additional paid-in capital related to employee benefit plans.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 714.70 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 714.70 Td (Presented net of impact of transition arrangements related to unrealized gains \(losses\) on securities ) Tj ET Q q 0 0 0 rg BT 380.68 714.70 Td (AFS and defined benefit plans liability adjustment ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 705.10 Td (under the U.S. Basel III rules. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 695.50 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 695.50 Td (Citi issued approximately $1.5 billion and approximately $6.3 billion of qualifying perpetual preferred stock during the three and twelve months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 685.90 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 125.87 685.90 Td (, respectively) Tj ET Q q 0 0 0 rg BT 168.00 685.90 Td (, which were partially of) Tj ET Q q 0 0 0 rg BT 246.27 685.90 Td (fset by the netting of issuance costs of $4 million and $23 million during those respective periods.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 664.30 Td (Citigroup Risk-W) Tj ET Q q 0 0 0 rg BT 116.78 664.30 Td (eighted ) Tj ET Q q 0 0 0 rg BT 148.90 664.30 Td (Assets Rollforward Under Current Regulatory Standards ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 54.00 652.30 Td (\(Basel III ) Tj ET Q q 0 0 0 rg BT 96.41 652.30 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 139.09 652.30 Td (Approaches with T) Tj ET Q q 0 0 0 rg BT 216.50 652.30 Td (ransition ) Tj ET Q q 0 0 0 rg BT 255.88 652.30 Td (Arrangements\) ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 617.80 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 617.80 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 617.80 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 589.80 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 589.80 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 589.80 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 561.80 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 561.80 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 561.80 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 533.80 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 533.80 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 533.80 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 505.80 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 505.80 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 505.80 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 477.80 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 477.80 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 477.80 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 449.80 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 449.80 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 449.80 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 421.80 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 421.80 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 421.80 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 393.80 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 393.80 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 393.80 94.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 617.8 m 373.5 617.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 617.8 m 467.5 617.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 617.8 m 561.5 617.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 463.8 m 373.5 463.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 449.8 m 373.5 449.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 463.8 m 467.5 463.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 449.8 m 467.5 449.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 463.8 m 561.5 463.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 449.8 m 561.5 449.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 407.8 m 373.5 407.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 393.8 m 373.5 393.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 407.8 m 467.5 407.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 393.8 m 467.5 393.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 407.8 m 561.5 407.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 393.8 m 561.5 393.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 393.8 m 373.5 393.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 379.8 m 373.5 379.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 393.8 m 467.5 393.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 379.8 m 467.5 379.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 393.8 m 561.5 393.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 379.8 m 561.5 379.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 379.8 m 373.5 379.8 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 365.8 m 373.5 365.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 379.8 m 467.5 379.8 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 365.8 m 467.5 365.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 379.8 m 561.5 379.8 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 365.8 m 561.5 365.8 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 50.00 622.05 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.05 633.05 Td (Three Months Ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.55 622.25 Td (December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.05 633.05 Td (T) Tj ET Q q 0 0 0 rg BT 476.38 633.05 Td (welve Months Ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.15 622.25 Td (December) Tj ET Q q 0 0 0 rg BT 514.21 622.25 Td ( 31, 2015) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 547.96 626.33 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 47.00 608.25 Td ( Total Risk-Weighted Assets, beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 376.00 608.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.00 608.25 Td (1,229,667) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 608.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.00 608.25 Td (1,274,672) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 594.25 Td (Changes in Credit Risk-Weighted Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 580.26 Td (Net decrease in retail exposures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 164.45 584.34 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.25 580.25 Td (\(13,856) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 580.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.25 580.25 Td (\(26,399) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 580.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 566.26 Td (Net increase in wholesale exposures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 180.45 570.34 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.75 566.25 Td (1,668) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.75 566.25 Td (1,682) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 552.26 Td (Net decrease in repo-style transactions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.50 552.25 Td (\(935) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 552.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 552.25 Td (\(2,015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 552.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 538.26 Td (Net decrease in securitization exposures) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.75 538.25 Td (\(1,843) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 538.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 538.25 Td (\(2,563) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 538.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 524.26 Td (Net increase in equity exposures) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.75 524.25 Td (1,129) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.75 524.25 Td (1,603) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 510.26 Td (Net decrease in over) Tj ET Q q 0 0 0 rg BT 123.53 510.26 Td (-the-counter \(OTC\) derivatives) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 235.48 514.34 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.75 510.25 Td (\(3,119) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 510.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 510.25 Td (\(7,002) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 510.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 496.26 Td (Net decrease in derivatives CV) Tj ET Q q 0 0 0 rg BT 160.79 496.26 Td (A) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 167.29 500.34 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.50 496.25 Td (\(789) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 496.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 496.25 Td (\(4,418) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 496.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 482.26 Td (Net decrease in other exposures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 164.45 486.34 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.75 482.25 Td (\(9,464) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 482.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.25 482.25 Td (\(27,793) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 482.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 468.26 Td (Net decrease in supervisory 6% multiplier) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 201.70 472.34 Td (\(7\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.75 468.25 Td (\(1,585) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 468.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 468.25 Td (\(3,750) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 468.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (Net decrease in Credit Risk-Weighted Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 376.00 454.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.25 454.25 Td (\(28,794) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 454.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 454.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.25 454.25 Td (\(70,655) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 454.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 440.25 Td (Changes in Market Risk-Weighted Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 426.26 Td (Net decrease in risk levels) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 144.46 430.34 Td (\(8\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 376.00 426.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.75 426.25 Td (\(7,662) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 426.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 426.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.25 426.25 Td (\(21,041) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 426.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 412.26 Td (Net decrease due to model and methodology updates) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 240.19 416.34 Td (\(9\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.75 412.25 Td (\(2,358) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 412.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 412.25 Td (\(4,623) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 412.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 398.25 Td (Net decrease in Market Risk-Weighted Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 376.00 398.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.25 398.25 Td (\(10,020) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 398.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 398.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.25 398.25 Td (\(25,664) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 398.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 384.25 Td (Incr) Tj ET Q q 0 0 0 rg BT 66.33 384.25 Td (ease in Operational Risk-W) Tj ET Q q 0 0 0 rg BT 172.09 384.25 Td (eighted ) Tj ET Q q 0 0 0 rg BT 201.84 384.25 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 225.84 388.33 Td (\(10\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 376.00 384.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.00 384.25 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 384.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.25 384.25 Td (12,500) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (Total Risk-Weighted Assets, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 376.00 370.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.00 370.25 Td (1,190,853) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 370.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.00 370.25 Td (1,190,853) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 347.10 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 347.10 Td (The beginning balance of ) Tj ET Q q 0 0 0 rg BT 146.38 347.10 Td (T) Tj ET Q q 0 0 0 rg BT 150.71 347.10 Td (otal Risk-W) Tj ET Q q 0 0 0 rg BT 188.95 347.10 Td (eighted ) Tj ET Q q 0 0 0 rg BT 214.05 347.10 Td (Assets for the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.05 347.10 Td (twelve months ended) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.03 347.10 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.03 347.10 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 392.90 347.10 Td ( has been restated to reflect the retrospective ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 337.50 Td (adoption of ) Tj ET Q q 0 0 0 rg BT 101.22 337.50 Td (ASU 2014-01 for LIHTC investments, consistent with current period presentation. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 327.90 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 327.90 Td (Retail exposures decreased during the three months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 250.94 327.90 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.80 327.90 Td ( primarily due to reductions in loans, divestitures within the Citi Holdings ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 318.30 Td (portfolio, and the impact of FX translation. Retail exposures decreased during the twelve months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 396.02 318.30 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 458.89 318.30 Td ( primarily due to reductions in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 308.70 Td (loans and commitments, divestitures within the Citi Holdings portfolio and the impact of FX translation, partially of) Tj ET Q q 0 0 0 rg BT 434.36 308.70 Td (fset by the reclassification from other ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 299.10 Td (exposures of certain non-material portfolios.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 289.50 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 289.50 Td (Wholesale exposures increased during the three months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 264.27 289.50 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 327.13 289.50 Td ( primarily due to an increase in commitments, partially of) Tj ET Q q 0 0 0 rg BT 511.38 289.50 Td (fset by the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 279.90 Td (impact of FX translation. ) Tj ET Q q 0 0 0 rg BT 145.29 279.90 Td (Wholesale exposures increased during the twelve months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 351.89 279.90 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.75 279.90 Td ( primarily due to an increase in investments ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 270.30 Td (and commitments and the reclassification from other exposures of certain non-material portfolios, lar) Tj ET Q q 0 0 0 rg BT 386.53 270.30 Td (gely of) Tj ET Q q 0 0 0 rg BT 408.82 270.30 Td (fset by the impact of FX translation.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 260.70 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 260.70 Td (OTC derivatives decreased during the three months and twelve months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.37 260.70 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 376.24 260.70 Td ( primarily driven by exposure reduction and model ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 251.10 Td (updates. Further) Tj ET Q q 0 0 0 rg BT 114.67 251.10 Td (, parameter updates also contributed to the decrease in OTC derivatives during the three months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.56 251.10 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 507.43 251.10 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 241.50 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 241.50 Td (Derivatives CV) Tj ET Q q 0 0 0 rg BT 111.96 241.50 Td (A) Tj ET Q q 0 0 0 rg BT 117.29 241.50 Td ( decreased during the three months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.13 241.50 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 315.00 241.50 Td ( primarily driven by exposure reduction and parameter and model updates. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 231.90 Td (Derivatives CV) Tj ET Q q 0 0 0 rg BT 111.96 231.90 Td (A) Tj ET Q q 0 0 0 rg BT 117.29 231.90 Td ( decreased during the twelve months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 257.47 231.90 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.34 231.90 Td ( driven by exposure reduction, credit spread changes and model updates.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 222.30 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 222.30 Td (Other exposures include cleared transactions, unsettled transactions, assets other than those reportable in specific exposure categories and non-material ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 212.70 Td (portfolios. Other exposures decreased during the three months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 285.16 212.70 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 348.02 212.70 Td ( primarily due to decreased cleared transaction exposures, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 203.10 Td (reduction of retail non-material exposures and decreases in other assets. Other exposures decreased during the twelve months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.07 203.10 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 549.94 203.10 Td ( as ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 193.50 Td (a result of the reclassification to retail exposures and wholesale exposures of certain non-material portfolios, reduction in retail non-material exposures, and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 183.90 Td (decreases in other assets.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 174.30 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 174.30 Td (Supervisory 6% multiplier does not apply to derivatives CV) Tj ET Q q 0 0 0 rg BT 253.94 174.30 Td (A. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 164.70 Td (\(8\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 164.70 Td (Risk levels decreased during the three and twelve months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 270.05 164.70 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 332.91 164.70 Td ( primarily due to a reduction in positions subject to securitization ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 155.10 Td (char) Tj ET Q q 0 0 0 rg BT 76.62 155.10 Td (ges, the ongoing assessment regarding the applicability of the market risk capital rules to certain securitization positions, and a decrease in assets ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 145.50 Td (subject to standard specific risk char) Tj ET Q q 0 0 0 rg BT 179.48 145.50 Td (ges. In addition, further contributing to the decline in risk levels during the twelve months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.52 145.50 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 553.39 145.50 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 135.90 Td (were reductions in exposure levels subject to comprehensive risk, ) Tj ET Q q 0 0 0 rg BT 274.79 135.90 Td (V) Tj ET Q q 0 0 0 rg BT 279.68 135.90 Td (alue at Risk, and Stressed ) Tj ET Q q 0 0 0 rg BT 363.52 135.90 Td (V) Tj ET Q q 0 0 0 rg BT 368.41 135.90 Td (alue at Risk.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 126.30 Td (\(9\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 126.30 Td (Risk-weighted assets declined during the three months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.73 126.30 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 323.60 126.30 Td ( due to model volatility inputs.Risk-weighted assets declined during the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 116.70 Td (twelve months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 132.98 116.70 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 195.85 116.70 Td ( due to the implementation of the V) Tj ET Q q 0 0 0 rg BT 312.34 116.70 Td (olcker Rule. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 107.10 Td (\(10\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 107.10 Td (Operational risk-weighted assets increased by $12.5 billion during the first quarter of 2015, reflecting an evaluation of ongoing events in the banking ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 97.50 Td (industry as well as continued enhancements to Citi) Tj ET Q q 0 0 0 rg BT 227.63 97.50 Td (s operational risk model.) Tj ET Q endstream endobj 89 0 obj <> endobj 90 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (42) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 742.25 Td (Capital Resources of Citigroup) Tj ET Q q 0 0 0 rg BT 175.10 742.25 Td (s Subsidiary U.S. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 730.25 Td (Depository Institutions Under Current Regulatory ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 718.25 Td (Standards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 706.25 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 86.11 706.25 Td (s subsidiary U.S. depository institutions are also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 694.25 Td (subject to regulatory capital standards issued by their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 682.25 Td (respective primary federal bank regulatory agencies, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 670.25 Td (are similar to the standards of the Federal Reserve Board. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 658.25 Td (The following tables set forth the capital tiers, total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 646.25 Td (risk-weighted assets, risk-based capital ratios, quarterly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 634.25 Td (adjusted average total assets, ) Tj ET Q q 0 0 0 rg BT 162.83 634.25 Td (T) Tj ET Q q 0 0 0 rg BT 168.24 634.25 Td (otal Leverage Exposure and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 622.25 Td (leverage ratios under current regulatory standards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 610.25 Td (\(reflecting Basel III ) Tj ET Q q 0 0 0 rg BT 126.17 610.25 Td (T) Tj ET Q q 0 0 0 rg BT 131.92 610.25 Td (ransition ) Tj ET Q q 0 0 0 rg BT 168.87 610.25 Td (Arrangements\) for Citibank, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 598.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 62.78 598.25 Td (s primary subsidiary U.S. depository institution, as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 586.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.58 586.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.02 586.25 Td (December31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.61 586.25 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 553.25 Td (Citibank Capital Components and Ratios Under Current Regulatory Standards \(Basel III T) Tj ET Q q 0 0 0 rg BT 421.10 553.25 Td (ransition ) Tj ET Q q 0 0 0 rg BT 460.47 553.25 Td (Arrangements\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 48.50 482.75 289.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 482.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 482.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 482.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 482.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 482.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.50 454.75 289.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 454.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 454.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 454.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 454.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 454.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 48.50 426.75 289.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 426.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 426.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 426.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 426.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 426.75 54.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 528.75 m 391.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 528.75 m 450.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 528.75 m 454.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 528.75 m 508.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 528.75 m 562.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 48.5 496.75 m 337.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 528.75 m 391.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 528.75 m 450.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 528.75 m 454.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 528.75 m 454.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 528.75 m 508.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 496.75 m 508.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 528.75 m 562.5 528.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 496.75 m 562.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 48.5 496.75 m 337.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 496.75 m 391.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 496.75 m 450.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 496.75 m 454.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 496.75 m 454.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 496.75 m 508.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 496.75 m 562.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 482.75 m 454.5 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 468.75 m 454.5 454.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 48.5 440.75 m 337.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 440.75 m 391.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 440.75 m 450.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 454.75 m 454.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 440.75 m 454.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 440.75 m 508.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 440.75 m 562.5 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 440.75 m 454.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 426.75 m 454.5 412.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 48.5 398.75 m 337.5 398.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 398.75 m 391.5 398.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 398.75 m 450.5 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 412.75 m 454.5 398.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 398.75 m 454.5 398.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 398.75 m 508.5 398.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 398.75 m 562.5 398.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.20 533.20 Td (December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.20 533.21 Td (December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 539.93 537.29 Td (\(1\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 501.00 Td (In millions of dollars, except ratios) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.70 510.20 Td (Advanced) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.05 501.20 Td (Approaches) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.70 510.20 Td (Standardized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.30 501.20 Td (Approach) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.75 510.21 Td (Advanced) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.50 501.21 Td (Approaches) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.50 510.21 Td (Standardized ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.80 501.21 Td (Approach) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 549.29 505.29 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.00 487.21 Td (Common Equity Tier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.00 487.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.75 487.20 Td (126,496) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 487.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 487.20 Td (126,496) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 487.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.25 487.21 Td (128,262) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.00 487.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 487.21 Td (128,262) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.00 473.21 Td (Tier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.75 473.20 Td (126,496) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 473.20 Td (126,496) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.25 473.21 Td (128,262) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 473.21 Td (128,262) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.00 459.21 Td (T) Tj ET Q q 0 0 0 rg BT 58.87 459.21 Td (otal Capital \(T) Tj ET Q q 0 0 0 rg BT 111.04 459.21 Td (ier 1 Capital + ) Tj ET Q q 0 0 0 rg BT 164.94 459.21 Td (T) Tj ET Q q 0 0 0 rg BT 170.12 459.21 Td (ier 2 Capital\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 217.60 463.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.75 459.20 Td (137,935) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 459.20 Td (148,916) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.25 459.21 Td (139,246) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 459.21 Td (151,124) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.00 445.21 Td (Total Risk-Weighted Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.75 445.20 Td (897,892) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 445.20 Td (998,181) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.25 445.21 Td (945,407) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 445.21 Td (1,044,768) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.00 431.21 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 115.84 431.21 Td (T) Tj ET Q q 0 0 0 rg BT 121.02 431.21 Td (ier 1 Capital ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 184.25 435.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 431.20 Td (14.09) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 431.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 431.20 Td (12.67) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 431.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.25 431.21 Td (13.57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.50 431.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 431.21 Td (12.28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 431.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.00 417.21 Td (T) Tj ET Q q 0 0 0 rg BT 59.18 417.21 Td (ier 1 Capital ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 122.41 421.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 417.20 Td (14.09) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 417.20 Td (12.67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.25 417.21 Td (13.57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 417.21 Td (12.28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.00 403.21 Td (T) Tj ET Q q 0 0 0 rg BT 58.87 403.21 Td (otal Capital ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 119.35 407.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 403.20 Td (15.36) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 403.20 Td (14.92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.25 403.21 Td (14.73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 403.21 Td (14.46) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 361.75 287.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.25 361.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.25 361.75 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.25 361.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.25 361.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 361.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 331.75 287.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.25 331.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.25 331.75 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.25 331.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.25 331.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.25 331.75 55.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 361.75 m 336.25 361.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.25 361.75 m 390.25 361.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.25 361.75 m 448.25 361.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.25 361.75 m 452.25 361.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.25 361.75 m 506.25 361.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 361.75 m 561.25 361.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.25 361.75 m 452.25 361.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.25 361.75 m 452.25 346.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 331.75 m 336.25 331.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.25 331.75 m 390.25 331.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.25 331.75 m 448.25 331.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.25 331.75 m 452.25 331.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.25 346.75 m 452.25 331.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.25 331.75 m 506.25 331.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 331.75 m 561.25 331.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.25 331.75 m 452.25 316.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 301.75 m 336.25 301.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.25 301.75 m 390.25 301.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 390.25 301.75 m 448.25 301.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.25 301.75 m 452.25 301.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.25 316.75 m 452.25 301.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 452.25 301.75 m 506.25 301.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 506.25 301.75 m 561.25 301.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.75 366.00 Td (In millions of dollars, except ratios) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.45 366.20 Td (December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.45 366.21 Td (December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 538.18 370.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.75 351.21 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 90.99 351.21 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 125.24 351.21 Td (A) Tj ET Q q 0 0 0 rg BT 131.07 351.21 Td (verage ) Tj ET Q q 0 0 0 rg BT 157.14 351.21 Td (T) Tj ET Q q 0 0 0 rg BT 162.01 351.21 Td (otal ) Tj ET Q q 0 0 0 rg BT 177.26 351.21 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 200.76 355.29 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.75 351.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.75 351.20 Td (1,297,733) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 351.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.25 351.21 Td (1,366,910) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.75 336.21 Td (T) Tj ET Q q 0 0 0 rg BT 59.62 336.21 Td (otal Leverage Exposure) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 145.08 340.29 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 151.90 336.21 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.75 336.20 Td (1,838,114) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.25 336.21 Td (1,954,833) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.75 321.21 Td (Tier 1 Leverage ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 321.20 Td (9.75) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.75 321.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 321.21 Td (9.38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.25 321.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.75 306.21 Td (Supplementary Leverage ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 306.20 Td (6.88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 306.21 Td (6.56) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 283.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 283.05 Td (Restated to reflect the retrospective adoption of ) Tj ET Q q 0 0 0 rg BT 216.50 283.05 Td (ASU 2014-01 for LIHTC investments, consistent with current period presentation. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 273.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 273.45 Td (Pro forma presentation to reflect the application of the Basel III 2015 Standardized ) Tj ET Q q 0 0 0 rg BT 329.80 273.45 Td (Approach, consistent with current period presentation. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 263.85 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 263.85 Td (Under the ) Tj ET Q q 0 0 0 rg BT 96.32 263.85 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 130.31 263.85 Td (Approaches framework eligible credit reserves that exceed expected credit losses are eligible for inclusion in ) Tj ET Q q 0 0 0 rg BT 480.47 263.85 Td (T) Tj ET Q q 0 0 0 rg BT 485.07 263.85 Td (ier 2 Capital to the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 254.25 Td (extent the excess reserves do not exceed 0.6% of credit risk-weighted assets, which dif) Tj ET Q q 0 0 0 rg BT 340.32 254.25 Td (fers from the Standardized ) Tj ET Q q 0 0 0 rg BT 426.95 254.25 Td (Approach in which the allowance for ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 244.65 Td (credit losses is eligible for inclusion in ) Tj ET Q q 0 0 0 rg BT 188.39 244.65 Td (T) Tj ET Q q 0 0 0 rg BT 193.00 244.65 Td (ier 2 Capital up to 1.25% of credit risk-weighted assets, with any excess allowance for credit losses being deducted ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 235.05 Td (in arriving at credit risk-weighted assets. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 225.45 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 225.45 Td (As of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 82.55 225.45 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 145.42 225.45 Td ( and December 31, 2014, Citibank) Tj ET Q q 0 0 0 rg BT 257.62 225.45 Td (s reportable Common Equity ) Tj ET Q q 0 0 0 rg BT 352.13 225.45 Td (T) Tj ET Q q 0 0 0 rg BT 356.73 225.45 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 400.13 225.45 Td (T) Tj ET Q q 0 0 0 rg BT 404.73 225.45 Td (ier 1 Capital, and ) Tj ET Q q 0 0 0 rg BT 461.68 225.45 Td (T) Tj ET Q q 0 0 0 rg BT 466.01 225.45 Td (otal Capital ratios were the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 215.85 Td (lower derived under the Basel III Standardized ) Tj ET Q q 0 0 0 rg BT 214.28 215.85 Td (Approach framework. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 206.25 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 206.25 Td (T) Tj ET Q q 0 0 0 rg BT 67.61 206.25 Td (ier 1 Leverage ratio denominator) Tj ET Q q 0 0 0 rg BT 172.45 206.25 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 196.65 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 196.65 Td (Supplementary Leverage ratio denominator) Tj ET Q q 0 0 0 rg BT 201.84 196.65 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 172.65 Td (As indicated in the table above, Citibank) Tj ET Q q 0 0 0 rg BT 228.79 172.65 Td (s capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 160.65 Td (ratios at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.43 160.65 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.02 160.65 Td ( were in excess of the stated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 148.65 Td (minimum requirements under the U.S. Basel III rules. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 136.65 Td (addition, Citibank was also well capitalized as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 124.65 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.58 124.65 Td ( under the revised PCA) Tj ET Q q 0 0 0 rg BT 216.35 124.65 Td ( regulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 112.65 Td (which became ef) Tj ET Q q 0 0 0 rg BT 112.56 112.65 Td (fective January 1, 2015. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 100.65 Td (Further) Tj ET Q q 0 0 0 rg BT 92.04 100.65 Td (, Citibank is required to conduct the annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 88.65 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 95.83 88.65 Td (Act Stress ) Tj ET Q q 0 0 0 rg BT 138.98 88.65 Td (T) Tj ET Q q 0 0 0 rg BT 144.39 88.65 Td (est. ) Tj ET Q q 0 0 0 rg BT 160.32 88.65 Td (The annual stress test consists ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 76.65 Td (of a forward looking quantitative evaluation of the impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 64.65 Td (of stressful economic and financial market conditions under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 52.65 Td (several scenarios on Citibank) Tj ET Q q 0 0 0 rg BT 165.24 52.65 Td (s regulatory capital. ) Tj ET Q q 0 0 0 rg BT 246.70 52.65 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 172.65 Td (program serves to inform the Of) Tj ET Q q 0 0 0 rg BT 450.45 172.65 Td (fice of the Comptroller of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 160.65 Td (the Currency \(OCC\) how Citibank) Tj ET Q q 0 0 0 rg BT 462.59 160.65 Td (s regulatory capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 148.65 Td (ratios might change during a hypothetical set of adverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 136.65 Td (economic conditions and to ultimately evaluate the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 124.65 Td (reliability of Citibank) Tj ET Q q 0 0 0 rg BT 410.93 124.65 Td (s capital planning process.) Tj ET Q endstream endobj 91 0 obj <> endobj 92 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (43) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 742.25 Td (Impact of Changes on Citigroup and Citibank Capital ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 730.25 Td (Ratios Under Current Regulatory Capital Standards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 718.25 Td (The following tables present the estimated sensitivity of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 706.25 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 86.11 706.25 Td (s and Citibank) Tj ET Q q 0 0 0 rg BT 146.67 706.25 Td (s capital ratios to changes of $100 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 694.25 Td (million in Common Equity ) Tj ET Q q 0 0 0 rg BT 155.38 694.25 Td (T) Tj ET Q q 0 0 0 rg BT 161.14 694.25 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 215.39 694.25 Td (T) Tj ET Q q 0 0 0 rg BT 221.14 694.25 Td (ier 1 Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 61.76 682.25 Td (T) Tj ET Q q 0 0 0 rg BT 67.17 682.25 Td (otal Capital \(numerator\), and changes of $1 billion in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 670.25 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 87.49 670.25 Td (Approaches and Standardized ) Tj ET Q q 0 0 0 rg BT 208.83 670.25 Td (Approach risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 658.25 Td (weighted assets, quarterly adjusted average total assets, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 646.25 Td (well as ) Tj ET Q q 0 0 0 rg BT 75.37 646.25 Td (T) Tj ET Q q 0 0 0 rg BT 80.78 646.25 Td (otal Leverage Exposure \(denominator\), under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 634.25 Td (current regulatory capital standards \(reflecting Basel III ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 622.25 Td (T) Tj ET Q q 0 0 0 rg BT 50.76 622.25 Td (ransition ) Tj ET Q q 0 0 0 rg BT 87.70 622.25 Td (Arrangements\), as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.34 622.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.92 622.25 Td (. ) Tj ET Q q 0 0 0 rg BT 257.74 622.25 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 742.10 Td (information is provided for the purpose of analyzing the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 730.10 Td (impact that a change in Citigroup) Tj ET Q q 0 0 0 rg BT 457.85 730.10 Td (s or Citibank) Tj ET Q q 0 0 0 rg BT 512.30 730.10 Td (s financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 718.10 Td (position or results of operations could have on these ratios. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 706.10 Td (These sensitivities only consider a single change to either a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 694.10 Td (component of capital, risk-weighted assets, quarterly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 682.10 Td (adjusted average total assets, or ) Tj ET Q q 0 0 0 rg BT 450.16 682.10 Td (T) Tj ET Q q 0 0 0 rg BT 455.57 682.10 Td (otal Leverage Exposure. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 670.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 370.84 670.10 Td (, an event that af) Tj ET Q q 0 0 0 rg BT 437.01 670.10 Td (fects more than one factor may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 658.10 Td (have a lar) Tj ET Q q 0 0 0 rg BT 360.18 658.10 Td (ger basis point impact than is reflected in these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 646.10 Td (tables.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 598.25 Td (Impact of Changes on Citigroup and Citibank Risk-Based Capital Ratios \(Basel III T) Tj ET Q q 0 0 0 rg BT 395.80 598.25 Td (ransition ) Tj ET Q q 0 0 0 rg BT 435.17 598.25 Td (Arrangements\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 497.75 103.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 497.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 497.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 497.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 497.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 497.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 497.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 470.75 103.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 470.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 470.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 470.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 470.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 470.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 470.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 442.75 103.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 442.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 442.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 442.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 442.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 442.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 442.75 69.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 564.75 m 286.5 564.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 564.75 m 355.5 564.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 564.75 m 424.5 564.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 564.75 m 493.5 564.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 497.75 m 148.5 497.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 148.5 564.75 m 217.5 564.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 148.5 497.75 m 217.5 497.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 564.75 m 286.5 497.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 497.75 m 286.5 497.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 564.75 m 286.5 497.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 497.75 m 355.5 497.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 564.75 m 424.5 497.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 497.75 m 424.5 497.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 564.75 m 424.5 497.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 497.75 m 493.5 497.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 564.75 m 562.5 564.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 497.75 m 562.5 497.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 497.75 m 286.5 484.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 497.75 m 286.5 497.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 497.75 m 286.5 484.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 497.75 m 424.5 484.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 497.75 m 424.5 497.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 497.75 m 424.5 484.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 484.75 m 286.5 470.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 484.75 m 286.5 470.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 484.75 m 424.5 470.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 484.75 m 424.5 470.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 456.75 m 148.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 148.5 456.75 m 217.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 470.75 m 286.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 456.75 m 286.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 470.75 m 286.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 456.75 m 355.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 470.75 m 424.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 456.75 m 424.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 470.75 m 424.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 456.75 m 493.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 456.75 m 562.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 456.75 m 286.5 442.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 456.75 m 286.5 442.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 456.75 m 424.5 442.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 456.75 m 424.5 442.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 442.75 m 286.5 428.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 442.75 m 286.5 428.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 442.75 m 424.5 428.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 442.75 m 424.5 428.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 414.75 m 148.5 414.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 148.5 414.75 m 217.5 414.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 428.75 m 286.5 414.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 414.75 m 286.5 414.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 428.75 m 286.5 414.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 414.75 m 355.5 414.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 428.75 m 424.5 414.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 414.75 m 424.5 414.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 428.75 m 424.5 414.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 414.75 m 493.5 414.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 414.75 m 562.5 414.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 185.10 578.20 Td (Common Equity ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 179.75 569.20 Td (T) Tj ET Q q 0 0 0 rg BT 185.59 569.20 Td (ier) Tj ET Q q 0 0 0 rg BT 195.92 569.20 Td ( 1 Capital ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.75 569.20 Td (Tier 1 Capital ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.40 569.20 Td (Total Capital ratio) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 51.00 502.00 Td (In basis points) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 163.85 556.15 Td (Impact of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 158.85 545.35 Td ($100 million) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 164.10 534.60 Td (change in) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 164.75 523.75 Td (Common ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.45 513.00 Td (Equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.65 502.20 Td (T) Tj ET Q q 0 0 0 rg BT 161.49 502.20 Td (ier) Tj ET Q q 0 0 0 rg BT 171.82 502.20 Td ( 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.85 556.15 Td (Impact of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.60 545.35 Td ($1 billion) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.10 534.60 Td (change in ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.50 523.75 Td (risk-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.25 513.00 Td (weighted ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 240.50 502.20 Td (assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.85 534.60 Td (Impact of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.85 523.80 Td ($100 million) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.10 513.05 Td (change in) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.65 502.20 Td (T) Tj ET Q q 0 0 0 rg BT 299.49 502.20 Td (ier) Tj ET Q q 0 0 0 rg BT 309.82 502.20 Td ( 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.85 556.15 Td (Impact of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.60 545.35 Td ($1 billion) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.10 534.60 Td (change in ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.50 523.75 Td (risk-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.25 513.00 Td (weighted ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.50 502.20 Td (assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.85 534.60 Td (Impact of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.85 523.80 Td ($100 million) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.10 513.05 Td (change in) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.25 502.20 Td (T) Tj ET Q q 0 0 0 rg BT 438.43 502.20 Td (otal Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.85 556.15 Td (Impact of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.60 545.35 Td ($1 billion) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.10 534.60 Td (change in ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 518.50 523.75 Td (risk-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.25 513.00 Td (weighted ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.50 502.20 Td (assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 489.15 Td (Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 475.21 Td (Advanced Approaches) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 176.85 475.21 Td (0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 245.85 475.21 Td (1.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.85 475.21 Td (0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.85 475.21 Td (1.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.85 475.21 Td (0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.85 475.21 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 461.21 Td (Standardized Approach) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 176.85 461.21 Td (0.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 245.85 461.21 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.85 461.21 Td (0.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.85 461.21 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.85 461.21 Td (0.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.85 461.21 Td (1.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 447.20 Td (Citibank) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 433.21 Td (Advanced Approaches) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 176.85 433.21 Td (1.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 245.85 433.21 Td (1.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.85 433.21 Td (1.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.85 433.21 Td (1.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.85 433.21 Td (1.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.85 433.21 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 419.21 Td (Standardized Approach) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 176.85 419.21 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 245.85 419.21 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.85 419.21 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.85 419.21 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.85 419.21 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.85 419.21 Td (1.5) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 391.25 Td (Impact of Changes on Citigroup and Citibank Leverage Ratios \(Basel III T) Tj ET Q q 0 0 0 rg BT 354.38 391.25 Td (ransition ) Tj ET Q q 0 0 0 rg BT 393.75 391.25 Td (Arrangements\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 288.75 241.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 288.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 288.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 288.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 288.75 69.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 366.75 m 424.5 366.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 366.75 m 493.5 366.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 288.75 m 286.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 366.75 m 355.5 366.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 288.75 m 355.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 366.75 m 424.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 288.75 m 424.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 366.75 m 424.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 288.75 m 493.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 366.75 m 562.5 366.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 288.75 m 424.5 274.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 288.75 m 424.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 288.75 m 424.5 274.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 288.75 m 562.5 288.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 260.75 m 286.5 260.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 260.75 m 355.5 260.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 274.75 m 424.5 260.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 260.75 m 424.5 260.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 274.75 m 424.5 260.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 260.75 m 493.5 260.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 260.75 m 562.5 260.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.30 371.20 Td (Tier 1 Leverage ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.25 371.20 Td (Supplementary Leverage ratio) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 51.00 293.00 Td (In basis points) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.85 325.60 Td (Impact of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.85 314.80 Td ($100 million) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.10 304.05 Td (change in) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.65 293.20 Td (T) Tj ET Q q 0 0 0 rg BT 299.49 293.20 Td (ier) Tj ET Q q 0 0 0 rg BT 309.82 293.20 Td ( 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.85 358.00 Td (Impact of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.60 347.20 Td ($1 billion) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.10 336.45 Td (change in ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.25 325.60 Td (quarterly ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.95 314.85 Td (adjusted ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.60 304.05 Td (average total ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.50 293.20 Td (assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.85 325.60 Td (Impact of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.85 314.80 Td ($100 million) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.10 304.05 Td (change in) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.65 293.20 Td (T) Tj ET Q q 0 0 0 rg BT 437.49 293.20 Td (ier) Tj ET Q q 0 0 0 rg BT 447.82 293.20 Td ( 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.85 347.15 Td (Impact of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.60 336.35 Td ($1 billion) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.10 325.60 Td (change in ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.65 314.75 Td (T) Tj ET Q q 0 0 0 rg BT 522.83 314.75 Td (otal ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.75 304.00 Td (Leverage ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.30 293.20 Td (Exposur) Tj ET Q q 0 0 0 rg BT 541.65 293.20 Td (e) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 279.20 Td (Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.85 279.21 Td (0.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.85 279.21 Td (0.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.85 279.21 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.85 279.21 Td (0.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 265.20 Td (Citibank) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.85 265.21 Td (0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.85 265.21 Td (0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.85 265.21 Td (0.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.85 265.21 Td (0.4) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 239.65 Td (Citigroup Broker-Dealer Subsidiaries) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 227.65 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.50 227.65 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.08 227.65 Td (, Citigroup Global Markets Inc., ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 215.65 Td (a U.S. broker) Tj ET Q q 0 0 0 rg BT 98.12 215.65 Td (-dealer registered with the SEC that is an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 203.65 Td (indirect wholly owned subsidiary of Citigroup, had net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 191.65 Td (capital, computed in accordance with the SEC) Tj ET Q q 0 0 0 rg BT 232.44 191.65 Td (s net capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 179.65 Td (rule, of approximately $7.5 billion, which exceeded the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 167.65 Td (minimum requirement by approximately $6.1 billion. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 155.65 Td (Moreover) Tj ET Q q 0 0 0 rg BT 102.03 155.65 Td (, Citigroup Global Markets Limited, a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 143.65 Td (broker) Tj ET Q q 0 0 0 rg BT 70.90 143.65 Td (-dealer registered with the United Kingdom) Tj ET Q q 0 0 0 rg BT 248.34 143.65 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 131.65 Td (Prudential Regulation ) Tj ET Q q 0 0 0 rg BT 134.43 131.65 Td (Authority \(PRA\) that is also an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 119.65 Td (indirect wholly owned subsidiary of Citigroup, had total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 107.65 Td (capital of $17.4 billion at December 31, 2015, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 95.65 Td (exceeded the PRA's minimum regulatory capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 83.65 Td (requirements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 71.65 Td (In addition, certain of Citi) Tj ET Q q 0 0 0 rg BT 169.92 71.65 Td (s other broker) Tj ET Q q 0 0 0 rg BT 225.26 71.65 Td (-dealer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 59.65 Td (subsidiaries are subject to regulation in the countries in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 47.65 Td (which they do business, including requirements to maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 239.65 Td (specified levels of net capital or its equivalent. Citigroup) Tj ET Q q 0 0 0 rg BT 551.16 239.65 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 227.65 Td (other broker) Tj ET Q q 0 0 0 rg BT 370.45 227.65 Td (-dealer subsidiaries were in compliance with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 215.65 Td (their capital requirements at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.89 215.65 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.48 215.65 Td (. ) Tj ET Q endstream endobj 93 0 obj <> endobj 94 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (44) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 742.25 Td (Basel III \(Full Implementation\)) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 718.25 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 87.05 718.25 Td (s Capital Resources Under Basel III ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 706.25 Td (\(Full Implementation\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 694.25 Td (Citi currently estimates that its ef) Tj ET Q q 0 0 0 rg BT 177.84 694.25 Td (fective minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 682.25 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 113.71 682.25 Td (T) Tj ET Q q 0 0 0 rg BT 119.47 682.25 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 173.72 682.25 Td (T) Tj ET Q q 0 0 0 rg BT 179.47 682.25 Td (ier 1 Capital and ) Tj ET Q q 0 0 0 rg BT 248.16 682.25 Td (T) Tj ET Q q 0 0 0 rg BT 253.57 682.25 Td (otal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 670.25 Td (Capital ratio requirements under the U.S. Basel III rules, on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 658.25 Td (a fully implemented basis and assuming a 3% GSIB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 646.25 Td (surchar) Tj ET Q q 0 0 0 rg BT 74.25 646.25 Td (ge, may be 10%, 1) Tj ET Q q 0 0 0 rg BT 148.30 646.25 Td (1.5% and 13.5%, respectively) Tj ET Q q 0 0 0 rg BT 267.06 646.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 634.25 Td (Further) Tj ET Q q 0 0 0 rg BT 92.04 634.25 Td (, under the U.S. Basel III rules, Citi must also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 622.25 Td (comply with a 4% minimum ) Tj ET Q q 0 0 0 rg BT 161.75 622.25 Td (T) Tj ET Q q 0 0 0 rg BT 167.51 622.25 Td (ier 1 Leverage ratio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 610.25 Td (requirement and an ef) Tj ET Q q 0 0 0 rg BT 132.28 610.25 Td (fective 5% minimum Supplementary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 598.25 Td (Leverage ratio requirement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 586.25 Td (The following tables set forth the capital tiers, total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 574.25 Td (risk-weighted assets, risk-based capital ratios, quarterly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 562.25 Td (adjusted average total assets, ) Tj ET Q q 0 0 0 rg BT 162.83 562.25 Td (T) Tj ET Q q 0 0 0 rg BT 168.24 562.25 Td (otal Leverage Exposure and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 550.25 Td (leverage ratios, assuming full implementation under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 538.25 Td (U.S. Basel III rules, for Citi as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.25 538.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.84 538.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 526.25 Td (December31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.58 526.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 514.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 65.50 514.25 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 502.25 Td (Citigroup Capital Components and Ratios Under Basel III \(Full Implementation\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 433.75 290.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 433.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 433.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 433.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 433.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 433.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 405.75 290.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 405.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 405.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 405.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 405.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 405.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 377.75 290.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 377.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 377.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 377.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 377.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 377.75 55.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 477.75 m 390.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 477.75 m 450.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 477.75 m 454.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 477.75 m 507.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 477.75 m 562.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 447.75 m 335.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 477.75 m 390.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 477.75 m 450.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 477.75 m 454.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 477.75 m 454.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 477.75 m 507.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 447.75 m 507.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 477.75 m 562.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 447.75 m 562.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 447.75 m 335.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 447.75 m 390.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 447.75 m 450.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 447.75 m 454.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 447.75 m 454.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 447.75 m 507.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 447.75 m 562.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 433.75 m 454.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 419.75 m 454.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 391.75 m 335.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 391.75 m 390.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 391.75 m 450.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 405.75 m 454.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 391.75 m 454.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 391.75 m 507.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 391.75 m 562.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 391.75 m 454.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 391.75 m 454.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 391.75 m 507.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 377.75 m 454.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 377.75 m 454.5 363.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 349.75 m 335.5 349.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 349.75 m 390.5 349.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 349.75 m 450.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 363.75 m 454.5 349.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 349.75 m 454.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 363.75 m 454.5 349.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 349.75 m 507.5 349.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 349.75 m 562.5 349.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.20 482.20 Td (December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.20 482.21 Td (December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 539.93 486.29 Td (\(1\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 51.00 452.00 Td (In millions of dollars, except ratios) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.20 461.20 Td (Advanced) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.55 452.20 Td (Approaches) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.20 461.20 Td (Standardized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.80 452.20 Td (Approach) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.25 461.21 Td (Advanced) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.00 452.21 Td (Approaches) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.00 461.21 Td (Standardized) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.75 452.21 Td (Approach) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 438.21 Td (Common Equity Tier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.00 438.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.75 438.20 Td (146,865) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.00 438.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 438.20 Td (146,865) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 438.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.25 438.21 Td (136,597) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 438.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 438.21 Td (136,597) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 424.21 Td (Tier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.75 424.20 Td (164,036) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 424.20 Td (164,036) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.25 424.21 Td (148,066) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 424.21 Td (148,066) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 410.21 Td (T) Tj ET Q q 0 0 0 rg BT 55.87 410.21 Td (otal Capital \(T) Tj ET Q q 0 0 0 rg BT 108.04 410.21 Td (ier 1 Capital + ) Tj ET Q q 0 0 0 rg BT 161.94 410.21 Td (T) Tj ET Q q 0 0 0 rg BT 167.12 410.21 Td (ier 2 Capital\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 214.60 414.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.75 410.20 Td (186,097) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 410.20 Td (198,655) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.25 410.21 Td (165,454) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 410.21 Td (178,413) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 396.21 Td (Total Risk-Weighted Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 345.00 396.20 Td (1,216,277) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.00 396.20 Td (1,162,884) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.50 396.21 Td (1,292,605) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 396.21 Td (1,228,488) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 382.21 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 112.84 382.21 Td (T) Tj ET Q q 0 0 0 rg BT 118.02 382.21 Td (ier 1 Capital ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 181.25 386.29 Td (\(3\)\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.75 382.20 Td (12.07) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 382.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 382.20 Td (12.63) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 382.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.25 382.21 Td (10.57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.50 382.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 382.21 Td (11.12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 382.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 368.21 Td (T) Tj ET Q q 0 0 0 rg BT 56.18 368.21 Td (ier 1 Capital ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 119.41 372.29 Td (\(3\)\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.75 368.20 Td (13.49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 368.20 Td (14.11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.25 368.21 Td (11.45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 368.21 Td (12.05) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 354.21 Td (T) Tj ET Q q 0 0 0 rg BT 55.87 354.21 Td (otal Capital ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 116.35 358.29 Td (\(3\)\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.75 354.20 Td (15.30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 354.20 Td (17.08) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.25 354.21 Td (12.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 354.21 Td (14.52) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 312.75 290.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 312.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 312.75 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 312.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 312.75 53.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 312.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 282.75 290.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 282.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 282.75 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 282.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 282.75 53.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 282.75 55.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 312.75 m 335.5 312.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 312.75 m 390.5 312.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 312.75 m 450.5 312.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 312.75 m 454.5 312.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 312.75 m 507.5 312.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 312.75 m 562.5 312.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 312.75 m 450.5 312.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 312.75 m 454.5 297.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 282.75 m 335.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 282.75 m 390.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 282.75 m 450.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 282.75 m 454.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 297.75 m 454.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 282.75 m 507.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 282.75 m 562.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 282.75 m 454.5 267.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 252.75 m 335.5 252.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 252.75 m 390.5 252.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 252.75 m 450.5 252.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 252.75 m 454.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 267.75 m 454.5 252.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 252.75 m 507.5 252.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 252.75 m 562.5 252.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 51.00 317.00 Td (In millions of dollars, except ratios) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.20 317.20 Td (December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.20 317.21 Td (December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 539.93 321.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 302.21 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 87.24 302.21 Td (Adjusted ) Tj ET Q q 0 0 0 rg BT 121.49 302.21 Td (A) Tj ET Q q 0 0 0 rg BT 127.32 302.21 Td (verage ) Tj ET Q q 0 0 0 rg BT 153.39 302.21 Td (T) Tj ET Q q 0 0 0 rg BT 158.26 302.21 Td (otal ) Tj ET Q q 0 0 0 rg BT 173.51 302.21 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 197.01 306.29 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.00 302.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.00 302.20 Td (1,724,710) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 302.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 302.21 Td (1,835,637) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 287.21 Td (T) Tj ET Q q 0 0 0 rg BT 55.87 287.21 Td (otal Leverage Exposure) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 141.33 291.29 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 148.15 287.21 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.00 287.20 Td (2,317,849) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 287.21 Td (2,492,636) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 272.21 Td (T) Tj ET Q q 0 0 0 rg BT 56.18 272.21 Td (ier 1 Leverage ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 126.89 276.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.25 272.20 Td (9.51) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 272.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 272.21 Td (8.07) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 272.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 257.21 Td (Supplementary Leverage ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 159.95 261.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.25 257.20 Td (7.08) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 257.21 Td (5.94) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 231.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 231.65 Td (Restated to reflect the retrospective adoption of ) Tj ET Q q 0 0 0 rg BT 216.50 231.65 Td (ASU 2014-01 for LIHTC investments, consistent with current period presentation. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 222.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 222.05 Td (Under the ) Tj ET Q q 0 0 0 rg BT 96.32 222.05 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 130.31 222.05 Td (Approaches framework eligible credit reserves that exceed expected credit losses are eligible for inclusion in ) Tj ET Q q 0 0 0 rg BT 480.47 222.05 Td (T) Tj ET Q q 0 0 0 rg BT 485.07 222.05 Td (ier 2 Capital to the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 212.45 Td (extent the excess reserves do not exceed 0.6% of credit risk-weighted assets, which dif) Tj ET Q q 0 0 0 rg BT 340.32 212.45 Td (fers from the Standardized ) Tj ET Q q 0 0 0 rg BT 426.95 212.45 Td (Approach in which the allowance for ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 202.85 Td (credit losses is eligible for inclusion in ) Tj ET Q q 0 0 0 rg BT 188.39 202.85 Td (T) Tj ET Q q 0 0 0 rg BT 193.00 202.85 Td (ier 2 Capital up to 1.25% of credit risk-weighted assets, with any excess allowance for credit losses being deducted ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 193.25 Td (in arriving at credit risk-weighted assets. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 183.65 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 183.65 Td (As of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 82.55 183.65 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 145.42 183.65 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 160.97 183.65 Td (December31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 223.84 183.65 Td (, Citi) Tj ET Q q 0 0 0 rg BT 242.07 183.65 Td (s Common Equity ) Tj ET Q q 0 0 0 rg BT 302.15 183.65 Td (T) Tj ET Q q 0 0 0 rg BT 306.75 183.65 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 350.15 183.65 Td (T) Tj ET Q q 0 0 0 rg BT 354.76 183.65 Td (ier 1 Capital, and ) Tj ET Q q 0 0 0 rg BT 411.71 183.65 Td (T) Tj ET Q q 0 0 0 rg BT 416.04 183.65 Td (otal Capital ratios were the lower derived ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 174.05 Td (under the Basel III ) Tj ET Q q 0 0 0 rg BT 124.31 174.05 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 158.30 174.05 Td (Approaches framework.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 164.45 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 164.45 Td (Citi) Tj ET Q q 0 0 0 rg BT 77.23 164.45 Td (s Basel III capital ratios and related components, on a fully implemented basis, are non-GAAP) Tj ET Q q 0 0 0 rg BT 379.51 164.45 Td ( financial measures. Citi believes these ratios and the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 154.85 Td (related components provide useful information to investors and others by measuring Citi) Tj ET Q q 0 0 0 rg BT 348.94 154.85 Td (s progress against future regulatory capital standards. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 145.25 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 145.25 Td (T) Tj ET Q q 0 0 0 rg BT 67.61 145.25 Td (ier 1 Leverage ratio denominator) Tj ET Q q 0 0 0 rg BT 172.45 145.25 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 135.65 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 135.65 Td (Supplementary Leverage ratio denominator) Tj ET Q q 0 0 0 rg BT 201.84 135.65 Td (.) Tj ET Q endstream endobj 95 0 obj <> endobj 96 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (45) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 742.25 Td (Common Equity T) Tj ET Q q 0 0 0 rg BT 120.75 742.25 Td (ier 1 Capital Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.59 742.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 730.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 62.78 730.25 Td (s Common Equity ) Tj ET Q q 0 0 0 rg BT 137.89 730.25 Td (T) Tj ET Q q 0 0 0 rg BT 143.64 730.25 Td (ier 1 Capital ratio was 12.07% at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 718.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.58 718.25 Td (, compared to 1) Tj ET Q q 0 0 0 rg BT 185.42 718.25 Td (1.67% at September 30, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 706.25 Td (2015 and 10.57% at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.49 706.25 Td (December31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.07 706.25 Td ( \(all based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 694.25 Td (application of the ) Tj ET Q q 0 0 0 rg BT 116.92 694.25 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 159.41 694.25 Td (Approaches for determining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 682.25 Td (total risk-weighted assets\). ) Tj ET Q q 0 0 0 rg BT 154.24 682.25 Td (The quarter) Tj ET Q q 0 0 0 rg BT 200.40 682.25 Td (-over) Tj ET Q q 0 0 0 rg BT 221.30 682.25 Td (-quarter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 670.25 Td (increase in the ratio was lar) Tj ET Q q 0 0 0 rg BT 154.49 670.25 Td (gely attributable to quarterly net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 658.25 Td (income of $3.3 billion and a reduction in risk-weighted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 646.25 Td (assets, partially of) Tj ET Q q 0 0 0 rg BT 117.30 646.25 Td (fset by movements in ) Tj ET Q q 0 0 0 rg BT 205.07 646.25 Td (AOCI as well as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 634.25 Td ($1.8 billion 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0 0 rg BT 168.32 684.21 Td ( equity) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 193.06 688.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.00 684.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 684.20 Td (205,286) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 684.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 684.21 Td (199,841) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 670.21 Td (Add: Qualifying noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.50 670.20 Td (145) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 670.21 Td (165) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 656.20 Td (Regulatory Capital Adjustments and Deductions:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 642.21 Td (Less: ) Tj ET Q q 0 0 0 rg BT 70.75 642.21 Td (Accumulated net unrealized losses on cash flow hedges, net of tax) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 309.42 646.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.50 642.20 Td (\(617) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 642.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 642.21 Td (\(909) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 642.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 628.21 Td (Less: Cumulative unrealized net gain related to changes in fair value of financial liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 619.21 Td ( attributable to own creditworthiness, net of tax) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 224.96 623.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.50 619.20 Td (441) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 619.21 Td (279) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 605.21 Td (Less: Intangible assets:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 591.21 Td ( Goodwill, net of related deferred tax liabilities \(DTLs\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 250.93 595.29 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 591.20 Td (21,980) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 591.21 Td (22,805) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 47.00 577.21 Td ( Identifiable intangible assets other than mortgage servicing rights \(MSRs\), net of related DTLs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.75 577.20 Td (3,586) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 577.21 Td (4,373) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 563.21 Td (Less: Defined benefit pension plan net assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.50 563.20 Td (794) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 563.21 Td (936) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 550.01 Td (Less: Deferred tax assets \(DT) Tj ET Q q 0 0 0 rg BT 156.24 550.01 Td (As\) arising from net operating loss, foreign tax credit and general) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 539.21 Td ( business credit carry-forwards) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 165.71 543.29 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 539.20 Td (23,659) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 539.21 Td (23,626) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 526.01 Td (Less: Excess over 10%/15% limitations for other DT) Tj ET Q q 0 0 0 rg BT 239.99 526.01 Td (As, certain common stock investments,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 515.21 Td ( and MSRs) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 94.26 519.29 Td (\(6\)\(7\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.75 515.20 Td (8,723) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 515.21 Td (12,299) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 501.20 Td (Total Common Equity Tier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.00 501.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 501.20 Td (146,865) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 501.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 501.21 Td (136,597) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 487.20 Td (Additional Tier 1 Capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 473.21 Td (Qualifying perpetual preferred stock) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 181.19 477.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.00 473.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 473.20 Td (16,571) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 473.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 473.21 Td (10,344) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 459.21 Td (Qualifying trust preferred securities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 178.70 463.29 Td (\(8\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.75 459.20 Td (1,365) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 459.21 Td (1,369) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 445.21 Td (Qualifying noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 445.20 Td (31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 445.21 Td (35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 431.20 Td (Regulatory Capital Deductions:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 417.21 Td (Less: Minimum regulatory capital requirements of insurance underwriting subsidiaries) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 361.92 421.29 Td (\(9\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.50 417.20 Td (229) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 417.21 Td (279) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 403.21 Td (Less: Permitted ownership interests in covered funds) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 240.46 407.29 Td (\(10\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.50 403.20 Td (567) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.00 403.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 389.20 Td (Total Additional Tier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.00 389.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 389.20 Td (17,171) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 389.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 389.21 Td (11,469) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 375.20 Td (Total Tier 1 Capital \(Common Equity Tier 1 Capital + Additional Tier 1 Capital\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.00 375.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 375.20 Td (164,036) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 375.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 375.21 Td (148,066) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 361.20 Td (Tier 2 Capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 347.21 Td (Qualifying subordinated debt) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 155.48 351.29 Td (\(1) Tj ET Q BT /F1 5.85 Tf ET q 0 0 0 rg BT 160.13 351.29 Td (1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.00 347.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 347.20 Td (20,744) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 347.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 347.21 Td (16,094) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 333.21 Td (Qualifying trust preferred securities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 178.70 337.29 Td (\(12\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.50 333.20 Td (342) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 333.21 Td (350) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 319.21 Td (Qualifying noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 319.20 Td (41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 319.21 Td (46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 305.21 Td (Excess of eligible credit reserves over expected credit losses) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 267.41 309.29 Td (\(13\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.75 305.20 Td (1,163) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 305.21 Td (1,177) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 291.20 Td (Regulatory Capital Deduction:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 277.21 Td (Less: Minimum regulatory capital requirements of insurance underwriting subsidiaries) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 361.92 281.29 Td (\(9\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.50 277.20 Td (229) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 277.21 Td (279) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 263.20 Td (Total Tier 2 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.00 263.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 263.20 Td (22,061) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 263.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 263.21 Td (17,388) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 249.20 Td (T) Tj ET Q q 0 0 0 rg BT 55.18 249.20 Td (otal Capital \(T) Tj ET Q q 0 0 0 rg BT 111.51 249.20 Td (ier) Tj ET Q q 0 0 0 rg BT 121.84 249.20 Td ( 1 Capital + ) Tj ET Q q 0 0 0 rg BT 168.81 249.20 Td (T) Tj ET Q q 0 0 0 rg BT 174.65 249.20 Td (ier) Tj ET Q q 0 0 0 rg BT 184.98 249.20 Td ( 2 Capital\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 225.48 253.28 Td (\(14\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.00 249.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 249.20 Td (186,097) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 249.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 249.21 Td (165,454) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 226.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 226.05 Td (Restated to reflect the retrospective adoption of ) Tj ET Q q 0 0 0 rg BT 216.50 226.05 Td (ASU 2014-01 for LIHTC investments, consistent with current period presentation. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 216.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 216.45 Td (Issuance costs of $147 million and $124 million related to preferred stock outstanding at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 348.27 216.45 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.14 216.45 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.69 216.45 Td (December31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 489.55 216.45 Td (, respectively) Tj ET Q q 0 0 0 rg BT 531.68 216.45 Td (, are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 206.85 Td (excluded from common stockholders) Tj ET Q q 0 0 0 rg BT 183.93 206.85 Td ( equity and netted against preferred stock in accordance with Federal Reserve Board regulatory reporting ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 197.25 Td (requirements, which dif) Tj ET Q q 0 0 0 rg BT 139.05 197.25 Td (fer from those under U.S. GAAP) Tj ET Q q 0 0 0 rg BT 243.71 197.25 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 187.65 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 187.65 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 117.97 187.65 Td (T) Tj ET Q q 0 0 0 rg BT 122.57 187.65 Td (ier 1 Capital is adjusted for accumulated net unrealized gains \(losses\) on cash flow hedges included in ) Tj ET Q q 0 0 0 rg BT 450.70 187.65 Td (AOCI that relate to the hedging of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 178.05 Td (items not recognized at fair value on the balance sheet.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 168.45 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 168.45 Td (The cumulative impact of changes in Citigroup) Tj ET Q q 0 0 0 rg BT 216.29 168.45 Td (s own creditworthiness in valuing liabilities for which the fair value option has been elected and own-credit ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 158.85 Td (valuation adjustments on derivatives are excluded from Common Equity ) Tj ET Q q 0 0 0 rg BT 297.25 158.85 Td (T) Tj ET Q q 0 0 0 rg BT 301.85 158.85 Td (ier 1 Capital, in accordance with the U.S. Basel III rules. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 149.25 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 149.25 Td (Includes goodwill embedded in the valuation of significant common stock investments in unconsolidated financial institutions. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 139.65 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 139.65 Td (Of Citi) Tj ET Q q 0 0 0 rg BT 87.67 139.65 Td (s approximately $47.8 billion of net DT) Tj ET Q q 0 0 0 rg BT 214.34 139.65 Td (As at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.00 139.65 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 295.87 139.65 Td (, approximately $16.8 billion of such assets were includable in regulatory capital ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 130.05 Td (pursuant to the U.S. Basel III rules, while approximately $31.0 billion of such assets were excluded in arriving at Common Equity ) Tj ET Q q 0 0 0 rg BT 481.66 130.05 Td (T) Tj ET Q q 0 0 0 rg BT 486.27 130.05 Td (ier 1 Capital. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 120.45 Td (Comprising the excluded net DT) Tj ET Q q 0 0 0 rg BT 167.23 120.45 Td (As was an aggregate of approximately $32.4 billion of net DT) Tj ET Q q 0 0 0 rg BT 365.42 120.45 Td (As arising from net operating loss, foreign tax credit and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 110.85 Td (general business credit carry-forwards as well as temporary dif) Tj ET Q q 0 0 0 rg BT 264.11 110.85 Td (ferences that were deducted from Common Equity ) Tj ET Q q 0 0 0 rg BT 427.69 110.85 Td (T) Tj ET Q q 0 0 0 rg BT 432.29 110.85 Td (ier 1 Capital. In addition, approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 101.25 Td ($1.4 billion of net DTLs, primarily consisting of DTLs associated with goodwill and certain other intangible assets, partially of) Tj ET Q q 0 0 0 rg BT 469.66 101.25 Td (fset by DT) Tj ET Q q 0 0 0 rg BT 503.23 101.25 Td (As related to cash ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 91.65 Td (flow hedges, are permitted to be excluded prior to deriving the amount of net DT) Tj ET Q q 0 0 0 rg BT 321.61 91.65 Td (As subject to deduction under these rules. Separately) Tj ET Q q 0 0 0 rg BT 490.38 91.65 Td (, under the U.S. Basel ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 82.05 Td (III rules, goodwill and these other intangible assets are deducted net of associated DTLs in arriving at Common Equity ) Tj ET Q q 0 0 0 rg BT 444.98 82.05 Td (T) Tj ET Q q 0 0 0 rg BT 449.58 82.05 Td (ier 1 Capital, while Citi) Tj ET Q q 0 0 0 rg BT 527.13 82.05 Td (s current ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 72.45 Td (cash flow hedges and the related deferred tax ef) Tj ET Q q 0 0 0 rg BT 215.67 72.45 Td (fects are not required to be reflected in regulatory capital. ) Tj ET Q endstream endobj 99 0 obj <> endobj 100 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (47) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 743.50 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 743.50 Td (Assets subject to 10%/15% limitations include MSRs, DT) Tj ET Q q 0 0 0 rg BT 248.13 743.50 Td (As arising from temporary dif) Tj ET Q q 0 0 0 rg BT 343.96 743.50 Td (ferences and significant common stock investments in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 733.90 Td (unconsolidated financial institutions. ) Tj ET Q q 0 0 0 rg BT 182.54 733.90 Td (At ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 192.54 733.90 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 255.41 733.90 Td (, the deduction related only to DT) Tj ET Q q 0 0 0 rg BT 362.96 733.90 Td (As arising from temporary dif) Tj ET Q q 0 0 0 rg BT 458.79 733.90 Td (ferences that exceeded the 10% ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 724.30 Td (limitation, while at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 125.66 724.30 Td (December31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 188.52 724.30 Td (, the deduction related to all three assets which exceeded both the 10% and 15% limitations. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 714.70 Td (\(8\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 714.70 Td (Represents Citigroup Capital XIII trust preferred securities, which are permanently grandfathered as ) Tj ET Q q 0 0 0 rg BT 385.63 714.70 Td (T) Tj ET Q q 0 0 0 rg BT 390.23 714.70 Td (ier 1 Capital under the U.S. Basel III rules. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 705.10 Td (\(9\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 705.10 Td (50% of the minimum regulatory capital requirements of insurance underwriting subsidiaries must be deducted from each of ) Tj ET Q q 0 0 0 rg BT 460.29 705.10 Td (T) Tj ET Q q 0 0 0 rg BT 464.90 705.10 Td (ier 1 Capital and ) Tj ET Q q 0 0 0 rg BT 519.85 705.10 Td (T) Tj ET Q q 0 0 0 rg BT 524.45 705.10 Td (ier 2 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 695.50 Td (Capital.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 685.90 Td (\(10\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 685.90 Td (Ef) Tj ET Q q 0 0 0 rg BT 70.41 685.90 Td (fective July 2015, banking entities are required to be in compliance with the V) Tj ET Q q 0 0 0 rg BT 323.96 685.90 Td (olcker Rule of the Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 427.71 685.90 Td (Act that prohibits conducting certain ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 676.30 Td (proprietary investment activities and limits their ownership of, and relationships with, covered funds.) Tj ET Q q 0 0 0 rg BT 388.26 676.30 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 427.73 676.30 Td (,Citi is required by the V) Tj ET Q q 0 0 0 rg BT 511.79 676.30 Td (olcker Rule to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 666.70 Td (deduct from ) Tj ET Q q 0 0 0 rg BT 103.73 666.70 Td (T) Tj ET Q q 0 0 0 rg BT 108.34 666.70 Td (ier 1 Capital all permitted ownership interests in covered funds that were acquired after December 31, 2013. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 657.10 Td (\(1) Tj ET Q q 0 0 0 rg BT 51.37 657.10 Td (1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 657.10 Td (Non-qualifying subordinated debt issuances which consist of those with a fixed-to-floating rate step-up feature where the call/step-up date has not passed ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 647.50 Td (are excluded from ) Tj ET Q q 0 0 0 rg BT 123.05 647.50 Td (T) Tj ET Q q 0 0 0 rg BT 127.65 647.50 Td (ier 2 Capital. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 637.90 Td (\(12\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 637.90 Td (Represents the amount of non-grandfathered trust preferred securities eligible for inclusion in ) Tj ET Q q 0 0 0 rg BT 364.09 637.90 Td (T) Tj ET Q q 0 0 0 rg BT 368.70 637.90 Td (ier 2 Capital under the U.S. Basel III rules, which will be ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 628.30 Td (fully phased-out of ) Tj ET Q q 0 0 0 rg BT 125.73 628.30 Td (T) Tj ET Q q 0 0 0 rg BT 130.34 628.30 Td (ier 2 Capital by January 1, 2022. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 618.70 Td (\(13\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 618.70 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 96.99 618.70 Td (Approaches banking or) Tj ET Q q 0 0 0 rg BT 171.49 618.70 Td (ganizations are permitted to include in ) Tj ET Q q 0 0 0 rg BT 296.19 618.70 Td (T) Tj ET Q q 0 0 0 rg BT 300.80 618.70 Td (ier 2 Capital eligible credit reserves that exceed expected credit losses to the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 609.10 Td (extent that the excess reserves do not exceed 0.6% of credit risk-weighted assets. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 599.50 Td (\(14\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 599.50 Td (T) Tj ET Q q 0 0 0 rg BT 67.33 599.50 Td (otal Capital as calculated under ) Tj ET Q q 0 0 0 rg BT 169.29 599.50 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 203.28 599.50 Td (Approaches, which dif) Tj ET Q q 0 0 0 rg BT 275.78 599.50 Td (fers from the Standardized ) Tj ET Q q 0 0 0 rg BT 362.41 599.50 Td (Approach in the treatment of the amount of eligible credit ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 589.90 Td (reserves includable in ) Tj ET Q q 0 0 0 rg BT 134.61 589.90 Td (T) Tj ET Q q 0 0 0 rg BT 139.21 589.90 Td (ier 2 Capital. ) Tj ET Q endstream endobj 101 0 obj <> endobj 102 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (48) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 742.25 Td (Citigroup Capital Rollforward Under Basel III \(Advanced ) Tj ET Q q 0 0 0 rg BT 286.04 742.25 Td (Approaches with Full Implementation\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 707.75 333.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 707.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 707.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 679.75 333.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 679.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 679.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 651.75 333.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 651.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 651.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 623.75 333.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 623.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 623.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 595.75 333.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 595.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 595.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 557.75 333.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 557.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 557.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 519.75 333.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 519.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 519.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 481.75 333.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 481.75 91.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 481.75 93.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 444.75 333.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 444.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 444.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 416.75 333.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 416.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 416.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 388.75 333.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 388.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 388.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 360.75 333.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 360.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 360.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 332.75 333.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 332.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 332.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 304.75 333.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 304.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 304.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 276.75 333.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 276.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 276.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 248.75 333.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 248.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 248.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 220.75 333.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 220.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.50 220.75 93.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 707.75 m 378.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 707.75 m 469.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 707.75 m 562.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 707.75 m 378.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 707.75 m 469.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 707.75 m 562.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 444.75 m 378.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 444.75 m 469.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 444.75 m 562.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 444.75 m 378.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 430.75 m 378.5 430.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 444.75 m 469.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 430.75 m 469.5 430.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 444.75 m 562.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 430.75 m 562.5 430.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 430.75 m 378.5 430.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 416.75 m 378.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 430.75 m 469.5 430.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 416.75 m 469.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 430.75 m 562.5 430.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 416.75 m 562.5 416.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 416.75 m 378.5 416.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 416.75 m 469.5 416.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 416.75 m 562.5 416.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 332.75 m 378.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 318.75 m 378.5 318.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 332.75 m 469.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 318.75 m 469.5 318.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 332.75 m 562.5 332.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 318.75 m 562.5 318.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 318.75 m 378.5 318.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 304.75 m 378.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 318.75 m 469.5 318.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 304.75 m 469.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 318.75 m 562.5 318.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 304.75 m 562.5 304.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 304.75 m 378.5 304.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 304.75 m 469.5 304.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 304.75 m 562.5 304.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 234.75 m 378.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 234.75 m 469.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 234.75 m 562.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 234.75 m 378.5 234.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 220.75 m 378.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 234.75 m 469.5 234.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 220.75 m 469.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 234.75 m 562.5 234.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 220.75 m 562.5 220.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 220.75 m 378.5 220.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 206.75 m 378.5 206.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 220.75 m 469.5 220.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 206.75 m 469.5 206.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 220.75 m 562.5 220.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 206.75 m 562.5 206.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 206.75 m 378.5 206.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 192.75 m 378.5 192.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 206.75 m 469.5 206.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 192.75 m 469.5 192.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 206.75 m 562.5 206.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 469.5 192.75 m 562.5 192.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 51.00 712.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.55 723.00 Td (Three Months Ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.05 712.20 Td (December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.55 721.20 Td (T) Tj ET Q q 0 0 0 rg BT 477.88 721.20 Td (welve Months Ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.65 712.20 Td (December) Tj ET Q q 0 0 0 rg BT 515.71 712.20 Td ( 31, 2015) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 549.46 716.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 698.20 Td (Common Equity Tier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 684.20 Td (Balance, beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 684.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.75 684.20 Td (146,451) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 684.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 684.20 Td (136,597) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 670.21 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 670.20 Td (3,335) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 670.20 Td (17,242) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 656.21 Td (Dividends declared) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.50 656.20 Td (\(415) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 656.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.75 656.20 Td (\(1,253) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.00 656.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 642.21 Td ( Treasury stock acquired) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.75 642.20 Td (\(1,650) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 642.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.75 642.20 Td (\(5,452) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.00 642.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 628.21 Td (Net increase in additional paid-in capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 197.19 632.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.50 628.20 Td (331) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.75 628.20 Td (1,036) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 614.21 Td (Net increase in foreign currency translation adjustment net of hedges, net of tax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.50 614.20 Td (\(796) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 614.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.75 614.20 Td (\(5,499) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.00 614.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 600.21 Td (Net increase in unrealized losses on securities AFS, net of tax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.75 600.20 Td (\(1,131) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 600.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.50 600.20 Td (\(964) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.00 600.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 586.21 Td (Net change in defined benefit plans liability adjustment, net of tax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 586.20 Td (\(85) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 586.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.00 586.20 Td (43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 573.01 Td (Net change in cumulative unrealized net gain related to changes in fair value of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 562.21 Td ( financial liabilities attributable to own creditworthiness, net of tax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.50 562.20 Td (276) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.50 562.20 Td (\(162) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.00 562.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 548.21 Td (Net change in goodwill, net of related deferred tax liabilities \(DTLs\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.50 548.20 Td (\(248) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 548.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.50 548.20 Td (825) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 535.01 Td (Net decrease in identifiable intangible assets other than mortgage servicing rights) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 524.21 Td (\(MSRs\), net of related DTLs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.50 524.20 Td (325) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.50 524.20 Td (787) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 510.21 Td (Net decrease in defined benefit pension plan net assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.50 510.20 Td (110) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.50 510.20 Td (142) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 497.01 Td (Net increase in deferred tax assets \(DT) Tj ET Q q 0 0 0 rg BT 190.21 497.01 Td (As\) arising from net operating loss, foreign) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 486.21 Td ( tax credit and general business credit carry-forwards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.50 486.20 Td (\(364) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 486.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.00 486.20 Td (\(33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.00 486.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 472.21 Td (Net decrease in excess over 10%/15% limitations for other DT) Tj ET Q q 0 0 0 rg BT 275.96 472.21 Td (As, certain common stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 463.21 Td ( investments and MSRs ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.50 463.20 Td (728) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.75 463.20 Td (3,576) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 449.21 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.50 449.20 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 449.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.00 449.20 Td (\(20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.00 449.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 435.20 Td (Net increase in Common Equity Tier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 435.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.50 435.20 Td (414) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 435.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 435.20 Td (10,268) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 421.20 Td (Common Equity Tier 1 Capital Balance, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 421.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.75 421.20 Td (146,865) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 421.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 421.20 Td (146,865) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 407.20 Td (Additional Tier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 393.20 Td (Balance, beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 393.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.25 393.20 Td (15,548) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 393.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 393.20 Td (11,469) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 379.21 Td (Net increase in qualifying perpetual preferred stock) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 236.42 383.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 379.20 Td (1,495) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.75 379.20 Td (6,227) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 365.21 Td (Net decrease in qualifying trust preferred securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 365.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.50 365.20 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.00 365.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 351.21 Td (Net change in permitted ownership interests in covered funds) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.50 351.20 Td (111) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.50 351.20 Td (\(567) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.00 351.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 337.21 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 337.20 Td (17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.00 337.20 Td (46) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 323.20 Td (Net increase in Additional Tier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 323.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 323.20 Td (1,623) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 323.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.75 323.20 Td (5,702) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 309.20 Td (Tier 1 Capital Balance, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 309.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.75 309.20 Td (164,036) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 309.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 309.20 Td (164,036) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 295.20 Td (Tier 2 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 281.20 Td (Balance, beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 281.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.25 281.20 Td (21,097) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 281.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 281.20 Td (17,388) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 267.21 Td (Net increase in qualifying subordinated debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.50 267.20 Td (349) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.75 267.20 Td (4,650) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 253.21 Td (Net change in excess of eligible credit reserves over expected credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.50 253.20 Td (606) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.00 253.20 Td (\(14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.00 253.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 239.21 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.50 239.20 Td (9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.00 239.20 Td (37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 225.20 Td (Net increase in Tier 2 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 225.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.50 225.20 Td (964) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 225.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.75 225.20 Td (4,673) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 211.20 Td (Tier 2 Capital Balance, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 211.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.25 211.20 Td (22,061) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 211.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 211.20 Td (22,061) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 197.20 Td (Total Capital \(Tier 1 Capital + Tier 2 Capital\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 197.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.75 197.20 Td (186,097) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 197.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 197.20 Td (186,097) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 174.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 174.05 Td (The beginning balance of Common Equity ) Tj ET Q q 0 0 0 rg BT 201.49 174.05 Td (T) Tj ET Q q 0 0 0 rg BT 206.10 174.05 Td (ier 1 Capital for the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 270.74 174.05 Td (twelve months ended) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.73 174.05 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 340.73 174.05 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 403.59 174.05 Td ( has been restated to reflect the retrospective ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 164.45 Td (adoption of ) Tj ET Q q 0 0 0 rg BT 101.22 164.45 Td (ASU 2014-01 for LIHTC investments, consistent with current period presentation. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 154.85 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 154.85 Td (Primarily represents an increase in additional paid-in capital related to employee benefit plans.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 145.25 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 145.25 Td (Citi issued approximately $1.5 billion and approximately $6.3 billion of qualifying perpetual preferred stock during the three and twelve months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 135.65 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 125.87 135.65 Td (, respectively) Tj ET Q q 0 0 0 rg BT 168.00 135.65 Td (, which were partially of) Tj ET Q q 0 0 0 rg BT 246.27 135.65 Td (fset by the netting of issuance costs of $4 million and $23 million during those respective periods. ) Tj ET Q endstream endobj 103 0 obj <> endobj 104 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (49) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 742.25 Td (Citigroup Risk-W) Tj ET Q q 0 0 0 rg BT 116.78 742.25 Td (eighted ) Tj ET Q q 0 0 0 rg BT 148.90 742.25 Td (Assets Under Basel III \(Full Implementation\) at ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 350.32 742.25 Td (December31, 2015) Tj ET Q BT /F4 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 44.00 705.75 156.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.00 705.75 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.00 705.75 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.00 705.75 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.00 705.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.00 705.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.00 705.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 705.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.00 679.75 156.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.00 679.75 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.00 679.75 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.00 679.75 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.00 679.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.00 679.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.00 679.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 679.75 60.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200 718.75 m 259 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 718.75 m 318 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318 718.75 m 377 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 718.75 m 381 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381 718.75 m 441 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441 718.75 m 502 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 718.75 m 562 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44 705.75 m 200 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200 705.75 m 259 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 718.75 m 318 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 705.75 m 318 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318 705.75 m 377 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381 718.75 m 381 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 705.75 m 381 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381 718.75 m 441 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381 705.75 m 441 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441 718.75 m 502 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441 705.75 m 502 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 718.75 m 562 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 705.75 m 562 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381 705.75 m 381 692.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381 692.75 m 381 679.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 666.75 m 381 666.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381 679.75 m 381 666.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381 666.75 m 441 666.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44 666.75 m 200 666.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 44 653.75 m 200 653.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200 666.75 m 259 666.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 200 653.75 m 259 653.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 666.75 m 318 666.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 259 653.75 m 318 653.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318 666.75 m 377 666.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 318 653.75 m 377 653.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 666.75 m 381 666.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 377 653.75 m 381 653.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381 666.75 m 381 653.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381 666.75 m 441 666.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381 653.75 m 441 653.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441 666.75 m 502 666.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 441 653.75 m 502 653.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 666.75 m 562 666.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 502 653.75 m 562 653.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.95 723.15 Td (Advanced Approaches) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.15 723.15 Td (Standardized Approach) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 49.50 710.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.00 710.15 Td (Citicorp) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.35 710.15 Td (Citi Holdings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.15 710.15 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.50 710.15 Td (Citicorp) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.35 710.15 Td (Citi Holdings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 521.65 710.15 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 49.50 697.01 Td (Credit Risk) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.50 697.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.25 697.15 Td (736,641) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.50 697.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 697.15 Td (79,819) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.50 697.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.25 697.15 Td (816,460) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.50 697.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.50 697.15 Td (1,015,070) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.50 697.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.75 697.15 Td (72,629) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.50 697.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.50 697.15 Td (1,087,699) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 49.50 684.01 Td (Market Risk) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.75 684.15 Td (70,715) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.25 684.15 Td (4,102) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.75 684.15 Td (74,817) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.75 684.15 Td (71,029) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.25 684.15 Td (4,156) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.75 684.15 Td (75,185) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 49.50 671.01 Td (Operational Risk) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.25 671.15 Td (275,921) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 671.15 Td (49,079) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.25 671.15 Td (325,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.50 671.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.50 671.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.50 671.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 49.50 658.15 Td (Total Risk-Weighted Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.50 658.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.50 658.15 Td (1,083,277) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.50 658.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.25 658.15 Td (133,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.50 658.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.50 658.15 Td (1,216,277) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.50 658.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.50 658.15 Td (1,086,099) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.50 658.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.75 658.15 Td (76,785) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.50 658.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.50 658.15 Td (1,162,884) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 635.05 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 623.05 Td (Citigroup Risk-W) Tj ET Q q 0 0 0 rg BT 116.78 623.05 Td (eighted ) Tj ET Q q 0 0 0 rg BT 148.90 623.05 Td (Assets Under Basel III \(Full Implementation\) at ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 350.32 623.05 Td (December31, 2014) Tj ET Q BT /F4 10.00 Tf ET BT /F4 6.50 Tf ET q 0 0 0 rg BT 429.46 627.58 Td (\(1\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 584.55 154.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 584.55 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 584.55 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 584.55 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 584.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 584.55 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 584.55 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 584.55 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 556.55 154.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 556.55 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 556.55 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 556.55 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 556.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 556.55 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 556.55 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 556.55 59.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 598.55 m 255.5 598.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 598.55 m 322.5 598.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 598.55 m 378.5 598.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 598.55 m 382.5 598.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 598.55 m 442.5 598.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 598.55 m 502.5 598.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 598.55 m 561.5 598.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 584.55 m 198.5 584.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 584.55 m 255.5 584.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 584.55 m 322.5 584.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 584.55 m 378.5 584.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 598.55 m 382.5 584.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 584.55 m 382.5 584.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 598.55 m 442.5 598.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 584.55 m 442.5 584.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 598.55 m 502.5 598.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 584.55 m 502.5 584.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 598.55 m 561.5 598.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 584.55 m 561.5 584.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 584.55 m 382.5 570.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 570.55 m 382.5 556.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 542.55 m 382.5 542.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 556.55 m 382.5 542.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 542.55 m 442.5 542.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 542.55 m 198.5 542.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 528.55 m 198.5 528.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 542.55 m 255.5 542.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 528.55 m 255.5 528.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 542.55 m 322.5 542.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 528.55 m 322.5 528.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 542.55 m 378.5 542.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 528.55 m 378.5 528.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 542.55 m 382.5 542.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 528.55 m 382.5 528.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 542.55 m 382.5 528.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 542.55 m 442.5 542.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 528.55 m 442.5 528.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 542.55 m 502.5 542.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 528.55 m 502.5 528.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 542.55 m 561.5 542.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 528.55 m 561.5 528.55 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.95 603.00 Td (Advanced Approaches) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.65 603.00 Td (Standardized Approach) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 50.00 588.80 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.50 589.00 Td (Citicorp) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.85 589.00 Td (Citi Holdings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.15 589.00 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.00 589.00 Td (Citicorp) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.35 589.00 Td (Citi Holdings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 521.65 589.00 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 575.01 Td (Credit Risk) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.00 575.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.75 575.01 Td (752,247) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.00 575.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.75 575.01 Td (127,377) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.00 575.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 345.75 575.01 Td (879,624) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 575.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 575.01 Td (1,023,961) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 575.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.75 575.01 Td (104,046) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 575.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 575.01 Td (1,128,007) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 561.01 Td (Market Risk) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.25 561.01 Td (95,824) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.75 561.01 Td (4,657) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 345.75 561.01 Td (100,481) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.25 561.01 Td (95,824) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 561.01 Td (4,657) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 561.01 Td (100,481) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 547.01 Td (Operational Risk) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.75 547.01 Td (255,155) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 294.25 547.01 Td (57,345) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 345.75 547.01 Td (312,500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 547.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 547.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 547.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 533.01 Td (Total Risk-Weighted Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.00 533.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 216.00 533.01 Td (1,103,226) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.00 533.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.75 533.01 Td (189,379) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.00 533.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 533.01 Td (1,292,605) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 533.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 533.01 Td (1,119,785) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 533.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.75 533.01 Td (108,703) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 533.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 533.01 Td (1,228,488) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 509.85 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 509.85 Td (Restated to reflect the retrospective adoption of ) Tj ET Q q 0 0 0 rg BT 216.50 509.85 Td (ASU 2014-01 for LIHTC investments, consistent with current period presentation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 479.85 Td (T) Tj ET Q q 0 0 0 rg BT 68.41 479.85 Td (otal risk-weighted assets under both the Basel III ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 467.85 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 87.49 467.85 Td (Approaches and the Standardized ) Tj ET Q q 0 0 0 rg BT 223.55 467.85 Td (Approach ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 455.85 Td (declined from year) Tj ET Q q 0 0 0 rg BT 120.32 455.85 Td (-end 2014 primarily due to a decrease in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 443.85 Td (credit risk-weighted assets resulting from the impact of FX ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 431.85 Td (translation and the ongoing decline in Citi Holdings assets, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 419.85 Td (as well as a decline in market risk-weighted assets. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 407.85 Td (addition, partially of) Tj ET Q q 0 0 0 rg BT 126.74 407.85 Td (fsetting the decrease in total risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 395.85 Td (weighted assets under the ) Tj ET Q q 0 0 0 rg BT 149.42 395.85 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 191.90 395.85 Td (Approaches was an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 383.85 Td (increase in operational risk-weighted assets reflecting an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 371.85 Td (evaluation of ongoing events in the banking industry) Tj ET Q q 0 0 0 rg BT 255.15 371.85 Td (, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 359.85 Td (well as continued enhancements to Citi) Tj ET Q q 0 0 0 rg BT 204.68 359.85 Td (s operational risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 347.85 Td (model.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 323.85 Td ( ) Tj ET Q endstream endobj 105 0 obj <> endobj 106 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (50) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 742.25 Td (Citigroup Risk-W) Tj ET Q q 0 0 0 rg BT 116.78 742.25 Td (eighted ) Tj ET Q q 0 0 0 rg BT 148.90 742.25 Td (Assets Rollforward \(Basel III ) Tj ET Q q 0 0 0 rg BT 271.88 742.25 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 314.56 742.25 Td (Approaches with Full Implementation\) ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 707.75 324.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 707.75 93.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 707.75 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 681.75 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 681.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 681.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 653.75 324.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 653.75 93.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 653.75 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 627.75 324.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 627.75 93.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 627.75 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 600.75 324.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 600.75 93.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 600.75 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 573.75 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 573.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 573.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 546.75 324.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 546.75 93.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 546.75 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 519.75 324.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 519.75 93.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 519.75 100.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 44.50 493.75 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 493.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 493.75 100.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 707.75 m 368.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 707.75 m 461.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 707.75 m 561.5 707.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 559.75 m 368.5 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 546.75 m 368.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 559.75 m 461.5 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 546.75 m 461.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 559.75 m 561.5 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 546.75 m 561.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 506.75 m 368.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 493.75 m 368.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 506.75 m 461.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 493.75 m 461.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 506.75 m 561.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 493.75 m 561.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 493.75 m 368.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 479.75 m 368.5 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 493.75 m 461.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 479.75 m 461.5 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 493.75 m 561.5 493.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 479.75 m 561.5 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 479.75 m 368.5 479.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 44.5 466.75 m 368.5 466.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 479.75 m 461.5 479.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 466.75 m 461.5 466.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 479.75 m 561.5 479.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 466.75 m 561.5 466.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 50.00 712.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.55 723.00 Td (Three Months Ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.05 712.20 Td (December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.05 723.00 Td (T) Tj ET Q q 0 0 0 rg BT 473.38 723.00 Td (welve Months Ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.15 712.20 Td (December) Tj ET Q q 0 0 0 rg BT 511.21 712.20 Td ( 31, 2015) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 544.96 716.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 47.00 699.15 Td ( Total Risk-Weighted Assets, beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.00 699.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.00 699.15 Td (1,254,473) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 699.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.00 699.15 Td (1,292,605) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 686.15 Td (Changes in Credit Risk-Weighted Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 672.21 Td (Net decrease in retail exposures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 164.45 676.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.25 672.20 Td (\(13,856) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 672.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.25 672.20 Td (\(26,399) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 672.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 658.21 Td (Net increase in wholesale exposures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 180.45 662.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.75 658.20 Td (1,668) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.75 658.20 Td (1,682) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 645.01 Td (Net decrease in repo-style transactions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.50 645.15 Td (\(935) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 645.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 645.15 Td (\(2,015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 645.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 632.01 Td (Net decrease in securitization exposures) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.75 632.15 Td (\(1,843) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 632.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 632.15 Td (\(2,563) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 632.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 619.01 Td (Net increase in equity exposures) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.75 619.15 Td (1,123) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.75 619.15 Td (1,722) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 605.21 Td (Net decrease in over) Tj ET Q q 0 0 0 rg BT 123.53 605.21 Td (-the-counter \(OTC\) derivatives) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 235.48 609.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.75 605.20 Td (\(3,119) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 605.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 605.20 Td (\(7,002) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 605.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 592.01 Td (Net decrease in derivatives CV) Tj ET Q q 0 0 0 rg BT 160.79 592.01 Td (A) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 167.29 596.09 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.50 592.15 Td (\(789) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 592.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 592.15 Td (\(4,418) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 592.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 578.21 Td (Net decrease in other exposures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 164.45 582.29 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.75 578.20 Td (\(8,875) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 578.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.25 578.20 Td (\(20,845) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 578.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 564.21 Td (Net decrease in supervisory 6% multiplier) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 201.70 568.29 Td (\(7\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.75 564.20 Td (\(1,550) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 564.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 564.20 Td (\(3,326) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 564.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 551.15 Td (Net decrease in Credit Risk-Weighted Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.00 551.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.25 551.15 Td (\(28,176) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 551.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 551.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.25 551.15 Td (\(63,164) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 551.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 538.15 Td (Changes in Market Risk-Weighted Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 524.21 Td (Net decrease in risk levels) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 144.46 528.29 Td (\(8\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.00 524.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.75 524.20 Td (\(7,662) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 524.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 524.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.25 524.20 Td (\(21,041) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 524.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 511.01 Td (Net decrease due to model and methodology updates) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 240.19 515.09 Td (\(9\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.75 511.15 Td (\(2,358) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 511.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.75 511.15 Td (\(4,623) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 511.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 498.15 Td (Net decrease in Market Risk-Weighted Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.00 498.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.25 498.15 Td (\(10,020) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 498.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 498.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.25 498.15 Td (\(25,664) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 498.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 484.20 Td (Incr) Tj ET Q q 0 0 0 rg BT 66.33 484.20 Td (ease in Operational Risk-W) Tj ET Q q 0 0 0 rg BT 172.09 484.20 Td (eighted ) Tj ET Q q 0 0 0 rg BT 201.84 484.20 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 225.84 488.28 Td (\(10\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.00 484.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 484.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 484.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.25 484.20 Td (12,500) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 50.00 471.15 Td (Total Risk-Weighted Assets, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.00 471.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.00 471.15 Td (1,216,277) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 471.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.00 471.15 Td (1,216,277) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 448.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 448.05 Td (The beginning balance of ) Tj ET Q q 0 0 0 rg BT 146.38 448.05 Td (T) Tj ET Q q 0 0 0 rg BT 150.71 448.05 Td (otal Risk-W) Tj ET Q q 0 0 0 rg BT 188.95 448.05 Td (eighted ) Tj ET Q q 0 0 0 rg BT 214.05 448.05 Td (Assets for the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.05 448.05 Td (twelve months ended) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.03 448.05 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.03 448.05 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 392.90 448.05 Td ( has been restated to reflect the retrospective ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 438.45 Td (adoption of ) Tj ET Q q 0 0 0 rg BT 101.22 438.45 Td (ASU 2014-01 for LIHTC investments, consistent with current period presentation. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 428.85 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 428.85 Td (Retail exposures decreased during the three months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 250.94 428.85 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.80 428.85 Td ( primarily due to reductions in loans, divestitures within the Citi Holdings ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 419.25 Td (portfolio, and the impact of FX translation. Retail exposures decreased during the twelve months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 396.02 419.25 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 458.89 419.25 Td ( primarily due to reductions in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 409.65 Td (loans and commitments, divestitures within the Citi Holdings portfolio and the impact of FX translation, partially of) Tj ET Q q 0 0 0 rg BT 434.36 409.65 Td (fset by the reclassification from other ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 400.05 Td (exposures of certain non-material portfolios.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 390.45 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 390.45 Td (Wholesale exposures increased during the three months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 264.27 390.45 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 327.13 390.45 Td ( primarily due to an increase in commitments, partially of) Tj ET Q q 0 0 0 rg BT 511.38 390.45 Td (fset by the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 380.85 Td (impact of FX translation. ) Tj ET Q q 0 0 0 rg BT 145.29 380.85 Td (Wholesale exposures increased during the twelve months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 351.89 380.85 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.75 380.85 Td ( primarily due to an increase in investments ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 371.25 Td (and commitments and the reclassification from other exposures of certain non-material portfolios, lar) Tj ET Q q 0 0 0 rg BT 386.53 371.25 Td (gely of) Tj ET Q q 0 0 0 rg BT 408.82 371.25 Td (fset by the impact of FX translation.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 361.65 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 361.65 Td (OTC derivatives decreased during the three months and twelve months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.37 361.65 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 376.24 361.65 Td ( primarily driven by exposure reduction and model ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 352.05 Td (updates. Further) Tj ET Q q 0 0 0 rg BT 114.67 352.05 Td (, parameter updates also contributed to the decrease in OTC derivatives during the three months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.56 352.05 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 507.43 352.05 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 342.45 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 342.45 Td (Derivatives CV) Tj ET Q q 0 0 0 rg BT 111.96 342.45 Td (A) Tj ET Q q 0 0 0 rg BT 117.29 342.45 Td ( decreased during the three months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.13 342.45 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 315.00 342.45 Td ( primarily driven by exposure reduction and parameter and model updates. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 332.85 Td (Derivatives CV) Tj ET Q q 0 0 0 rg BT 111.96 332.85 Td (A) Tj ET Q q 0 0 0 rg BT 117.29 332.85 Td ( decreased during the twelve months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 257.47 332.85 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.34 332.85 Td ( driven by exposure reduction, credit spread changes and model updates. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 323.25 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 323.25 Td (Other exposures include cleared transactions, unsettled transactions, assets other than those reportable in specific exposure categories and non-material ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 313.65 Td (portfolios. Other exposures decreased during the three months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 285.16 313.65 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 348.02 313.65 Td ( primarily due to decreased cleared transaction exposures, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 304.05 Td (reduction of retail non-material exposures and decreases in other assets. Other exposures decreased during the twelve months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.07 304.05 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 549.94 304.05 Td ( as ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 294.45 Td (a result of the reclassification to retail exposures and wholesale exposures of certain non-material portfolios, reduction in retail non-material exposures, and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 284.85 Td (decreases in other assets.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 275.25 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 275.25 Td (Supervisory 6% multiplier does not apply to derivatives CV) Tj ET Q q 0 0 0 rg BT 253.94 275.25 Td (A. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 265.65 Td (\(8\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 265.65 Td (Risk levels decreased during the three and twelve months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 270.05 265.65 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 332.91 265.65 Td ( primarily due to a reduction in positions subject to securitization ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 256.05 Td (char) Tj ET Q q 0 0 0 rg BT 76.62 256.05 Td (ges, the ongoing assessment regarding the applicability of the market risk capital rules to certain securitization positions, and a decrease in assets ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 246.45 Td (subject to standard specific risk char) Tj ET Q q 0 0 0 rg BT 179.48 246.45 Td (ges. In addition, further contributing to the decline in risk levels during the twelve months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.52 246.45 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 553.39 246.45 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 236.85 Td (were reductions in exposure levels subject to comprehensive risk, ) Tj ET Q q 0 0 0 rg BT 274.79 236.85 Td (V) Tj ET Q q 0 0 0 rg BT 279.68 236.85 Td (alue at Risk, and Stressed ) Tj ET Q q 0 0 0 rg BT 363.52 236.85 Td (V) Tj ET Q q 0 0 0 rg BT 368.41 236.85 Td (alue at Risk.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 227.25 Td (\(9\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 227.25 Td (Risk-weighted assets declined during the three months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.73 227.25 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 323.60 227.25 Td ( due to model volatility inputs.Risk-weighted assets declined during the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 217.65 Td (twelve months ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 132.98 217.65 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 195.85 217.65 Td ( due to the implementation of the V) Tj ET Q q 0 0 0 rg BT 312.34 217.65 Td (olcker Rule. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 208.05 Td (\(10\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 208.05 Td (Operational risk-weighted assets increased by $12.5 billion during the first quarter of 2015, reflecting an evaluation of ongoing events in the banking ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 198.45 Td (industry as well as continued enhancements to Citi) Tj ET Q q 0 0 0 rg BT 227.63 198.45 Td (s operational risk model.) Tj ET Q endstream endobj 107 0 obj <> endobj 108 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (51) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 742.25 Td (Supplementary Leverage Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 730.25 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 86.11 730.25 Td (s Supplementary Leverage ratio was 7.08% for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 718.25 Td (the fourth quarter of 2015, compared to 6.85% for the third ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 706.25 Td (quarter of 2015 and 5.94% for the fourth quarter of 2014. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 694.25 Td (The growth in the ratio quarter) Tj ET Q q 0 0 0 rg BT 167.81 694.25 Td (-over) Tj ET Q q 0 0 0 rg BT 188.71 694.25 Td (-quarter was principally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 682.25 Td (driven by an increase in ) Tj ET Q q 0 0 0 rg BT 142.84 682.25 Td (T) Tj ET Q q 0 0 0 rg BT 148.59 682.25 Td (ier 1 Capital attributable lar) Tj ET Q q 0 0 0 rg BT 258.93 682.25 Td (gely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 670.25 Td (to net income of $3.3 billion and a $1.5 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 658.25 Td (noncumulative perpetual preferred stock issuance, as well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 646.25 Td (as an overall reduction in ) Tj ET Q q 0 0 0 rg BT 148.39 646.25 Td (T) Tj ET Q q 0 0 0 rg BT 153.80 646.25 Td (otal Leverage Exposure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 634.25 Td (resulting from reduced on-balance sheet assets and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 622.25 Td (derivative exposures, partially of) Tj ET Q q 0 0 0 rg BT 176.44 622.25 Td (fset by a $1.8 billion return ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 610.25 Td (of capital to common shareholders in the form of share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 598.25 Td (repurchases and dividends. ) Tj ET Q q 0 0 0 rg BT 155.34 598.25 Td (The growth in the ratio from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 586.25 Td (fourth quarter of 2014 was also principally driven by an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 742.10 Td (increase in ) Tj ET Q q 0 0 0 rg BT 366.85 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 372.61 742.10 Td (ier 1 Capital attributable lar) Tj ET Q q 0 0 0 rg BT 482.94 742.10 Td (gely to net income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 730.10 Td (of $17.2 billion and approximately $6.2 billion \(net of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 718.10 Td (issuance costs\) of noncumulative perpetual preferred stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 706.10 Td (issuances, of) Tj ET Q q 0 0 0 rg BT 372.42 706.10 Td (fset in part by the return of capital to common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 694.10 Td (shareholders. Further) Tj ET Q q 0 0 0 rg BT 406.08 694.10 Td (, a decrease in ) Tj ET Q q 0 0 0 rg BT 465.03 694.10 Td (T) Tj ET Q q 0 0 0 rg BT 470.44 694.10 Td (otal Leverage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 682.10 Td (Exposure also contributed to the growth in the ratio from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 670.10 Td (the fourth quarter of 2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 658.10 Td (The following table sets forth Citi) Tj ET Q q 0 0 0 rg BT 478.09 658.10 Td (s Supplementary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 646.10 Td (Leverage ratio and related components, assuming full ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 634.10 Td (implementation under the U.S. Basel III rules, for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.55 634.10 Td (three ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 622.10 Td (months ended) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.33 622.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.83 622.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.41 622.10 Td ( and December 31, 2014. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 562.25 Td (Citigroup Basel III Supplementary Leverage Ratio and Related Components \(Full Implementation\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 537.75 341.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 537.75 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 537.75 92.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 509.75 341.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 509.75 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 509.75 92.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 481.75 341.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 481.75 84.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 481.75 92.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 450.75 341.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 450.75 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 450.75 92.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 422.75 341.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 422.75 84.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 422.75 92.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 395.75 341.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 395.75 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 395.75 92.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 367.75 341.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 367.75 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 367.75 92.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 537.75 m 386.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 537.75 m 470.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 537.75 m 562.5 537.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 523.75 m 386.5 523.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 523.75 m 470.5 523.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 523.75 m 562.5 523.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 409.75 m 386.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 409.75 m 386.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 409.75 m 470.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 409.75 m 562.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 381.75 m 386.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 381.75 m 470.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 381.75 m 562.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 367.75 m 386.5 367.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 353.75 m 386.5 353.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 367.75 m 470.5 367.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 353.75 m 470.5 353.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 367.75 m 562.5 367.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 353.75 m 562.5 353.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 48.00 542.00 Td (In millions of dollars, except ratios) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.70 542.20 Td (December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.20 542.21 Td (December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 547.93 546.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 528.20 Td (Tier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 528.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.75 528.20 Td (164,036) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 528.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 528.21 Td (148,066) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 514.20 Td (Total Leverage Exposure \(TLE\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 54.00 500.20 Td (On-balance sheet assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 144.50 504.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 500.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.00 500.20 Td (1,784,248) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 500.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 500.21 Td (1,899,955) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 54.00 486.20 Td (Certain off-balance sheet exposur) Tj ET Q q 0 0 0 rg BT 183.07 486.20 Td (es:) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 193.56 490.28 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.00 469.21 Td ( Potential future exposure \(PFE\) on derivative contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.75 469.20 Td (206,128) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 469.21 Td (240,712) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.00 455.21 Td ( Ef) Tj ET Q q 0 0 0 rg BT 69.08 455.21 Td (fective notional of sold credit derivatives, net) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 232.28 459.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.25 455.20 Td (76,923) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 455.21 Td (96,869) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.00 441.21 Td ( Counterparty credit risk for repo-style transactions) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 242.94 445.29 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.25 441.20 Td (25,939) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 441.21 Td (28,073) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.00 427.21 Td ( Unconditionally cancellable commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.25 427.20 Td (58,699) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 427.21 Td (61,673) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.00 414.01 Td ( Other off-balance sheet exposures) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.75 414.15 Td (225,450) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 414.01 Td (229,672) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 400.20 Td (Total of certain off-balance sheet exposures) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 400.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.75 400.20 Td (593,139) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 400.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 400.21 Td (656,999) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 386.21 Td (Less: Tier 1 Capital deductions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.25 386.20 Td (59,538) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 386.21 Td (64,318) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 372.20 Td (Total Leverage Exposure) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 372.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.00 372.20 Td (2,317,849) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 372.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 372.21 Td (2,492,636) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 358.20 Td (Supplementary Leverage ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.25 358.20 Td (7.08) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.00 358.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 358.21 Td (5.94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 358.21 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 335.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 335.05 Td (Restated to reflect the retrospective adoption of ) Tj ET Q q 0 0 0 rg BT 216.50 335.05 Td (ASU 2014-01 for LIHTC investments, consistent with current period presentation. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 325.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 325.45 Td (Represents the daily average of on-balance sheet assets for the quarter) Tj ET Q q 0 0 0 rg BT 286.91 325.45 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 315.85 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 315.85 Td (Represents the average of certain of) Tj ET Q q 0 0 0 rg BT 177.69 315.85 Td (f-balance sheet exposures calculated as of the last day of each month in the quarter) Tj ET Q q 0 0 0 rg BT 442.02 315.85 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 306.25 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 306.25 Td (Under the U.S. Basel III rules, banking or) Tj ET Q q 0 0 0 rg BT 196.60 306.25 Td (ganizations are required to include in ) Tj ET Q q 0 0 0 rg BT 317.30 306.25 Td (TLE the ef) Tj ET Q q 0 0 0 rg BT 351.80 306.25 Td (fective notional amount of sold credit derivatives, with netting of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 296.65 Td (exposures permitted if certain conditions are met. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 287.05 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 287.05 Td (Repo-style transactions include repurchase or reverse repurchase transactions and securities borrowing or securities lending transactions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 263.05 Td (Citibank) Tj ET Q q 0 0 0 rg BT 100.22 263.05 Td (s Supplementary Leverage ratio, assuming ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 251.05 Td (full implementation under the U.S. Basel III rules, was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 239.05 Td (6.65% for the fourth quarter of 2015, compared to 6.67% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 227.05 Td (for the third quarter of 2015 and 6.20% for the fourth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 215.05 Td (quarter of 2014. ) Tj ET Q q 0 0 0 rg BT 111.46 215.05 Td (The ratio remained substantially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 203.05 Td (unchanged from the third quarter of 2015 as the growth in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 191.05 Td (T) Tj ET Q q 0 0 0 rg BT 50.76 191.05 Td (ier 1 Capital resulting primarily from quarterly net income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 179.05 Td (and a $2.1 billion noncumulative perpetual preferred stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 167.05 Td (issuance was of) Tj ET Q q 0 0 0 rg BT 107.58 167.05 Td (fset by cash dividends paid by Citibank to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 155.05 Td (its parent, Citicorp, and which were subsequently remitted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 143.05 Td (to Citigroup. ) Tj ET Q q 0 0 0 rg BT 98.43 143.05 Td (The increase in the ratio from the fourth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 131.05 Td (quarter of 2014 was principally driven by net income and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 119.05 Td (DT) Tj ET Q q 0 0 0 rg BT 57.53 119.05 Td (A) Tj ET Q q 0 0 0 rg BT 64.20 119.05 Td ( utilization, as well as an overall reduction in ) Tj ET Q q 0 0 0 rg BT 246.19 119.05 Td (T) Tj ET Q q 0 0 0 rg BT 251.60 119.05 Td (otal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 107.05 Td (Leverage Exposure, partially of) Tj ET Q q 0 0 0 rg BT 171.43 107.05 Td (fset by cash dividends paid ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 95.05 Td (by Citibank to its parent, Citicorp, and which were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 83.05 Td (subsequently remitted to Citigroup. ) Tj ET Q endstream endobj 109 0 obj <> endobj 110 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (52) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 742.25 Td (Regulatory Capital Standards Developments) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 718.25 Td (Countercyclical Capital Buf) Tj ET Q q 0 0 0 rg BT 160.38 718.25 Td (fer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 706.25 Td (In December 2015, the Federal Reserve Board released a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 694.25 Td (proposed policy statement on the framework that would be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 682.25 Td (followed in setting the amount of the U.S. Countercyclical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 670.25 Td (Capital Buf) Tj ET Q q 0 0 0 rg BT 91.20 670.25 Td (fer for ) Tj ET Q q 0 0 0 rg BT 118.41 670.25 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 160.89 670.25 Td (Approaches banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 658.25 Td (or) Tj ET Q q 0 0 0 rg BT 53.15 658.25 Td (ganizations. In accordance with the U.S. Basel III rules, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 646.25 Td (the amount of the applicable Countercyclical Capital Buf) Tj ET Q q 0 0 0 rg BT 273.35 646.25 Td (fer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 634.25 Td (is equal to the weighted average of Countercyclical Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 622.25 Td (Buf) Tj ET Q q 0 0 0 rg BT 59.82 622.25 Td (fer amounts established by the Federal Reserve Board ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 610.25 Td (for the national jurisdictions where the ) Tj ET Q q 0 0 0 rg BT 201.63 610.25 Td (Advanced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 598.25 Td (Approaches banking or) Tj ET Q q 0 0 0 rg BT 138.13 598.25 Td (ganization has private sector credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 586.25 Td (exposures. ) Tj ET Q q 0 0 0 rg BT 89.44 586.25 Td (As a result, the Countercyclical Capital Buf) Tj ET Q q 0 0 0 rg BT 263.93 586.25 Td (fer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 574.25 Td (may dif) Tj ET Q q 0 0 0 rg BT 75.64 574.25 Td (fer for each ) Tj ET Q q 0 0 0 rg BT 123.67 574.25 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 166.15 574.25 Td (Approaches banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 562.25 Td (or) Tj ET Q q 0 0 0 rg BT 53.15 562.25 Td (ganization. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 550.25 Td (The Federal Reserve Board) Tj ET Q q 0 0 0 rg BT 175.46 550.25 Td (s proposed framework for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 538.25 Td (setting the U.S. Countercyclical Capital Buf) Tj ET Q q 0 0 0 rg BT 221.17 538.25 Td (fer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 526.25 Td (encompasses a number of financial-system vulnerabilities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 514.25 Td (as well as a wide range of financial and macroeconomic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 502.25 Td (quantitative indicators. However) Tj ET Q q 0 0 0 rg BT 175.39 502.25 Td (, given that no single ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 490.25 Td (indicator or fixed set of indicators can adequately capture ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 478.25 Td (all the key vulnerabilities in the U.S. economy and financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 466.25 Td (system, the types of indicators and models considered in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 454.25 Td (assessments of the appropriate level of the Countercyclical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 442.25 Td (Capital Buf) Tj ET Q q 0 0 0 rg BT 91.20 442.25 Td (fer are likely to change over time. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 430.25 Td (The Federal Reserve Board expects to consider the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 418.25 Td (applicable level of the U.S. Countercyclical Capital Buf) Tj ET Q q 0 0 0 rg BT 268.36 418.25 Td (fer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 406.25 Td (at least once per year) Tj ET Q q 0 0 0 rg BT 128.84 406.25 Td (. ) Tj ET Q q 0 0 0 rg BT 133.29 406.25 Td (An increase in the amount of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 394.25 Td (Countercyclical Capital Buf) Tj ET Q q 0 0 0 rg BT 157.01 394.25 Td (fer for U.S.-based credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 382.25 Td (exposures would generally have an ef) Tj ET Q q 0 0 0 rg BT 195.60 382.25 Td (fective date 12 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 370.25 Td (months after such determination, while a decrease in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 358.25 Td (amount of the Countercyclical Capital Buf) Tj ET Q q 0 0 0 rg BT 215.05 358.25 Td (fer would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 346.25 Td (generally become ef) Tj ET Q q 0 0 0 rg BT 125.88 346.25 Td (fective the day after such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 334.25 Td (determination. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 45.00 310.25 Td (Revisions to the Standardized ) Tj ET Q q 0 0 0 rg BT 168.54 310.25 Td (Approach for Credit Risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 298.25 Td (In December 2015, the Basel Committee on Banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 286.25 Td (Supervision \(Basel Committee\) issued a second ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 274.25 Td (consultative document which proposes various revisions to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 262.25 Td (the Standardized ) Tj ET Q q 0 0 0 rg BT 113.87 262.25 Td (Approach in deriving credit risk-weighted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 250.25 Td (assets. ) Tj ET Q q 0 0 0 rg BT 72.78 250.25 Td (As proposed, the revised Standardized ) Tj ET Q q 0 0 0 rg BT 228.30 250.25 Td (Approach ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 238.25 Td (seeks to balance risk sensitivity and complexity) Tj ET Q q 0 0 0 rg BT 234.86 238.25 Td (, and to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 226.25 Td (promote comparability of credit risk-weighted assets across ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 214.25 Td (banking or) Tj ET Q q 0 0 0 rg BT 87.87 214.25 Td (ganizations and jurisdictions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.00 202.25 Td (The proposal would, in part, revise the Standardized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 190.25 Td (Approach in measuring credit risk-weighted assets with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 178.25 Td (respect to certain on-balance sheet assets, such as in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 166.25 Td (relation to the risk-weighting methodologies employed with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 154.25 Td (respect to bank, corporate, and real estate \(both residential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 142.25 Td (and commercial\) exposures; the treatment of of) Tj ET Q q 0 0 0 rg BT 234.19 142.25 Td (f-balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 130.25 Td (sheet commitments; and aspects of the credit risk mitigation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 118.25 Td (framework. Moreover) Tj ET Q q 0 0 0 rg BT 132.90 118.25 Td (, the proposal would permit the use of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 106.25 Td (external credit ratings combined with due diligence ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 94.25 Td (requirements in the calculation of credit risk-weighted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 82.25 Td (assets for exposures to banks and corporates, while also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 70.25 Td (providing alternative approaches for jurisdictions that do ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 58.25 Td (not allow the use of external credit ratings for risk-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 46.25 Td (capital purposes, such as the U.S. Prior to finalizing the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 742.10 Td (proposal, the Basel Committee will be conducting a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 730.10 Td (comprehensive quantitative impact study so as to assist ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 718.10 Td (with assessing the risk-weighting calibration for each of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 706.10 Td (af) Tj ET Q q 0 0 0 rg BT 329.09 706.10 Td (fected exposure classes, as well as will evaluate the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 694.10 Td (appropriate implementation and transitional arrangements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 682.10 Td (The U.S. banking agencies have indicated that any changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 670.10 Td (to the U.S. Basel III rules as a result of the Basel ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 658.10 Td (Committee) Tj ET Q q 0 0 0 rg BT 368.72 658.10 Td (s proposed revisions to the Standardized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 646.10 Td (Approach would apply primarily to lar) Tj ET Q q 0 0 0 rg BT 476.00 646.10 Td (ge, internationally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 634.10 Td (active banking or) Tj ET Q q 0 0 0 rg BT 390.74 634.10 Td (ganizations. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 321.50 610.10 Td (Revised Minimum Capital Requirements for Market Risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 598.10 Td (In January 2016, the Basel Committee issued a final rule ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 586.10 Td (which sets forth a revised market risk capital framework, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 574.10 Td (resulting from the so-called fundamental review of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 562.10 Td (trading book and four quantitative impact studies over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 550.10 Td (several years. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 538.10 Td (The final rule establishes a revised boundary between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 526.10 Td (the trading book and banking book which, in part, provides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 514.10 Td (more prescriptive guidance as to qualifying trading book ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 502.10 Td (positions as well as imposes heightened restrictions and, in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 490.10 Td (certain instances, additional capital char) Tj ET Q q 0 0 0 rg BT 481.52 490.10 Td (ges, on the transfer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 478.10 Td (of positions between the trading book and banking book. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 466.10 Td (Moreover) Tj ET Q q 0 0 0 rg BT 360.53 466.10 Td (, the final rule also revises both the internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 454.10 Td (models approach and the standardized approach in certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 442.10 Td (respects. ) Tj ET Q q 0 0 0 rg BT 358.53 442.10 Td (W) Tj ET Q q 0 0 0 rg BT 367.56 442.10 Td (ith regard to the internal models approach, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 430.10 Td (final rule introduces a more comprehensive model to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 418.10 Td (measure market risk, provides for a more granular model ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 406.10 Td (approval process, and reduces the regulatory capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 394.10 Td (benefits of hedging activities and portfolio diversification. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 382.10 Td (The final rule revises the standardized approach, in part, by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 370.10 Td (calibrating it more closely to the internal models approach ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 358.10 Td (by increasing reliance on risk sensitivity inputs in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 346.10 Td (calculation of market risk capital requirements. ) Tj ET Q q 0 0 0 rg BT 512.63 346.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 334.10 Td (deadline for national jurisdictions to implement the revised ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 322.10 Td (market risk capital framework is January 1, 2019, with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 310.10 Td (ef) Tj ET Q q 0 0 0 rg BT 329.09 310.10 Td (fective date for banking or) Tj ET Q q 0 0 0 rg BT 434.97 310.10 Td (ganizations to begin reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 298.10 Td (under the revised framework, subject to any required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 286.10 Td (supervisory approvals, being December 31, 2019. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.50 274.10 Td (If the U.S. banking agencies were to adopt the Basel ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 262.10 Td (Committee) Tj ET Q q 0 0 0 rg BT 368.72 262.10 Td (s final rule unchanged, Citi believes its market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 250.10 Td (risk-weighted assets could increase significantly) Tj ET Q q 0 0 0 rg BT 514.13 250.10 Td (. However) Tj ET Q q 0 0 0 rg BT 555.38 250.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 238.10 Td (as set forth in the tables above, as of December 31, 2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 226.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 339.28 226.10 Td (s market risk-weighted assets constituted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 214.10 Td (approximately 6% of its total risk-weighted assets. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 202.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 370.84 202.10 Td (, Citi currently believes that the overall impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 190.10 Td (to its total risk-weighted assets and thus its risk-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 178.10 Td (capital ratios would not be material. Nevertheless, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 166.10 Td (ultimate impact to Citi) Tj ET Q q 0 0 0 rg BT 414.54 166.10 Td (s market risk-weighted assets and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 154.10 Td (potentially its risk-based capital ratios is uncertain and is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 142.10 Td (subject to several factors including, but not limited to, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 130.10 Td (U.S. banking agencies) Tj ET Q q 0 0 0 rg BT 413.51 130.10 Td ( implementation of a final rule, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 118.10 Td (potential changes in the scale and scope of future market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 106.10 Td (risk model approvals as well as potential risk mitigation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.50 94.10 Td (actions. ) Tj ET Q endstream endobj 111 0 obj <> endobj 112 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (53) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 50.75 742.25 Td (angible Common Equity) Tj ET Q q 0 0 0 rg BT 154.66 742.25 Td (, ) Tj ET Q q 0 0 0 rg BT 159.48 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 165.23 742.25 Td (angible Book ) Tj ET Q q 0 0 0 rg BT 223.40 742.25 Td (V) Tj ET Q q 0 0 0 rg BT 229.71 742.25 Td (alue Per) Tj ET Q q 0 0 0 rg BT 264.79 742.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 45.00 730.25 Td (Shar) Tj ET Q q 0 0 0 rg BT 65.38 730.25 Td (e and Book ) Tj ET Q q 0 0 0 rg BT 115.49 730.25 Td (V) Tj ET Q q 0 0 0 rg BT 121.80 730.25 Td (alue Per) Tj ET Q q 0 0 0 rg BT 156.88 730.25 Td ( Shar) Tj ET Q q 0 0 0 rg BT 179.76 730.25 Td (e) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 718.25 Td (T) Tj ET Q q 0 0 0 rg BT 50.41 718.25 Td (angible common equity \(TCE\), as currently defined by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 706.25 Td (Citi, represents common equity less goodwill and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 694.25 Td (intangible assets \(other than MSRs\). Other companies may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 682.25 Td (calculate ) Tj ET Q q 0 0 0 rg BT 82.85 682.25 Td (TCE in a dif) Tj ET Q q 0 0 0 rg BT 132.38 682.25 Td (ferent manner) Tj ET Q q 0 0 0 rg BT 187.63 682.25 Td (. ) Tj ET Q q 0 0 0 rg BT 192.45 682.25 Td (TCE and tangible book ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 670.25 Td (value per share are non-GAAP) Tj ET Q q 0 0 0 rg BT 167.92 670.25 Td ( financial measures. Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 658.25 Td (believes these capital metrics provide useful information, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.00 646.25 Td (they are used by investors and industry analysts.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 599.75 379.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 599.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 599.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 571.75 379.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 571.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 571.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 543.75 379.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 543.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 543.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 515.75 379.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 515.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 515.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 487.75 379.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 487.75 69.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 487.75 69.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 45.50 461.75 379.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 461.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 461.75 69.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 599.75 m 424.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 599.75 m 493.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 599.75 m 562.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 599.75 m 424.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 599.75 m 493.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 599.75 m 562.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 571.75 m 493.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 571.75 m 562.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 571.75 m 424.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 571.75 m 493.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 571.75 m 562.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 501.75 m 424.5 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 501.75 m 493.5 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 501.75 m 562.5 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 501.75 m 424.5 501.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 487.75 m 424.5 487.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 501.75 m 493.5 501.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 487.75 m 493.5 487.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 501.75 m 562.5 501.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 487.75 m 562.5 487.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 461.75 m 424.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 461.75 m 493.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 461.75 m 562.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 447.75 m 424.5 447.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 45.5 433.75 m 424.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 447.75 m 493.5 447.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 433.75 m 493.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 447.75 m 562.5 447.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 433.75 m 562.5 433.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 51.00 604.00 Td (In millions of dollars or shares, except per share amounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.30 615.00 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.50 604.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.25 615.01 Td (December 31, ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.05 604.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 533.05 608.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 590.20 Td (Total Citigroup stockholders equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 590.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.75 590.20 Td (221,857) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 590.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 590.21 Td (210,185) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 576.21 Td (Less: Preferred stock) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.25 576.20 Td (16,718) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 576.21 Td (10,468) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 562.20 Td (Common equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 562.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.75 562.20 Td (205,139) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 562.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 562.21 Td (199,717) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 548.21 Td (Less:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 534.21 Td ( Goodwill) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.25 534.20 Td (22,349) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 534.21 Td (23,592) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 520.21 Td ( Intangible assets \(other than MSRs\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.75 520.20 Td (3,721) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 520.21 Td (4,566) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 506.21 Td ( Goodwill and intangible assets \(other than MSRs\) related to assets held-for-sale) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 506.20 Td (68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 506.21 Td (71) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 492.20 Td (Tangible common equity \(TCE\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 492.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.75 492.20 Td (179,001) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 492.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 492.21 Td (171,488) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 466.20 Td (Common shares outstanding \(CSO\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.00 466.20 Td (2,953.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.00 466.21 Td (3,023.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 452.20 Td (Tangible book value per share \(TCE/CSO\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 452.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.75 452.20 Td (60.61) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 452.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 452.21 Td (56.71) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.00 438.20 Td (Book value per share \(common equity/CSO\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 438.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.75 438.20 Td (69.46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 438.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 438.21 Td (66.05) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 412.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 63.00 412.65 Td (Restated to reflect the retrospective adoption of ) Tj ET Q q 0 0 0 rg BT 216.50 412.65 Td (ASU 2014-01 for LIHTC investments, consistent with current period presentation. ) Tj ET Q endstream endobj 113 0 obj <> endobj 114 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (54) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (RISK F) Tj ET Q q 0 0 0 rg BT 74.78 747.90 Td (ACT) Tj ET Q q 0 0 0 rg BT 99.90 747.90 Td (ORS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 723.90 Td (The following discussion sets forth what management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 711.90 Td (currently believes could be the most significant risks and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 699.90 Td (uncertainties that could impact Citi) Tj ET Q q 0 0 0 rg BT 179.30 699.90 Td (s businesses, results of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 687.90 Td (operations and financial condition. Other risks and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 675.90 Td (uncertainties, including those not currently known to Citi or its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 663.90 Td (management, could also negatively impact Citi) Tj ET Q q 0 0 0 rg BT 227.06 663.90 Td (s businesses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 651.90 Td (results of operations and financial condition. ) Tj ET Q q 0 0 0 rg BT 219.11 651.90 Td (Thus, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 639.90 Td (following should not be considered a complete discussion of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 627.90 Td (all of the risks and uncertainties Citi may face.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 603.90 Td (REGULA) Tj ET Q q 0 0 0 rg BT 78.04 603.90 Td (T) Tj ET Q q 0 0 0 rg BT 84.53 603.90 Td (OR) Tj ET Q q 0 0 0 rg BT 99.18 603.90 Td (Y) Tj ET Q q 0 0 0 rg BT 106.03 603.90 Td ( RISKS) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 579.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.59 579.90 Td (s Inability to Enhance Its 2015 Resolution Plan ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 567.90 Td (Submission Could Subject It to More Stringent Capital, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 555.90 Td (Leverage or Liquidity Requirements, or Restrictions on Its ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 543.90 Td (Growth, ) Tj ET Q q 0 0 0 rg BT 71.75 543.90 Td (Activities or Operations, and Could Eventually ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 531.90 Td (Require Citi to Divest ) Tj ET Q q 0 0 0 rg BT 126.74 531.90 Td (Assets or Operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 519.90 Td (T) Tj ET Q q 0 0 0 rg BT 41.76 519.90 Td (itle I of the Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 139.24 519.90 Td (Act requires Citi to annually prepare ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 507.90 Td (and submit a plan to the Federal Reserve Board and the FDIC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 495.90 Td (for the orderly resolution of Citigroup \(the bank holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 483.90 Td (company\), and its significant legal entities, under the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 471.90 Td (Bankruptcy Code or other applicable insolvency law in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 459.90 Td (event of future material financial distress or failure \(T) Tj ET Q q 0 0 0 rg BT 251.11 459.90 Td (itle I ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 447.90 Td (Resolution Plan\). ) Tj ET Q q 0 0 0 rg BT 110.26 447.90 Td (The ) Tj ET Q q 0 0 0 rg BT 128.13 447.90 Td (T) Tj ET Q q 0 0 0 rg BT 133.89 447.90 Td (itle I Resolution Plan requires ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 435.90 Td (significant ef) Tj ET Q q 0 0 0 rg BT 88.30 435.90 Td (fort, time and cost across all of Citi) Tj ET Q q 0 0 0 rg BT 232.16 435.90 Td (s businesses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 423.90 Td (and geographies, and is subject to review by the Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 411.90 Td (Reserve Board and the FDIC. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 399.90 Td (Under ) Tj ET Q q 0 0 0 rg BT 81.31 399.90 Td (T) Tj ET Q q 0 0 0 rg BT 87.07 399.90 Td (itle I, if the Federal Reserve Board and the FDIC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 387.90 Td (jointly determine that Citi) Tj ET Q q 0 0 0 rg BT 142.37 387.90 Td (s 2015 ) Tj ET Q q 0 0 0 rg BT 171.08 387.90 Td (T) Tj ET Q q 0 0 0 rg BT 176.84 387.90 Td (itle I Resolution Plan is not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 375.90 Td (credible \(which, although not defined, is generally believed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 363.90 Td (to mean the regulators do not believe the plan is feasible or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 351.90 Td (would otherwise allow the regulators to resolve Citi in a way ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 339.90 Td (that protects systemically important functions without severe ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 327.90 Td (systemic disruption\), or would not facilitate an orderly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 315.90 Td (resolution of Citi under the U.S. Bankruptcy Code, and Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 303.90 Td (fails to resubmit a resolution plan that remedies any identified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 291.90 Td (deficiencies, Citi could be subjected to more stringent capital, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 279.90 Td (leverage or liquidity requirements, or restrictions on its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 267.90 Td (growth, activities or operations. If within two years from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 255.90 Td (imposition of any requirements or restrictions Citi has still not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 243.90 Td (remediated any identified deficiencies, then Citi could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 231.90 Td (eventually be required to divest certain assets or operations.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 275.09 231.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 219.90 Td (Any such restrictions or actions would negatively impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 207.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 207.90 Td (s reputation, market and investor perception, operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 195.90 Td (and strategy) Tj ET Q q 0 0 0 rg BT 83.94 195.90 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 183.90 Td (In ) Tj ET Q q 0 0 0 rg BT 64.28 183.90 Td (August 2014, the Federal Reserve Board and the FDIC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 171.90 Td (announced the completion of reviews of the 2013 ) Tj ET Q q 0 0 0 rg BT 236.32 171.90 Td (T) Tj ET Q q 0 0 0 rg BT 242.07 171.90 Td (itle I ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 159.90 Td (Resolution Plans submitted by Citi and 10 other financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 147.90 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 87.77 147.90 Td (The agencies identified shortcomings with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 135.90 Td (firms) Tj ET Q q 0 0 0 rg BT 59.70 135.90 Td ( 2013 ) Tj ET Q q 0 0 0 rg BT 84.52 135.90 Td (T) Tj ET Q q 0 0 0 rg BT 90.27 135.90 Td (itle I Resolution Plans, including Citi) Tj ET Q q 0 0 0 rg BT 241.94 135.90 Td (s. ) Tj ET Q q 0 0 0 rg BT 253.15 135.90 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 123.90 Td (shortcomings generally included \(i\) assumptions that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 111.90 Td (agencies regarded as unrealistic or inadequately supported, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 99.90 Td (such as assumptions about the likely behavior of customers, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 87.90 Td (counterparties, investors, central clearing facilities and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 75.90 Td (regulators; and \(ii\) the failure to make, or identify) Tj ET Q q 0 0 0 rg BT 234.45 75.90 Td (, the kinds of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 63.90 Td (changes in firm structure and practices that would be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 51.90 Td (necessary to enhance the prospects for orderly resolution. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (Significantly) Tj ET Q q 0 0 0 rg BT 375.01 749.10 Td (, the FDIC determined that the 2013 ) Tj ET Q q 0 0 0 rg BT 522.02 749.10 Td (T) Tj ET Q q 0 0 0 rg BT 527.78 749.10 Td (itle I ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (Resolution Plans submitted by the 1) Tj ET Q q 0 0 0 rg BT 467.79 737.10 Td (1 institutions, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (Citi, were not credible and did not facilitate an orderly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (resolution under the U.S. Bankruptcy Code. ) Tj ET Q q 0 0 0 rg BT 504.35 713.10 Td (The Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (Reserve Board determined that the plans of the 1) Tj ET Q q 0 0 0 rg BT 519.12 701.10 Td (1 institutions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (were required to take immediate action to improve their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (resolvability and reflect those improvements in their 2015 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (plans. ) Tj ET Q q 0 0 0 rg BT 352.06 665.10 Td (At the same time, the Federal Reserve Board and FDIC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (indicated that if the identified shortcomings were not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (addressed in the 2015 ) Tj ET Q q 0 0 0 rg BT 413.24 641.10 Td (T) Tj ET Q q 0 0 0 rg BT 419.00 641.10 Td (itle I Resolution Plan submissions, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (agencies expected to use their authority under ) Tj ET Q q 0 0 0 rg BT 509.58 629.10 Td (T) Tj ET Q q 0 0 0 rg BT 515.34 629.10 Td (itle I, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (discussed above. Like other similarly-situated institutions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (Citi submitted its 2015 ) Tj ET Q q 0 0 0 rg BT 417.72 605.10 Td (T) Tj ET Q q 0 0 0 rg BT 423.47 605.10 Td (itle I Resolution Plan on July 1, 2015 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (and the industry has not yet received a formal response from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (the regulators.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.59 557.10 Td (s ) Tj ET Q q 0 0 0 rg BT 347.61 557.10 Td (Ability to Return Capital to Shareholders Substantially ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (Depends on the CCAR Process and the Results of Regulatory ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (Stress T) Tj ET Q q 0 0 0 rg BT 356.14 533.10 Td (ests. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (In addition to Board of Directors) Tj ET Q q 0 0 0 rg BT 457.95 521.10 Td ( approval, any decision by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (Citi to return capital to shareholders, whether through an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (increase in its common stock dividend or through a share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (repurchase program, substantially depends on regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (approval, including through the CCAR process required by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (Federal Reserve Board and the supervisory stress tests ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (required under the Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 450.63 449.10 Td (Act. In March 2014, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (Federal Reserve Board announced that it objected to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (capital plan submitted by Citi as part of the 2014 CCAR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (process, meaning Citi was not able to increase its return of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (capital to shareholders as it had requested. Restrictions on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 389.10 Td (s ability to return capital to shareholders as a result of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (2014 CCAR process negatively impacted market and investor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (perceptions of Citi, and continued restrictions could do so in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (the future.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 341.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 359.78 341.10 Td (s ability to accurately predict or explain to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (stakeholders the outcome of the CCAR process, and thus ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (address any such market or investor perceptions, is dif) Tj ET Q q 0 0 0 rg BT 541.26 317.10 Td (ficult as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (the Federal Reserve Board) Tj ET Q q 0 0 0 rg BT 433.13 305.10 Td (s assessment of Citi is conducted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (not only by using the Board) Tj ET Q q 0 0 0 rg BT 438.16 293.10 Td (s proprietary stress test models, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (but also a number of qualitative factors, including a detailed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (assessment of Citi) Tj ET Q q 0 0 0 rg BT 399.55 269.10 Td (s capital adequacy process, as defined by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (the Federal Reserve Board. ) Tj ET Q q 0 0 0 rg BT 437.67 257.10 Td (These qualitative factors were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (cited by the Federal Reserve Board in its objection to Citi) Tj ET Q q 0 0 0 rg BT 557.28 245.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (2014 capital plan, and the Board has stated that it expects ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (leading capital adequacy practices will continue to evolve and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (will likely be determined by the Board each year as a result of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (its cross-firm review of capital plan submissions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 185.10 Td (Similarly) Tj ET Q q 0 0 0 rg BT 378.57 185.10 Td (, the Federal Reserve Board has indicated that, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (part of its stated goal to continually evolve its annual stress ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (testing requirements, several parameters of the annual stress ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (testing process may be altered from time to time, including the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (severity of the stress test scenario, Federal Reserve Board ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (modeling of Citi) Tj ET Q q 0 0 0 rg BT 392.89 125.10 Td (s balance sheet and the addition of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (components deemed important by the Federal Reserve Board ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (\(e.g., a counterparty failure\). In addition, the Federal Reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (Board indicated that it may consider that some or all of Citi) Tj ET Q q 0 0 0 rg BT 564.78 89.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (GSIB surchar) Tj ET Q q 0 0 0 rg BT 378.53 77.10 Td (ge be integrated into its post-stress test minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (capital requirements. ) Tj ET Q q 0 0 0 rg BT 412.67 65.10 Td (These parameter and other alterations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (could further increase the level of capital Citi must meet as ) Tj ET Q endstream endobj 115 0 obj <> endobj 116 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (part of the stress tests, thus potentially impacting the level of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (capital returns to shareholders.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 725.10 Td (Further) Tj ET Q q 0 0 0 rg BT 83.04 725.10 Td (, because it is not clear how the Federal Reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (Board) Tj ET Q q 0 0 0 rg BT 63.22 713.10 Td (s proprietary stress test models may dif) Tj ET Q q 0 0 0 rg BT 219.67 713.10 Td (fer from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (modeling techniques employed by Citi, it is possible that Citi) Tj ET Q q 0 0 0 rg BT 283.76 701.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (stress test results \(using its own models, estimation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (methodologies and processes\) may not be consistent with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (those disclosed by the Federal Reserve Board, thus potentially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (leading to additional confusion and impacts to Citi) Tj ET Q q 0 0 0 rg BT 241.24 653.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (perception in the market.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (Citi, Its Management and Businesses Must Continually ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (Review) Tj ET Q q 0 0 0 rg BT 65.06 605.10 Td (, ) Tj ET Q q 0 0 0 rg BT 69.69 605.10 Td (Analyze and Successfully ) Tj ET Q q 0 0 0 rg BT 176.27 605.10 Td (Adapt to Ongoing ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (Regulatory Changes and Uncertainties in the U.S. and ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (Globally) Tj ET Q q 0 0 0 rg BT 70.62 581.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.12 581.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (Despite the adoption of final regulations in numerous areas ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (impacting Citi and its businesses over the past several years, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (including final U.S. Basel III capital rules, certain derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (reforms and restrictions on proprietary trading under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (V) Tj ET Q q 0 0 0 rg BT 41.93 521.10 Td (olcker Rule, Citi, its management and businesses continually ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (face ongoing regulatory changes and uncertainties, both in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (U.S. and globally) Tj ET Q q 0 0 0 rg BT 105.35 497.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 485.10 Td (While the areas of ongoing regulatory changes and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (uncertainties facing Citi are too numerous to list completely) Tj ET Q q 0 0 0 rg BT 275.29 473.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (various examples include, but are not limited to: \(i\) limits on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (the level of credit risk Citi may have against certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (counterparties; \(ii\) potential changes to various aspects of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (regulatory capital framework applicable to Citi \(see Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (ResourcesRegulatory Capital Standards Developments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (above\); \(iii\) financial transaction taxes and/or other types of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (increased fees on financial institutions; \(iv\) international ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (versions of the ) Tj ET Q q 0 0 0 rg BT 97.20 377.10 Td (V) Tj ET Q q 0 0 0 rg BT 103.13 377.10 Td (olcker Rule and bank structural reforms; \(v\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (whether and to what extent the European Union and CFTC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (will render any equivalency determinations or regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (acknowledgment of the equivalency of derivatives regimes; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (\(vi\) U.S. and international requirements relating to sanctions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (against Russia, Iran and other countries; and \(vii\) the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (banking agencies) Tj ET Q q 0 0 0 rg BT 107.73 305.10 Td ( rules relating to the net stable funding ratio, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (or NSFR \(see Managing Global RiskLiquidity Risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (below\). ) Tj ET Q q 0 0 0 rg BT 71.09 281.10 Td (There may also be regulatory changes not yet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (contemplated, or changes that have been proposed which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (could take a dramatically dif) Tj ET Q q 0 0 0 rg BT 150.21 257.10 Td (ferent form upon finalization. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 245.10 Td (Moreover) Tj ET Q q 0 0 0 rg BT 93.03 245.10 Td (, certain recent regulatory changes, while final, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (remain in the implementation period, and it remains uncertain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (what ultimate impact such changes will have on Citi) Tj ET Q q 0 0 0 rg BT 248.17 221.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (businesses, results of operations or financial condition. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (example, in October and December 2015, the U.S. banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (regulators and CFTC, respectively) Tj ET Q q 0 0 0 rg BT 173.09 185.10 Td (, adopted final rules relating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (to mar) Tj ET Q q 0 0 0 rg BT 61.64 173.10 Td (gin requirements for uncleared swaps. ) Tj ET Q q 0 0 0 rg BT 218.91 173.10 Td (The final rules, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (which have a three-year phase-in period beginning on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (September 1, 2016, will require Citi to both collect and post ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (mar) Tj ET Q q 0 0 0 rg BT 51.37 137.10 Td (gin to counterparties, as well as collect and post mar) Tj ET Q q 0 0 0 rg BT 260.57 137.10 Td (gin to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (certain of its af) Tj ET Q q 0 0 0 rg BT 96.07 125.10 Td (filiates, in connection with any uncleared swap, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (with the initial mar) Tj ET Q q 0 0 0 rg BT 112.19 113.10 Td (gin required to be held by unaf) Tj ET Q q 0 0 0 rg BT 235.31 113.10 Td (filiated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (third-party custodians. ) Tj ET Q q 0 0 0 rg BT 130.80 101.10 Td (While Citi continues to work through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (the implications of the final rules, it is likely these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (requirements will significantly increase the cost to Citi and its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (counterparties of conducting uncleared swaps and impact its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (current inter) Tj ET Q q 0 0 0 rg BT 84.94 53.10 Td (-af) Tj ET Q q 0 0 0 rg BT 95.86 53.10 Td (filiate swap practices \(e.g., require clearing of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (more inter) Tj ET Q q 0 0 0 rg BT 365.17 749.10 Td (-af) Tj ET Q q 0 0 0 rg BT 376.09 749.10 Td (filiate swaps and/or enter into risk management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (swaps with third parties\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 725.10 Td (Ongoing regulatory changes and uncertainties make Citi) Tj ET Q q 0 0 0 rg BT 570.27 725.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (and its management) Tj ET Q q 0 0 0 rg BT 406.75 713.10 Td (s long-term business, balance sheet and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (budget planning dif) Tj ET Q q 0 0 0 rg BT 402.14 701.10 Td (ficult or subject to change, and can ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (negatively impact Citi) Tj ET Q q 0 0 0 rg BT 415.65 689.10 Td (s results of operations, financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (condition and, potentially) Tj ET Q q 0 0 0 rg BT 425.83 677.10 Td (, its strategy or or) Tj ET Q q 0 0 0 rg BT 495.91 677.10 Td (ganizational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (structure. In addition, in many cases, business planning is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (required to be based on possible or proposed rules, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (requirements or outcomes and is further complicated by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (management) Tj ET Q q 0 0 0 rg BT 377.87 629.10 Td (s continual need to review and evaluate the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (impact on Citi) Tj ET Q q 0 0 0 rg BT 384.00 617.10 Td (s businesses of ongoing rule proposals, final ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (rules and implementation guidance from numerous regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (bodies worldwide, which such guidance can change. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (Moreover) Tj ET Q q 0 0 0 rg BT 363.03 581.10 Td (, in many instances U.S. and international regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (initiatives have not been undertaken or implemented on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (coordinated basis, and areas of diver) Tj ET Q q 0 0 0 rg BT 469.87 557.10 Td (gence have developed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (with respect to the scope, interpretation, timing, structure or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (approach, leading to inconsistent or even conflicting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (regulations, including within a single jurisdiction. Regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (changes have also significantly increased Citi) Tj ET Q q 0 0 0 rg BT 509.22 509.10 Td (s compliance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (risks and costs \(see Compliance, Conduct and Legal Risks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (below\).) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (CREDIT) Tj ET Q q 0 0 0 rg BT 362.72 461.10 Td ( ) Tj ET Q q 0 0 0 rg BT 364.66 461.10 Td (AND MARKET) Tj ET Q q 0 0 0 rg BT 433.65 461.10 Td ( RISKS) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.59 437.10 Td (s Results of Operations Could Be Negatively Impacted ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (as Its Revolving Home Equity Lines of Credit Continue to ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (Reset.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (As of December 31, 2015, Citi) Tj ET Q q 0 0 0 rg BT 449.81 401.10 Td (s home equity loan portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (included approximately $12.3 billion of home equity lines of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (credit that were still within their revolving period and had not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (commenced amortization, or reset \(Revolving HELOCs\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (Of these Revolving HELOCs, approximately 66% will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (commence amortization during 2016 and 2017 \(for additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (information, see Managing Global RiskCredit Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (Consumer Credit below\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 305.10 Td (Before commencing amortization, Revolving HELOC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (borrowers are required to pay only interest on their loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (Upon amortization, these borrowers are required to pay both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (interest, usually at a variable rate, and principal that typically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (amortizes over 20 years, rather than the typical 30-year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (amortization. ) Tj ET Q q 0 0 0 rg BT 381.49 245.10 Td (As a result, Citi) Tj ET Q q 0 0 0 rg BT 447.04 245.10 Td (s customers with Revolving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (HELOCs that reset could experience payment shock due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (the higher required payments on the loans. Increases in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (interest rates could further increase these payments, given the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (variable nature of the interest rates on these loans post-reset.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 185.10 Td (Citi has experienced a higher 30+ days past due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (delinquency rate on its amortizing home equity loans as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (compared to its total outstanding home equity loan portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (\(amortizing and non-amortizing\). Moreover) Tj ET Q q 0 0 0 rg BT 501.60 149.10 Td (, resets to date ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (have generally occurred during a period of historically low ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (interest rates, which Citi believes has likely reduced the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (overall payment shock to borrowers. ) Tj ET Q q 0 0 0 rg BT 475.17 113.10 Td (While Citi continues to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (monitor this reset risk closely and will continue to consider ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (any potential impact in determining its allowance for loan loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (reserves, as well as review and take additional actions to of) Tj ET Q q 0 0 0 rg BT 560.68 77.10 Td (fset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (potential reset risk, increasing interest rates, stricter lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (criteria and high borrower loan-to-value positions could limit ) Tj ET Q endstream endobj 117 0 obj <> endobj 118 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (56) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 749.10 Td (s ability to reduce or mitigate this reset risk going ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (forward. ) Tj ET Q q 0 0 0 rg BT 74.60 737.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 123.93 737.10 Td (, as these loans further reset during 2016 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (and 2017, Citi could continue to experience higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (delinquency rates as well as increased loan loss reserves and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (net credit losses in future periods, which could negatively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (impact its results of operations.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (Macroeconomic and Geopolitical Challenges Globally Could ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (Have a Negative Impact on Citi) Tj ET Q q 0 0 0 rg BT 168.29 653.10 Td (s Businesses and Results of ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (Operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (Citi has experienced, and could experience in the future, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (negative impacts to its businesses and results of operations as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (a result of macroeconomic and geopolitical challenges, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (uncertainties and volatility) Tj ET Q q 0 0 0 rg BT 141.99 593.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 581.10 Td (Ener) Tj ET Q q 0 0 0 rg BT 72.70 581.10 Td (gy and other commodity prices significantly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (deteriorated during the second half of 2015 and into 2016, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (which has impacted various financial markets, countries and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (industries. Global economic growth remains uneven and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (uncertain. ) Tj ET Q q 0 0 0 rg BT 78.02 533.10 Td (V) Tj ET Q q 0 0 0 rg BT 84.13 533.10 Td (arious regions or countries, including certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (emer) Tj ET Q q 0 0 0 rg BT 55.80 521.10 Td (ging markets, have experienced slower or no growth and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (volatility) Tj ET Q q 0 0 0 rg BT 71.46 509.10 Td (, whether due to macroeconomic conditions or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (geopolitical tensions, governmental or regulatory policies or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (economic conditions within the particular region or country) Tj ET Q q 0 0 0 rg BT 273.90 485.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (For example, the economic and fiscal situations of several ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (European countries remain fragile, and geopolitical tensions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (throughout the region, including in Russia and the Middle ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (East, have added to the uncertainties. ) Tj ET Q q 0 0 0 rg BT 189.37 437.10 Td (While concerns relating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (to sovereign defaults or a partial or complete break-up of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (European Monetary Union \(EMU\), including potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (accompanying redenomination risks and uncertainties, seemed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (to have abated somewhat in recent years, concerns and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (uncertainties have surfaced in Europe over the potential exit of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (the United Kingdom from the European Union in 2016. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (addition, governmental fiscal and monetary actions, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (expected actions, have impacted the volatilities of global ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (financial markets and foreign exchange rates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 317.10 Td (These and other global macroeconomic and geopolitical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (challenges, uncertainties and volatilities have impacted, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (could continue to negatively impact, Citi) Tj ET Q q 0 0 0 rg BT 202.07 293.10 Td (s businesses, results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (of operations and financial condition, including its credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (costs, revenues in its ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 121.26 269.10 Td (Markets and securities services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.56 269.10 Td (and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (businesses, and ) Tj ET Q q 0 0 0 rg BT 99.61 257.10 Td (AOCI \(which can in turn negatively impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 245.10 Td (s book and tangible book value\). Further) Tj ET Q q 0 0 0 rg BT 218.35 245.10 Td (, if the economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (situation in a non-U.S. jurisdiction where Citi operates were to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (deteriorate below a certain level, U.S. regulators can and have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (imposed mandatory loan loss and other reserve requirements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (on Citi, which could negatively impact its cost of credit and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (earnings, perhaps significantly) Tj ET Q q 0 0 0 rg BT 157.82 185.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.59 161.10 Td (s Significant Presence in the Emerging Markets ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (Subjects It to V) Tj ET Q q 0 0 0 rg BT 97.96 149.10 Td (arious Risks as well as Increased Compliance ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (and Regulatory Risks and Costs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (During 2015, emer) Tj ET Q q 0 0 0 rg BT 111.63 125.10 Td (ging markets revenues accounted for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (approximately 41% of Citi) Tj ET Q q 0 0 0 rg BT 145.70 113.10 Td (s total revenues \(for additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (information on how Citi defines the emer) Tj ET Q q 0 0 0 rg BT 201.34 101.10 Td (ging markets as well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (as its exposures in certain of these markets, see Managing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (Global RiskCountry Risk below\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 65.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 65.10 Td (s significant presence in the emer) Tj ET Q q 0 0 0 rg BT 205.16 65.10 Td (ging markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (subjects it to a number of risks, including sovereign volatility) Tj ET Q q 0 0 0 rg BT 280.87 53.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (political events, foreign exchange controls, limitations on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (foreign investment, sociopolitical instability \(including from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (hyper) Tj ET Q q 0 0 0 rg BT 346.57 725.10 Td (-inflation\), fraud, nationalization or loss of licenses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (business restrictions, sanctions or asset freezes, potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (criminal char) Tj ET Q q 0 0 0 rg BT 376.85 701.10 Td (ges, closure of branches or subsidiaries and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (confiscation of assets. For example, Citi operates in several ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (countries that have, or have had in the recent past, strict ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (foreign exchange controls, such as ) Tj ET Q q 0 0 0 rg BT 463.96 665.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 474.33 665.10 Td (gentina and) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 520.70 665.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.20 665.10 Td (V) Tj ET Q q 0 0 0 rg BT 529.31 665.10 Td (enezuela, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (that limit its ability to convert local currency into U.S. dollars ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (and/or transfer funds outside the country) Tj ET Q q 0 0 0 rg BT 485.81 641.10 Td (. Citi has also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (previously discovered fraud in certain emer) Tj ET Q q 0 0 0 rg BT 497.92 629.10 Td (ging markets in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (which it operates in prior years. Political turmoil and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (instability have occurred in certain countries, such as in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (Russia, Ukraine and the Middle East, which have required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (management time and attention \(e.g., monitoring the impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (sanctions on the Russian economy as well as Citi) Tj ET Q q 0 0 0 rg BT 523.42 569.10 Td (s businesses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (and results of operations\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 545.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 359.78 545.10 Td (s emer) Tj ET Q q 0 0 0 rg BT 385.98 545.10 Td (ging markets presence also increases its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (compliance and regulatory risks and costs. For example, Citi) Tj ET Q q 0 0 0 rg BT 572.00 533.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (operations in emer) Tj ET Q q 0 0 0 rg BT 398.24 521.10 Td (ging markets, including facilitating cross-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (border transactions on behalf of its clients, subject it to higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (compliance risks under U.S. regulations primarily focused on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (various aspects of global corporate activities, such as anti-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (money-laundering regulations and the Foreign Corrupt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (Practices ) Tj ET Q q 0 0 0 rg BT 362.04 461.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 383.80 461.10 Td (These risks can be more acute in less developed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (markets and thus require substantial investment in compliance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (infrastructure or could result in a reduction in certain of Citi) Tj ET Q q 0 0 0 rg BT 566.70 437.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (business activities. ) Tj ET Q q 0 0 0 rg BT 403.44 425.10 Td (Any failure by Citi to comply with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (applicable U.S. regulations, as well as the regulations in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (countries and markets in which it operates as a result of its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (global footprint, could result in fines, penalties, injunctions or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (other similar restrictions, any of which could negatively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (impact Citi) Tj ET Q q 0 0 0 rg BT 371.50 365.10 Td (s results of operations and its reputation.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (Concentrations of Risk Can Increase the Potential for Citi to ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (Incur Significant Losses.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 427.63 329.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (Concentrations of risk, particularly credit and market risk, can ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (increase Citi) Tj ET Q q 0 0 0 rg BT 377.04 305.10 Td (s risk of significant losses. ) Tj ET Q q 0 0 0 rg BT 487.31 305.10 Td (As of December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (2015, Citi) Tj ET Q q 0 0 0 rg BT 366.78 293.10 Td (s most significant concentration of credit risk was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (with the U.S. government and its agencies, which primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (results from trading assets and investments issued by the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (government and its agencies \(for additional information, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (Note 24 to the Consolidated Financial Statements\). Citi also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (routinely executes a high volume of securities, trading, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (derivative and foreign exchange transactions with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (counterparties in the financial services industry) Tj ET Q q 0 0 0 rg BT 512.45 209.10 Td (, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (banks, insurance companies, investment banks, government ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (and central banks and other financial institutions. ) Tj ET Q q 0 0 0 rg BT 525.71 185.10 Td (T) Tj ET Q q 0 0 0 rg BT 531.12 185.10 Td (o the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (extent regulatory or market developments lead to increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (centralization of trading activity through particular clearing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (houses, central agents or exchanges, this could also increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 137.10 Td (s concentration of risk in this industry) Tj ET Q q 0 0 0 rg BT 492.78 137.10 Td (. Concentrations of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (risk can limit, and have limited, the ef) Tj ET Q q 0 0 0 rg BT 475.72 125.10 Td (fectiveness of Citi) Tj ET Q q 0 0 0 rg BT 551.26 125.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (hedging strategies and have caused Citi to incur significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (losses, and they may do so again in the future.) Tj ET Q endstream endobj 119 0 obj <> endobj 120 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (57) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (LIQUIDITY) Tj ET Q q 0 0 0 rg BT 90.09 749.25 Td ( RISKS) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (The Federal Reserve Board) Tj ET Q q 0 0 0 rg BT 152.18 725.25 Td (s T) Tj ET Q q 0 0 0 rg BT 163.76 725.25 Td (otal Loss-Absorbing Capacity ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (Proposal Includes Uncertainties and Potential Operational ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (Dif) Tj ET Q q 0 0 0 rg BT 49.15 701.25 Td (ficulties That Could Have a Negative Impact on Citi) Tj ET Q q 0 0 0 rg BT 266.17 701.25 Td (s ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (Funding and Liquidity) Tj ET Q q 0 0 0 rg BT 129.54 689.25 Td (, Costs of Funds and Results of ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (Operations.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 84.06 677.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (T) Tj ET Q q 0 0 0 rg BT 41.76 665.25 Td (itle II of the Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 142.57 665.25 Td (Act grants the FDIC the authority) Tj ET Q q 0 0 0 rg BT 276.62 665.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (under certain circumstances, to resolve systemically important ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (financial institutions, including Citi. ) Tj ET Q q 0 0 0 rg BT 185.53 641.25 Td (The FDIC has released a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (notice describing its preferred single point of entry strategy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (for such resolution, pursuant to which, generally) Tj ET Q q 0 0 0 rg BT 229.19 617.25 Td (, a bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (holding company would be placed in receivership, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (unsecured long-term debt of the holding company would bear ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (losses and the operating subsidiaries would be recapitalized. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 569.25 Td (Consistent with this strategy) Tj ET Q q 0 0 0 rg BT 166.96 569.25 Td (, in November 2015, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (Federal Reserve Board issued a notice of proposed rulemaking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (to require GSIBs, including Citi, to \(i\) issue and maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (minimum levels of external total loss-absorbing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (capacity \(TLAC\) and long-term debt \(L) Tj ET Q q 0 0 0 rg BT 198.63 521.25 Td (TD\), and \(ii\) adhere ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (to various clean holding company requirements at the bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (holding company level, including a prohibition on third-party ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (short-term borrowings, derivatives and other qualified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (financial contracts and certain guarantees, as well as a limit on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (other non-TLAC eligible liabilities, such as structured notes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (and other operating liabilities. ) Tj ET Q q 0 0 0 rg BT 158.29 449.25 Td (While not included in its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (proposed requirements, the Federal Reserve Board also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (indicated it was considering additional domestic internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (TLAC requirements for U.S. GSIBs which could require, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (among other things, the pre-positioning of specified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (amounts of ) Tj ET Q q 0 0 0 rg BT 83.04 389.25 Td (TLAC to certain material subsidiaries of the bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (holding company \(for a summary of the ) Tj ET Q q 0 0 0 rg BT 197.72 377.25 Td (TLAC proposal, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (Managing Global RiskLiquidity Risk below\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 353.25 Td (There are significant uncertainties and interpretive issues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.25 Td (arising from the Federal Reserve Board) Tj ET Q q 0 0 0 rg BT 196.78 341.25 Td (s proposal. ) Tj ET Q q 0 0 0 rg BT 244.93 341.25 Td (W) Tj ET Q q 0 0 0 rg BT 253.97 341.25 Td (ith ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.25 Td (respect to the minimum external L) Tj ET Q q 0 0 0 rg BT 173.09 329.25 Td (TD and ) Tj ET Q q 0 0 0 rg BT 205.68 329.25 Td (TLAC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.25 Td (requirements, the proposal would disqualify from eligible L) Tj ET Q q 0 0 0 rg BT 274.47 317.25 Td (TD ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.25 Td (securities that permit acceleration for reasons other than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.25 Td (insolvency or non-payment of principal or interest as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.25 Td (securities not governed by U.S. law) Tj ET Q q 0 0 0 rg BT 177.82 281.25 Td (. Consistent with industry ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.25 Td (standards, the vast majority of Citi) Tj ET Q q 0 0 0 rg BT 177.09 269.25 Td (s otherwise eligible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.25 Td (outstanding L) Tj ET Q q 0 0 0 rg BT 90.36 257.25 Td (TD provides for acceleration in circumstances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.25 Td (other than those permitted by the proposal. ) Tj ET Q q 0 0 0 rg BT 209.30 245.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 259.20 245.25 Td (, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.25 Td (has outstanding a significant amount of L) Tj ET Q q 0 0 0 rg BT 201.16 233.25 Td (TD not governed by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.25 Td (U.S. law but which would otherwise be eligible to count ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.25 Td (towards the minimum external L) Tj ET Q q 0 0 0 rg BT 166.16 209.25 Td (TD requirement. ) Tj ET Q q 0 0 0 rg BT 234.75 209.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 284.09 209.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.25 Td (if the requirements are adopted as proposed, and no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.25 Td (grandfathering of existing outstanding L) Tj ET Q q 0 0 0 rg BT 205.59 185.25 Td (TD is provided, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.25 Td (could be required to refinance or issue significant amounts of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.25 Td (additional debt, simultaneously with other GSIBs impacted by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.25 Td (the requirements. Further) Tj ET Q q 0 0 0 rg BT 139.46 149.25 Td (, such ineligible debt securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.25 Td (would count against the limit imposed on non-TLAC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.25 Td (liabilities imposed under the clean holding company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.25 Td (requirements of the proposal, likely resulting in the need to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.25 Td (repurchase significant amounts of Citi) Tj ET Q q 0 0 0 rg BT 191.52 101.25 Td (s outstanding debt in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.25 Td (order not to be in breach of such limitations. ) Tj ET Q q 0 0 0 rg BT 217.90 89.25 Td (Any of these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.25 Td (actions could negatively and significantly impact Citi) Tj ET Q q 0 0 0 rg BT 252.62 77.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.25 Td (funding and liquidity management and planning, operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.25 Td (and costs of funds. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (The clean holding company requirements pose additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (operational challenges and uncertainties. Citi, like many bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (holding companies, often guarantees the obligations of its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (subsidiaries, which guarantees include a default right linked to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (the insolvency of Citi \(i.e., downstream guarantees with cross-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (default provisions\). ) Tj ET Q q 0 0 0 rg BT 406.58 689.10 Td (W) Tj ET Q q 0 0 0 rg BT 415.62 689.10 Td (ith no grandfathering of such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (guarantees contemplated by the proposal, restructuring, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (revising or replacing the extensive number of guarantees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (outstanding in order to meet the clean holding company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (requirements could be costly and expose Citi to legal risk. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (Further) Tj ET Q q 0 0 0 rg BT 353.04 629.10 Td (, the potential consequences of breaching the proposed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (clean holding company requirements, as well as the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (consequences of not meeting many of the other requirements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (in the Federal Reserve Board) Tj ET Q q 0 0 0 rg BT 443.40 593.10 Td (s proposal, are not clear) Tj ET Q q 0 0 0 rg BT 538.24 593.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (including what would be required to cure and the timeframe to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (do so. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 557.10 Td (In addition, any requirement to pre-position ) Tj ET Q q 0 0 0 rg BT 519.28 557.10 Td (TLAC-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (eligible instruments with material subsidiaries could result in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (additional funding inef) Tj ET Q q 0 0 0 rg BT 415.46 533.10 Td (ficiencies, increase Citi) Tj ET Q q 0 0 0 rg BT 511.81 533.10 Td (s overall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 365.21 521.10 Td (TLAC requirements by reducing the fungibility of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (its funding sources and require certain of Citi) Tj ET Q q 0 0 0 rg BT 508.12 509.10 Td (s subsidiaries to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (replace lower cost funding with other higher cost funding, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (which would further impede Citi) Tj ET Q q 0 0 0 rg BT 457.86 485.10 Td (s funding and liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (management and planning, costs of funds and results of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (operations.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (The Maintenance of ) Tj ET Q q 0 0 0 rg BT 410.02 437.10 Td (Adequate Liquidity and Funding ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (Depends on Numerous Factors, Including Those Outside of ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.59 413.10 Td (s Control, Such as Market Disruptions and Increases in ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.59 401.10 Td (s Credit Spreads.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (As a global financial institution, adequate liquidity and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (sources of funding are essential to Citi) Tj ET Q q 0 0 0 rg BT 480.63 377.10 Td (s businesses. Citi) Tj ET Q q 0 0 0 rg BT 552.03 377.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (liquidity and sources of funding can be significantly and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (negatively impacted by factors it cannot control, such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (general disruptions in the financial markets, governmental ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (fiscal and monetary policies, regulatory changes or negative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (investor perceptions of Citi) Tj ET Q q 0 0 0 rg BT 435.92 317.10 Td (s creditworthiness.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 305.10 Td (In addition, Citi) Tj ET Q q 0 0 0 rg BT 408.39 305.10 Td (s cost and ability to obtain deposits, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (secured funding and long-term unsecured funding are directly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (related to its credit spreads. Changes in credit spreads ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (constantly occur and are market driven, including both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (external market factors and factors specific to Citi, and can be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (highly volatile. Citi) Tj ET Q q 0 0 0 rg BT 404.83 245.10 Td (s credit spreads may also be influenced by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (movements in the costs to purchasers of credit default swaps ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (referenced to Citi) Tj ET Q q 0 0 0 rg BT 396.74 221.10 Td (s long-term debt, which are also impacted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (by these external and Citi-specific factors. Moreover) Tj ET Q q 0 0 0 rg BT 534.35 209.10 Td (, Citi) Tj ET Q q 0 0 0 rg BT 557.13 209.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (ability to obtain funding may be impaired if other market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (participants are seeking to access the markets at the same time, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (or if market appetite is reduced, as is likely to occur in a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (liquidity or other market crisis. In addition, clearing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (or) Tj ET Q q 0 0 0 rg BT 332.15 149.10 Td (ganizations, regulators, clients and financial institutions with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (which Citi interacts may exercise the right to require ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (additional collateral based on these market perceptions or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (market conditions, which could further impair Citi) Tj ET Q q 0 0 0 rg BT 528.68 113.10 Td (s access to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (and cost of funding.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 89.10 Td (As a holding company) Tj ET Q q 0 0 0 rg BT 431.61 89.10 Td (, Citi relies on dividends, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (distributions and other payments from its subsidiaries to fund ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (dividends as well as to satisfy its debt and other obligations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (Several of Citi) Tj ET Q q 0 0 0 rg BT 385.10 53.10 Td (s U.S. and non-U.S. subsidiaries are or may be ) Tj ET Q endstream endobj 121 0 obj <> endobj 122 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (58) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (subject to capital adequacy or other regulatory or contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (restrictions on their ability to provide such payments, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (including any local regulatory stress test requirements or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (potential domestic internal ) Tj ET Q q 0 0 0 rg BT 144.96 713.10 Td (TLAC requirements \(as discussed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (above\). Limitations on the payments that Citi receives from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (its subsidiaries could also impact its liquidity) Tj ET Q q 0 0 0 rg BT 215.89 689.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (The Credit Rating ) Tj ET Q q 0 0 0 rg BT 112.58 665.10 Td (Agencies Continuously Review the Credit ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (Ratings of Citi and Certain of Its Subsidiaries, and Ratings ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (Downgrades Could Have a Negative Impact on Citi) Tj ET Q q 0 0 0 rg BT 249.97 641.10 Td (s ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (Funding and Liquidity Due to Reduced Funding Capacity ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (and Increased Funding Costs, Including Derivatives ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (T) Tj ET Q q 0 0 0 rg BT 41.74 605.10 Td (riggers That Could Require Cash Obligations or Collateral ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (Requirements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 95.73 593.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (The credit rating agencies, such as Fitch, Moody) Tj ET Q q 0 0 0 rg BT 233.45 581.10 Td (s and S&P) Tj ET Q q 0 0 0 rg BT 274.57 581.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (continuously evaluate Citi and certain of its subsidiaries, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (their ratings of Citi and its more significant subsidiaries) Tj ET Q q 0 0 0 rg BT 261.33 557.10 Td ( long-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (term/senior debt and short-term/commercial paper) Tj ET Q q 0 0 0 rg BT 236.63 545.10 Td (, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (applicable, are based on a number of factors, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (standalone financial strength, as well as factors not entirely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (within the control of Citi and its subsidiaries, such as the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (agencies) Tj ET Q q 0 0 0 rg BT 73.01 497.10 Td ( proprietary rating agency methodologies and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (assumptions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 85.45 485.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.95 485.10 Td (and conditions af) Tj ET Q q 0 0 0 rg BT 156.64 485.10 Td (fecting the financial services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (industry and markets generally) Tj ET Q q 0 0 0 rg BT 158.92 473.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 461.10 Td (Citi and its subsidiaries may not be able to maintain their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (current respective ratings. Ratings downgrades could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (negatively impact Citi) Tj ET Q q 0 0 0 rg BT 127.65 437.10 Td (s ability to access the capital markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (and other sources of funds as well as the costs of those funds, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (and its ability to maintain certain deposits. ) Tj ET Q q 0 0 0 rg BT 210.14 413.10 Td (A) Tj ET Q q 0 0 0 rg BT 216.81 413.10 Td ( ratings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (downgrade could also have a negative impact on Citi) Tj ET Q q 0 0 0 rg BT 250.94 401.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (funding and liquidity due to reduced funding capacity) Tj ET Q q 0 0 0 rg BT 250.57 389.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (including derivative triggers, which could take the form of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (cash obligations and collateral requirements. In addition, a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (ratings downgrade could also have a negative impact on other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (funding sources, such as secured financing and other mar) Tj ET Q q 0 0 0 rg BT 264.91 341.10 Td (gined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (transactions for which there are no explicit triggers, as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (on contractual provisions, which contain minimum ratings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (thresholds in order for Citi to hold third-party funds.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 293.10 Td (Moreover) Tj ET Q q 0 0 0 rg BT 93.03 293.10 Td (, credit ratings downgrades can have impacts, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (which may not be currently known to Citi or which are not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (possible to quantify) Tj ET Q q 0 0 0 rg BT 114.23 269.10 Td (. For example, some entities may have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (ratings limitations as to their permissible counterparties, of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (which Citi may or may not be aware. In addition, certain of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 233.10 Td (s corporate customers and trading counterparties, among ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (other clients, could re-evaluate their business relationships ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (with Citi and limit the trading of certain contracts or market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (instruments with Citi in response to ratings downgrades. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (Changes in customer and counterparty behavior could impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (not only Citi) Tj ET Q q 0 0 0 rg BT 89.34 173.10 Td (s funding and liquidity but also the results of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (operations of certain Citi businesses. For additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (information on the potential impact of a reduction in Citi) Tj ET Q q 0 0 0 rg BT 266.22 149.10 Td (s or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (Citibank, N.A.) Tj ET Q q 0 0 0 rg BT 97.67 137.10 Td (s credit ratings, see Managing Global Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (Liquidity Risk below) Tj ET Q q 0 0 0 rg BT 124.79 125.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (OPERA) Tj ET Q q 0 0 0 rg BT 358.26 749.25 Td (TIONAL) Tj ET Q q 0 0 0 rg BT 397.16 749.25 Td ( RISKS) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (Citi Has Co-Branding and Private Label Credit Card ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (Relationships with V) Tj ET Q q 0 0 0 rg BT 408.48 713.25 Td (arious Retailers and Merchants and the ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (Failure to Maintain These Relationships or the Renewal of ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (These Relationships on Less Favorable T) Tj ET Q q 0 0 0 rg BT 493.37 689.25 Td (erms Could Have a ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (Negative Impact on Citi) Tj ET Q q 0 0 0 rg BT 424.63 677.25 Td (s Results of Operations or Financial ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (Condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (Through its Citi-branded cards and Citi retail services credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 Td (card businesses, Citi has co-branding and private label ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.25 Td (relationships with various retailers and merchants globally in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 Td (the ordinary course of business whereby Citi issues credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.25 Td (cards to customers of the retailers or merchants. Citi) Tj ET Q q 0 0 0 rg BT 538.38 605.25 Td (s co-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.25 Td (branding and private label agreements provide for shared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.25 Td (economics between the parties and generally have a fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.25 Td (term. ) Tj ET Q q 0 0 0 rg BT 349.64 569.25 Td (The five lar) Tj ET Q q 0 0 0 rg BT 396.10 569.25 Td (gest relationships constituted an aggregate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.25 Td (of approximately 10% of Citi) Tj ET Q q 0 0 0 rg BT 444.53 557.25 Td (s revenues for the year ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.25 Td (December 31, 2015.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 533.25 Td (Competition among card issuers, including Citi, for these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.25 Td (relationships is significant. ) Tj ET Q q 0 0 0 rg BT 435.93 521.25 Td (As a result, Citi may not be able to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 Td (renew these relationships, or the relationships may be renewed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.25 Td (on terms substantially less favorable to Citi) Tj ET Q q 0 0 0 rg BT 500.08 497.25 Td (s credit card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.25 Td (businesses. ) Tj ET Q q 0 0 0 rg BT 373.54 485.25 Td (These relationships could also be negatively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.25 Td (impacted due to, among other things, operational dif) Tj ET Q q 0 0 0 rg BT 533.49 473.25 Td (ficulties ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.25 Td (of the retailer or merchant, termination due to a breach by Citi, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.25 Td (the retailer or merchant of its responsibilities, or external ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.25 Td (factors, including bankruptcies, liquidations, restructurings, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.25 Td (consolidations and other similar events. ) Tj ET Q q 0 0 0 rg BT 487.40 425.25 Td (While various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.25 Td (mitigating factors could be available to Citi if any of these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.25 Td (events were to occur - such as by replacing the retailer or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.25 Td (merchant or of) Tj ET Q q 0 0 0 rg BT 382.68 389.25 Td (fering new card products - such events could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.25 Td (negatively impact Citi) Tj ET Q q 0 0 0 rg BT 415.65 377.25 Td (s results of operations or financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.25 Td (condition. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 341.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.59 341.25 Td (s Operational Systems and Networks Have Been, and ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 329.25 Td (W) Tj ET Q q 0 0 0 rg BT 332.52 329.25 Td (ill Continue to Be, Subject to an Increasing Risk of ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 317.25 Td (Continually Evolving Cybersecurity or Other T) Tj ET Q q 0 0 0 rg BT 516.70 317.25 Td (echnological ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 305.25 Td (Risks ) Tj ET Q q 0 0 0 rg BT 348.55 305.25 Td (Which Could Result in the Theft, Loss, Misuse or ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 293.25 Td (Disclosure of Confidential Client or Customer Information, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 281.25 Td (Damage to Citi) Tj ET Q q 0 0 0 rg BT 388.81 281.25 Td (s Reputation, ) Tj ET Q q 0 0 0 rg BT 445.40 281.25 Td (Additional Costs to Citi, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 269.25 Td (Regulatory Penalties, Legal Exposure and Financial Losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.25 Td (A) Tj ET Q q 0 0 0 rg BT 330.67 257.25 Td ( significant portion of Citi) Tj ET Q q 0 0 0 rg BT 437.88 257.25 Td (s operations relies heavily on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.25 Td (secure processing, storage and transmission of confidential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.25 Td (and other information as well as the monitoring of a lar) Tj ET Q q 0 0 0 rg BT 544.87 233.25 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.25 Td (number of complex transactions on a minute-by-minute basis. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.25 Td (For example, through its ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 424.82 209.25 Td (Global Consumer Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.04 209.25 Td (, credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.25 Td (card and securities services businesses, Citi obtains and stores ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.25 Td (an extensive amount of personal and client-specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.25 Td (information for its retail, corporate and governmental ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.25 Td (customers and clients and must accurately record and reflect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.25 Td (their extensive account transactions. ) Tj ET Q q 0 0 0 rg BT 471.27 149.25 Td (W) Tj ET Q q 0 0 0 rg BT 480.30 149.25 Td (ith the evolving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.25 Td (proliferation of new technologies and the increasing use of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.25 Td (Internet and mobile devices to conduct financial transactions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.25 Td (lar) Tj ET Q q 0 0 0 rg BT 334.37 113.25 Td (ge, global financial institutions such as Citi have been, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.25 Td (will continue to be, subject to an increasing risk of cyber ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.25 Td (incidents from these activities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 77.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 359.78 77.25 Td (s computer systems, software and networks are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.25 Td (subject to ongoing cyber incidents such as unauthorized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.25 Td (access; loss or destruction of data \(including confidential ) Tj ET Q endstream endobj 123 0 obj <> endobj 124 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (59) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (client information\); account takeovers; unavailability of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (service; computer viruses or other malicious code; cyber ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (attacks; and other events. ) Tj ET Q q 0 0 0 rg BT 141.89 725.10 Td (These threats arise from numerous ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (sources, not all of which are in Citi) Tj ET Q q 0 0 0 rg BT 179.30 713.10 Td (s control, including among ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (others human error) Tj ET Q q 0 0 0 rg BT 111.68 701.10 Td (, fraud or malice on the part of employees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (or third parties, accidental technological failure, electrical or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (telecommunication outages, failures of computer servers or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (other damage to Citi) Tj ET Q q 0 0 0 rg BT 120.70 665.10 Td (s property or assets, natural disasters or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (severe weather conditions, health emer) Tj ET Q q 0 0 0 rg BT 191.59 653.10 Td (gencies or pandemics, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (or outbreaks of hostilities or terrorist acts. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 629.10 Td (Additional challenges are posed by external parties, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (including extremist parties and certain foreign state actors that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (engage in cyber activities as a means to promote political ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (ends. ) Tj ET Q q 0 0 0 rg BT 61.28 593.10 Td (As further evidence of the increasing and potentially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (significant impact of cyber incidents, during 2015, the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (government as well as several multinational companies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (reported cyber incidents af) Tj ET Q q 0 0 0 rg BT 142.71 557.10 Td (fecting their computer systems that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (resulted in the data of millions of customers and employees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (being compromised. In addition, in recent years several U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (retailers and financial institutions and other multinational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (companies reported cyber incidents that compromised ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (customer data.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 485.10 Td (While Citi has not been materially impacted by these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (reported or other cyber incidents, Citi has been subject to other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (intentional cyber incidents from external sources over the last ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (several years, including \(i\) denial of service attacks, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (attempted to interrupt service to clients and customers; \(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (data breaches, which obtained unauthorized access to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (customer account data; and \(iii\) malicious software attacks on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (client systems, which attempted to allow unauthorized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (entrance to Citi) Tj ET Q q 0 0 0 rg BT 100.42 389.10 Td (s systems under the guise of a client and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (extraction of client data. ) Tj ET Q q 0 0 0 rg BT 138.00 377.10 Td (While Citi) Tj ET Q q 0 0 0 rg BT 182.71 377.10 Td (s monitoring and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (protection services were able to detect and respond to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (incidents tar) Tj ET Q q 0 0 0 rg BT 84.97 353.10 Td (geting its systems before they became significant, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (they still resulted in limited losses in some instances as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (increases in expenditures to monitor against the threat of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (similar future cyber incidents. ) Tj ET Q q 0 0 0 rg BT 160.78 317.10 Td (There can be no assurance that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (such cyber incidents will not occur again, and they could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (occur more frequently and on a more significant scale.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 281.10 Td (Although Citi devotes significant resources to implement, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (maintain, monitor and regularly upgrade its systems and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (networks with measures such as intrusion detection and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (prevention and firewalls to safeguard critical business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (applications, there is no guarantee that these measures or any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (other measures can provide absolute security) Tj ET Q q 0 0 0 rg BT 215.01 221.10 Td (. In addition, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (because the methods used to cause cyber attacks change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (frequently or) Tj ET Q q 0 0 0 rg BT 87.52 197.10 Td (, in some cases, are not recognized until ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (launched, Citi may be unable to implement ef) Tj ET Q q 0 0 0 rg BT 218.54 185.10 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (preventive measures or proactively address these methods ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (until they are discovered.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 149.10 Td (If Citi were to be subject to a cyber incident, it could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (result in the disclosure of personal, confidential or proprietary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (client information, damage to Citi) Tj ET Q q 0 0 0 rg BT 174.58 125.10 Td (s reputation with its clients ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (and the market, customer dissatisfaction, additional costs to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (Citi \(such as repairing systems, replacing customer payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (cards or adding new personnel or protection technologies\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (regulatory penalties, exposure to litigation and other financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (losses to both Citi and its clients and customers. Such events ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (could also cause interruptions or malfunctions in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (operations of Citi \(such as the lack of availability of Citi) Tj ET Q q 0 0 0 rg BT 552.28 749.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (online banking system or mobile banking platform\), as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (the operations of its clients, customers or other third parties. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (Given Citi) Tj ET Q q 0 0 0 rg BT 368.72 713.10 Td (s global footprint and the high volume of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (transactions processed by Citi, certain errors or actions may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (repeated or compounded before they are discovered and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (rectified, which would further increase these costs and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (consequences.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 653.10 Td (Third parties with which Citi does business, as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (retailers and other third parties with which Citi) Tj ET Q q 0 0 0 rg BT 514.23 641.10 Td (s customers do ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (business, may also be sources of cybersecurity or other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (operational and technological risks, particularly where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (activities of customers are beyond Citi) Tj ET Q q 0 0 0 rg BT 480.90 605.10 Td (s security and control ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (systems. Citi outsources certain functions, such as processing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (customer credit card transactions, uploading content on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (customer) Tj ET Q q 0 0 0 rg BT 360.46 569.10 Td (-facing websites, and developing software for new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (products and services. ) Tj ET Q q 0 0 0 rg BT 417.40 557.10 Td (These relationships allow for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (storage and processing of customer information by third-party ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (hosting of or access to Citi websites, which could result in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (service disruptions or website defacements, a risk the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (confidentiality) Tj ET Q q 0 0 0 rg BT 381.67 509.10 Td (, privacy and security of data held by third ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (parties may be compromised and the potential to introduce ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (vulnerable code, resulting in security breaches impacting Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 369.37 473.10 Td (While Citi engages in certain actions to reduce the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (exposure resulting from outsourcing, such as performing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (onsite security control assessments and limiting third-party ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (access to the least privileged level necessary to perform job ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (functions, ongoing threats may result in unauthorized access, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (loss or destruction of data or other cyber incidents with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (increased costs and consequences to Citi such as those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (discussed above. Furthermore, because financial institutions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (are becoming increasingly interconnected with central agents, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (exchanges and clearing houses, including as a result of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (derivatives reforms over the last few years, Citi has increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (exposure to operational failure or cyber attacks through third ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (parties.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 317.10 Td (While Citi maintains insurance coverage that may) Tj ET Q q 0 0 0 rg BT 544.28 317.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (subject to policy terms and conditions including significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (self-insured deductibles, cover certain aspects of cyber risks, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (such insurance coverage may be insuf) Tj ET Q q 0 0 0 rg BT 475.70 281.10 Td (ficient to cover all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (losses.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.59 245.10 Td (s ) Tj ET Q q 0 0 0 rg BT 347.61 245.10 Td (Ability to Utilize Its DT) Tj ET Q q 0 0 0 rg BT 442.62 245.10 Td (As, and Thus Reduce the ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (Negative Impact of the DT) Tj ET Q q 0 0 0 rg BT 432.87 233.10 Td (As on Citi) Tj ET Q q 0 0 0 rg BT 476.58 233.10 Td (s Regulatory Capital, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (W) Tj ET Q q 0 0 0 rg BT 332.52 221.10 Td (ill Be Driven by Its ) Tj ET Q q 0 0 0 rg BT 412.42 221.10 Td (Ability to Generate U.S. T) Tj ET Q q 0 0 0 rg BT 518.17 221.10 Td (axable ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (Income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (At December 31, 2015, Citi) Tj ET Q q 0 0 0 rg BT 437.87 197.10 Td (s net DT) Tj ET Q q 0 0 0 rg BT 471.50 197.10 Td (As were approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td ($47.8 billion, of which approximately $31.0 billion was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (excluded from Citi) Tj ET Q q 0 0 0 rg BT 402.32 173.10 Td (s Common Equity ) Tj ET Q q 0 0 0 rg BT 477.42 173.10 Td (T) Tj ET Q q 0 0 0 rg BT 483.17 173.10 Td (ier 1 Capital, on a fully ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (implemented basis, under the U.S. Basel III rules \(for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (additional information, see Capital ResourcesComponents ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (of Citigroup Capital Under Basel III \(Advanced ) Tj ET Q q 0 0 0 rg BT 517.56 137.10 Td (Approaches ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (with Full Implementation\) above\). In addition, of the net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (DT) Tj ET Q q 0 0 0 rg BT 336.53 113.10 Td (As as of year) Tj ET Q q 0 0 0 rg BT 388.81 113.10 Td (-end 2015, approximately $15.9 billion related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (to foreign tax credit carry-forwards \(FTCs\). ) Tj ET Q q 0 0 0 rg BT 503.76 101.10 Td (The carry-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (forward utilization period for FTCs is 10 years and represents ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (the most time-sensitive component of Citi) Tj ET Q q 0 0 0 rg BT 494.81 77.10 Td (s DT) Tj ET Q q 0 0 0 rg BT 513.73 77.10 Td (As. Of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (FTCs at year) Tj ET Q q 0 0 0 rg BT 375.46 65.10 Td (-end 2015, approximately $4.8 billion expire in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (2018 and the remaining $1) Tj ET Q q 0 0 0 rg BT 430.83 53.10 Td (1.1 billion expire over the period of ) Tj ET Q endstream endobj 125 0 obj <> endobj 126 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (60) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (2019-2025. Citi must utilize any FTCs generated in the then-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (current year tax return prior to utilizing any carry-forward ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (FTCs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 713.10 Td (The accounting treatment for realization of DT) Tj ET Q q 0 0 0 rg BT 240.89 713.10 Td (As, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (including FTCs, is complex and requires significant judgment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (and estimates regarding future taxable earnings in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (jurisdictions in which the DT) Tj ET Q q 0 0 0 rg BT 152.41 677.10 Td (As arise and available tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (planning strategies. Citi) Tj ET Q q 0 0 0 rg BT 136.54 665.10 Td (s ability to utilize its DT) Tj ET Q q 0 0 0 rg BT 233.23 665.10 Td (As, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (the FTC components, and thus use the capital supporting the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (DT) Tj ET Q q 0 0 0 rg BT 48.53 641.10 Td (As for more productive purposes, will be dependent upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 629.10 Td (s ability to generate U.S. taxable income in the relevant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (tax carry-forward periods. Failure to realize any portion of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (DT) Tj ET Q q 0 0 0 rg BT 48.53 605.10 Td (As would also have a corresponding negative impact on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 593.10 Td (s net income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 581.10 Td (In addition, with regard to FTCs, utilization will be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (influenced by actions to optimize U.S. taxable earnings for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (purpose of consuming the FTC carry-forward component of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (the DT) Tj ET Q q 0 0 0 rg BT 63.25 545.10 Td (As prior to expiration. ) Tj ET Q q 0 0 0 rg BT 156.94 545.10 Td (These FTC actions, however) Tj ET Q q 0 0 0 rg BT 271.51 545.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (may serve to increase the DT) Tj ET Q q 0 0 0 rg BT 152.09 533.10 Td (As for other less time sensitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (components. Moreover) Tj ET Q q 0 0 0 rg BT 130.85 521.10 Td (, tax return limitations on FTCs and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (general business credits that cause Citi to incur current tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (expense, notwithstanding its tax carry-forward position, could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (impact the rate of overall DT) Tj ET Q q 0 0 0 rg BT 151.54 485.10 Td (A) Tj ET Q q 0 0 0 rg BT 158.21 485.10 Td ( utilization. DT) Tj ET Q q 0 0 0 rg BT 221.28 485.10 Td (A) Tj ET Q q 0 0 0 rg BT 227.95 485.10 Td ( utilization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (will also continue to be driven by movements in Citi) Tj ET Q q 0 0 0 rg BT 249.03 473.10 Td (s ) Tj ET Q q 0 0 0 rg BT 254.87 473.10 Td (AOCI, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (which can be impacted by changes in interest rates and foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (exchange rates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 437.10 Td (For additional information on Citi) Tj ET Q q 0 0 0 rg BT 192.88 437.10 Td (s DT) Tj ET Q q 0 0 0 rg BT 211.80 437.10 Td (As, including the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (FTCs, see Significant ) Tj ET Q q 0 0 0 rg BT 128.77 425.10 Td (Accounting Policies and Significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (EstimatesIncome ) Tj ET Q q 0 0 0 rg BT 117.19 413.10 Td (T) Tj ET Q q 0 0 0 rg BT 122.60 413.10 Td (axes below and Note 9 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (Consolidated Financial Statements.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.59 377.10 Td (s Interpretation or ) Tj ET Q q 0 0 0 rg BT 131.29 377.10 Td (Application of the Extensive T) Tj ET Q q 0 0 0 rg BT 255.37 377.10 Td (ax ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (Laws to ) Tj ET Q q 0 0 0 rg BT 70.27 365.10 Td (Which It Is Subject Could Dif) Tj ET Q q 0 0 0 rg BT 193.17 365.10 Td (fer from Those of the ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (Relevant Governmental ) Tj ET Q q 0 0 0 rg BT 135.62 353.10 Td (Authorities, ) Tj ET Q q 0 0 0 rg BT 186.57 353.10 Td (Which Could Result in ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (the Payment of ) Tj ET Q q 0 0 0 rg BT 100.34 341.10 Td (Additional T) Tj ET Q q 0 0 0 rg BT 151.38 341.10 Td (axes, Penalties or Interest.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (Citi is subject to the various tax laws of the U.S. and its states ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (and municipalities, as well as the numerous foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (jurisdictions in which it operates. ) Tj ET Q q 0 0 0 rg BT 171.35 305.10 Td (These tax laws are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (inherently complex and Citi must make judgments and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (interpretations about the application of these laws to its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (entities, operations and businesses. Citi) Tj ET Q q 0 0 0 rg BT 195.98 269.10 Td (s interpretations and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (application of the tax laws, including with respect to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (withholding tax obligations and stamp and other transactional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (taxes, could dif) Tj ET Q q 0 0 0 rg BT 97.19 233.10 Td (fer from that of the relevant governmental ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (taxing authority) Tj ET Q q 0 0 0 rg BT 98.95 221.10 Td (, which could result in the potential for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (payment of additional taxes, penalties or interest, which could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (be material.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (The V) Tj ET Q q 0 0 0 rg BT 60.17 173.10 Td (alue of Citi) Tj ET Q q 0 0 0 rg BT 108.87 173.10 Td (s DT) Tj ET Q q 0 0 0 rg BT 128.04 173.10 Td (As Could Be Significantly Reduced if ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (Corporate T) Tj ET Q q 0 0 0 rg BT 85.36 161.10 Td (ax Rates in the U.S. or Certain State, Local or ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (Foreign Jurisdictions Decline or as a Result of Other ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 135.90 Td (Changes in the U.S. Corporate T) Tj ET Q q 0 0 0 rg BT 170.38 135.90 Td (ax System) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 211.77 135.90 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 123.90 Td (There have been discussions regarding decreasing the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 111.90 Td (federal corporate tax rate. Similar discussions have taken place ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 99.90 Td (in certain local, state and foreign jurisdictions. ) Tj ET Q q 0 0 0 rg BT 223.82 99.90 Td (While Citi may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 87.90 Td (benefit in some respects from any decrease in corporate tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 75.90 Td (rates, a reduction in the U.S. federal, or state, local or foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 63.90 Td (corporate tax rates could result in a decrease, perhaps ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 51.90 Td (significant, in the value of Citi) Tj ET Q q 0 0 0 rg BT 160.98 51.90 Td (s DT) Tj ET Q q 0 0 0 rg BT 179.90 51.90 Td (As, which would result in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (a reduction to Citi) Tj ET Q q 0 0 0 rg BT 399.26 749.10 Td (s net income during the period in which the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (change is enacted. ) Tj ET Q q 0 0 0 rg BT 399.34 737.10 Td (There have also been recent discussions of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (more sweeping changes to the U.S. tax system. It is uncertain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (whether or when any such tax reform proposals will be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (enacted into law) Tj ET Q q 0 0 0 rg BT 388.88 701.10 Td (, and whether or how they will af) Tj ET Q q 0 0 0 rg BT 521.44 701.10 Td (fect Citi) Tj ET Q q 0 0 0 rg BT 556.71 701.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (DT) Tj ET Q q 0 0 0 rg BT 336.53 689.10 Td (As.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (If Citi) Tj ET Q q 0 0 0 rg BT 351.31 665.10 Td (s Risk Models ) Tj ET Q q 0 0 0 rg BT 410.67 665.10 Td (Are Inef) Tj ET Q q 0 0 0 rg BT 445.22 665.10 Td (fective or Require Modification ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (or Enhancement, Citi Could Incur Significant Losses or Its ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (Regulatory Capital and Capital Ratios Could Be Negatively ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (Impacted.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.83 629.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (Citi utilizes models extensively as part of its risk management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (and mitigation strategies, including in analyzing and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (monitoring the various risks Citi assumes in conducting its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (activities. For example, Citi uses models as part of its various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (stress testing initiatives across the firm.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.75 569.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.75 569.10 Td (Management of these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (risks is made even more challenging within a global financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (institution such as Citi, particularly given the complex, diverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (and rapidly changing financial markets and conditions in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (which Citi operates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 509.10 Td (These models and strategies are inherently limited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (because they involve techniques, including the use of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (historical data in many circumstances, and judgments that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (cannot anticipate every economic and financial outcome in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (markets in which Citi operates, nor can they anticipate the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (specifics and timing of such outcomes. Citi could incur ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (significant losses if its risk management models or strategies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (are inef) Tj ET Q q 0 0 0 rg BT 354.07 425.10 Td (fective in properly anticipating or managing these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (risks.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 401.10 Td (Moreover) Tj ET Q q 0 0 0 rg BT 381.03 401.10 Td (, Citi) Tj ET Q q 0 0 0 rg BT 403.81 401.10 Td (s Basel III regulatory capital models, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (including its credit, market and operational risk models, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (continue to be subject to ongoing regulatory review and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (approval, which may result in refinements, modifications or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (enhancements \(required or otherwise\) to these models. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (Modifications or requirements resulting from these ongoing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (reviews, as well as any future changes or guidance provided ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (by the U.S. banking agencies regarding the regulatory capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (framework applicable to Citi, have resulted in, and could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (continue to result in, significant changes to Citi) Tj ET Q q 0 0 0 rg BT 516.19 293.10 Td (s risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (weighted assets, total leverage exposure or other components ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (of Citi) Tj ET Q q 0 0 0 rg BT 352.61 269.10 Td (s capital ratios. ) Tj ET Q q 0 0 0 rg BT 417.69 269.10 Td (These changes can negatively impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 257.10 Td (s capital ratios and its ability to achieve its regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (capital requirements as it projects or as required. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (Citi Must Continually Pursue Expense Management and Its ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (Investments in Its Businesses May Not Be as Successful as ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (Citi Projects or Expects. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (Citi continues to pursue its disciplined expense management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (strategy) Tj ET Q q 0 0 0 rg BT 355.01 173.10 Td (, including ongoing repositioning and ef) Tj ET Q q 0 0 0 rg BT 515.36 173.10 Td (ficiency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (tar) Tj ET Q q 0 0 0 rg BT 334.37 161.10 Td (gets. However) Tj ET Q q 0 0 0 rg BT 394.22 161.10 Td (, there is no guarantee that Citi will be able ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (to maintain or reduce its level of expenses as a result of its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (repositioning actions, ef) Tj ET Q q 0 0 0 rg BT 420.19 137.10 Td (ficiency initiatives or otherwise. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (Moreover) Tj ET Q q 0 0 0 rg BT 363.03 125.10 Td (, Citi) Tj ET Q q 0 0 0 rg BT 385.81 125.10 Td (s ability to maintain or reduce its expenses in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (part depends on factors which it cannot control, such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (ongoing regulatory changes, continued higher regulatory and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (compliance costs, legal and regulatory proceedings and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (inquiries and macroeconomic conditions, among others. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (addition, investments Citi has made, or may make, in its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (businesses or operations, such as those in technology systems ) Tj ET Q endstream endobj 127 0 obj <> endobj 128 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (61) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (or in its U.S. credit card businesses, may not be as productive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (or ef) Tj ET Q q 0 0 0 rg BT 54.42 737.10 Td (fective as Citi expects or at all. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.59 713.10 Td (s ) Tj ET Q q 0 0 0 rg BT 59.61 713.10 Td (Ability to Continue to ) Tj ET Q q 0 0 0 rg BT 150.56 713.10 Td (W) Tj ET Q q 0 0 0 rg BT 159.08 713.10 Td (ind-Down Citi Holdings ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (Largely Depends on Factors Outside Its Control.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 236.85 701.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 239.35 701.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (While Citi made significant progress in continuing to wind-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (down Citi Holdings in 2015, and Citi expects to maintain Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (Holdings at or above break even in 2016, as of December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (31, 2015, the remaining assets in Citi Holdings lar) Tj ET Q q 0 0 0 rg BT 236.91 653.10 Td (gely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (consisted of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.55 641.10 Td (North ) Tj ET Q q 0 0 0 rg BT 112.21 641.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.08 641.10 Td ( legacy consumer mortgages, of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (which approximately 50% consisted of home equity loans for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (which a market for sales has not yet developed. ) Tj ET Q q 0 0 0 rg BT 230.11 617.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 279.44 617.10 Td (,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 281.94 617.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (sales of the remaining mortgage assets will lar) Tj ET Q q 0 0 0 rg BT 221.04 605.10 Td (gely continue to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (be subject to ongoing run-of) Tj ET Q q 0 0 0 rg BT 149.13 593.10 Td (f, market appetite and/or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (opportunistic sales. ) Tj ET Q q 0 0 0 rg BT 117.66 581.10 Td (As a result, the remaining assets in Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (Holdings will not likely decrease as significantly as in prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (years and could continue to have a negative impact on Citi) Tj ET Q q 0 0 0 rg BT 273.15 557.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (risk-weighted assets. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.59 521.10 Td (s Performance and the Performance of Its Individual ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (Businesses Could Be Negatively Impacted if Citi Is Not ) Tj ET Q q 0 0 0 rg BT 264.79 509.10 Td (Able ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (to Hire and Retain Highly Qualified Employees for ) Tj ET Q q 0 0 0 rg BT 248.96 497.10 Td (Any ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (Reason.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 473.10 Td (s performance and the performance of its individual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (businesses is lar) Tj ET Q q 0 0 0 rg BT 100.26 461.10 Td (gely dependent on the talents and ef) Tj ET Q q 0 0 0 rg BT 243.92 461.10 Td (forts of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (highly skilled employees. Specifically) Tj ET Q q 0 0 0 rg BT 190.59 449.10 Td (, Citi) Tj ET Q q 0 0 0 rg BT 213.38 449.10 Td (s continued ability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (to compete in its businesses, to manage its businesses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (ef) Tj ET Q q 0 0 0 rg BT 43.59 425.10 Td (fectively and to continue to execute its overall global ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (strategy depends on its ability to attract new employees and to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (retain and motivate its existing employees. If Citi is unable to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (continue to attract and retain the most highly qualified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (employees for any reason, Citi) Tj ET Q q 0 0 0 rg BT 161.24 377.10 Td (s performance, including its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (competitive position, the successful execution of its overall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (strategy and its results of operations could be negatively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (impacted.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 329.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 74.78 329.10 Td (s ability to attract and retain employees depends on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (numerous factors, some of which are outside of its control. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (For example, given the heightened regulatory and political ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (environment in which Citi operates relative to competitors for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (talent both within and outside of the financial services area, it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (may be more dif) Tj ET Q q 0 0 0 rg BT 101.63 269.10 Td (ficult for Citi to hire or retain highly qualified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (employees in the future. Other factors that impact Citi) Tj ET Q q 0 0 0 rg BT 257.60 257.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (ability to attract and retain employees include its culture, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (compensation, the management and leadership of the company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (as well as its individual businesses, Citi) Tj ET Q q 0 0 0 rg BT 197.38 221.10 Td (s presence in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (particular market or region at issue and the professional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (opportunities it of) Tj ET Q q 0 0 0 rg BT 107.48 197.10 Td (fers. Generally) Tj ET Q q 0 0 0 rg BT 168.74 197.10 Td (, the banking industry is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (subject to more stringent regulation of executive and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (employee compensation than other industries, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (deferral and clawback requirements for incentive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (compensation and other limitations. Citi often competes in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (market for talent with entities that are not subject to such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (significant regulatory restrictions on the structure of incentive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (compensation. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Incorrect ) Tj ET Q q 0 0 0 rg BT 364.46 749.25 Td (Assumptions or Estimates in Citi) Tj ET Q q 0 0 0 rg BT 502.09 749.25 Td (s Financial ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (Statements Could Cause Significant Unexpected Losses in ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (the Future, and Changes to Financial ) Tj ET Q q 0 0 0 rg BT 482.84 725.25 Td (Accounting and ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (Reporting Standards or Interpretations Could Have a ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (Material Impact on How Citi Records and Reports Its ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (Financial Condition and Results of Operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (Citi is required to use certain assumptions and estimates in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (preparing its financial statements under U.S. GAAP) Tj ET Q q 0 0 0 rg BT 530.63 665.25 Td (, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (determining credit loss reserves, reserves related to litigation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 Td (and regulatory exposures, valuation of DT) Tj ET Q q 0 0 0 rg BT 492.59 641.25 Td (As and the fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.25 Td (values of certain assets and liabilities, among other items. If ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 617.25 Td (s assumptions or estimates underlying its financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.25 Td (statements are incorrect or dif) Tj ET Q q 0 0 0 rg BT 443.21 605.25 Td (fer from actual future events, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.25 Td (Citi could experience unexpected losses, some of which could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.25 Td (be significant.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 569.25 Td (Moreover) Tj ET Q q 0 0 0 rg BT 381.03 569.25 Td (, the Financial ) Tj ET Q q 0 0 0 rg BT 439.91 569.25 Td (Accounting Standards Board ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.25 Td (\(F) Tj ET Q q 0 0 0 rg BT 332.15 557.25 Td (ASB\) is currently reviewing, or has proposed or issued, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.25 Td (changes to several financial accounting and reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.25 Td (standards that govern key aspects of Citi) Tj ET Q q 0 0 0 rg BT 488.96 533.25 Td (s financial statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.25 Td (or interpretations thereof, including those areas where Citi is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 Td (required to make assumptions or estimates. For example, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.25 Td (F) Tj ET Q q 0 0 0 rg BT 328.82 497.25 Td (ASB has proposed a new accounting model intended to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.25 Td (require earlier recognition of credit losses on financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.25 Td (instruments. ) Tj ET Q q 0 0 0 rg BT 377.98 473.25 Td (The proposed accounting model would require ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.25 Td (that lifetime expected credit losses on financial assets not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.25 Td (recorded at fair value through net income, such as loans and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.25 Td (held-to-maturity securities, be recorded at inception of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.25 Td (financial asset, replacing the multiple existing impairment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.25 Td (models under U.S. GAAP) Tj ET Q q 0 0 0 rg BT 427.79 413.25 Td ( which generally require that a loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.25 Td (be incurred before it is recognized \(for additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.25 Td (information on this and other proposed changes, see Note 1 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.25 Td (the Consolidated Financial Statements\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 365.25 Td (Changes to financial accounting or reporting standards or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.25 Td (interpretations, whether promulgated or required by the F) Tj ET Q q 0 0 0 rg BT 553.19 353.25 Td (ASB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.25 Td (or other regulators, could present operational challenges and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.25 Td (could require Citi to change certain of the assumptions or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.25 Td (estimates it previously used in preparing its financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.25 Td (statements, which could negatively impact how it records and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.25 Td (reports its financial condition and results of operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.25 Td (generally and/or with respect to particular businesses. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.25 Td (additional information on the key areas for which assumptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.25 Td (and estimates are used in preparing Citi) Tj ET Q q 0 0 0 rg BT 485.06 257.25 Td (s financial statements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.25 Td (see Significant ) Tj ET Q q 0 0 0 rg BT 389.54 245.25 Td (Accounting Policies and Significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.25 Td (Estimates below and Note 28 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.25 Td (Statements.) Tj ET Q endstream endobj 129 0 obj <> endobj 130 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (62) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (COMPLIANCE, CONDUCT) Tj ET Q q 0 0 0 rg BT 160.82 749.25 Td ( ) Tj ET Q q 0 0 0 rg BT 162.77 749.25 Td (AND LEGAL) Tj ET Q q 0 0 0 rg BT 221.39 749.25 Td ( RISKS ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (Ongoing Implementation and Interpretation of Regulatory ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (Changes and Requirements in the U.S. and Globally Have ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (Increased Citi) Tj ET Q q 0 0 0 rg BT 96.64 701.25 Td (s Compliance Risks and Costs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (As referenced above, over the past several years, Citi has been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (required to implement a significant number of regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (changes across all of its businesses and functions, and these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (changes continue. In some cases, Citi) Tj ET Q q 0 0 0 rg BT 190.96 653.25 Td (s implementation of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (regulatory requirement is occurring simultaneously with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (changing or conflicting regulatory guidance, legal challenges ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (or legislative action to modify or repeal final rules. Moreover) Tj ET Q q 0 0 0 rg BT 283.57 617.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (in many cases, these are entirely new regulatory requirements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (or regimes, resulting in much uncertainty regarding regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (expectations as to what is definitely required in order to be in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (compliance with the requirements. ) Tj ET Q q 0 0 0 rg BT 178.73 569.25 Td (Accompanying this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (compliance uncertainty is heightened regulatory scrutiny and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (expectations in the U.S. and globally for the financial services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (industry with respect to governance and risk management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (practices, including its compliance and regulatory risks \(for a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (discussion of heightened regulatory expectations on conduct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (risk at, and the overall culture of, financial institutions such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (as Citi, see Legal Risks below\). ) Tj ET Q q 0 0 0 rg BT 175.69 485.25 Td (All of these factors have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (resulted in increased compliance risks and costs for Citi.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 461.25 Td (Examples of regulatory changes that have resulted in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (increased compliance risks and costs include: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 431.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 431.25 Td (The ) Tj ET Q q 0 0 0 rg BT 71.87 431.25 Td (V) Tj ET Q q 0 0 0 rg BT 77.80 431.25 Td (olcker Rule required Citi to develop an extensive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 419.25 Td (global compliance regime, including developing and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 407.25 Td (maintaining detailed trading and permitted activity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 395.25 Td (mandates for businesses, submitting extensive trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 383.25 Td (information to regulatory agencies, conducting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 371.25 Td (independent testing and audit, training, recordkeeping and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 359.25 Td (similar requirements and governance, including an annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 347.25 Td (CEO attestation, beginning on March 31, 2016, with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 335.25 Td (respect to the global processes Citi has in place to achieve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 323.25 Td (compliance with the rules. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 311.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 311.25 Td (Numerous aspects of the U.S. derivatives reform regime ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 299.25 Td (require extensive compliance systems and processes to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 287.25 Td (maintained by Citi on a global basis, including electronic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 275.25 Td (recordkeeping, real-time public transaction reporting and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 263.25 Td (external business conduct requirements \(e.g., required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 251.25 Td (swap counterparty disclosures\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 239.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 239.25 Td (A) Tj ET Q q 0 0 0 rg BT 60.67 239.25 Td ( proliferation of data protection and onshoring ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 227.25 Td (requirements adopted by various non-U.S. jurisdictions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 215.25 Td (such as in Russia, South Korea, ) Tj ET Q q 0 0 0 rg BT 182.70 215.25 Td (V) Tj ET Q q 0 0 0 rg BT 189.32 215.25 Td (ietnam and Indonesia, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 203.25 Td (require Citi to take measures to ensure client data is stored ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 191.25 Td (or processed within national borders. ) Tj ET Q q 0 0 0 rg BT 206.84 191.25 Td (These requirements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 179.25 Td (could conflict with anti-money laundering and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 167.25 Td (requirements in other jurisdictions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 143.25 Td (Extensive compliance requirements can result in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 131.25 Td (increased reputational and legal risks, as failure to comply ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 119.25 Td (with regulations and requirements, or failure to comply as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 107.25 Td (expected, can result in enforcement and/or regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 95.25 Td (proceedings \(for additional discussion, see Legal Risks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 83.25 Td (below\). In addition, increased and ongoing compliance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 71.25 Td (requirements and uncertainties have resulted in higher costs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 59.25 Td (for Citi. For example, Citi employed approximately 30,000 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 47.25 Td (regulatory and compliance staf) Tj ET Q q 0 0 0 rg BT 159.38 47.25 Td (f as of year) Tj ET Q q 0 0 0 rg BT 203.88 47.25 Td (-end 2015, out of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (total employee population of 231,000, compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (approximately 14,000 as of year) Tj ET Q q 0 0 0 rg BT 452.93 737.10 Td (-end 2008 with a total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (employee population of 323,000. ) Tj ET Q q 0 0 0 rg BT 461.29 725.10 Td (These higher regulatory and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (compliance costs also of) Tj ET Q q 0 0 0 rg BT 421.85 713.10 Td (fset Citi) Tj ET Q q 0 0 0 rg BT 456.57 713.10 Td (s ongoing cost reduction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (initiatives. For example, data protection and onshoring ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (requirements often require redundant investments in local data ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (storage and security and thus impede or potentially reverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 665.10 Td (s centralization or standardization ef) Tj ET Q q 0 0 0 rg BT 487.10 665.10 Td (forts, which provide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (expense ef) Tj ET Q q 0 0 0 rg BT 366.29 653.10 Td (ficiencies. Higher compliance costs may also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (require management to reallocate resources, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (potentially away from ongoing business investment initiatives. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (Citi Is Subject to Extensive Legal and Regulatory ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (Proceedings, Investigations and Inquiries That Could Result ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (in Significant Penalties and Other Negative Impacts on Citi, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (Its Businesses and Results of Operations.) 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For example, under recent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (guidance by the U.S. Department of Justice \(DOJ\), a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (corporation \(such as Citi\) is required to identify all individuals ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (involved in or responsible for perceived misconduct at issue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (and provide all related facts and circumstances in order to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (qualify for any cooperation credit in civil and criminal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (investigations of corporate wrongdoing. ) Tj ET Q q 0 0 0 rg BT 488.79 401.10 Td (The complexity of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (the federal and state regulatory and enforcement regimes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (the U.S., coupled with the global scope of Citi) Tj ET Q q 0 0 0 rg BT 512.03 377.10 Td (s operations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (also means that a single event or issue may give rise to a lar) Tj ET Q q 0 0 0 rg BT 562.92 365.10 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (number of overlapping investigations and regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (proceedings, either by multiple federal and state agencies in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (the U.S. or by multiple regulators and other governmental ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (entities in dif) Tj ET Q q 0 0 0 rg BT 376.59 317.10 Td (ferent jurisdictions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 305.10 Td (Moreover) Tj ET Q q 0 0 0 rg BT 384.03 305.10 Td (, U.S. and non-U.S. regulators have been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (increasingly focused on conduct risk, a term that is used to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (describe the risks associated with behavior by employees and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (agents, including third-party vendors utilized by Citi, that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (could harm consumers, investors or the markets, such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (failures to safeguard consumers) Tj ET Q q 0 0 0 rg BT 453.49 245.10 Td ( and investors) Tj ET Q q 0 0 0 rg BT 511.62 245.10 Td ( personal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (information, failures to identify and manage conflicts of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (interest and improperly creating, selling and marketing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (products and services.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 412.58 209.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.58 209.10 Td (In addition to increasing Citi) Tj ET Q q 0 0 0 rg BT 535.34 209.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (compliance risks, this focus on conduct risk could lead to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (more regulatory or other enforcement proceedings and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (litigation, including for practices which historically were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (acceptable but are now receiving greater scrutiny) Tj ET Q q 0 0 0 rg BT 519.92 161.10 Td (. 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U.S. and certain international ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (governmental entities have increasingly brought criminal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (actions against, or have sought criminal convictions from, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (financial institutions, and criminal prosecutors in the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (have increasingly sought and obtained criminal guilty pleas or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (deferred prosecution agreements against corporate entities and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (other criminal sanctions from those institutions. ) Tj ET Q q 0 0 0 rg BT 231.53 653.10 Td (As previously ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (disclosed, in May 2015 an af) Tj ET Q q 0 0 0 rg BT 151.35 641.10 Td (filiate of Citi entered into a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (settlement with the DOJ whereby the af) Tj ET Q q 0 0 0 rg BT 194.66 629.10 Td (filiate pleaded guilty to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (an antitrust violation and paid a substantial fine to resolve the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (DOJ) Tj ET Q q 0 0 0 rg BT 57.11 605.10 Td (s investigations into Citi) Tj ET Q q 0 0 0 rg BT 157.40 605.10 Td (s foreign exchange business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (practices. ) Tj ET Q q 0 0 0 rg BT 78.85 593.10 Td (These types of actions by U.S. and international ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (governmental entities may) Tj ET Q q 0 0 0 rg BT 141.43 581.10 Td (, in the future, have significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (collateral consequences for a financial institution, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (loss of customers and business, and the inability to of) Tj ET Q q 0 0 0 rg BT 249.68 557.10 Td (fer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (certain products or services and/or operate certain businesses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (Citi may be required to accept or be subject to similar types of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (criminal remedies, consent orders, substantial fines and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (penalties or other requirements in the future, including for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (matters or practices not yet known to Citi, any of which could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (materially and negatively af) Tj ET Q q 0 0 0 rg BT 147.71 485.10 Td (fect Citi) Tj ET Q q 0 0 0 rg BT 182.98 485.10 Td (s businesses, business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (practices, financial condition or results of operations, require ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (material changes in Citi) Tj ET Q q 0 0 0 rg BT 134.03 461.10 Td (s operations or cause Citi reputational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (harm. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 437.10 Td ( Further) Tj ET Q q 0 0 0 rg BT 85.54 437.10 Td (, many lar) Tj ET Q q 0 0 0 rg BT 125.62 437.10 Td (ge claims asserted against Citi are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (highly complex, slow to develop and may involve novel or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (untested legal theories. ) Tj ET Q q 0 0 0 rg BT 132.73 413.10 Td (The outcome of such proceedings is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (dif) Tj ET Q q 0 0 0 rg BT 46.93 401.10 Td (ficult to predict or estimate until late in the proceedings. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (Although Citi establishes accruals for its legal and regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (matters according to accounting requirements, Citi) Tj ET Q q 0 0 0 rg BT 241.49 377.10 Td (s estimates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (of, and changes to, these accruals, involve significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (judgment and may be subject to significant uncertainty and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (amount of loss ultimately incurred in relation to those matters ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (may be substantially higher than the amounts accrued. 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Under Citi) Tj ET Q q 0 0 0 rg BT 116.54 603.90 Td (s mission and value proposition, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 591.90 Td (was developed by Citi) Tj ET Q q 0 0 0 rg BT 127.93 591.90 Td (s senior leadership and distributed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 579.90 Td (throughout the firm, Citi strives to serve as a trusted partner to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 567.90 Td (its clients by responsibly providing financial services that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 555.90 Td (enable growth and economic progress while earning and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 543.90 Td (maintaining the public) Tj ET Q q 0 0 0 rg BT 128.76 543.90 Td (s trust by constantly adhering to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 531.90 Td (highest ethical standards. ) Tj ET Q q 0 0 0 rg BT 141.25 531.90 Td (As such, Citi asks all employees to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 519.90 Td (ensure that their decisions pass three tests: they are in clients) Tj ET Q q 0 0 0 rg BT 283.79 519.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 507.90 Td (interests, create economic value and are always systemically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 495.90 Td (responsible. ) Tj ET Q q 0 0 0 rg BT 88.50 495.90 Td (Additionally) Tj ET Q q 0 0 0 rg BT 138.40 495.90 Td (, Citi evaluates employees) Tj ET Q q 0 0 0 rg BT 245.96 495.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 483.90 Td (performance against behavioral expectations set out in Citi) Tj ET Q q 0 0 0 rg BT 273.98 483.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 471.90 Td (leadership standards, which were designed in part to ef) Tj ET Q q 0 0 0 rg BT 255.47 471.90 Td (fectuate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 459.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 459.90 Td (s mission and value proposition. Other culture-related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 447.90 Td (ef) Tj ET Q q 0 0 0 rg BT 43.59 447.90 Td (forts in connection with conduct risk, ethics and leadership, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 435.90 Td (escalation, and treating customers fairly help Citi to execute ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 423.90 Td (its mission and value proposition. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 411.90 Td (Four key principlescommon purpose, responsible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 399.90 Td (finance, ingenuity) Tj ET Q q 0 0 0 rg BT 107.55 399.90 Td (, and leadershipguide Citi as it performs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 387.90 Td (its mission. Citi) Tj ET Q q 0 0 0 rg BT 104.35 387.90 Td (s risk appetite, which is approved by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 375.90 Td (Citigroup Board of Directors, specifies the aggregate levels ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 363.90 Td (and types of risk the Board and management are willing to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 351.90 Td (assume to achieve Citi) Tj ET Q q 0 0 0 rg BT 129.03 351.90 Td (s strategic objectives and business plan, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 339.90 Td (consistent with applicable capital, liquidity) Tj ET Q q 0 0 0 rg BT 207.25 339.90 Td (, and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 327.90 Td (regulatory requirements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 315.90 Td (Citi selectively takes risks in support of its underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 303.90 Td (business strategy) Tj ET Q q 0 0 0 rg BT 103.40 303.90 Td (, while striving to ensure it operates within its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 291.90 Td (mission and value proposition and risk appetite. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 279.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 279.90 Td (s risks are generally categorized and summarized as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 267.90 Td (follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 249.90 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 249.90 Td (Cr) Tj ET Q q 0 0 0 rg BT 64.19 249.90 Td (edit risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.69 249.90 Td ( is the risk arising from an obligor) Tj ET Q q 0 0 0 rg BT 233.42 249.90 Td () Tj ET Q q 0 0 0 rg BT 236.20 249.90 Td (s failure to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 237.90 Td (meet the terms of any contract or otherwise perform as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 225.90 Td (agreed. Credit risk is found in all activities in which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 213.90 Td (settlement or repayment depends on counterparty) Tj ET Q q 0 0 0 rg BT 250.78 213.90 Td (, issuer) Tj ET Q q 0 0 0 rg BT 278.71 213.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 201.90 Td (or borrower performance.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 189.90 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 189.90 Td (Liquidity risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.61 189.90 Td ( is the risk arising from an inability to meet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 177.90 Td (obligations when they come due. Liquidity risk includes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 165.90 Td (the inability to access funding sources or manage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 153.90 Td (fluctuations in funding levels. Liquidity risk also results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 141.90 Td (from a failure to recognize or address changes in market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 129.90 Td (conditions that af) Tj ET Q q 0 0 0 rg BT 123.25 129.90 Td (fect Citi) Tj ET Q q 0 0 0 rg BT 158.52 129.90 Td (s ability to liquidate assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 117.90 Td (quickly and with minimal loss in value.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 105.90 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 105.90 Td (Market risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.38 105.90 Td ( is the risk of potential losses arising from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 93.90 Td (changes in the value of Citi) Tj ET Q q 0 0 0 rg BT 166.47 93.90 Td (s assets and liabilities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 81.90 Td (resulting from changes in market variables, such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 69.90 Td (interest rates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (Operational risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.39 749.10 Td ( is the risk of loss resulting from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 737.10 Td (inadequate or failed internal processes, systems, or human ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 725.10 Td (factors, or from external events.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 713.10 Td (Country risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.28 713.10 Td ( is the risk that an event in a country ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 701.10 Td (\(precipitated by developments within or external to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 689.10 Td (country\) will impair the value of Citi) Tj ET Q q 0 0 0 rg BT 492.52 689.10 Td (s franchise or will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 677.10 Td (adversely af) Tj ET Q q 0 0 0 rg BT 390.40 677.10 Td (fect the ability of obligors within that country ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 665.10 Td (to honor their obligations. Country risk events may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 653.10 Td (include sovereign defaults, banking crises, currency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 641.10 Td (crises, currency convertibility and/or transferability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 629.10 Td (restrictions, or political events.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 617.10 Td (Compliance risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.83 617.10 Td ( is the risk arising from violations of, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 605.10 Td (non-conformance with, local, national, or cross-border ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 593.10 Td (laws, rules, or regulations, our own internal policies and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 581.10 Td (procedures, or relevant standards of conduct.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 569.10 Td (Conduct risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.39 569.10 Td ( is the risk that Citi) Tj ET Q q 0 0 0 rg BT 472.55 569.10 Td (s employees or agents ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 557.10 Td (may) Tj ET Q q 0 0 0 rg BT 358.57 557.10 Td (, intentionally or through negligence, harm customers, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 545.10 Td (clients, or the integrity of the markets, and thereby the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 533.10 Td (integrity of Citi.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 521.10 Td (Legal risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.28 521.10 Td ( includes the risk of loss, whether financial or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 509.10 Td (reputational, due to legal or regulatory actions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 497.10 Td (proceedings, or investigations, or uncertainty in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 485.10 Td (applicability or interpretation of contracts, laws, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 473.10 Td (regulations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 461.10 Td (Reputational risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.16 461.10 Td ( is the risk to current or anticipated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 449.10 Td (earnings, capital, or franchise or enterprise value arising ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 437.10 Td (from negative public opinion.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 413.10 Td (Citi manages its risks through each of its three lines of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (defense: \(i\) business management, \(ii\) independent control ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (functions and \(iii\) Internal ) Tj ET Q q 0 0 0 rg BT 431.19 389.10 Td (Audit. ) Tj ET Q q 0 0 0 rg BT 461.29 389.10 Td (The three lines of defense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (collaborate with each other in structured forums and processes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (to bring various perspectives together and to steer the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (or) Tj ET Q q 0 0 0 rg BT 332.15 353.10 Td (ganization toward outcomes that are in clients) Tj ET Q q 0 0 0 rg BT 518.57 353.10 Td ( interests, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (create economic value and are systemically responsible.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (First Line of Defense: Business Management) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (Each of Citi) Tj ET Q q 0 0 0 rg BT 375.10 305.10 Td (s businesses owns its risks and is responsible for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (assessing and managing its risks. Each business is also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (responsible for having controls in place to mitigate key risks, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (assessing internal controls and promoting a culture of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (compliance and control. In doing so, a business is required to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (maintain appropriate staf) Tj ET Q q 0 0 0 rg BT 423.78 245.10 Td (fing and implement appropriate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (procedures to fulfill its risk governance responsibilities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 221.10 Td (The CEOs of each region and business report to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (Citigroup CEO. ) Tj ET Q q 0 0 0 rg BT 392.15 209.10 Td (The Head of Operations and ) Tj ET Q q 0 0 0 rg BT 507.76 209.10 Td (T) Tj ET Q q 0 0 0 rg BT 513.17 209.10 Td (echnology and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (the Head of Productivity) Tj ET Q q 0 0 0 rg BT 421.94 197.10 Td (, who are considered part of the first ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (line of defense, also report to the Citigroup CEO. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 173.10 Td (Businesses at Citi or) Tj ET Q q 0 0 0 rg BT 423.76 173.10 Td (ganize and chair many committees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (and councils that cover risk considerations with participation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (from independent control functions, including committees or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (councils that are designed to consider matters related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (capital, assets and liabilities, business practices, business risks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (and controls, mer) Tj ET Q q 0 0 0 rg BT 393.52 113.10 Td (gers and acquisitions, the Community ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (Reinvestment ) Tj ET Q q 0 0 0 rg BT 380.94 101.10 Td (Act and fair lending and incentives.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (Second Line of Defense: Independent Contr) Tj ET Q q 0 0 0 rg BT 510.77 77.10 Td (ol Functions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 65.10 Td (s independent control functions, including Risk, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (Compliance, Human Resources, Legal and Finance, set ) Tj ET Q endstream endobj 137 0 obj <> endobj 138 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (66) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (standards by which Citi and its businesses are expected to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (manage and oversee risks, including compliance with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (applicable laws, regulatory requirements, policies and relevant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (standards of conduct. ) Tj ET Q q 0 0 0 rg BT 125.70 713.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 175.60 713.10 Td (, among other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (responsibilities, the independent control functions provide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (advice and training to Citi) Tj ET Q q 0 0 0 rg BT 143.20 689.10 Td (s businesses and establish tools, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (methodologies, processes and oversight for controls used by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (the businesses to foster a culture of compliance and control.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (Risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (The Risk or) Tj ET Q q 0 0 0 rg BT 83.04 629.10 Td (ganization is designed to act as an independent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (partner of the business to manage market, credit and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (operational risk in a manner consistent with Citi) Tj ET Q q 0 0 0 rg BT 231.24 605.10 Td (s risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (appetite. Risk establishes policies and guidelines for risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (assessments and risk management and contributes to controls ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (and tools to manage, measure and mitigate risks taken by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (firm.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 545.10 Td (The Chief Risk Of) Tj ET Q q 0 0 0 rg BT 127.97 545.10 Td (ficer reports to the Citigroup CEO and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (the Risk Management Committee of the Citigroup Board of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (Directors. ) Tj ET Q q 0 0 0 rg BT 80.53 521.10 Td (The Chief Risk Of) Tj ET Q q 0 0 0 rg BT 154.50 521.10 Td (ficer has regular and unrestricted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (access to the Risk Management Committee of the Board and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (also to the Citigroup Board of Directors to address risks and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (issues identified through Risk) Tj ET Q q 0 0 0 rg BT 157.94 485.10 Td (s activities.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (Compliance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (The Compliance or) Tj ET Q q 0 0 0 rg BT 113.02 449.10 Td (ganization is designed to protect Citi not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (only by managing adherence to applicable laws, regulations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (and other standards of conduct, but also by promoting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (business behavior that is consistent with Citi) Tj ET Q q 0 0 0 rg BT 217.10 413.10 Td (s mission and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (value proposition, the principle of responsible finance and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 389.10 Td (s compliance risk appetite. For further information on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 377.10 Td (s compliance risk appetite, see Compliance, Conduct and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (Legal Risk below) Tj ET Q q 0 0 0 rg BT 110.33 365.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 353.10 Td (The Chief Compliance Of) Tj ET Q q 0 0 0 rg BT 157.96 353.10 Td (ficer reports to the Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (CEO and has regular and unrestricted access to the ) Tj ET Q q 0 0 0 rg BT 241.21 341.10 Td (Audit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (Committee, Ethics and Culture Committee and other ad hoc ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (committees of the Citigroup Board of Directors to report on, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (among other items, possible breaches of Citi) Tj ET Q q 0 0 0 rg BT 216.80 305.10 Td (s compliance risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (appetite.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (Human Resources ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (The Human Resources or) Tj ET Q q 0 0 0 rg BT 137.73 257.10 Td (ganization provides personnel ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (support and governance in connection with, among other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (things: recognizing and rewarding employees who ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (demonstrate Citi) Tj ET Q q 0 0 0 rg BT 105.16 221.10 Td (s values and excel in their roles and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (responsibilities; setting ethical- and performance-related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (expectations and developing and promoting employees who ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (meet those expectations; and searching for) Tj ET Q q 0 0 0 rg BT 205.81 185.10 Td (, assessing, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (hiring staf) Tj ET Q q 0 0 0 rg BT 76.64 173.10 Td (f who exemplify Citi) Tj ET Q q 0 0 0 rg BT 163.02 173.10 Td (s leadership standards, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (outline Citi) Tj ET Q q 0 0 0 rg BT 84.06 161.10 Td (s expectations of its employees) Tj ET Q q 0 0 0 rg BT 211.06 161.10 Td ( behavior) Tj ET Q q 0 0 0 rg BT 247.99 161.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 149.10 Td (The Head of Human Resources reports to the Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (CEO and interacts regularly with the Personnel and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (Compensation Committee of the Citigroup Board of Directors.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Legal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (The Legal or) Tj ET Q q 0 0 0 rg BT 375.46 737.25 Td (ganization is involved in a number of activities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (designed to promote the appropriate management of Citi) Tj ET Q q 0 0 0 rg BT 553.10 725.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (exposure to legal risk. ) Tj ET Q q 0 0 0 rg BT 417.13 713.25 Td (Those activities include, among others: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (promoting and supporting Citigroup) Tj ET Q q 0 0 0 rg BT 471.50 701.25 Td (s governance processes; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (advising businesses management, other independent control ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (functions, the Citigroup Board of Directors and committees of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (the Board regarding analysis of laws and regulations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (regulatory matters, disclosure matters, and potential risks and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 Td (exposures on key litigation and transactional matters, among ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.25 Td (other things; advising other independent control functions in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 Td (their ef) Tj ET Q q 0 0 0 rg BT 352.41 617.25 Td (forts to ensure compliance with applicable laws and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.25 Td (regulations as well as other internal standards of conduct; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.25 Td (serving on key management committees; reporting and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.25 Td (escalating key legal issues to senior management or other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.25 Td (independent control functions; participating in internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.25 Td (investigations and overseeing regulatory investigations; and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.25 Td (advising businesses on a day-to-day basis on legal, regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.25 Td (and contractual matters.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 521.25 Td (The General Counsel reports to the Citigroup CEO and is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 Td (responsible to the full Citigroup Board. In addition to having ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.25 Td (regular and unrestricted access to the full Citigroup Board of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.25 Td (Directors, the General Counsel, or his delegates, regularly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.25 Td (attends meetings of the Risk Management Committee, ) Tj ET Q q 0 0 0 rg BT 543.40 473.25 Td (Audit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.25 Td (Committee, Personnel and Compensation Committee, Ethics ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.25 Td (and Culture Committee, Operations and ) Tj ET Q q 0 0 0 rg BT 486.01 449.25 Td (T) Tj ET Q q 0 0 0 rg BT 491.42 449.25 Td (echnology ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.25 Td (Committee, and Nomination, Governance and Public ) Tj ET Q q 0 0 0 rg BT 538.40 437.25 Td (Af) Tj ET Q q 0 0 0 rg BT 548.77 437.25 Td (fairs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.25 Td (Committee as well as other ad hoc committees of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.25 Td (Citigroup Board of Directors.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 389.25 Td (Finance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.25 Td (The Finance or) Tj ET Q q 0 0 0 rg BT 384.35 377.25 Td (ganization is primarily comprised of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.25 Td (following disciplines: treasury) Tj ET Q q 0 0 0 rg BT 445.00 365.25 Td (, controllers, tax and financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.25 Td (planning and analysis. ) Tj ET Q q 0 0 0 rg BT 417.97 353.25 Td (These disciplines partner with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.25 Td (businesses, providing key data and consultation to facilitate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.25 Td (sound decisions in support of the businesses) Tj ET Q q 0 0 0 rg BT 503.24 329.25 Td ( objectives. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.25 Td (Through these activities, Finance serves as an independent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.25 Td (control function advising business management, escalating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.25 Td (identified risks and establishing policies or processes to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.25 Td (manage risk.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 269.25 Td (Through the treasury discipline, Finance has overall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.25 Td (responsibility for managing Citi) Tj ET Q q 0 0 0 rg BT 454.82 257.25 Td (s balance sheet and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.25 Td (accordingly partners with the businesses to manage Citi) Tj ET Q q 0 0 0 rg BT 549.78 245.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.25 Td (liquidity and interest rate risk \(price risk for non-trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.25 Td (portfolios\). ) Tj ET Q q 0 0 0 rg BT 373.54 221.25 Td (T) Tj ET Q q 0 0 0 rg BT 379.29 221.25 Td (reasury works with the businesses to establish ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.25 Td (balance sheet tar) Tj ET Q q 0 0 0 rg BT 390.45 209.25 Td (gets and limits, as well as sets policies on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.25 Td (funding costs char) Tj ET Q q 0 0 0 rg BT 397.13 197.25 Td (ged for business assets based on their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.25 Td (liquidity and duration. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 173.25 Td (Principally through the controllers discipline, Finance is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.25 Td (responsible for establishing a strong control environment over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 149.25 Td (s financial reporting processes consistent with the 2013 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.25 Td (Committee of Sponsoring Or) Tj ET Q q 0 0 0 rg BT 440.20 137.25 Td (ganizations of the ) Tj ET Q q 0 0 0 rg BT 513.61 137.25 Td (T) Tj ET Q q 0 0 0 rg BT 519.37 137.25 Td (readway ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.25 Td (Commission, or COSO, Internal ControlIntegrated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.25 Td (Framework.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 101.25 Td (Finance is led by Citi) Tj ET Q q 0 0 0 rg BT 430.33 101.25 Td (s Chief Financial Of) Tj ET Q q 0 0 0 rg BT 511.52 101.25 Td (ficer \(CFO\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.25 Td (who reports directly to the Citigroup CEO. ) Tj ET Q q 0 0 0 rg BT 500.18 89.25 Td (The CFO chairs or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.25 Td (co-chairs several management committees that serve as key ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.25 Td (governance and oversight forums for business activities. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.25 Td (addition, the CFO has regular and unrestricted access to the ) Tj ET Q endstream endobj 139 0 obj <> endobj 140 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (67) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (full Citigroup Board of Directors as well as to the ) Tj ET Q q 0 0 0 rg BT 236.52 749.10 Td (Audit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (Committee of the Board of Directors. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (Third Line of Defense: Internal ) Tj ET Q q 0 0 0 rg BT 172.39 713.10 Td (Audit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 701.10 Td (s Internal ) Tj ET Q q 0 0 0 rg BT 93.22 701.10 Td (Audit function independently reviews activities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (of the first two lines of defense based on a risk-based audit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (plan and methodology approved by the ) Tj ET Q q 0 0 0 rg BT 194.30 677.10 Td (Audit Committee of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (the Citigroup Board of Directors. Internal ) Tj ET Q q 0 0 0 rg BT 207.07 665.10 Td (Audit also provides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (independent assurance to the Citigroup Board of Directors, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (Audit Committee of the Board, senior management and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (regulators regarding the ef) Tj ET Q q 0 0 0 rg BT 141.61 629.10 Td (fectiveness of Citi) Tj ET Q q 0 0 0 rg BT 217.14 629.10 Td (s governance and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (controls designed to mitigate Citi) Tj ET Q q 0 0 0 rg BT 172.09 617.10 Td (s exposure to risks and to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (enhance Citi) Tj ET Q q 0 0 0 rg BT 89.04 605.10 Td (s culture of compliance and control. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (The Chief ) Tj ET Q q 0 0 0 rg BT 384.21 749.10 Td (Auditor reports functionally to the Chairman of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (the Citigroup ) Tj ET Q q 0 0 0 rg BT 379.00 737.10 Td (Audit Committee and administratively to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (CEO of Citigroup. Internal ) Tj ET Q q 0 0 0 rg BT 436.21 725.10 Td (Audit) Tj ET Q q 0 0 0 rg BT 461.76 725.10 Td (s responsibilities are carried ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (out independently under the oversight of the ) Tj ET Q q 0 0 0 rg BT 503.13 713.10 Td (Audit Committee. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (Internal ) Tj ET Q q 0 0 0 rg BT 357.04 701.10 Td (Audit) Tj ET Q q 0 0 0 rg BT 382.60 701.10 Td (s employees accordingly report to the Chief ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (Auditor and do not have reporting lines to front-line units or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (senior management. Internal ) Tj ET Q q 0 0 0 rg BT 440.07 677.10 Td (Audit) Tj ET Q q 0 0 0 rg BT 465.63 677.10 Td (s staf) Tj ET Q q 0 0 0 rg BT 486.28 677.10 Td (f members are not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (permitted to provide internal-audit services for a business line ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (or function in which they had business line or function ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (responsibilities within the previous 12 months.) Tj ET Q /GS0 gs q 540.00 0 0 396.65 36.00 179.42 cm /I20 Do Q BT /F1 10.00 Tf ET endstream endobj 141 0 obj <> endobj 142 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (68) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Citigr) Tj ET Q q 0 0 0 rg BT 61.37 737.25 Td (oup Board of Dir) Tj ET Q q 0 0 0 rg BT 134.25 737.25 Td (ectors and Committees of the Board) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 77.11 725.25 Td (s Board of Directors oversees Citi) Tj ET Q q 0 0 0 rg BT 215.69 725.25 Td (s risk-taking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (activities. ) Tj ET Q q 0 0 0 rg BT 79.42 713.25 Td (T) Tj ET Q q 0 0 0 rg BT 84.83 713.25 Td (o do so, directors review risk assessments and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (reports prepared by Risk, Compliance, Human Resources, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (Legal, Finance and Internal ) Tj ET Q q 0 0 0 rg BT 147.90 689.25 Td (Audit and exercise independent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (judgment to question, challenge, and when necessary) Tj ET Q q 0 0 0 rg BT 248.07 677.25 Td (, oppose ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (recommendations and decisions made by senior management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (that could cause Citi) Tj ET Q q 0 0 0 rg BT 120.70 653.25 Td (s risk profile to exceed its risk appetite or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (jeopardize the safety and soundness of the firm. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 629.25 Td (The standing committees of the Citigroup Board of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (Directors are the Executive Committee, Risk Management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (Committee, ) Tj ET Q q 0 0 0 rg BT 84.89 605.25 Td (Audit Committee, Personnel and Compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (Committee, Ethics and Culture Committee, Operations and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (T) Tj ET Q q 0 0 0 rg BT 41.41 581.25 Td (echnology Committee and Nomination, Governance and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (Public ) Tj ET Q q 0 0 0 rg BT 63.50 569.25 Td (Af) Tj ET Q q 0 0 0 rg BT 73.88 569.25 Td (fairs Committee. In addition to the standing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (committees, the Board creates ad hoc committees from time to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (time in response to regulatory) Tj ET Q q 0 0 0 rg BT 154.76 545.25 Td (, legal, or other requirements.) Tj ET Q endstream endobj 143 0 obj <> endobj 144 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (69) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (CREDIT) Tj ET Q q 0 0 0 rg BT 82.46 747.90 Td ( RISK) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 723.90 Td (OVER) Tj ET Q q 0 0 0 rg BT 64.54 723.90 Td (VIEW) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 711.90 Td (Credit risk is the potential for financial loss resulting from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 699.90 Td (failure of a borrower or counterparty to honor its financial or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 687.90 Td (contractual obligations. Credit risk arises in many of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 675.90 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 77.11 675.90 Td (s business activities, including:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 657.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 657.90 Td (wholesale and retail lending; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 645.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 645.90 Td (capital markets derivative transactions; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 633.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 633.90 Td (structured finance; and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 621.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 621.90 Td (repurchase and reverse repurchase transactions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 597.90 Td (Credit risk also arises from settlement and clearing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 585.90 Td (activities, when Citi transfers an asset in advance of receiving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 573.90 Td (its counter) Tj ET Q q 0 0 0 rg BT 77.73 573.90 Td (-value or advances funds to settle a transaction on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 561.90 Td (behalf of a client. Concentration risk, within credit risk, is the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 549.90 Td (risk associated with having credit exposure concentrated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 537.90 Td (within a specific client, industry) Tj ET Q q 0 0 0 rg BT 163.93 537.90 Td (, region or other category) Tj ET Q q 0 0 0 rg BT 264.63 537.90 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 525.90 Td (Credit risk is one of the most significant risks Citi faces as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 513.90 Td (an institution. ) Tj ET Q q 0 0 0 rg BT 92.95 513.90 Td (As a result, Citi has a well-established ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 501.90 Td (framework in place for managing credit risk across all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 489.90 Td (businesses. ) Tj ET Q q 0 0 0 rg BT 83.04 489.90 Td (This includes a defined risk appetite, credit limits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 477.90 Td (and credit policies, both at the business level as well as at the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 465.90 Td (company-wide level. Citi) Tj ET Q q 0 0 0 rg BT 140.14 465.90 Td (s credit risk management also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 453.90 Td (includes processes and policies with respect to problem ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 441.90 Td (recognition, including watch lists, portfolio review) Tj ET Q q 0 0 0 rg BT 247.24 441.90 Td (, updated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 429.90 Td (risk ratings and classification triggers. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 417.90 Td (W) Tj ET Q q 0 0 0 rg BT 63.04 417.90 Td (ith respect to Citi) Tj ET Q q 0 0 0 rg BT 134.97 417.90 Td (s settlement and clearing activities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 405.90 Td (intra-day client usage of lines is closely monitored against ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 393.90 Td (limits, as well as against normal usage patterns. ) Tj ET Q q 0 0 0 rg BT 237.43 393.90 Td (T) Tj ET Q q 0 0 0 rg BT 242.84 393.90 Td (o the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 381.90 Td (extent a problem develops, Citi typically moves the client to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 369.90 Td (secured \(collateralized\) operating model. Generally) Tj ET Q q 0 0 0 rg BT 241.08 369.90 Td (, Citi) Tj ET Q q 0 0 0 rg BT 263.87 369.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 357.90 Td (intra-day settlement and clearing lines are uncommitted and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 345.90 Td (cancellable at any time.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 333.90 Td (T) Tj ET Q q 0 0 0 rg BT 59.41 333.90 Td (o manage concentration of risk within credit risk, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 321.90 Td (has in place a concentration management framework ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 309.90 Td (consisting of industry limits, obligor limits and single-name ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 297.90 Td (triggers. In addition, the independent Risk or) Tj ET Q q 0 0 0 rg BT 215.23 297.90 Td (ganization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 285.90 Td (reviews concentration of risk across Citi) Tj ET Q q 0 0 0 rg BT 200.12 285.90 Td (s regions and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 273.90 Td (businesses to assist in managing this type of risk.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 261.90 Td (Credit exposures are generally reported in notional terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 249.90 Td (for accrual loans, reflecting the value at which the loans as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 237.90 Td (well as loan and other of) Tj ET Q q 0 0 0 rg BT 134.40 237.90 Td (f-balance sheet commitments are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 225.90 Td (carried on the Consolidated Balance Sheet. Credit exposure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 213.90 Td (arising from capital markets activities is generally expressed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 201.90 Td (as the current mark-to-market, net of mar) Tj ET Q q 0 0 0 rg BT 201.02 201.90 Td (gin, reflecting the net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 189.90 Td (value owed to Citi by a given counterparty) Tj ET Q q 0 0 0 rg BT 206.14 189.90 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 177.90 Td (The credit risk associated with these credit exposures is a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 165.90 Td (function of the creditworthiness of the obligor) Tj ET Q q 0 0 0 rg BT 220.00 165.90 Td (, as well as the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 153.90 Td (terms and conditions of the specific obligation. Citi assesses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 141.90 Td (the credit risk associated with its credit exposures on a regular ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 129.90 Td (basis through its loan loss reserve process \(see Significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 117.90 Td (Accounting Policies and Significant Estimates below and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 105.90 Td (Notes 1 and 16 to the Consolidated Financial Statements\), as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 93.90 Td (well as through regular stress testing at the company) Tj ET Q q 0 0 0 rg BT 245.30 93.90 Td (, business, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 81.90 Td (geography and product levels. ) Tj ET Q q 0 0 0 rg BT 158.84 81.90 Td (These stress-testing processes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 69.90 Td (typically estimate potential incremental credit costs that would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 723.90 Td (occur as a result of either downgrades in the credit quality or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 711.90 Td (defaults of the obligors or counterparties.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 699.90 Td (For additional information on Citi) Tj ET Q q 0 0 0 rg BT 480.88 699.90 Td (s credit risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 687.90 Td (management, see Note 15 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 675.90 Td (Statements. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 651.90 Td (CONSUMER CREDIT) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 627.90 Td (North ) Tj ET Q q 0 0 0 rg BT 351.50 627.90 Td (America Consumer) Tj ET Q q 0 0 0 rg BT 434.91 627.90 Td ( Mortgage Lending) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 603.90 Td (Overview) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 591.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 591.90 Td (s ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 348.17 591.90 Td (North) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.51 591.90 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 374.01 591.90 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.89 591.90 Td ( consumer mortgage portfolio consists of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 579.90 Td (both residential first mortgages and home equity loans. ) Tj ET Q q 0 0 0 rg BT 545.90 579.90 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 567.90 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.58 567.90 Td (, Citi) Tj ET Q q 0 0 0 rg BT 425.37 567.90 Td (s ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 431.76 567.90 Td (North ) Tj ET Q q 0 0 0 rg BT 457.42 567.90 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.29 567.90 Td ( consumer mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 555.90 Td (portfolio was $79.7 billion \(compared to $95.9 billion at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 543.90 Td (December 31, 2014\), of which the residential first mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 531.90 Td (portfolio was $56.9 billion \(compared to $67.8 billion at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 519.90 Td (December 31, 2014\), and the home equity loan portfolio was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 507.90 Td ($22.8 billion \(compared to $28.1 billion at December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 495.90 Td (2014\). ) Tj ET Q q 0 0 0 rg BT 352.15 495.90 Td (The decline during the year was primarily attributed to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 483.90 Td ($14.7 billion of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 388.44 483.90 Td (North ) Tj ET Q q 0 0 0 rg BT 414.10 483.90 Td (America ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.48 483.90 Td (consumer mortgages sold or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 471.90 Td (transferred to held-for) Tj ET Q q 0 0 0 rg BT 412.09 471.90 Td (-sale, including $6.6 billion of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 459.90 Td (CitiFinancial consumer mortgages \($5.4 billion of residential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 447.90 Td (first mortgages and $1.2 billion of home equity loans\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 435.90 Td (transferred to held-for) Tj ET Q q 0 0 0 rg BT 412.09 435.90 Td (-sale and classified as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 501.50 435.90 Td (Other assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.22 435.90 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 423.90 Td (the fourth quarter of 2015. ) Tj ET Q q 0 0 0 rg BT 431.75 423.90 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.25 423.90 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.83 423.90 Td (, $18.7 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 411.90 Td (billion of residential first mortgages were recorded in Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 399.90 Td (Holdings, with the remaining $38.2 billion recorded in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 387.90 Td (Citicorp. ) Tj ET Q q 0 0 0 rg BT 361.22 387.90 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.72 387.90 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.31 387.90 Td (, $19.1 billion of home equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 375.90 Td (loans was recorded in Citi Holdings, with the remaining $3.6 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 363.90 Td (billion recorded in Citicorp. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 351.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 359.78 351.90 Td (s residential first mortgage portfolio included $3.4 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 339.90 Td (billion of loans with Federal Housing ) Tj ET Q q 0 0 0 rg BT 475.66 339.90 Td (Administration \(FHA\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 327.90 Td (insurance or Department of ) Tj ET Q q 0 0 0 rg BT 436.00 327.90 Td (V) Tj ET Q q 0 0 0 rg BT 442.11 327.90 Td (eterans ) Tj ET Q q 0 0 0 rg BT 472.37 327.90 Td (Af) Tj ET Q q 0 0 0 rg BT 482.75 327.90 Td (fairs \(V) Tj ET Q q 0 0 0 rg BT 512.28 327.90 Td (A\) guarantees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 315.90 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.72 315.90 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.30 315.90 Td (, compared to $5.2 billion at December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 303.90 Td (31, 2014. ) Tj ET Q q 0 0 0 rg BT 363.82 303.90 Td (The decline during the year was primarily due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 291.90 Td (mortgage loans with FHA) Tj ET Q q 0 0 0 rg BT 427.60 291.90 Td ( insurance sold or transferred to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 279.90 Td (held-for) Tj ET Q q 0 0 0 rg BT 356.01 279.90 Td (-sale. Citi) Tj ET Q q 0 0 0 rg BT 400.17 279.90 Td (s FHA/V) Tj ET Q q 0 0 0 rg BT 435.27 279.90 Td (A) Tj ET Q q 0 0 0 rg BT 441.94 279.90 Td ( portfolio consists of loans to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 267.90 Td (low-to-moderate-income borrowers with lower FICO \(Fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 255.90 Td (Isaac Corporation\) scores and generally higher loan-to-value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 243.90 Td (ratios \(L) Tj ET Q q 0 0 0 rg BT 357.24 243.90 Td (TVs\). Credit losses on FHA) Tj ET Q q 0 0 0 rg BT 468.63 243.90 Td ( loans are borne by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 231.90 Td (sponsoring governmental agency) Tj ET Q q 0 0 0 rg BT 455.54 231.90 Td (, provided that the insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 219.90 Td (terms have not been rescinded as a result of an origination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 207.90 Td (defect. ) Tj ET Q q 0 0 0 rg BT 353.24 207.90 Td (W) Tj ET Q q 0 0 0 rg BT 362.28 207.90 Td (ith respect to ) Tj ET Q q 0 0 0 rg BT 416.25 207.90 Td (V) Tj ET Q q 0 0 0 rg BT 422.18 207.90 Td (A) Tj ET Q q 0 0 0 rg BT 428.85 207.90 Td ( loans, the ) Tj ET Q q 0 0 0 rg BT 472.00 207.90 Td (V) Tj ET Q q 0 0 0 rg BT 477.93 207.90 Td (A) Tj ET Q q 0 0 0 rg BT 484.60 207.90 Td ( establishes a loan-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 195.90 Td (level loss cap, beyond which Citi is liable for loss. ) Tj ET Q q 0 0 0 rg BT 527.68 195.90 Td (While FHA) Tj ET Q q 0 0 0 rg BT 574.06 195.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 183.90 Td (and ) Tj ET Q q 0 0 0 rg BT 340.76 183.90 Td (V) Tj ET Q q 0 0 0 rg BT 346.69 183.90 Td (A) Tj ET Q q 0 0 0 rg BT 353.36 183.90 Td ( loans have high delinquency rates, given the insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 171.90 Td (and guarantees, respectively) Tj ET Q q 0 0 0 rg BT 436.35 171.90 Td (, Citi has experienced negligible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 159.90 Td (credit losses on these loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 147.90 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.44 147.90 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.03 147.90 Td (, Citi) Tj ET Q q 0 0 0 rg BT 467.81 147.90 Td (s ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 474.20 147.90 Td (North) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.54 147.90 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 500.04 147.90 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.92 147.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 135.90 Td (residential first mortgage portfolio contained approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 123.90 Td ($2.4 billion of adjustable rate mortgages that are currently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 111.90 Td (required to make a payment consisting of only accrued interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 99.90 Td (for the payment period, or an interest-only payment, compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 87.90 Td (to $3.8 billion at December 31, 2014. ) Tj ET Q q 0 0 0 rg BT 476.01 87.90 Td (This decline resulted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 75.90 Td (primarily from repayments and conversions to amortizing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 63.90 Td (loans. Residential first mortgages with this payment feature ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 51.90 Td (are primarily to high-credit-quality borrowers who have on ) Tj ET Q endstream endobj 145 0 obj <> endobj 146 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (average significantly higher origination and refreshed FICO ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (scores than other loans in the residential first mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (portfolio, and have exhibited significantly lower 30+ ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (delinquency rates as compared with residential first mortgages ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (without this payment feature. ) Tj ET Q q 0 0 0 rg BT 155.14 701.10 Td (As such, Citi does not believe ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (the residential mortgage loans with this payment feature ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (represent substantially higher risk in the portfolio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 665.10 Td (Citi does not of) Tj ET Q q 0 0 0 rg BT 115.76 665.10 Td (fer option-adjustable rate mortgages/) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (negative-amortizing mortgage products to its customers. ) Tj ET Q q 0 0 0 rg BT 263.45 653.10 Td (As a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (result, option-adjustable rate mortgages/negative-amortizing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (mortgages represent an insignificant portion of total balances, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (since they were acquired only incidentally as part of prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (portfolio and business purchases.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 593.10 Td (For additional information on Citi) Tj ET Q q 0 0 0 rg BT 192.88 593.10 Td (s ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 199.27 593.10 Td (North ) Tj ET Q q 0 0 0 rg BT 224.93 593.10 Td (America ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (consumer mortgage portfolio, see Note 15 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (Financial Statements.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (North ) Tj ET Q q 0 0 0 rg BT 62.58 545.10 Td (America Consumer Mortgage Quarterly Credit T) Tj ET Q q 0 0 0 rg BT 264.16 545.10 Td (rends) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (Net Credit Losses and DelinquenciesResidential First ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (Mortgages) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (The following charts detail the quarterly credit trends for Citi) Tj ET Q q 0 0 0 rg BT 283.98 509.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (residential first mortgage portfolio in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 186.80 497.10 Td (North ) Tj ET Q q 0 0 0 rg BT 212.46 497.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.33 497.10 Td (.) Tj ET Q 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 486.6 m 288.5 486.6 l s BT /F5 7.00 Tf ET q 0 0 0 rg BT 39.00 478.65 Td (North ) Tj ET Q q 0 0 0 rg BT 59.35 478.65 Td (America Residential First Mortgage - EOP) Tj ET Q q 0 0 0 rg BT 197.70 478.65 Td ( Loans) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 472.38 Td (In billions of dollars) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 154.75 36.00 309.33 cm /I21 Do Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 755.5 m 576.5 755.5 l s BT /F5 7.00 Tf ET q 0 0 0 rg BT 327.00 747.55 Td (North ) Tj ET Q q 0 0 0 rg BT 347.35 747.55 Td (America Residential First Mortgage - Net Credit Losses) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 327.00 741.28 Td (In millions of dollars) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 149.70 324.00 583.30 cm /I22 Do Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 561.70 Td (Note: CMI refers to loans originated by CitiMortgage. CFNA) Tj ET Q q 0 0 0 rg BT 520.64 561.70 Td ( refers to loans ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 552.10 Td (originated by CitiFinancial. ) Tj ET Q q 0 0 0 rg BT 414.06 552.10 Td (T) Tj ET Q q 0 0 0 rg BT 418.39 552.10 Td (otals may not sum due to rounding.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 542.50 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 342.00 542.50 Td (Decrease in 4Q15 EOP) Tj ET Q q 0 0 0 rg BT 418.79 542.50 Td ( loans primarily reflects the transfer of CFNA) Tj ET Q q 0 0 0 rg BT 564.75 542.50 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 532.90 Td (residential first mortgages to held-for) Tj ET Q q 0 0 0 rg BT 461.36 532.90 Td (-sale and classification as ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 544.88 532.90 Td (Other ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 342.00 523.30 Td (assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.11 523.30 Td ( at year) Tj ET Q q 0 0 0 rg BT 384.49 523.30 Td (-end 2015. ) Tj ET Q q 0 0 0 rg BT 420.56 523.30 Td (This transfer did not impact net credit losses.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 513.70 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 342.00 513.70 Td (Y) Tj ET Q q 0 0 0 rg BT 346.98 513.70 Td (ear) Tj ET Q q 0 0 0 rg BT 356.58 513.70 Td (-over) Tj ET Q q 0 0 0 rg BT 373.30 513.70 Td (-year change in the S&P/Case-Shiller U.S. National Home ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 504.10 Td (Price Index.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 494.50 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 342.00 494.50 Td (Y) Tj ET Q q 0 0 0 rg BT 346.98 494.50 Td (ear) Tj ET Q q 0 0 0 rg BT 356.58 494.50 Td (-over) Tj ET Q q 0 0 0 rg BT 373.30 494.50 Td (-year change as of October 2015.) Tj ET Q 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 472 m 576.5 472 l s BT /F5 7.00 Tf ET q 0 0 0 rg BT 327.00 463.05 Td (North ) Tj ET Q q 0 0 0 rg BT 347.35 463.05 Td (America Residential First Mortgage Delinquencies-Citi Holdings) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 327.00 456.78 Td (In billions of dollars) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 144.90 324.00 303.62 cm /I23 Do Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 294.00 Td (Note: Days past due excludes \(i\) U.S. mortgage loans that are guaranteed by ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 284.40 Td (U.S. government-sponsored agencies because the potential loss predominantly ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 274.80 Td (resides with the U.S. agencies, and \(ii\) loans recorded at fair value. ) Tj ET Q q 0 0 0 rg BT 540.22 274.80 Td (T) Tj ET Q q 0 0 0 rg BT 544.55 274.80 Td (otals may ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 265.20 Td (not sum due to rounding.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 255.60 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 342.00 255.60 Td (Decrease in 4Q15 primarily reflects the transfer of CFNA) Tj ET Q q 0 0 0 rg BT 529.05 255.60 Td ( residential ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 246.00 Td (first mortgages to held-for) Tj ET Q q 0 0 0 rg BT 426.04 246.00 Td (-sale and classification as ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 509.56 246.00 Td (Other assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 549.34 246.00 Td ( at year) Tj ET Q q 0 0 0 rg BT 572.72 246.00 Td (-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 236.40 Td (end 2015.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 212.40 Td (Net credit losses in the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 435.59 212.40 Td (North ) Tj ET Q q 0 0 0 rg BT 461.25 212.40 Td (America ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.63 212.40 Td (residential first ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 200.40 Td (mortgage portfolio continued to improve during 2015 as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 188.40 Td (result of improvements in the home price index \(HPI\) and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 176.40 Td (sales or transfers to held-for) Tj ET Q q 0 0 0 rg BT 435.98 176.40 Td (-sale of residential first mortgages ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 164.40 Td (during 2015, as well as overall loss mitigation activities within ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 152.40 Td (CitiFinancial.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 140.40 Td (Residential first mortgages originated by CitiFinancial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 128.40 Td (have a higher net credit loss rate as CitiFinancial borrowers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 116.40 Td (tend to have higher L) Tj ET Q q 0 0 0 rg BT 408.61 116.40 Td (TVs and lower FICO scores than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 104.40 Td (CitiMortgage borrowers. CitiFinancial) Tj ET Q q 0 0 0 rg BT 480.92 104.40 Td (s residential first ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 92.40 Td (mortgages also have a significantly dif) Tj ET Q q 0 0 0 rg BT 478.50 92.40 Td (ferent geographic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 80.40 Td (distribution, with dif) Tj ET Q q 0 0 0 rg BT 406.32 80.40 Td (ferent mortgage market conditions that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 68.40 Td (tend to lag the overall improvements in HPI. ) Tj ET Q endstream endobj 147 0 obj <> endobj 148 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (71) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (During 2015, continued management actions, primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (the sale or transfer to held-for) Tj ET Q q 0 0 0 rg BT 154.92 737.10 Td (-sale of approximately $1.5 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (billion of delinquent residential first mortgages, including $0.9 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (billion in the fourth quarter lar) Tj ET Q q 0 0 0 rg BT 157.73 713.10 Td (gely associated with the transfer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (of CitiFinancial loans to held-for) Tj ET Q q 0 0 0 rg BT 167.44 701.10 Td (-sale referenced above, were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (the primary driver of the overall improvement in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (delinquencies within Citi Holdings) Tj ET Q q 0 0 0 rg BT 466.30 749.10 Td ( residential first mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (portfolio. Credit performance from quarter to quarter could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (continue to be impacted by the amount of delinquent loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (sales or transfers to held-for) Tj ET Q q 0 0 0 rg BT 435.98 713.10 Td (-sale, as well as overall trends in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (HPI and interest rates.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (North ) Tj ET Q q 0 0 0 rg BT 62.58 665.10 Td (America Residential First MortgagesState Delinquency T) Tj ET Q q 0 0 0 rg BT 308.60 665.10 Td (rends) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (The following tables set forth the six U.S. states and/or regions with the highest concentration of Citi) Tj ET Q q 0 0 0 rg BT 442.59 653.10 Td (s residential first mortgages.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 586.60 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 109.50 586.60 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 147.50 586.60 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 204.50 586.60 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.50 586.60 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 586.60 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 586.60 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 586.60 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 586.60 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 586.60 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 586.60 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 560.60 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 109.50 560.60 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 147.50 560.60 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 204.50 560.60 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.50 560.60 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 560.60 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 560.60 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 560.60 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 560.60 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 560.60 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 560.60 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 534.60 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 109.50 534.60 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 147.50 534.60 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 204.50 534.60 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.50 534.60 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 534.60 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 534.60 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 534.60 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 534.60 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 534.60 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 534.60 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 508.60 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 109.50 508.60 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 147.50 508.60 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 204.50 508.60 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.50 508.60 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 508.60 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 508.60 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 508.60 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 508.60 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 508.60 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 508.60 48.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 617.6 m 109.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 109.5 617.6 m 147.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147.5 617.6 m 204.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 204.5 617.6 m 249.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 249.5 617.6 m 294.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 617.6 m 343.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 617.6 m 385.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 617.6 m 435.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 617.6 m 483.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 617.6 m 527.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 617.6 m 575.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 586.6 m 109.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 109.5 617.6 m 147.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 109.5 586.6 m 147.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147.5 617.6 m 204.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147.5 586.6 m 204.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 204.5 617.6 m 249.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 204.5 586.6 m 249.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 249.5 617.6 m 294.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 249.5 586.6 m 294.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 617.6 m 343.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 617.6 m 343.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 586.6 m 343.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 617.6 m 343.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 617.6 m 385.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 586.6 m 385.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 617.6 m 435.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 586.6 m 435.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 617.6 m 483.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 586.6 m 483.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 617.6 m 527.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 586.6 m 527.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 617.6 m 575.5 617.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 586.6 m 575.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 586.6 m 109.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 109.5 586.6 m 147.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147.5 586.6 m 204.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 204.5 586.6 m 249.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 249.5 586.6 m 294.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 586.6 m 343.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 586.6 m 343.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 586.6 m 343.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 586.6 m 385.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 586.6 m 435.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 586.6 m 483.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 586.6 m 527.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 586.6 m 575.5 586.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 573.6 m 343.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 573.6 m 343.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 560.6 m 343.5 547.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 560.6 m 343.5 547.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 547.6 m 343.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 547.6 m 343.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 534.6 m 343.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 534.6 m 343.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 521.6 m 343.5 508.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 521.6 m 343.5 508.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 495.6 m 109.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 109.5 495.6 m 147.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147.5 495.6 m 204.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 204.5 495.6 m 249.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 249.5 495.6 m 294.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 508.6 m 343.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 495.6 m 343.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 508.6 m 343.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 495.6 m 385.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 495.6 m 435.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 495.6 m 483.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 495.6 m 527.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 495.6 m 575.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 495.6 m 109.5 495.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 480.6 m 109.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 109.5 495.6 m 147.5 495.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 109.5 480.6 m 147.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147.5 495.6 m 204.5 495.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 147.5 480.6 m 204.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 204.5 495.6 m 249.5 495.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 204.5 480.6 m 249.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 249.5 495.6 m 294.5 495.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 249.5 480.6 m 294.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 495.6 m 343.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 495.6 m 343.5 495.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 480.6 m 343.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 495.6 m 343.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 495.6 m 385.5 495.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 480.6 m 385.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 495.6 m 435.5 495.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 480.6 m 435.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 495.6 m 483.5 495.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 480.6 m 483.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 495.6 m 527.5 495.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 480.6 m 527.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 495.6 m 575.5 495.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 480.6 m 575.5 480.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 621.85 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.70 622.00 Td (December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.60 621.86 Td (December 31, 2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 591.05 Td (State) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 57.49 595.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 115.05 591.05 Td (ENR) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 134.05 595.13 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 165.95 600.05 Td (ENR) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 151.95 591.05 Td (Distribution) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.15 600.05 Td (90+DPD) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.00 591.05 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 609.00 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 259.05 600.00 Td (L) Tj ET Q q 0 0 0 rg BT 264.23 600.00 Td (TV) Tj ET Q q 0 0 0 rg BT 276.57 600.00 Td ( >) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.80 591.00 Td (100%) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 279.30 595.08 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.05 600.05 Td (Refr) Tj ET Q q 0 0 0 rg BT 316.37 600.05 Td (eshed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.25 591.05 Td (FICO) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.55 591.06 Td (ENR) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 369.55 595.14 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.00 600.06 Td (ENR) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.20 591.06 Td (Distribution) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.95 600.06 Td (90+DPD) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.25 591.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.25 608.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.05 599.86 Td (L) Tj ET Q q 0 0 0 rg BT 497.72 599.86 Td (TV) Tj ET Q q 0 0 0 rg BT 509.56 599.86 Td ( >) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.05 590.86 Td (100%) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 512.05 594.94 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.75 600.06 Td (Refreshed) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.70 591.06 Td (FICO) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 577.86 Td (CA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 112.00 578.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 128.25 578.00 Td (19.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 578.00 Td (37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.00 578.00 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.75 578.00 Td (0.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 240.00 578.00 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 578.00 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.00 578.00 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.50 578.00 Td (754) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.00 577.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.25 577.86 Td (18.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.50 577.86 Td (31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.50 577.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.25 577.86 Td (0.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 577.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 577.86 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 577.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 577.86 Td (745) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 564.86 Td (NY/NJ/CT) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 77.50 568.94 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 128.25 565.00 Td (12.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 565.00 Td (25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.75 565.00 Td (0.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 565.00 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.50 565.00 Td (751) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.25 564.86 Td (12.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.50 564.86 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.25 564.86 Td (1.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 564.86 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 564.86 Td (740) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 551.86 Td (VA/MD) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 132.75 552.00 Td (2.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.50 552.00 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.75 552.00 Td (1.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 552.00 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.50 552.00 Td (719) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 551.86 Td (3.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.00 551.86 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.25 551.86 Td (3.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 551.86 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 551.86 Td (695) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 538.86 Td (IL) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 46.49 542.94 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 132.75 539.00 Td (2.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.50 539.00 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.75 539.00 Td (1.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 539.00 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.50 539.00 Td (735) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 538.86 Td (2.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.00 538.86 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.25 538.86 Td (2.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 538.86 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 538.86 Td (713) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 525.86 Td (FL) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 48.50 529.94 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 132.75 526.00 Td (2.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.50 526.00 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.75 526.00 Td (1.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 526.00 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.50 526.00 Td (723) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 525.86 Td (2.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.00 525.86 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.25 525.86 Td (3.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.50 525.86 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 525.86 Td (700) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 512.86 Td (TX) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 132.75 513.00 Td (1.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.50 513.00 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.75 513.00 Td (1.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.00 513.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.50 513.00 Td (711) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 512.86 Td (2.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.00 512.86 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.25 512.86 Td (2.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.50 512.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 512.86 Td (680) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 499.86 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 128.25 500.00 Td (11.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 500.00 Td (21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.75 500.00 Td (1.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 500.00 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.50 500.00 Td (710) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.25 499.86 Td (18.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.50 499.86 Td (30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.25 499.86 Td (3.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 499.86 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 499.86 Td (677) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 485.05 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 485.05 Td (otal) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 57.67 489.59 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 112.00 485.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 128.25 485.05 Td (51.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.50 485.05 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.00 485.05 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.75 485.05 Td (0.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 240.00 485.05 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.50 485.05 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.00 485.05 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.50 485.05 Td (738) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.00 485.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.25 485.06 Td (60.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 485.06 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.50 485.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.25 485.06 Td (2.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 485.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 485.06 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 485.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 485.06 Td (715) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 461.90 Td (Note: ) Tj ET Q q 0 0 0 rg BT 55.63 461.90 Td (T) Tj ET Q q 0 0 0 rg BT 59.96 461.90 Td (otals may not sum due to rounding.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 452.30 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 452.30 Td (Certain of the states are included as part of a region based on Citi) Tj ET Q q 0 0 0 rg BT 265.27 452.30 Td (s view of similar HPI within the region. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 442.70 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 442.70 Td (Ending net receivables. Excludes loans in Canada and Puerto Rico, loans guaranteed by U.S. government agencies, loans recorded at fair value and loans subject ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 433.10 Td (to long term standby commitments \(L) Tj ET Q q 0 0 0 rg BT 174.36 433.10 Td (TSCs\). Excludes balances for which FICO or L) Tj ET Q q 0 0 0 rg BT 325.59 433.10 Td (TV) Tj ET Q q 0 0 0 rg BT 336.11 433.10 Td ( data are unavailable.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 423.50 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 423.50 Td (L) Tj ET Q q 0 0 0 rg BT 58.15 423.50 Td (TV) Tj ET Q q 0 0 0 rg BT 68.67 423.50 Td ( ratios \(loan balance divided by appraised value\) are calculated at origination and updated by applying market price data.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 413.90 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 413.90 Td (New ) Tj ET Q q 0 0 0 rg BT 70.81 413.90 Td (Y) Tj ET Q q 0 0 0 rg BT 75.79 413.90 Td (ork, New Jersey) Tj ET Q q 0 0 0 rg BT 127.03 413.90 Td (, Connecticut, Florida and Illinois are judicial states.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 404.30 Td (\(5\) ) Tj ET Q q 0 0 0 rg BT 54.00 404.30 Td (Improvement in state trends during 2015 was primarily due to the sale or transfer to held-for) Tj ET Q q 0 0 0 rg BT 349.54 404.30 Td (-sale of residential first mortgages, including the transfer of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 394.70 Td (CitiFinancial residential first mortgages to held-for) Tj ET Q q 0 0 0 rg BT 217.13 394.70 Td (-sale in the fourth quarter of 2015.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 382.70 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 370.70 Td (Foreclosures) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.70 Td (A) Tj ET Q q 0 0 0 rg BT 42.67 358.70 Td ( substantial majority of Citi) Tj ET Q q 0 0 0 rg BT 155.44 358.70 Td (s foreclosure inventory consists ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.70 Td (of residential first mortgages. ) Tj ET Q q 0 0 0 rg BT 155.69 346.70 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.19 346.70 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.78 346.70 Td (, Citi) Tj ET Q q 0 0 0 rg BT 269.56 346.70 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.70 Td (foreclosure inventory included approximately $0.1 billion, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.70 Td (0.2%, of the total residential first mortgage portfolio, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.70 Td (compared to $0.6 billion, or 0.9%, at December 31, 2014, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.70 Td (based on the dollar amount of ending net receivables of loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.70 Td (in foreclosure inventory) Tj ET Q q 0 0 0 rg BT 131.43 286.70 Td (, excluding loans that are guaranteed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.70 Td (by U.S. government agencies and loans subject to L) Tj ET Q q 0 0 0 rg BT 242.81 274.70 Td (TSCs.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 250.70 Td (North ) Tj ET Q q 0 0 0 rg BT 62.58 250.70 Td (America Consumer Mortgage Quarterly Credit T) Tj ET Q q 0 0 0 rg BT 264.16 250.70 Td (rends) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 238.70 Td (Net Credit Losses and DelinquenciesHome Equity ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 226.70 Td (Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.70 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 214.70 Td (s home equity loan portfolio consists of both fixed-rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.70 Td (home equity loans and loans extended under home equity lines ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.70 Td (of credit. Fixed-rate home equity loans are fully amortizing. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.70 Td (Home equity lines of credit allow for amounts to be drawn for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.70 Td (a period of time with the payment of interest only and then, at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.70 Td (the end of the draw period, the then-outstanding amount is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.70 Td (converted to an amortizing loan \(the interest-only payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.70 Td (feature during the revolving period is standard for this product ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.70 Td (across the industry\). ) Tj ET Q q 0 0 0 rg BT 118.76 118.70 Td (After conversion, the home equity loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.70 Td (typically have a 20-year amortization period. ) Tj ET Q q 0 0 0 rg BT 217.88 106.70 Td (As of December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.70 Td (31, 2015, Citi) Tj ET Q q 0 0 0 rg BT 93.78 94.70 Td (s home equity loan portfolio of $22.8 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 82.70 Td (consisted of $6.3 billion of fixed-rate home equity loans and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.70 Td ($16.5 billion of loans extended under home equity lines of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.70 Td (credit \(Revolving HELOCs\).) Tj ET Q endstream endobj 149 0 obj <> endobj 150 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (72) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (Revolving HELOCs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (As noted above, as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.87 737.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.45 737.10 Td (, Citi had $16.5 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (billion of Revolving HELOCs, of which $4.2 billion had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (commenced amortization \(compared to $1.9 billion at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (December 31, 2014\) and $12.3 billion were still within their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (revolving period and have not commenced amortization, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (reset, \(compared to $16.7 billion at December 31, 2014\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (The following chart indicates the FICO and combined loan-to-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (value \(CL) Tj ET Q q 0 0 0 rg BT 75.35 653.10 Td (TV\) characteristics of Citi) Tj ET Q q 0 0 0 rg BT 182.81 653.10 Td (s Revolving HELOCs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (portfolio and the year in which they reset:) Tj ET Q 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 630.6 m 288.5 630.6 l s BT /F5 7.00 Tf ET q 0 0 0 rg BT 39.00 622.65 Td (North ) Tj ET Q q 0 0 0 rg BT 59.35 622.65 Td (America Home Equity Lines of Credit ) Tj ET Q q 0 0 0 rg BT 184.34 622.65 Td (Amortization Citigroup) Tj ET Q BT /F5 7.00 Tf ET q 0 0 0 rg BT 39.00 615.65 Td (T) Tj ET Q q 0 0 0 rg BT 42.76 615.65 Td (otal ENR by Reset ) Tj ET Q q 0 0 0 rg BT 104.87 615.65 Td (Y) Tj ET Q q 0 0 0 rg BT 109.15 615.65 Td (ear) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 609.38 Td (In billions of dollars as of December 31, 2015) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 140.50 36.00 460.60 cm /I24 Do Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 446.65 Td (Note: ) Tj ET Q q 0 0 0 rg BT 55.63 446.65 Td (T) Tj ET Q q 0 0 0 rg BT 59.96 446.65 Td (otals ) Tj ET Q q 0 0 0 rg BT 77.07 446.65 Td (may ) Tj ET Q q 0 0 0 rg BT 92.84 446.65 Td (not ) Tj ET Q q 0 0 0 rg BT 105.06 446.65 Td (sum ) Tj ET Q q 0 0 0 rg BT 120.40 446.65 Td (due ) Tj ET Q q 0 0 0 rg BT 133.95 446.65 Td (to ) Tj ET Q q 0 0 0 rg BT 142.17 446.65 Td (rounding.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 422.65 Td (Approximately 25% of Citi) Tj ET Q q 0 0 0 rg BT 166.49 422.65 Td (s total Revolving HELOCs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 410.65 Td (portfolio had commenced amortization as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.94 410.65 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 398.65 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 398.65 Td ( \(compared to 10% as of December 31, 2014\). Of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 386.65 Td (remaining Revolving HELOCs portfolio, approximately 66% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 374.65 Td (will commence amortization during the period of 20162017. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 362.65 Td (Before commencing amortization, Revolving HELOC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 350.65 Td (borrowers are required to pay only interest on their loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 338.65 Td (Upon amortization, these borrowers will be required to pay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 326.65 Td (both interest, usually at a variable rate, and principal that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 314.65 Td (amortizes typically over 20 years, rather than the typical 30-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 302.65 Td (year amortization. ) Tj ET Q q 0 0 0 rg BT 110.69 302.65 Td (As a result, Citi) Tj ET Q q 0 0 0 rg BT 176.24 302.65 Td (s customers with Revolving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 290.65 Td (HELOCs that reset could experience payment shock due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 278.65 Td (the higher required payments on the loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 266.65 Td (While it is not certain what ultimate impact this payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 254.65 Td (shock could have on Citi) Tj ET Q q 0 0 0 rg BT 138.21 254.65 Td (s delinquency rates and net credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 242.65 Td (losses, Citi currently estimates that the monthly loan payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 230.65 Td (for its Revolving HELOCs that reset during the period of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 218.65 Td (20162017 could increase on average by approximately $370, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 206.65 Td (or 165%. Increases in interest rates could further increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 194.65 Td (these payments given the variable nature of the interest rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 182.65 Td (on these loans post-reset. Of the Revolving HELOCs that will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 170.65 Td (commence amortization during the period of 20162017, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 158.65 Td (approximately $0.6 billion, or 8%, of the loans have a CL) Tj ET Q q 0 0 0 rg BT 265.86 158.65 Td (TV) Tj ET Q q 0 0 0 rg BT 279.01 158.65 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 146.65 Td (greater than 100% as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.46 146.65 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.04 146.65 Td (. Borrowers) Tj ET Q q 0 0 0 rg BT 261.84 146.65 Td ( high ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 134.65 Td (loan-to-value positions, as well as the cost and availability of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 122.65 Td (refinancing options, could limit borrowers) Tj ET Q q 0 0 0 rg BT 207.72 122.65 Td ( ability to refinance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 110.65 Td (their Revolving HELOCs as these loans begin to reset.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 98.65 Td (Approximately 6.7% of the Revolving HELOCs that have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 86.65 Td (begun amortization as of December 31, 2015 were 30+ days ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 74.65 Td (past due, compared to 3.2% of the total outstanding home ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 62.65 Td (equity loan portfolio \(amortizing and non-amortizing\). ) Tj ET Q q 0 0 0 rg BT 256.60 62.65 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 50.65 Td (compared to 6.4% and 2.7%, respectively) Tj ET Q q 0 0 0 rg BT 201.96 50.65 Td (, as of December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 348.45 749.10 Td (As newly amortizing loans continue to season, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (delinquency rate of the amortizing Revolving HELOC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (portfolio and total home equity loan portfolio is expected to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (continue to increase. In addition, resets to date have generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (occurred during a period of historically low interest rates, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (which Citi believes has likely reduced the overall payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (shock to the borrower) Tj ET Q q 0 0 0 rg BT 415.36 677.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 665.10 Td (Citi continues to monitor this reset risk closely and will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (continue to consider any potential impact in determining its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (allowance for loan loss reserves. In addition, management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (continues to review and take additional actions to of) Tj ET Q q 0 0 0 rg BT 532.65 629.10 Td (fset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (potential reset risk, such as a borrower outreach program to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (provide reset risk education and proactively working with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (high-risk borrowers through a specialized single point of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (contact unit. For further information on reset risk, see Risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (FactorsCredit and Market Risks above. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (Net Cr) Tj ET Q q 0 0 0 rg BT 350.58 545.10 Td (edit Losses and Delinquencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (The following charts detail the quarterly credit trends for Citi) Tj ET Q q 0 0 0 rg BT 571.98 533.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (home equity loan portfolio in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 443.70 521.10 Td (North ) Tj ET Q q 0 0 0 rg BT 469.36 521.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.24 521.10 Td (:) Tj ET Q 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 510.6 m 576.5 510.6 l s BT /F5 7.00 Tf ET q 0 0 0 rg BT 327.00 502.65 Td (North ) Tj ET Q q 0 0 0 rg BT 347.35 502.65 Td (America Home Equity - EOP) Tj ET Q q 0 0 0 rg BT 440.58 502.65 Td ( Loans) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 327.00 496.38 Td (In billions of dollars) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 251.95 0 0 120.65 324.00 367.45 cm /I25 Do Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 344.95 m 576.5 344.95 l s BT /F5 7.00 Tf ET q 0 0 0 rg BT 327.00 337.00 Td (North ) Tj ET Q q 0 0 0 rg BT 347.35 337.00 Td (America Home Equity - Net Credit Losses) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 327.00 330.73 Td (In millions of dollars) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 121.05 324.00 201.42 cm /I26 Do Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 182.20 Td (Note: ) Tj ET Q q 0 0 0 rg BT 343.63 182.20 Td (T) Tj ET Q q 0 0 0 rg BT 347.96 182.20 Td (otals may not sum due to rounding.) Tj ET Q endstream endobj 151 0 obj <> endobj 152 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (73) Tj ET Q 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 755.5 m 288.5 755.5 l s BT /F5 7.00 Tf ET q 0 0 0 rg BT 39.00 747.55 Td (North ) Tj ET Q q 0 0 0 rg BT 59.35 747.55 Td (America Home Equity Loan Delinquencies - Citi Holdings) Tj ET Q BT /F7 6.00 Tf ET q 0 0 0 rg BT 39.00 741.28 Td (In billions of dollars) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 252.00 0 0 145.75 36.00 587.26 cm /I27 Do Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 577.65 Td (Note: ) Tj ET Q q 0 0 0 rg BT 57.63 577.65 Td (T) Tj ET Q q 0 0 0 rg BT 61.96 577.65 Td (otals may not sum due to rounding.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (As evidenced by the tables above, net credit losses in the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (North ) Tj ET Q q 0 0 0 rg BT 349.66 737.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.54 737.10 Td ( home equity loan portfolio continued to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (improve during 2015, lar) Tj ET Q q 0 0 0 rg BT 423.80 725.10 Td (gely driven by the continued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (improvement in HPI. Delinquencies in the portfolio also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (improved during 2015, primarily due to liquidations and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (continued management actions, including the transfer of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (CitiFinancial home equity loans to held-for) Tj ET Q q 0 0 0 rg BT 496.82 677.10 Td (-sale in the fourth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (quarter of 2015 and continued modifications, partially of) Tj ET Q q 0 0 0 rg BT 550.98 665.10 Td (fset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (by increased delinquencies associated with the increase in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (Revolving HELOCs commencing amortization. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 629.10 Td (Given the limited market in which to sell delinquent home ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (equity loans to date, as well as the relatively smaller number ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (of home equity loan modifications and modification programs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (\(see Note 15 to the Consolidated Financial Statements\), Citi) Tj ET Q q 0 0 0 rg BT 567.01 593.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (ability to reduce delinquencies or net credit losses in its home ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (equity loan portfolio in Citi Holdings, whether pursuant to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (deterioration of the underlying credit performance of these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (loans, the reset of the Revolving HELOCs \(as discussed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (above\) or otherwise, is more limited as compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (residential first mortgages.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (North ) Tj ET Q q 0 0 0 rg BT 62.58 497.10 Td (America Home Equity LoansState Delinquency T) Tj ET Q q 0 0 0 rg BT 276.37 497.10 Td (rends) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (The following tables set forth the six U.S. states and/or regions with the highest concentration of Citi) Tj ET Q q 0 0 0 rg BT 442.59 485.10 Td (s home equity loans:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 428.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 108.50 428.60 38.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 428.60 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 428.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 428.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.50 428.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 428.60 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 428.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 428.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 428.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 428.60 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 400.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 108.50 400.60 38.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 400.60 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 400.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 400.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.50 400.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 400.60 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 400.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 400.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 400.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 400.60 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 372.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 108.50 372.60 38.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 372.60 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 372.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 372.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.50 372.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 372.60 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 372.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 372.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 372.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 372.60 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 344.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 108.50 344.60 38.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 344.60 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 344.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 344.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.50 344.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 344.60 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 344.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 344.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 344.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 344.60 46.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 460.6 m 108.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 108.5 460.6 m 146.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 460.6 m 203.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 460.6 m 243.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 243.5 460.6 m 291.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 460.6 m 339.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 460.6 m 381.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 460.6 m 436.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 460.6 m 481.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 460.6 m 529.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 460.6 m 575.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 428.6 m 108.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 108.5 460.6 m 146.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 108.5 428.6 m 146.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 460.6 m 203.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 428.6 m 203.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 460.6 m 243.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 428.6 m 243.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 243.5 460.6 m 291.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 460.6 m 339.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 460.6 m 339.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 460.6 m 339.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 460.6 m 381.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 428.6 m 381.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 460.6 m 436.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 428.6 m 436.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 460.6 m 481.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 428.6 m 481.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 460.6 m 529.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 428.6 m 529.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 460.6 m 575.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 428.6 m 575.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 428.6 m 108.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 108.5 428.6 m 146.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 428.6 m 203.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 428.6 m 243.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 243.5 428.6 m 291.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 428.6 m 339.5 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 428.6 m 339.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 428.6 m 339.5 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 428.6 m 381.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 428.6 m 436.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 428.6 m 481.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 428.6 m 529.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 428.6 m 575.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 414.6 m 339.5 400.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 414.6 m 339.5 400.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 400.6 m 339.5 386.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 400.6 m 339.5 386.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 386.6 m 339.5 372.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 386.6 m 339.5 372.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 372.6 m 339.5 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 372.6 m 339.5 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 358.6 m 339.5 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 358.6 m 339.5 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 330.6 m 108.5 330.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 108.5 330.6 m 146.5 330.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 330.6 m 203.5 330.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 330.6 m 243.5 330.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 243.5 330.6 m 291.5 330.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 344.6 m 339.5 330.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 330.6 m 339.5 330.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 344.6 m 339.5 330.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 330.6 m 381.5 330.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 330.6 m 436.5 330.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 330.6 m 481.5 330.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 330.6 m 529.5 330.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 330.6 m 575.5 330.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 330.6 m 108.5 330.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 316.6 m 108.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 108.5 330.6 m 146.5 330.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 108.5 316.6 m 146.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 330.6 m 203.5 330.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 316.6 m 203.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 330.6 m 243.5 330.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 316.6 m 243.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 243.5 330.6 m 291.5 330.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 243.5 316.6 m 291.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 330.6 m 339.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 330.6 m 339.5 330.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 316.6 m 339.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 330.6 m 339.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 330.6 m 381.5 330.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 316.6 m 381.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 330.6 m 436.5 330.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 316.6 m 436.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 330.6 m 481.5 330.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 316.6 m 481.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 330.6 m 529.5 330.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 316.6 m 529.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 330.6 m 575.5 330.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 316.6 m 575.5 316.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 464.85 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.20 465.05 Td (December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.60 465.06 Td (December 30, 2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 433.05 Td (State) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 57.49 437.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 114.05 433.05 Td (ENR) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 133.05 437.13 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 164.95 442.05 Td (ENR) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 150.95 433.05 Td (Distribution) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.65 442.05 Td (90+DPD) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 218.50 433.05 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.50 451.05 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.30 442.05 Td (CL) Tj ET Q q 0 0 0 rg BT 262.98 442.05 Td (TV) Tj ET Q q 0 0 0 rg BT 275.32 442.05 Td ( >) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.30 433.05 Td (100%) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 274.80 437.13 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.55 442.05 Td (Refr) Tj ET Q q 0 0 0 rg BT 312.87 442.05 Td (eshed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.75 433.05 Td (FICO) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.55 433.06 Td (ENR) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 365.55 437.14 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.50 442.06 Td (ENR) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.70 433.06 Td (Distribution) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.45 442.06 Td (90+DPD) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.75 433.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.25 451.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.05 442.06 Td (CL) Tj ET Q q 0 0 0 rg BT 500.72 442.06 Td (TV) Tj ET Q q 0 0 0 rg BT 512.56 442.06 Td ( >) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.05 433.06 Td (100%) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 512.05 437.14 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.75 442.06 Td (Refreshed) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.70 433.06 Td (FICO) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 419.06 Td (CA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 111.00 419.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.75 419.05 Td (6.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 185.00 419.05 Td (29) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.00 419.05 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.75 419.05 Td (1.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.00 419.05 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.50 419.05 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 419.05 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.50 419.05 Td (731) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.00 419.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.75 419.06 Td (7.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.50 419.06 Td (28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 419.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.25 419.06 Td (1.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.50 419.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.50 419.06 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.50 419.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 419.06 Td (729) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 405.06 Td (NY/NJ/CT) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 77.50 409.14 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.75 405.05 Td (6.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 185.00 405.05 Td (28) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.75 405.05 Td (2.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.50 405.05 Td (8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.50 405.05 Td (725) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.75 405.06 Td (6.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.50 405.06 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.25 405.06 Td (2.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.50 405.06 Td (11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 405.06 Td (721) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 391.06 Td (FL) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 48.50 395.14 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.75 391.05 Td (1.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.50 391.05 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.75 391.05 Td (2.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 391.05 Td (24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.50 391.05 Td (715) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.75 391.06 Td (1.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.00 391.06 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.25 391.06 Td (2.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.50 391.06 Td (36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 391.06 Td (707) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 377.06 Td (VA/MD) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.75 377.05 Td (1.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.50 377.05 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.75 377.05 Td (2.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 377.05 Td (23) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.50 377.05 Td (715) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.75 377.06 Td (1.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.00 377.06 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.25 377.06 Td (1.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.50 377.06 Td (28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 377.06 Td (706) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 363.06 Td (IL) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 46.49 367.14 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.75 363.05 Td (0.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.50 363.05 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.75 363.05 Td (1.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 363.05 Td (29) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.50 363.05 Td (722) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.75 363.06 Td (1.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.00 363.06 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.25 363.06 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.50 363.06 Td (35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 363.06 Td (716) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 349.06 Td (IN/OH/MI) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 76.50 353.14 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.75 349.05 Td (0.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.50 349.05 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.75 349.05 Td (1.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 349.05 Td (24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.50 349.05 Td (703) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.75 349.06 Td (0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.00 349.06 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.25 349.06 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.50 349.06 Td (31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 349.06 Td (688) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 335.06 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.75 335.05 Td (5.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 185.00 335.05 Td (24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.75 335.05 Td (1.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 335.05 Td (12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.50 335.05 Td (712) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.75 335.06 Td (7.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.50 335.06 Td (27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.25 335.06 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.50 335.06 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 335.06 Td (702) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 321.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 111.00 321.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 127.25 321.05 Td (21.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 180.50 321.05 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.00 321.05 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.75 321.05 Td (2.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.00 321.05 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 321.05 Td (12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 321.05 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.50 321.05 Td (722) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.00 321.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.25 321.06 Td (26.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 321.06 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 321.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.25 321.06 Td (1.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.50 321.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.50 321.06 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.50 321.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 321.06 Td (715) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 297.90 Td (Note: ) Tj ET Q q 0 0 0 rg BT 57.63 297.90 Td (T) Tj ET Q q 0 0 0 rg BT 61.96 297.90 Td (otals may not sum due to rounding.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 288.30 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 288.30 Td (Certain of the states are included as part of a region based on Citi) Tj ET Q q 0 0 0 rg BT 265.27 288.30 Td (s view of similar HPI within the region. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 278.70 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 278.70 Td (Ending net receivables. Excludes loans in Canada and Puerto Rico and loans subject to L) Tj ET Q q 0 0 0 rg BT 338.30 278.70 Td (TSCs. Excludes balances for which FICO or L) Tj ET Q q 0 0 0 rg BT 486.87 278.70 Td (TV) Tj ET Q q 0 0 0 rg BT 497.39 278.70 Td ( data are unavailable.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 269.10 Td (Represents combined loan-to-value \(CL) Tj ET Q q 0 0 0 rg BT 181.45 269.10 Td (TV\) for both residential first mortgages and home equity loans. CL) Tj ET Q q 0 0 0 rg BT 397.55 269.10 Td (TV) Tj ET Q q 0 0 0 rg BT 408.07 269.10 Td ( ratios \(loan balance divided by appraised value\) are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 259.50 Td (calculated at origination and updated by applying market price data.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 249.90 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 249.90 Td (New ) Tj ET Q q 0 0 0 rg BT 70.81 249.90 Td (Y) Tj ET Q q 0 0 0 rg BT 75.79 249.90 Td (ork, New Jersey) Tj ET Q q 0 0 0 rg BT 127.03 249.90 Td (, Connecticut, Indiana, Ohio, Florida and Illinois are judicial states. ) Tj ET Q endstream endobj 153 0 obj <> endobj 154 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (74) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (ADDITIONAL) Tj ET Q q 0 0 0 rg BT 100.46 749.25 Td ( CONSUMER CREDIT) Tj ET Q q 0 0 0 rg BT 202.51 749.25 Td ( DET) Tj ET Q q 0 0 0 rg BT 224.83 749.25 Td (AILS) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (Consumer Loan Delinquency ) Tj ET Q q 0 0 0 rg BT 159.81 725.25 Td (Amounts and Ratios) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 638.75 109.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 638.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 638.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 638.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 638.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 638.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 638.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 638.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 610.75 109.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 610.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 610.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 610.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 610.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 610.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 610.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 610.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 582.75 109.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 582.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 582.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 582.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 582.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 582.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 582.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 582.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 554.75 109.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 554.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 554.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 554.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 554.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 554.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 554.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 554.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 526.75 109.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 526.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 526.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 526.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 526.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 526.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 526.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 526.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 498.75 109.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 498.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 498.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 498.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 498.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 498.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 498.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 498.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 470.75 109.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 470.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 470.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 470.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 470.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 470.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 470.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 470.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 442.75 109.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 442.75 63.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 442.75 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 442.75 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 442.75 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 442.75 62.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 442.75 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 442.75 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 405.75 109.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 405.75 63.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 405.75 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 405.75 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 405.75 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 405.75 62.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 405.75 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 405.75 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 368.75 109.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 368.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 368.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 368.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 368.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 368.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 368.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 368.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 340.75 109.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 340.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 340.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 340.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 340.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 340.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 340.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 340.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 312.75 109.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 312.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 312.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 312.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 312.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 312.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 312.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 312.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 284.75 109.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 284.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 284.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 284.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 284.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 284.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 284.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 284.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 256.75 109.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 256.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 256.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 256.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 256.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 256.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 256.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 256.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 228.75 109.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 228.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 228.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 228.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 228.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 228.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 228.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 228.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 200.75 109.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 200.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 200.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 200.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 200.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 200.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 200.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 200.75 59.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 145.5 691.75 m 208.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 691.75 m 278.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 691.75 m 337.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 691.75 m 396.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 691.75 m 458.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 691.75 m 517.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 691.75 m 576.5 691.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 673.75 m 145.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 691.75 m 208.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 145.5 673.75 m 208.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 673.75 m 278.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 673.75 m 337.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 691.75 m 396.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 673.75 m 396.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 673.75 m 458.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 673.75 m 517.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 673.75 m 576.5 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 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i [] 0 d 0 J 0 j 3 M 208.5 228.75 m 208.5 214.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 228.75 m 208.5 214.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 228.75 m 396.5 214.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 200.75 m 145.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 214.75 m 208.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 214.75 m 208.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 214.75 m 396.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 200.75 m 396.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 200.75 m 208.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 145.5 200.75 m 208.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 200.75 m 278.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 200.75 m 337.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 200.75 m 396.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 200.75 m 458.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 200.75 m 517.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 200.75 m 576.5 200.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 172.75 m 145.5 172.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 186.75 m 208.5 172.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 145.5 172.75 m 208.5 172.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 186.75 m 208.5 172.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 172.75 m 278.5 172.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 172.75 m 337.5 172.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 186.75 m 396.5 172.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 172.75 m 396.5 172.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 172.75 m 458.5 172.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 172.75 m 517.5 172.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 172.75 m 576.5 172.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 696.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.45 705.20 Td (EOP) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 163.05 696.20 Td (loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 183.06 700.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.35 696.20 Td (90+ days past due) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 332.75 700.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.20 696.20 Td (3089days past due) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 520.97 700.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 150.30 678.20 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 275.80 678.20 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.80 678.20 Td (December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 665.00 Td (In millions of dollars, except) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 657.00 Td (EOP loan amounts in billions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.50 657.20 Td (2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.00 657.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.50 657.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.50 657.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 657.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 657.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 657.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 643.20 Td (Citicorp) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 70.99 647.28 Td (\(3\)\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 629.21 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 148.00 629.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 184.75 629.20 Td (285.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.00 629.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.75 629.20 Td (2,213) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.00 629.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.25 629.21 Td (2,566) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.00 629.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 629.21 Td (2,872) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.00 629.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.75 629.20 Td (2,512) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.00 629.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.25 629.21 Td (2,688) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 629.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 629.21 Td (3,054) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 615.21 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.25 615.20 Td (0.78) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 615.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 615.21 Td (0.88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 615.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 615.21 Td (0.98) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 615.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.25 615.20 Td (0.88) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 615.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 615.21 Td (0.93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 615.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 615.21 Td (1.04) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 615.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 601.20 Td (Retail banking) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 587.21 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 148.00 587.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 184.75 587.20 Td (146.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.00 587.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.50 587.20 Td (577) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.00 587.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.00 587.21 Td (816) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.00 587.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 587.21 Td (927) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.00 587.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.50 587.20 Td (795) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.00 587.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 587.21 Td (854) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 587.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 587.21 Td (970) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 573.21 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.25 573.20 Td (0.40) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 573.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 573.21 Td (0.55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 573.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 573.21 Td (0.63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 573.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.25 573.20 Td (0.55) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 573.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 573.21 Td (0.58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 573.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 573.21 Td (0.66) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 573.21 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 559.20 Td (North America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.25 559.20 Td (51.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.50 559.20 Td (165) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.00 559.21 Td (225) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 559.21 Td (257) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.50 559.20 Td (221) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 559.21 Td (212) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 559.21 Td (205) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 545.21 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.25 545.20 Td (0.33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 545.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 545.21 Td (0.49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 545.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 545.21 Td (0.60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 545.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.25 545.20 Td (0.44) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 545.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 545.21 Td (0.46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 545.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 545.21 Td (0.48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 545.21 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 531.20 Td (Latin America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.25 531.20 Td (24.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.50 531.20 Td (235) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.00 531.21 Td (397) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 531.21 Td (460) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.50 531.20 Td (224) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 531.21 Td (290) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 531.21 Td (368) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 517.21 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.25 517.20 Td (0.98) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 517.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 517.21 Td (1.52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 517.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 517.21 Td (1.60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 517.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.25 517.20 Td (0.93) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 517.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 517.21 Td (1.11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 517.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 517.21 Td (1.28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 517.21 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 503.20 Td (Asia) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 61.00 507.28 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.25 503.20 Td (71.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.50 503.20 Td (177) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.00 503.21 Td (194) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 503.21 Td (210) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.50 503.20 Td (350) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 503.21 Td (352) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 503.21 Td (397) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 489.21 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.25 489.20 Td (0.25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 489.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 489.21 Td (0.25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 489.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 489.21 Td (0.28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 489.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.25 489.20 Td (0.49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 489.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 489.21 Td (0.46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 489.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 489.21 Td (0.53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 489.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 475.20 Td (Cards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 461.21 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 148.00 461.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 184.75 461.20 Td (138.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.00 461.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.75 461.20 Td (1,636) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.00 461.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.25 461.21 Td (1,750) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.00 461.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 461.21 Td (1,945) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.00 461.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.75 461.20 Td (1,717) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.00 461.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.25 461.21 Td (1,834) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 461.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 461.21 Td (2,084) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 447.21 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.25 447.20 Td (1.18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 447.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 447.21 Td (1.23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 447.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 447.21 Td (1.33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 447.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.25 447.20 Td (1.24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 447.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 447.21 Td (1.29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 447.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 447.21 Td (1.42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 447.21 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 433.20 Td (North AmericaCiti-) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 424.20 Td (branded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.25 424.20 Td (67.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.50 424.20 Td (538) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.00 424.21 Td (593) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 424.21 Td (681) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.50 424.20 Td (523) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 424.21 Td (568) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 424.21 Td (661) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 410.21 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.25 410.20 Td (0.80) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 410.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 410.21 Td (0.88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 410.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 410.21 Td (0.97) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 410.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.25 410.20 Td (0.78) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 410.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 410.21 Td (0.84) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 410.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 410.21 Td (0.94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 410.21 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 396.20 Td (North AmericaCiti retail) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 387.20 Td (services) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.25 387.20 Td (46.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.50 387.20 Td (705) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.00 387.21 Td (678) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 387.21 Td (771) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.50 387.20 Td (773) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 387.21 Td (748) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 387.21 Td (830) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 373.21 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.25 373.20 Td (1.53) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 373.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 373.21 Td (1.46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 373.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 373.21 Td (1.67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 373.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.25 373.20 Td (1.68) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 373.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 373.21 Td (1.61) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 373.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 373.21 Td (1.79) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 373.21 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 359.20 Td (Latin America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 193.75 359.20 Td (7.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.50 359.20 Td (213) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.00 359.21 Td (284) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 359.21 Td (290) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.50 359.20 Td (196) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 359.21 Td (262) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 359.21 Td (298) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 345.21 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.25 345.20 Td (2.84) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 345.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 345.21 Td (3.05) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 345.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 345.21 Td (2.79) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 345.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.25 345.20 Td (2.61) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 345.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 345.21 Td (2.82) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 345.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 345.21 Td (2.87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 345.21 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 331.20 Td (Asia) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 61.00 335.28 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.25 331.20 Td (17.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.50 331.20 Td (180) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.00 331.21 Td (195) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 331.21 Td (203) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.50 331.20 Td (225) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 331.21 Td (256) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 331.21 Td (295) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 317.21 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.25 317.20 Td (1.02) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 317.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 317.21 Td (1.05) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 317.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 317.21 Td (1.05) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 317.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.25 317.20 Td (1.27) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 317.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 317.21 Td (1.38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 317.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 317.21 Td (1.52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 317.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 303.20 Td (Citi Holdings) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 90.26 307.28 Td (\(6\)\(7\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 289.21 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 148.00 289.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.25 289.20 Td (44.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.00 289.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.50 289.20 Td (840) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.00 289.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.25 289.21 Td (2,073) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.00 289.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 289.21 Td (2,857) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.00 289.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.50 289.20 Td (960) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.00 289.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.25 289.21 Td (1,831) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 289.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 289.21 Td (2,890) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 275.21 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.25 275.20 Td (2.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 275.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 275.21 Td (2.77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 275.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 275.21 Td (3.12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 275.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.25 275.20 Td (2.28) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 275.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 275.21 Td (2.45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 275.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 275.21 Td (3.15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 275.21 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 261.20 Td (International) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 193.75 261.20 Td (3.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.00 261.20 Td (70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.00 261.21 Td (110) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 261.21 Td (263) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.50 261.20 Td (103) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 261.21 Td (168) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 261.21 Td (366) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 247.21 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.25 247.20 Td (1.84) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 247.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 247.21 Td (1.38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 247.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 247.21 Td (1.93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 247.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.25 247.20 Td (2.71) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 247.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 247.21 Td (2.10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 247.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 247.21 Td (2.69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 247.21 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 233.20 Td (North America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.25 233.20 Td (40.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.50 233.20 Td (770) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.25 233.21 Td (1,963) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 233.21 Td (2,594) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.50 233.20 Td (857) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.25 233.21 Td (1,663) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 233.21 Td (2,524) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 219.21 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.25 219.20 Td (2.01) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 219.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 219.21 Td (2.94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 219.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 219.21 Td (3.33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 219.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.25 219.20 Td (2.24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 219.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 219.21 Td (2.49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 219.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 219.21 Td (3.24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 219.21 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 205.20 Td (Other ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 62.25 209.28 Td (\(8\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 193.75 205.20 Td (0.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 191.20 Td (Total Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 148.00 191.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 184.75 191.20 Td (329.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.00 191.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.75 191.20 Td (3,053) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.00 191.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.25 191.21 Td (4,639) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.00 191.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 191.21 Td (5,729) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.00 191.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.75 191.20 Td (3,472) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.00 191.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.25 191.21 Td (4,519) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 191.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 191.21 Td (5,944) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 177.21 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.25 177.20 Td (0.94) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 177.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 177.21 Td (1.27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 177.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 177.21 Td (1.49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 177.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.25 177.20 Td (1.06) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 177.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 177.21 Td (1.24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 177.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 177.21 Td (1.54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 177.21 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 155.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 155.65 Td (End-of-period \(EOP\) loans include interest and fees on credit cards.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 146.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 146.05 Td (The ratios of 90+ days past due and 3089days past due are calculated based on EOP) Tj ET Q q 0 0 0 rg BT 328.36 146.05 Td ( loans, net of unearned income.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 136.45 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 136.45 Td (The 90+ days past due balances for ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 168.92 136.45 Td (North ) Tj ET Q q 0 0 0 rg BT 189.45 136.45 Td (AmericaCiti-branded ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.99 136.45 Td (and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 280.54 136.45 Td (North ) Tj ET Q q 0 0 0 rg BT 301.07 136.45 Td (AmericaCiti r) Tj ET Q q 0 0 0 rg BT 352.11 136.45 Td (etail services) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.09 136.45 Td ( are generally still accruing interest. Citigroup) Tj ET Q q 0 0 0 rg BT 543.60 136.45 Td (s policy ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 126.85 Td (is generally to accrue interest on credit card loans until 180days past due, unless notification of bankruptcy filing has been received earlier) Tj ET Q q 0 0 0 rg BT 498.07 126.85 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 117.25 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 117.25 Td (The 90+ days and 3089days past due and related ratios for) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 246.68 117.25 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.68 117.25 Td (Citicorp) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 274.90 117.25 Td ( North ) Tj ET Q q 0 0 0 rg BT 297.43 117.25 Td (America ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.53 117.25 Td (exclude U.S. mortgage loans that are guaranteed by U.S. government-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 107.65 Td (sponsored entities since the potential loss predominantly resides within the U.S. government-sponsored entities. ) Tj ET Q q 0 0 0 rg BT 413.79 107.65 Td (The amounts excluded for loans 90+ days past ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 98.05 Td (due and \(EOP) Tj ET Q q 0 0 0 rg BT 98.58 98.05 Td ( loans\) were $491million \($1.1billion\), $562million \($1.1billion\) and $690million \($1.2billion\) at December 31, 2015, 2014 and 2013, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 88.45 Td (respectively) Tj ET Q q 0 0 0 rg BT 92.13 88.45 Td (. ) Tj ET Q q 0 0 0 rg BT 95.98 88.45 Td (The amounts excluded for loans 3089days past due \(EOP) Tj ET Q q 0 0 0 rg BT 285.20 88.45 Td ( loans have the same adjustment as above\) were $87million, $122million and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 78.85 Td ($141million at December 31, 2015, 2014 and 2013, respectively) Tj ET Q q 0 0 0 rg BT 261.43 78.85 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 69.25 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 69.25 Td (For reporting purposes, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 130.88 69.25 Td (Asia GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 163.10 69.25 Td ( includes the results of operations of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 281.07 69.25 Td (EMEA) Tj ET Q q 0 0 0 rg BT 302.25 69.25 Td ( GCB ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 322.25 69.25 Td (for all periods presented.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 59.65 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 59.65 Td (The 90+ days and 3089days past due and related ratios for Citi Holdings ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 294.02 59.65 Td (North ) Tj ET Q q 0 0 0 rg BT 314.55 59.65 Td (America ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.65 59.65 Td (exclude U.S. mortgage loans that are guaranteed by U.S. government-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 50.05 Td (sponsored entities since the potential loss predominantly resides within the U.S. government-sponsored entities. ) Tj ET Q q 0 0 0 rg BT 413.79 50.05 Td (The amounts excluded for loans 90+ days past ) Tj ET Q endstream endobj 155 0 obj <> endobj 156 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (75) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 750.50 Td (due \(and EOP) Tj ET Q q 0 0 0 rg BT 98.58 750.50 Td ( loans\) for each period were $1.5 billion \($2.2billion\), $2.2billion \($4.0billion\) and $3.3billion \($6.4billion\) at December 31, 2015, 2014 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 740.90 Td (2013, respectively) Tj ET Q q 0 0 0 rg BT 114.13 740.90 Td (. ) Tj ET Q q 0 0 0 rg BT 117.98 740.90 Td (The amounts excluded for loans 3089days past due \(EOP) Tj ET Q q 0 0 0 rg BT 307.20 740.90 Td ( loans have the same adjustment as above\) for each period were $0.2billion, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 731.30 Td ($0.5billion and $1.1billion at December 31, 2015, 2014 and 2013, respectively) Tj ET Q q 0 0 0 rg BT 309.65 731.30 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 721.70 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 721.70 Td (The December 31, 2015, 2014 and 2013 loans 90+ days past due and 3089days past due and related ratios for ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 412.42 721.70 Td (North ) Tj ET Q q 0 0 0 rg BT 432.95 721.70 Td (America) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.05 721.70 Td ( exclude $1) Tj ET Q q 0 0 0 rg BT 496.63 721.70 Td (1million, $14million ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 712.10 Td (and $0.9billion, respectively) Tj ET Q q 0 0 0 rg BT 146.57 712.10 Td (, of loans that are carried at fair value.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 702.50 Td (\(8\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 702.50 Td (Represents loans classified as ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 150.86 702.50 Td (Consumer loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 203.09 702.50 Td ( on the Consolidated Balance Sheet that are not included in the Citi Holdings consumer credit metrics.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 668.90 Td (Consumer Loan Net Credit Losses and Ratios) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 623.40 367.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 623.40 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 623.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 623.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 623.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 597.40 367.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 597.40 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 597.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 597.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 597.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 571.40 367.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 571.40 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 571.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 571.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 571.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 545.40 367.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 545.40 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 545.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 545.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 545.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 519.40 367.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 519.40 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 519.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 519.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 519.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 493.40 367.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 493.40 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 493.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 493.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 493.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 467.40 367.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 467.40 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 467.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 467.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 467.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 441.40 367.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 441.40 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 441.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 441.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 441.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 415.40 367.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 415.40 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 415.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 415.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 415.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 389.40 367.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 389.40 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 389.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 389.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 389.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 363.40 367.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 363.40 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 363.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 363.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 363.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 337.40 367.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 337.40 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 337.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 337.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 337.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 311.40 367.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 311.40 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 311.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 311.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 311.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 285.40 367.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 285.40 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 285.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 285.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 285.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 259.40 367.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 259.40 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 259.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 259.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 259.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 233.40 367.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 233.40 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 233.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 233.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 233.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 207.40 367.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 207.40 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 207.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 207.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 207.40 44.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 637.4 m 488.5 637.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 637.4 m 532.5 637.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 637.4 m 576.5 637.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 623.4 m 403.5 623.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 623.4 m 444.5 623.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 637.4 m 488.5 637.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 623.4 m 488.5 623.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 637.4 m 532.5 637.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 623.4 m 532.5 623.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 637.4 m 576.5 637.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 623.4 m 576.5 623.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 584.4 m 403.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 584.4 m 532.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 584.4 m 576.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 584.4 m 444.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 584.4 m 488.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 584.4 m 532.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 584.4 m 576.5 584.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 467.4 m 403.5 467.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 467.4 m 444.5 467.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 467.4 m 488.5 467.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 467.4 m 532.5 467.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 467.4 m 576.5 467.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 324.4 m 403.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 324.4 m 444.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 324.4 m 488.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 324.4 m 532.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 324.4 m 576.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 220.39999999999998 m 403.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 220.39999999999998 m 444.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 220.39999999999998 m 488.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 220.39999999999998 m 532.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 220.39999999999998 m 576.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 220.39999999999998 m 444.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 220.39999999999998 m 488.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 220.39999999999998 m 532.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 220.39999999999998 m 576.5 220.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 194.39999999999998 m 403.5 194.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 194.39999999999998 m 444.5 194.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 194.39999999999998 m 488.5 194.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 194.39999999999998 m 532.5 194.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 194.39999999999998 m 576.5 194.39999999999998 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 641.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.80 649.80 Td (A) Tj ET Q q 0 0 0 rg BT 413.63 649.80 Td (verage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.05 640.80 Td (loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 430.06 644.88 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 641.85 Td (Net cr) Tj ET Q q 0 0 0 rg BT 495.82 641.85 Td (edit losses) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 534.07 645.93 Td (\(2\)\(3\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 627.65 Td (In millions of dollars, except average loan amounts in billions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.50 627.85 Td (2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 627.85 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 627.86 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.00 627.86 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 614.80 Td (Citicorp) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.00 614.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 614.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 614.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 601.66 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 601.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 601.80 Td (281.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 601.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.75 601.80 Td (6,029) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 601.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.25 601.66 Td (6,860) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 601.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 601.66 Td (7,017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 588.66 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.25 588.80 Td (2.14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 588.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 588.66 Td (2.36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 588.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 588.66 Td (2.52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 588.66 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 575.80 Td (Retail banking) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 562.66 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 562.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 562.80 Td (148.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 562.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.75 562.80 Td (1,241) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 562.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.25 562.66 Td (1,366) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 562.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 562.66 Td (1,274) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 549.66 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.25 549.80 Td (0.84) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 549.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 549.66 Td (0.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 549.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 549.66 Td (0.89) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 549.66 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 536.65 Td (North America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.25 536.80 Td (49.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.50 536.80 Td (152) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.00 536.66 Td (143) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 536.66 Td (186) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 523.66 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.25 523.80 Td (0.31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 523.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 523.66 Td (0.31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 523.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 523.66 Td (0.44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 523.66 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 510.65 Td (Latin America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.25 510.80 Td (25.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.50 510.80 Td (764) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.00 510.66 Td (907) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 510.66 Td (816) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 497.66 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.25 497.80 Td (3.06) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 497.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 497.66 Td (3.20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 497.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 497.66 Td (2.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 497.66 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 484.65 Td (Asia) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 61.00 488.73 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.25 484.80 Td (73.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.50 484.80 Td (325) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.00 484.66 Td (316) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 484.66 Td (272) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 471.66 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.25 471.80 Td (0.44) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 471.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 471.66 Td (0.41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 471.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 471.66 Td (0.38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 471.66 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 458.80 Td (Cards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 445.66 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 445.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 445.80 Td (133.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 445.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.75 445.80 Td (4,788) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 445.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.25 445.66 Td (5,494) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 445.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 445.66 Td (5,743) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 432.66 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.25 432.80 Td (3.59) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 432.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 432.66 Td (3.96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 432.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 432.66 Td (4.26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 432.66 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 419.65 Td (North AmericaCiti-branded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.25 419.80 Td (64.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.75 419.80 Td (1,892) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.25 419.66 Td (2,197) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 419.66 Td (2,555) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 406.66 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.25 406.80 Td (2.96) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 406.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 406.66 Td (3.31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 406.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 406.66 Td (3.72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 406.66 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 393.65 Td (North AmericaRetail services) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.25 393.80 Td (43.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.75 393.80 Td (1,709) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.25 393.66 Td (1,866) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 393.66 Td (1,895) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 380.66 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.25 380.80 Td (3.94) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 380.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 380.66 Td (4.32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 380.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 380.66 Td (4.92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 380.66 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 367.65 Td (Latin America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 367.80 Td (8.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.50 367.80 Td (785) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.00 367.66 Td (954) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 367.66 Td (794) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 354.66 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.25 354.80 Td (9.57) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 354.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 354.66 Td (9.54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 354.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 354.66 Td (9.57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 354.66 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 341.65 Td (Asia) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 61.00 345.73 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.25 341.80 Td (17.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.50 341.80 Td (402) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.00 341.66 Td (477) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 341.66 Td (499) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 328.66 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.25 328.80 Td (2.28) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 328.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 328.66 Td (2.51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 328.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 328.66 Td (2.57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 328.66 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 315.80 Td (Citi Holdings) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 90.26 319.88 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 302.66 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 302.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.25 302.80 Td (61.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 302.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.75 302.80 Td (1,035) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 302.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.25 302.66 Td (1,819) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 302.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 302.66 Td (3,239) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 289.66 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.25 289.80 Td (1.68) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 289.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 289.66 Td (2.01) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 289.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 289.66 Td (2.98) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 289.66 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 276.65 Td (International) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 276.80 Td (5.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.50 276.80 Td (173) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.00 276.66 Td (261) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 276.66 Td (411) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 263.66 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.25 263.80 Td (3.46) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 263.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 263.66 Td (2.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 263.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 263.66 Td (2.91) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 263.66 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 45.00 250.65 Td (North America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.25 250.80 Td (56.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.50 250.80 Td (862) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.25 250.66 Td (1,558) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 250.66 Td (2,828) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 237.66 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.25 237.80 Td (1.52) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 237.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 237.66 Td (1.97) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 237.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 237.66 Td (2.99) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 237.66 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 224.65 Td (Other) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 60.00 228.73 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 224.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.50 224.80 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 224.66 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 224.66 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 211.80 Td (Total Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 211.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 211.80 Td (342.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 211.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.75 211.80 Td (7,068) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 211.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.25 211.66 Td (8,685) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 211.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 211.66 Td (10,262) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 198.66 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.25 198.80 Td (2.06) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.00 198.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 198.66 Td (2.28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 198.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 198.66 Td (2.64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 198.66 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 177.30 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 177.30 Td (A) Tj ET Q q 0 0 0 rg BT 59.18 177.30 Td (verage loans include interest and fees on credit cards.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 167.70 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 167.70 Td (The ratios of net credit losses are calculated based on average loans, net of unearned income.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 158.10 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 158.10 Td (As a result of the entry into an agreement to sell OneMain Financial \(OneMain\), OneMain was classified as held-for) Tj ET Q q 0 0 0 rg BT 426.39 158.10 Td (-sale \(HFS\) beginning March 31, 2015. ) Tj ET Q q 0 0 0 rg BT 555.93 158.10 Td (As a ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 148.50 Td (result of HFS accounting treatment, approximately $350 million of net credit losses \(NCLs\) were recorded as a reduction in revenue \() Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 482.09 148.50 Td (Other r) Tj ET Q q 0 0 0 rg BT 505.57 148.50 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.78 148.50 Td (\) during 2015. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 138.90 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 93.47 138.90 Td (, these NCLs are not included in this table. Loans HFS are excluded from this table as they are recorded in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 435.81 138.90 Td (Other assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.59 138.90 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 129.30 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 129.30 Td (For reporting purposes, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 130.88 129.30 Td (Asia GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 163.10 129.30 Td ( includes the results of operations of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 281.07 129.30 Td (EMEA) Tj ET Q q 0 0 0 rg BT 302.25 129.30 Td ( GCB ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 322.25 129.30 Td (for all periods presented.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 119.70 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 119.70 Td (Represents NCLs on loans classified as ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 181.98 119.70 Td (Consumer loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 234.20 119.70 Td ( on the Consolidated Balance Sheet that are not included in the Citi Holdings consumer credit metrics.) Tj ET Q endstream endobj 157 0 obj <> endobj 158 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (76) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Loan Maturities and Fixed/V) Tj ET Q q 0 0 0 rg BT 155.75 749.25 Td (ariable Pricing ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (U.S. Consumer Mortgages ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 669.75 90.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 669.75 39.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 164.50 669.75 45.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 669.75 39.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 669.75 39.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 615.75 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 615.75 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 164.50 615.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 615.75 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 615.75 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 589.75 90.00 -49.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 589.75 39.00 -49.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 164.50 589.75 45.00 -49.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 589.75 39.00 -49.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 589.75 39.00 -49.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 518.75 90.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 518.75 39.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 164.50 518.75 45.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 518.75 39.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 518.75 39.00 -31.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 669.75 m 125.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 669.75 m 164.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 164.5 669.75 m 209.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 669.75 m 248.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 248.5 669.75 m 287.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 602.75 m 125.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 602.75 m 164.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 164.5 602.75 m 209.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 602.75 m 248.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 248.5 602.75 m 287.5 602.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 589.75 m 125.5 589.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 602.75 m 164.5 602.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 589.75 m 164.5 589.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 164.5 602.75 m 209.5 602.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 164.5 589.75 m 209.5 589.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 602.75 m 248.5 602.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 589.75 m 248.5 589.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 248.5 602.75 m 287.5 602.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 248.5 589.75 m 287.5 589.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 487.75 m 125.5 487.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 487.75 m 164.5 487.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 164.5 487.75 m 209.5 487.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 487.75 m 248.5 487.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 248.5 487.75 m 287.5 487.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 474.75 m 125.5 474.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 474.75 m 164.5 474.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 164.5 474.75 m 209.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 487.75 m 248.5 487.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 474.75 m 248.5 474.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 248.5 474.75 m 287.5 474.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 682.00 Td (In millions of dollars at) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 674.00 Td (year end 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 136.75 692.20 Td (Due) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 132.20 683.20 Td (within) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 132.70 674.20 Td (1 year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 171.40 718.15 Td (Gr) Tj ET Q q 0 0 0 rg BT 182.23 718.15 Td (eater) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 174.35 709.15 Td (than 1 ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 178.05 700.15 Td (year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 179.95 691.15 Td (but ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 174.20 682.15 Td (within) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 172.85 673.15 Td (5 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.40 692.20 Td (Gr) Tj ET Q q 0 0 0 rg BT 224.23 692.20 Td (eater) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 216.35 683.20 Td (than 5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 218.25 674.20 Td (years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.65 674.20 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 661.15 Td (U.S. consumer) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 652.15 Td (mortgage loan) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 643.15 Td (portfolio) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 629.21 Td (Residential first) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 620.21 Td (mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 128.00 620.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 147.50 620.20 Td (126) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.00 620.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.50 620.20 Td (724) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 620.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.25 620.20 Td (57,545) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.00 620.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 259.25 620.20 Td (58,395) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 607.01 Td (Home equity loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 140.75 607.15 Td (7,638) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 185.75 607.15 Td (8,658) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 224.75 607.15 Td (5,590) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 259.25 607.15 Td (21,886) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 594.15 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 128.00 594.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 140.75 594.15 Td (7,764) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.00 594.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 185.75 594.15 Td (9,382) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 594.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.25 594.15 Td (63,135) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.00 594.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 259.25 594.15 Td (80,281) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 581.15 Td (Fixed/variable) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 572.15 Td (pricing of U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 563.15 Td (consumer mortgage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 554.15 Td (loans with maturities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 545.15 Td (due after one year) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 532.01 Td (Loans at fixed interest) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 523.01 Td (rates) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.00 523.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 185.75 523.20 Td (1,195) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 523.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.25 523.20 Td (43,666) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 510.01 Td (Loans at floating or) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 501.01 Td (adjustable interest) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 492.01 Td (rates) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 185.75 492.20 Td (8,187) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.25 492.20 Td (19,468) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 479.15 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.00 479.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 185.75 479.15 Td (9,382) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 479.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.25 479.15 Td (63,134) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 159 0 obj <> endobj 160 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (77) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (CORPORA) Tj ET Q q 0 0 0 rg BT 85.81 742.25 Td (TE CREDIT) Tj ET Q q 0 0 0 rg BT 140.37 742.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (Consistent with its overall strategy) Tj ET Q q 0 0 0 rg BT 174.22 730.25 Td (, Citi) Tj ET Q q 0 0 0 rg BT 197.01 730.25 Td (s corporate clients ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (are typically lar) Tj ET Q q 0 0 0 rg BT 98.56 718.25 Td (ge, multi-national corporations which value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 706.25 Td (s global network. Citi aims to establish relationships ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (with these clients that encompass multiple products, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (consistent with client needs, including cash management and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (trade services, foreign exchange, lending, capital markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (and M&A) Tj ET Q q 0 0 0 rg BT 76.28 658.25 Td ( advisory) Tj ET Q q 0 0 0 rg BT 112.57 658.25 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 634.25 Td (Corporate Cr) Tj ET Q q 0 0 0 rg BT 94.41 634.25 Td (edit Portfolio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.25 Td (The following table sets forth Citi) Tj ET Q q 0 0 0 rg BT 174.59 622.25 Td (s corporate credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 Td (portfolio within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 101.55 610.25 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.77 610.25 Td ( \(excluding private bank\), before ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.25 Td (consideration of collateral or hedges, by remaining tenor for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.25 Td (the periods indicated:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 502.75 85.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 121.50 502.75 31.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 152.50 502.75 40.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 192.50 502.75 37.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.50 502.75 43.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 502.75 31.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.50 502.75 37.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 502.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 502.75 43.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 502.75 31.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 502.75 37.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 502.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 502.75 41.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 447.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 121.50 447.75 31.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 152.50 447.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 192.50 447.75 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.50 447.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 447.75 31.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.50 447.75 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 447.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 447.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 447.75 31.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 447.75 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 447.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 447.75 41.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 121.5 561.75 m 152.5 561.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 152.5 561.75 m 192.5 561.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192.5 561.75 m 229.5 561.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 561.75 m 272.5 561.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 561.75 m 303.5 561.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 561.75 m 340.5 561.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 561.75 m 375.5 561.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 561.75 m 418.5 561.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 561.75 m 449.5 561.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 561.75 m 486.5 561.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 561.75 m 521.5 561.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 561.75 m 562.5 561.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 121.5 502.75 m 152.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 152.5 502.75 m 192.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192.5 502.75 m 229.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 561.75 m 272.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 502.75 m 272.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 502.75 m 303.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 502.75 m 340.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 502.75 m 375.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 561.75 m 418.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 502.75 m 418.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 502.75 m 449.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 502.75 m 486.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 502.75 m 521.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 502.75 m 562.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 502.75 m 121.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 121.5 502.75 m 152.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 152.5 502.75 m 192.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192.5 502.75 m 229.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 502.75 m 272.5 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 502.75 m 272.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 502.75 m 272.5 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 502.75 m 303.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 502.75 m 340.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 502.75 m 375.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 502.75 m 418.5 479.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 502.75 m 418.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 502.75 m 449.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 502.75 m 486.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 502.75 m 521.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 502.75 m 562.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 479.75 m 272.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 479.75 m 272.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 447.75 m 303.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 447.75 m 340.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 447.75 m 375.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 479.75 m 418.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 447.75 m 418.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 447.75 m 121.5 447.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 433.75 m 121.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 121.5 447.75 m 152.5 447.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 121.5 433.75 m 152.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 152.5 447.75 m 192.5 447.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 152.5 433.75 m 192.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192.5 447.75 m 229.5 447.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 192.5 433.75 m 229.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 447.75 m 272.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 447.75 m 272.5 447.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 433.75 m 272.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 447.75 m 272.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 447.75 m 303.5 447.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 433.75 m 303.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 447.75 m 340.5 447.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 433.75 m 340.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 447.75 m 375.5 447.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 433.75 m 375.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 447.75 m 418.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 447.75 m 418.5 447.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 433.75 m 418.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 447.75 m 449.5 447.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 433.75 m 449.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 447.75 m 486.5 447.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 433.75 m 486.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 447.75 m 521.5 447.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 433.75 m 521.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 447.75 m 562.5 447.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 433.75 m 562.5 433.75 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 39.00 566.43 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 154.30 566.20 Td (At December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.25 566.21 Td (At September 30, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 566.21 Td (At December 31, 2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 507.00 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 128.75 525.20 Td (Due) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 124.20 516.20 Td (within) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 124.70 507.20 Td (1year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.90 552.20 Td (Gr) Tj ET Q q 0 0 0 rg BT 167.73 552.20 Td (eater) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 163.20 543.20 Td (than ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 160.20 534.20 Td (1year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 165.45 525.20 Td (but ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 159.70 516.20 Td (within) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 158.35 507.20 Td (5years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.40 525.20 Td (Gr) Tj ET Q q 0 0 0 rg BT 206.23 525.20 Td (eater) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.70 516.20 Td (than) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 196.85 507.20 Td (5years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 240.65 516.20 Td (T) Tj ET Q q 0 0 0 rg BT 245.83 516.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.30 507.20 Td (exposur) Tj ET Q q 0 0 0 rg BT 263.64 507.20 Td (e) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 525.21 Td (Due) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.95 516.21 Td (within) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.35 507.21 Td (1year) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.00 552.21 Td (Greater) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 543.21 Td (than) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.35 534.21 Td (1year) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.70 525.21 Td (but) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.95 516.21 Td (within) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.60 507.21 Td (5years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 525.21 Td (Greater) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.75 516.21 Td (than) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.60 507.21 Td (5years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.30 516.21 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.25 507.21 Td (exposure) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 525.21 Td (Due) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.95 516.21 Td (within) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.35 507.21 Td (1year) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 552.21 Td (Greater) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.75 543.21 Td (than ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.35 534.21 Td (1year) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.70 525.21 Td (but ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.95 516.21 Td (within) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.60 507.21 Td (5years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 525.21 Td (Greater) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.75 516.21 Td (than) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.60 507.21 Td (5years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.30 516.21 Td (T) Tj ET Q q 0 0 0 rg BT 537.17 516.21 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 507.21 Td (exposure) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 493.21 Td (Direct outstandings ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 484.21 Td (\(on-balance sheet\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 105.21 488.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 124.00 484.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 140.00 484.20 Td (98) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.00 484.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 180.00 484.20 Td (97) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.00 484.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 217.00 484.20 Td (25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.00 484.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.50 484.20 Td (220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 484.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.00 484.21 Td (95) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 484.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 484.21 Td (99) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 484.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 484.21 Td (30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 484.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 484.21 Td (224) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.00 484.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.00 484.21 Td (95) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 484.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 484.21 Td (85) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 484.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 484.21 Td (33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 484.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 484.21 Td (213) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 470.21 Td (Unfunded lending ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 461.21 Td (commitments ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 452.21 Td (\(of) Tj ET Q q 0 0 0 rg BT 49.33 452.21 Td (f-balance sheet\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 106.54 456.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 140.00 452.20 Td (99) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 175.50 452.20 Td (231) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 217.00 452.20 Td (26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.50 452.20 Td (356) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.00 452.21 Td (91) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.50 452.21 Td (222) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 452.21 Td (36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 452.21 Td (349) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.00 452.21 Td (92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 452.21 Td (207) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 452.21 Td (33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 452.21 Td (332) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 438.20 Td (Total exposure) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 124.00 438.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 135.50 438.20 Td (197) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.00 438.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 175.50 438.20 Td (328) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.00 438.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 217.00 438.20 Td (51) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.00 438.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.50 438.20 Td (576) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 438.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.50 438.21 Td (186) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 438.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.50 438.21 Td (321) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 438.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 438.21 Td (66) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 438.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 438.21 Td (573) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.00 438.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.50 438.21 Td (187) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 438.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 438.21 Td (292) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 438.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 438.21 Td (66) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 438.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 438.21 Td (545) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 412.65 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 412.65 Td (Includes drawn loans, overdrafts, bankers) Tj ET Q q 0 0 0 rg BT 189.36 412.65 Td ( acceptances and leases. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 403.05 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 403.05 Td (Includes unused commitments to lend, letters of credit and financial guarantees.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 379.05 Td (Portfolio MixGeography) Tj ET Q q 0 0 0 rg BT 147.02 379.05 Td (, Counterparty and Industry) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 367.05 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 367.05 Td (s corporate credit portfolio is diverse across geography ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 355.05 Td (and counterparty) Tj ET Q q 0 0 0 rg BT 102.82 355.05 Td (. ) Tj ET Q q 0 0 0 rg BT 107.64 355.05 Td (The following table shows the percentage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 343.05 Td (by region based on Citi) Tj ET Q q 0 0 0 rg BT 132.10 343.05 Td (s internal management geography:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 309.55 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 106.50 309.55 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 309.55 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 309.55 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 281.55 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 106.50 281.55 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 281.55 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 281.55 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 253.55 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 106.50 253.55 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 253.55 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 253.55 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 309.54999999999995 m 106.5 309.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 106.5 309.54999999999995 m 166.5 309.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 309.54999999999995 m 228.5 309.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 309.54999999999995 m 288.5 309.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 106.5 309.54999999999995 m 166.5 309.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 309.54999999999995 m 228.5 309.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 309.54999999999995 m 288.5 309.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 253.54999999999995 m 106.5 253.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 239.54999999999995 m 106.5 239.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 106.5 253.54999999999995 m 166.5 253.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 106.5 239.54999999999995 m 166.5 239.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 253.54999999999995 m 228.5 253.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 239.54999999999995 m 228.5 239.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 253.54999999999995 m 288.5 253.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 239.54999999999995 m 288.5 239.54999999999995 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 109.80 323.00 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 127.00 314.00 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 171.00 323.01 Td (September 30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 188.00 314.01 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.75 323.01 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.00 314.01 Td (2014) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 300.00 Td (North America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 148.00 300.00 Td (56) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 157.00 300.00 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 211.50 300.01 Td (56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.50 300.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 300.01 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.50 300.01 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 286.00 Td (EMEA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 148.00 286.00 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 211.50 286.01 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 286.01 Td (25) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 272.00 Td (Asia) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 148.00 272.00 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 211.50 272.01 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 272.01 Td (13) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 258.00 Td (Latin America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 152.50 258.00 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 216.00 258.01 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 258.01 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 244.00 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 143.50 244.00 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 157.00 244.00 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.00 244.01 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.50 244.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 244.01 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.50 244.01 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 216.05 Td (The maintenance of accurate and consistent risk ratings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 204.05 Td (across the corporate credit portfolio facilitates the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 192.05 Td (comparison of credit exposure across all lines of business, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 180.05 Td (geographic regions and products. Counterparty risk ratings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 168.05 Td (reflect an estimated probability of default for a counterparty ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 156.05 Td (and are derived primarily through the use of validated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 144.05 Td (statistical models, scorecard models and external agency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 132.05 Td (ratings \(under defined circumstances\), in combination with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 120.05 Td (consideration of factors specific to the obligor or market, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 108.05 Td (such as management experience, competitive position, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 96.05 Td (regulatory environment and commodity prices. Facility risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 84.05 Td (ratings are assigned that reflect the probability of default of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 379.05 Td (the obligor and factors that af) Tj ET Q q 0 0 0 rg BT 434.83 379.05 Td (fect the loss-given-default of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 367.05 Td (the facility) Tj ET Q q 0 0 0 rg BT 359.39 367.05 Td (, such as support or collateral. Internal obligor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 355.05 Td (ratings that generally correspond to BBB and above are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 343.05 Td (considered investment grade, while those below are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 331.05 Td (considered non-investment grade.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 319.05 Td (Citigroup also has incorporated climate risk assessment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 307.05 Td (and reporting criteria for certain obligors, as necessary) Tj ET Q q 0 0 0 rg BT 534.59 307.05 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 295.05 Td (Factors evaluated include consideration of climate risk to an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 283.05 Td (obligor) Tj ET Q q 0 0 0 rg BT 346.26 283.05 Td () Tj ET Q q 0 0 0 rg BT 349.04 283.05 Td (s business and physical assets and, when relevant, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 271.05 Td (consideration of cost-ef) Tj ET Q q 0 0 0 rg BT 411.23 271.05 Td (fective options to reduce greenhouse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 259.05 Td (gas emissions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 247.05 Td (The following table presents the corporate credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 235.05 Td (portfolio by facility risk rating as a percentage of the total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 223.05 Td (corporate credit portfolio:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 168.55 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 168.55 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 168.55 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 168.55 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 140.55 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 140.55 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 140.55 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 140.55 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 112.55 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 112.55 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 112.55 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 112.55 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 198.54999999999995 m 442.5 198.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 198.54999999999995 m 502.5 198.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 198.54999999999995 m 562.5 198.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 168.54999999999995 m 382.5 168.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 168.54999999999995 m 442.5 168.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 168.54999999999995 m 502.5 168.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 198.54999999999995 m 562.5 198.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 168.54999999999995 m 562.5 168.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 168.54999999999995 m 442.5 168.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 168.54999999999995 m 502.5 168.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 168.54999999999995 m 562.5 168.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 98.54999999999995 m 382.5 98.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 84.54999999999995 m 382.5 84.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 98.54999999999995 m 442.5 98.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 84.54999999999995 m 442.5 84.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 98.54999999999995 m 502.5 98.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 84.54999999999995 m 502.5 84.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 98.54999999999995 m 562.5 98.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 84.54999999999995 m 562.5 84.54999999999995 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 203.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.85 203.00 Td (Total Exposure) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 173.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.80 182.00 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.00 173.00 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 182.01 Td (September 30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.00 173.01 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.75 182.01 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 173.01 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 159.01 Td (AAA/AA/A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 159.00 Td (48) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.00 159.00 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 159.01 Td (49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 159.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 159.01 Td (49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 159.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 145.01 Td (BBB) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 145.00 Td (35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 145.01 Td (35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 145.01 Td (33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 131.01 Td (BB/B) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 131.00 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 131.01 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 131.01 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 117.01 Td (CCC or below) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.50 117.00 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 117.01 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 117.01 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 103.01 Td (Unrated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 103.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 103.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 103.01 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 89.00 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.50 89.00 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.00 89.00 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 89.01 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 89.01 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.00 89.01 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 89.01 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.00 63.45 Td (Note: ) Tj ET Q q 0 0 0 rg BT 336.63 63.45 Td (T) Tj ET Q q 0 0 0 rg BT 340.96 63.45 Td (otal exposure includes direct outstandings and unfunded lending ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.00 53.85 Td (commitments. ) Tj ET Q endstream endobj 161 0 obj <> endobj 162 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 742.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 742.10 Td (s corporate credit portfolio is also diversified by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (industry) Tj ET Q q 0 0 0 rg BT 68.13 730.10 Td (. ) Tj ET Q q 0 0 0 rg BT 72.95 730.10 Td (The following table shows the allocation of Citi) Tj ET Q q 0 0 0 rg BT 267.08 730.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (total corporate credit portfolio by industry:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 670.60 84.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 120.50 670.60 62.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 182.50 670.60 62.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 670.60 58.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 624.60 84.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 120.50 624.60 62.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 182.50 624.60 62.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 624.60 58.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 569.60 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 120.50 569.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 182.50 569.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 569.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 521.60 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 120.50 521.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 182.50 521.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 521.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 493.60 84.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 120.50 493.60 62.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 182.50 493.60 62.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 493.60 58.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 456.60 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 120.50 456.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 182.50 456.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 456.60 58.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 693.6 m 182.5 693.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 693.6 m 244.5 693.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 693.6 m 302.5 693.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 670.6 m 120.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 693.6 m 182.5 693.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 670.6 m 182.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 670.6 m 244.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 693.6 m 302.5 693.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 670.6 m 302.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 670.6 m 120.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 670.6 m 182.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 670.6 m 244.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 670.6 m 302.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 442.6 m 120.5 442.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 442.6 m 182.5 442.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 442.6 m 244.5 442.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 442.6 m 302.5 442.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 428.6 m 120.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 442.6 m 182.5 442.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 428.6 m 182.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 442.6 m 244.5 442.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 428.6 m 244.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 442.6 m 302.5 442.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 428.6 m 302.5 428.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 698.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.85 698.05 Td (Total Exposure) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 675.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 124.80 684.05 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 142.00 675.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 187.00 684.06 Td (September 30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 204.00 675.06 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 247.75 684.06 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.00 675.06 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 661.06 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 661.06 Td (ransportation and ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 652.06 Td ( industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 164.00 652.05 Td (20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 173.00 652.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.50 652.06 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.50 652.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.50 652.06 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 294.50 652.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 638.06 Td (Consumer retail and ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 629.06 Td ( health) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 164.00 629.05 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.50 629.06 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.50 629.06 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 615.06 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 615.06 Td (echnology) Tj ET Q q 0 0 0 rg BT 80.77 615.06 Td (, media ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 606.06 Td ( and telecom) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 164.00 606.05 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.50 606.06 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 606.06 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 592.06 Td (Power) Tj ET Q q 0 0 0 rg BT 61.64 592.06 Td (, chemicals, ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 583.06 Td ( commodities and ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 574.06 Td ( metals and mining) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 164.00 574.05 Td (11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.50 574.06 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.50 574.06 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 560.06 Td (Ener) Tj ET Q q 0 0 0 rg BT 55.83 560.06 Td (gy) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 64.83 564.14 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 168.50 560.05 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.00 560.06 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.50 560.06 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 544.06 Td (Banks/broker-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 535.06 Td (dealers/finance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 526.06 Td (companies) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 168.50 526.05 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.00 526.06 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 526.06 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 512.06 Td (Real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 168.50 512.05 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.00 512.06 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 512.06 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 498.06 Td (Hedge funds) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 168.50 498.05 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.00 498.06 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 498.06 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 484.06 Td (Insurance and special ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 475.06 Td ( purpose entities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 168.50 475.05 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.00 475.06 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 475.06 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 461.06 Td (Public sector) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 168.50 461.05 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.00 461.06 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 461.06 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 447.06 Td (Other industries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 168.50 447.05 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.00 447.06 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 447.06 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 433.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 159.50 433.05 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 173.00 433.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 433.06 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.50 433.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.00 433.06 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 294.50 433.06 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 409.90 Td (Note: ) Tj ET Q q 0 0 0 rg BT 55.63 409.90 Td (T) Tj ET Q q 0 0 0 rg BT 59.96 409.90 Td (otal exposure includes direct outstandings and unfunded lending ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 400.30 Td (commitments. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 390.70 Td (\(1\) In addition to this exposure, Citi has ener) Tj ET Q q 0 0 0 rg BT 185.16 390.70 Td (gy-related exposure within ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 381.10 Td (the Public sector \(e.g., ener) Tj ET Q q 0 0 0 rg BT 148.26 381.10 Td (gy-related state-owned entities\) and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 371.50 Td (T) Tj ET Q q 0 0 0 rg BT 62.16 371.50 Td (ransportation and industrial sector \(e.g., of) Tj ET Q q 0 0 0 rg BT 201.52 371.50 Td (f-shore drilling entities\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 361.90 Td (included in the table above. ) Tj ET Q q 0 0 0 rg BT 143.75 361.90 Td (As of December 31, 2015, Citi) Tj ET Q q 0 0 0 rg BT 244.40 361.90 Td (s total ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 352.30 Td (exposure to these ener) Tj ET Q q 0 0 0 rg BT 125.16 352.30 Td (gy-related entities remained lar) Tj ET Q q 0 0 0 rg BT 224.75 352.30 Td (gely consistent ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 342.70 Td (with the prior quarter) Tj ET Q q 0 0 0 rg BT 121.88 342.70 Td (, at approximately $6 billion, of which ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 333.10 Td (approximately $4 billion consisted of direct outstanding funded loans. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 309.10 Td (Exposur) Tj ET Q q 0 0 0 rg BT 68.96 309.10 Td (e to the Ener) Tj ET Q q 0 0 0 rg BT 119.96 309.10 Td (gy and Ener) Tj ET Q q 0 0 0 rg BT 168.47 309.10 Td (gy-Related Sector) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 297.10 Td (As of December 31, 2015, Citi) Tj ET Q q 0 0 0 rg BT 161.81 297.10 Td (s total corporate credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 285.10 Td (exposure to the ener) Tj ET Q q 0 0 0 rg BT 116.62 285.10 Td (gy and ener) Tj ET Q q 0 0 0 rg BT 163.08 285.10 Td (gy-related sector \(see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 273.10 Td (footnote 1 to the table above\) was approximately $58 billion, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 261.10 Td (with approximately $21 billion, or 3%, of Citi) Tj ET Q q 0 0 0 rg BT 222.92 261.10 Td (s total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 249.10 Td (outstanding loans consisting of direct outstanding funded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 237.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 61.93 237.10 Td (This compared to approximately $61 billion of total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 225.10 Td (corporate credit exposure and $21 billion of direct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 213.10 Td (outstanding funded loans as of September 30, 2015. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 201.10 Td (addition, as of December 31, 2015, approximately 72% of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 189.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 189.10 Td (s total corporate credit ener) Tj ET Q q 0 0 0 rg BT 162.99 189.10 Td (gy and ener) Tj ET Q q 0 0 0 rg BT 209.46 189.10 Td (gy-related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 177.10 Td (exposure was in the United States, United Kingdom and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 165.10 Td (Canada \(compared to approximately 73% at September 30, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 153.10 Td (2015\). ) Tj ET Q q 0 0 0 rg BT 66.28 153.10 Td (Also as of December 31, 2015, approximately 80% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 141.10 Td (of Citi) Tj ET Q q 0 0 0 rg BT 64.61 141.10 Td (s total ener) Tj ET Q q 0 0 0 rg BT 108.30 141.10 Td (gy and ener) Tj ET Q q 0 0 0 rg BT 154.77 141.10 Td (gy-related exposures were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 129.10 Td (rated investment grade \(compared to approximately 79% as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 117.10 Td (of September 30, 2015\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 105.10 Td (During the fourth quarter of 2015, Citi built additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 93.10 Td (ener) Tj ET Q q 0 0 0 rg BT 53.03 93.10 Td (gy and ener) Tj ET Q q 0 0 0 rg BT 99.49 93.10 Td (gy-related loan loss reserves of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 81.10 Td (approximately $250 million, and incurred approximately $75 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 69.10 Td (million of net credit losses in these portfolios. For the full ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 57.10 Td (year 2015, Citi built net loan loss reserves against ener) Tj ET Q q 0 0 0 rg BT 254.65 57.10 Td (gy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 45.10 Td (and ener) Tj ET Q q 0 0 0 rg BT 69.96 45.10 Td (gy-related exposures by approximately $530 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (million, and incurred net credit losses of approximately $95 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (million. ) Tj ET Q q 0 0 0 rg BT 350.34 730.10 Td (As of December 31, 2015, Citi held loan loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (reserves against its funded ener) Tj ET Q q 0 0 0 rg BT 442.33 718.10 Td (gy and ener) Tj ET Q q 0 0 0 rg BT 488.79 718.10 Td (gy-related loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (equal to approximately 3.8% of these loans. For additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (information on ener) Tj ET Q q 0 0 0 rg BT 396.24 694.10 Td (gy and ener) Tj ET Q q 0 0 0 rg BT 442.70 694.10 Td (gy-related reserving actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (in) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.78 682.10 Td ( ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.50 682.10 Td (, see ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 364.77 682.10 Td (Institutional Clients Gr) Tj ET Q q 0 0 0 rg BT 463.30 682.10 Td (oup) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.86 682.10 Td ( above.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (Exposur) Tj ET Q q 0 0 0 rg BT 349.96 658.10 Td (e to Banks, Br) Tj ET Q q 0 0 0 rg BT 406.24 658.10 Td (oker) Tj ET Q q 0 0 0 rg BT 423.81 658.10 Td (-Dealers and Finance Companies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (As of December 31, 2015, Citi) Tj ET Q q 0 0 0 rg BT 442.81 646.10 Td (s total corporate credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (exposure to banks, broker) Tj ET Q q 0 0 0 rg BT 420.11 634.10 Td (-dealers and finance companies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (was approximately $42 billion, of which $29 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (represented direct outstanding funded loans, or 5% of Citi) Tj ET Q q 0 0 0 rg BT 551.66 610.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (total outstanding loans.) Tj ET Q q 0 0 0 rg BT 412.37 598.10 Td (These amounts were mostly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (unchanged when compared to $43 billion of total corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (credit exposure and $29 billion of direct outstanding funded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (loans to banks, broker) Tj ET Q q 0 0 0 rg BT 405.12 562.10 Td (-dealers and finance companies as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (September 30, 2015.) Tj ET Q q 0 0 0 rg BT 401.71 550.10 Td (Also as of December 31, 2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (approximately 84% of Citi) Tj ET Q q 0 0 0 rg BT 426.70 538.10 Td (s bank, broker) Tj ET Q q 0 0 0 rg BT 483.43 538.10 Td (-dealers and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 Td (finance companies total corporate credit exposure was rated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 514.10 Td (investment grade.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 502.10 Td (Included in the amounts noted above, Citi) Tj ET Q q 0 0 0 rg BT 505.24 502.10 Td (s total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (corporate credit exposure to banks was approximately $26 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (billion as of December 31, 2015 and was not concentrated in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 466.10 Td (any particular geographic region. Of this exposure, more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 454.10 Td (than 70% had a tenor of less than 12 months. ) Tj ET Q q 0 0 0 rg BT 498.91 454.10 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (December 31, 2015, Citi) Tj ET Q q 0 0 0 rg BT 418.37 442.10 Td (s direct outstanding funded loans to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (banks was $21 billion, or 3% of Citi) Tj ET Q q 0 0 0 rg BT 464.77 430.10 Td (s total outstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.10 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 406.10 Td (In addition to the corporate lending exposures described ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (above, Citi has additional exposure to banks, broker) Tj ET Q q 0 0 0 rg BT 524.81 394.10 Td (-dealers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (and finance companies in the form of derivatives and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 Td (securities financing transactions, which are typically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 Td (executed as repurchase and reverse repurchase agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (or securities loaned or borrowed arrangements. ) Tj ET Q q 0 0 0 rg BT 509.71 346.10 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 Td (December 31, 2015, Citi had net derivative credit exposure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 Td (to banks, broker dealers and finance companies of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 310.10 Td (approximately $5 billion after the application of netting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (arrangements, legally enforceable mar) Tj ET Q q 0 0 0 rg BT 470.07 298.10 Td (gin agreements and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (other collateral arrangements.) Tj ET Q q 0 0 0 rg BT 438.43 286.10 Td (The collateral considered as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (part of the net derivative credit exposure was represented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.10 Td (primarily by high quality) Tj ET Q q 0 0 0 rg BT 416.61 262.10 Td (, liquid assets.) Tj ET Q q 0 0 0 rg BT 475.23 262.10 Td (As of December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 Td (2015, Citi had net credit exposure to banks, broker) Tj ET Q q 0 0 0 rg BT 519.53 250.10 Td (-dealers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 238.10 Td (and finance companies in the form of securities financing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.10 Td (transactions of $7 billion after the application of netting and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 Td (collateral arrangements.) Tj ET Q q 0 0 0 rg BT 415.38 214.10 Td (The collateral considered in the net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.10 Td (exposure for the securities financing transactions exposure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.10 Td (was primarily cash and highly liquid investment grade ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 178.10 Td (securities.) Tj ET Q endstream endobj 163 0 obj <> endobj 164 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (79) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Credit Risk Mitigation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (As part of its overall risk management activities, Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (uses credit derivatives and other risk mitigants to hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (portions of the credit risk in its corporate credit portfolio, in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (addition to outright asset sales. ) Tj ET Q q 0 0 0 rg BT 161.91 694.25 Td (The results of the mark-to-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (market and any realized gains or losses on credit derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (are reflected primarily in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 138.17 670.25 Td (Other r) Tj ET Q q 0 0 0 rg BT 167.52 670.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.27 670.25 Td ( on the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (Statement of Income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 646.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.50 646.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.08 646.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.08 646.25 Td (September30, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.35 646.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.25 Td (December31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.58 634.25 Td (, $34.5 billion, $33.0 billion and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.25 Td ($27.6billion, respectively) Tj ET Q q 0 0 0 rg BT 139.77 622.25 Td (, of the corporate credit portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 Td (was economically hedged. Citigroup) Tj ET Q q 0 0 0 rg BT 185.41 610.25 Td (s expected loss model ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.25 Td (used in the calculation of its loan loss reserve does not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.25 Td (include the favorable impact of credit derivatives and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.25 Td (mitigants that are marked to market. In addition, the reported ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.25 Td (amounts of direct outstandings and unfunded lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.25 Td (commitments in the tables above do not reflect the impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.25 Td (these hedging transactions. ) Tj ET Q q 0 0 0 rg BT 146.35 538.25 Td (The credit protection was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.25 Td (economically hedging underlying corporate credit portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.25 Td (exposures with the following risk rating distribution:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 490.25 Td (Rating of Hedged Exposur) Tj ET Q q 0 0 0 rg BT 149.44 490.25 Td (e) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 456.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 105.50 456.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 456.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 456.75 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 428.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 105.50 428.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 428.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 428.75 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 400.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 105.50 400.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 400.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 400.75 57.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 456.75 m 105.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 105.5 456.75 m 168.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 456.75 m 228.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 456.75 m 285.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 400.75 m 105.5 400.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 386.75 m 105.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 105.5 400.75 m 168.5 400.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 105.5 386.75 m 168.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 400.75 m 228.5 400.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 386.75 m 228.5 386.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 400.75 m 285.5 400.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 386.75 m 285.5 386.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.30 470.20 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 127.50 461.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 172.00 470.21 Td (September 30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 189.00 461.21 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 231.25 470.21 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 247.50 461.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 447.21 Td (AAA/AA/A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 150.00 447.20 Td (21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 159.00 447.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 211.50 447.21 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.50 447.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.50 447.21 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.50 447.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 433.21 Td (BBB) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 150.00 433.20 Td (48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 211.50 433.21 Td (44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.50 433.21 Td (42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 419.21 Td (BB/B) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 150.00 419.20 Td (27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 211.50 419.21 Td (28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.50 419.21 Td (28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 405.21 Td (CCC or below) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 154.50 405.20 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 216.00 405.21 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 405.21 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 391.20 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 145.50 391.20 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 159.00 391.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.00 391.21 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.50 391.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.00 391.21 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.50 391.21 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 363.25 Td (The credit protection was economically hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 351.25 Td (underlying corporate credit portfolio exposures with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 339.25 Td (following industry distribution:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 315.25 Td (Industry of Hedged Exposur) Tj ET Q q 0 0 0 rg BT 157.79 315.25 Td (e) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 272.75 76.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 112.50 272.75 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 272.75 56.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 272.75 56.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 226.75 76.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 112.50 226.75 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 226.75 56.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 226.75 56.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 187.75 76.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 112.50 187.75 57.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 187.75 56.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 187.75 56.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 141.75 76.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 112.50 141.75 57.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 141.75 56.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 141.75 56.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 86.75 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 112.50 86.75 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 86.75 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 86.75 56.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 272.75 m 112.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 112.5 272.75 m 169.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 272.75 m 225.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 272.75 m 281.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 272.75 m 112.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 112.5 272.75 m 169.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 272.75 m 225.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 272.75 m 281.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 72.75 m 112.5 72.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 72.75 m 225.5 72.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 58.75 m 112.5 58.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 112.5 72.75 m 169.5 72.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 112.5 58.75 m 169.5 58.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 72.75 m 225.5 72.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 58.75 m 225.5 58.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 72.75 m 281.5 72.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 58.75 m 281.5 58.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 121.05 295.20 Td (December) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 134.85 286.20 Td (31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.50 277.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.75 295.21 Td (September) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 191.35 286.21 Td (30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 188.00 277.21 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.50 295.21 Td (December) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 247.35 286.21 Td (31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 277.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 263.21 Td (Transportation and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 254.21 Td (industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 151.00 254.20 Td (28) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 160.00 254.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 208.50 254.21 Td (28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.50 254.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.50 254.21 Td (30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 254.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 240.21 Td (Consumer retail) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 231.21 Td (and health) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 151.00 231.20 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 208.50 231.21 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.50 231.21 Td (11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 217.21 Td (Technology, media) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 208.21 Td (and telecom) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 151.00 208.20 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 208.50 208.21 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.50 208.21 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 192.21 Td (Energy) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 151.00 192.20 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 208.50 192.21 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.50 192.21 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 178.21 Td (Power, chemicals,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 169.21 Td (commodities and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 160.21 Td (metals and mining) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 151.00 160.20 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 208.50 160.21 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.50 160.21 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 146.21 Td (Public sector) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.50 146.20 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.00 146.21 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.00 146.21 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 132.21 Td (Insurance and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 123.21 Td (special purpose) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 114.21 Td (entities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.50 114.20 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.00 114.21 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.00 114.21 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 100.21 Td (Banks/broker-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 91.21 Td (dealers) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.50 91.20 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.00 91.21 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.00 91.21 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 77.21 Td (Other industries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.50 77.20 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.00 77.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.00 77.21 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 63.20 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 146.50 63.20 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 160.00 63.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 204.00 63.21 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.50 63.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.00 63.21 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 63.21 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 742.25 Td (Loan Maturities and Fixed/V) Tj ET Q q 0 0 0 rg BT 440.81 742.25 Td (ariable Pricing Corporate) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 730.25 Td (Loans) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 669.75 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 669.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 669.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 669.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 669.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 641.75 83.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 641.75 40.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 641.75 40.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 641.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 641.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 604.75 83.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 604.75 40.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 604.75 40.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 604.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 604.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 567.75 83.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 567.75 40.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 567.75 40.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 567.75 42.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 567.75 42.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 512.75 83.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 512.75 40.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 512.75 40.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 512.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 512.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 439.75 83.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 439.75 40.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 439.75 40.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 439.75 42.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 439.75 42.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 387.75 83.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 387.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 387.75 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 387.75 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 387.75 42.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 669.75 m 398.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 669.75 m 438.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 669.75 m 478.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 669.75 m 520.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 669.75 m 562.5 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 512.75 m 398.5 512.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 489.75 m 398.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 512.75 m 438.5 512.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 489.75 m 438.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 512.75 m 478.5 512.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 489.75 m 478.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 512.75 m 520.5 512.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 489.75 m 520.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 512.75 m 562.5 512.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 489.75 m 562.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 387.75 m 398.5 387.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 372.75 m 398.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 387.75 m 438.5 387.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 372.75 m 438.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 387.75 m 478.5 387.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 372.75 m 478.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 387.75 m 520.5 387.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 372.75 m 520.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 387.75 m 562.5 387.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 372.75 m 562.5 372.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 318.00 682.00 Td (In millions of dollars at) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 318.00 674.00 Td (December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.25 692.20 Td (Due) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.70 683.20 Td (within) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.20 674.20 Td (1 year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.95 710.20 Td (Over) Tj ET Q q 0 0 0 rg BT 464.28 710.20 Td ( 1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.55 701.20 Td (year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.45 692.20 Td (but) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.70 683.20 Td (within) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.35 674.20 Td (5 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.95 683.20 Td (Over) Tj ET Q q 0 0 0 rg BT 505.28 683.20 Td ( 5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.75 674.20 Td (years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 531.15 674.20 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 660.20 Td (Corporate loan) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 646.20 Td (In U.S. offices) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 632.21 Td (Commercial and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 623.21 Td (industrial loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.00 623.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.25 623.20 Td (19,921) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 623.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 623.20 Td (13,522) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 623.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 623.20 Td (7,704) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 623.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 623.20 Td (41,147) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 609.21 Td (Financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.25 609.20 Td (17,620) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 609.20 Td (11,961) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 609.20 Td (6,815) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 609.20 Td (36,396) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 595.21 Td (Mortgage and real) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 586.21 Td (estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.25 586.20 Td (18,187) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 586.20 Td (12,345) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 586.20 Td (7,033) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 586.20 Td (37,565) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 572.21 Td (Lease financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.50 572.20 Td (862) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.50 572.20 Td (585) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.50 572.20 Td (333) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.75 572.20 Td (1,780) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 558.21 Td (Installment,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 549.21 Td (revolving credit,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 540.21 Td (other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.25 540.20 Td (16,157) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 540.20 Td (10,968) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 540.20 Td (6,249) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 540.20 Td (33,374) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 526.20 Td (In offices outside) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 517.20 Td (the U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.25 517.20 Td (90,365) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 517.20 Td (34,440) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.25 517.20 Td (13,427) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 517.20 Td (138,232) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 503.20 Td (Total corporate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 494.20 Td (loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.00 494.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.75 494.20 Td (163,112) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 494.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 494.20 Td (83,821) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 494.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.25 494.20 Td (41,561) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 494.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 494.20 Td (288,494) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 480.20 Td (Fixed/variable) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 471.20 Td (pricing of corporate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 462.20 Td (loans with) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 453.20 Td (maturities due after) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 444.20 Td (one year) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 350.74 448.28 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 431.01 Td (Loans at fixed) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 422.01 Td (interest rates) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 423.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 423.20 Td (9,858) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 423.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.25 423.20 Td (11,192) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 410.01 Td (Loans at floating or) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 401.01 Td (adjustable interest) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 392.01 Td (rates) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 392.20 Td (73,963) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.25 392.20 Td (30,369) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 377.20 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 377.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 377.20 Td (83,821) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 377.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.25 377.20 Td (41,561) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.00 354.05 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 335.00 354.05 Td (Based on contractual terms. Repricing characteristics may ef) Tj ET Q q 0 0 0 rg BT 529.00 354.05 Td (fectively) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.00 344.45 Td ( ) Tj ET Q q 0 0 0 rg BT 335.00 344.45 Td (be modified from time to time using derivative contracts. See Note 23) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.00 334.85 Td ( ) Tj ET Q q 0 0 0 rg BT 335.00 334.85 Td (to the Consolidated Financial Statements.) Tj ET Q endstream endobj 165 0 obj <> endobj 166 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (80) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (ADDITIONAL) Tj ET Q q 0 0 0 rg BT 100.46 749.25 Td ( CONSUMER ) Tj ET Q q 0 0 0 rg BT 163.24 749.25 Td (AND CORPORA) Tj ET Q q 0 0 0 rg BT 237.22 749.25 Td (TE CREDIT) Tj ET Q q 0 0 0 rg BT 291.77 749.25 Td ( DET) Tj ET Q q 0 0 0 rg BT 314.09 749.25 Td (AILS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (Loans Outstanding) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 678.75 228.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 678.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 678.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 678.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 678.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 678.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 654.75 228.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 654.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 654.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 654.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 654.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 654.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 630.75 228.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 630.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 630.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 630.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 630.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 630.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 606.75 228.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 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/GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 462.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 438.75 228.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 438.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 438.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 438.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 438.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 438.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 414.75 228.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 414.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 414.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 414.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 414.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 414.75 62.00 -12.00 re f /GS0 gs 0.8 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0.9333333333333333 1 rg /GS0 gs 264.50 342.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 342.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 342.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 342.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 342.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 318.75 228.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 318.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 318.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 318.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 318.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 318.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 294.75 228.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 294.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 294.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 294.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 294.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 294.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 270.75 228.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 270.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 270.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 270.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 270.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 270.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 246.75 228.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 246.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 246.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 246.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 246.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 246.75 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 222.75 228.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 222.75 62.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 222.75 62.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 222.75 62.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 222.75 62.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 222.75 62.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 179.75 228.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 179.75 62.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 179.75 62.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 179.75 62.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 179.75 62.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 179.75 62.00 -22.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 702.75 m 264.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 702.75 m 326.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 702.75 m 388.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 702.75 m 450.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 702.75 m 512.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 702.75 m 574.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 690.75 m 264.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 690.75 m 326.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 690.75 m 388.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 690.75 m 450.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 702.75 m 512.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 690.75 m 512.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 702.75 m 574.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 690.75 m 574.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 606.75 m 264.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 606.75 m 326.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 606.75 m 388.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 606.75 m 450.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 606.75 m 512.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 606.75 m 574.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 606.75 m 264.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 594.75 m 264.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 606.75 m 326.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 606.75 m 388.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 594.75 m 388.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 606.75 m 450.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 594.75 m 450.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 606.75 m 512.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 594.75 m 512.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 606.75 m 574.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 594.75 m 574.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 594.75 m 326.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 594.75 m 388.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 594.75 m 450.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 594.75 m 512.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 594.75 m 574.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 522.75 m 326.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 522.75 m 264.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 510.75 m 264.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 522.75 m 326.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 522.75 m 388.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 510.75 m 388.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 522.75 m 450.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 510.75 m 450.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 522.75 m 512.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 510.75 m 512.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 522.75 m 574.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 510.75 m 574.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 510.75 m 326.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 510.75 m 388.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 510.75 m 450.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 510.75 m 512.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 510.75 m 574.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 486.75 m 264.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 474.75 m 264.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 486.75 m 326.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 474.75 m 326.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 486.75 m 388.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 474.75 m 388.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 486.75 m 450.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 474.75 m 450.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 486.75 m 512.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 474.75 m 512.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 486.75 m 574.5 486.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 474.75 m 574.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 474.75 m 326.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 474.75 m 388.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 474.75 m 450.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 474.75 m 512.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 474.75 m 574.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 390.75 m 264.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 378.75 m 264.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 390.75 m 326.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 378.75 m 326.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 390.75 m 388.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 378.75 m 388.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 390.75 m 450.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 378.75 m 450.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 390.75 m 512.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 378.75 m 512.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 390.75 m 574.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 378.75 m 574.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 378.75 m 326.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 378.75 m 388.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 378.75 m 450.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 378.75 m 512.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 378.75 m 574.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 294.75 m 264.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 282.75 m 264.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 294.75 m 326.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 282.75 m 326.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 294.75 m 388.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 282.75 m 388.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 294.75 m 450.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 282.75 m 450.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 294.75 m 512.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 282.75 m 512.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 294.75 m 574.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 282.75 m 574.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 282.75 m 326.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 282.75 m 388.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 282.75 m 450.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 282.75 m 512.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 282.75 m 574.5 282.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 258.75 m 264.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 246.75 m 264.5 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 258.75 m 326.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 258.75 m 388.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 246.75 m 388.5 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 258.75 m 450.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 246.75 m 450.5 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 258.75 m 512.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 246.75 m 512.5 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 258.75 m 574.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 246.75 m 574.5 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 246.75 m 326.5 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 246.75 m 388.5 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 246.75 m 450.5 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 246.75 m 512.5 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 246.75 m 574.5 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 222.75 m 264.5 222.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 201.75 m 264.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 222.75 m 326.5 222.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 201.75 m 326.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 222.75 m 388.5 222.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 201.75 m 388.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 222.75 m 450.5 222.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 201.75 m 450.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 222.75 m 512.5 222.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 201.75 m 512.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 222.75 m 574.5 222.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 201.75 m 574.5 201.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 179.75 m 264.5 179.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 157.75 m 264.5 157.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 179.75 m 326.5 179.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 179.75 m 388.5 179.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 179.75 m 450.5 179.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 179.75 m 512.5 179.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 179.75 m 574.5 179.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 135.75 m 264.5 135.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 157.75 m 326.5 157.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 135.75 m 326.5 135.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 157.75 m 388.5 157.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 135.75 m 388.5 135.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 157.75 m 450.5 157.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 135.75 m 450.5 135.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 157.75 m 512.5 157.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 135.75 m 512.5 135.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 157.75 m 574.5 157.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 135.75 m 574.5 135.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.80 706.15 Td (December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 694.70 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.00 694.15 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.00 694.01 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 694.01 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.00 694.01 Td (2012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.15 694.01 Td (2011) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 682.15 Td (Consumer loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 670.01 Td (In U.S. offices) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 658.01 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 133.71 662.09 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 658.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.25 658.15 Td (80,281) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.00 658.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 658.01 Td (96,533) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 658.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 658.01 Td (108,453) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 658.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 658.01 Td (125,946) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 658.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.25 658.01 Td (139,177) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 646.01 Td (Installment, revolving credit, and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.75 646.15 Td (3,480) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 646.01 Td (14,450) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 646.01 Td (13,398) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 646.01 Td (14,070) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.75 646.01 Td (15,616) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 634.01 Td (Cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.75 634.15 Td (112,800) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.25 634.01 Td (112,982) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 634.01 Td (115,651) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 634.01 Td (111,403) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.25 634.01 Td (117,908) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 622.01 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.75 622.15 Td (6,407) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.25 622.01 Td (5,895) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.25 622.01 Td (6,592) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 622.01 Td (5,344) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.25 622.01 Td (4,766) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 610.01 Td (Lease financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.00 610.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.50 610.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.50 610.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 610.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 610.01 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 598.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.75 598.15 Td (202,968) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.00 598.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.25 598.01 Td (229,860) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 598.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 598.01 Td (244,094) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 598.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 598.01 Td (256,763) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 598.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.25 598.01 Td (277,468) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 586.01 Td (In offices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 574.01 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 133.71 578.09 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 574.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.25 574.15 Td (47,062) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.00 574.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 574.01 Td (54,462) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 574.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 574.01 Td (55,511) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 574.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 574.01 Td (54,709) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 574.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.75 574.01 Td (52,052) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 562.01 Td (Installment, revolving credit, and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.25 562.15 Td (29,480) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 562.01 Td (31,128) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 562.01 Td (33,182) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 562.01 Td (33,958) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.75 562.01 Td (32,673) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 550.01 Td (Cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.25 550.15 Td (27,342) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 550.01 Td (32,032) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 550.01 Td (36,740) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 550.01 Td (40,653) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.75 550.01 Td (38,926) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 538.01 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.25 538.15 Td (21,679) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 538.01 Td (22,561) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 538.01 Td (24,107) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 538.01 Td (22,225) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.75 538.01 Td (21,915) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 526.01 Td (Lease financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.50 526.15 Td (427) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 526.01 Td (609) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 526.01 Td (769) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 526.01 Td (781) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.00 526.01 Td (711) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 514.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.75 514.15 Td (125,990) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.00 514.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.25 514.01 Td (140,792) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 514.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 514.01 Td (150,309) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 514.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 514.01 Td (152,326) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 514.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.25 514.01 Td (146,277) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 502.15 Td (Total consumer loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 502.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.75 502.15 Td (328,958) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.00 502.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.25 502.01 Td (370,652) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 502.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 502.01 Td (394,403) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 502.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 502.01 Td (409,089) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 502.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.25 502.01 Td (423,745) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 490.01 Td (Unearned income) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 102.72 494.09 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.50 490.15 Td (825) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.00 490.01 Td (\(682) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.50 490.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 490.01 Td (\(572) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.50 490.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.00 490.01 Td (\(418) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.50 490.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 490.01 Td (\(405) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 490.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 478.15 Td (Consumer loans, net of unearned income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 478.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.75 478.15 Td (329,783) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.00 478.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.25 478.01 Td (369,970) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 478.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 478.01 Td (393,831) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 478.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 478.01 Td (408,671) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 478.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.25 478.01 Td (423,340) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 466.15 Td (Corporate loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 454.01 Td (In U.S. offices) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 442.01 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 442.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.25 442.15 Td (41,147) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.00 442.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 442.01 Td (35,055) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 442.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 442.01 Td (32,704) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 442.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 442.01 Td (26,985) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 442.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.75 442.01 Td (20,830) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 430.01 Td (Loans to financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.25 430.15 Td (36,396) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 430.01 Td (36,272) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 430.01 Td (25,102) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 430.01 Td (18,159) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.75 430.01 Td (15,113) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 418.01 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 133.71 422.09 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.25 418.15 Td (37,565) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 418.01 Td (32,537) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 418.01 Td (29,425) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 418.01 Td (24,705) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.75 418.01 Td (21,516) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 406.01 Td (Installment, revolving credit, and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.25 406.15 Td (33,374) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 406.01 Td (29,207) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 406.01 Td (34,434) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 406.01 Td (32,446) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.75 406.01 Td (33,182) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 394.01 Td (Lease financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.75 394.15 Td (1,780) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.25 394.01 Td (1,758) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.25 394.01 Td (1,647) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 394.01 Td (1,410) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.25 394.01 Td (1,270) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 382.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.75 382.15 Td (150,262) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.00 382.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.25 382.01 Td (134,829) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 382.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 382.01 Td (123,312) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 382.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 382.01 Td (103,705) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 382.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.75 382.01 Td (91,911) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 370.01 Td (In offices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 358.01 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 358.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.25 358.15 Td (78,420) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.00 358.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 358.01 Td (79,239) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 358.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 358.01 Td (82,663) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 358.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 358.01 Td (82,939) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 358.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.75 358.01 Td (79,764) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 346.01 Td (Loans to financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.25 346.15 Td (28,704) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 346.01 Td (33,269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 346.01 Td (38,372) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 346.01 Td (37,739) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.75 346.01 Td (29,794) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 334.01 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 133.71 338.09 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.75 334.15 Td (5,106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.25 334.01 Td (6,031) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.25 334.01 Td (6,274) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 334.01 Td (6,485) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.25 334.01 Td (6,885) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 322.01 Td (Installment, revolving credit, and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.25 322.15 Td (20,853) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 322.01 Td (19,259) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 322.01 Td (18,714) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 322.01 Td (14,958) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.75 322.01 Td (14,114) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 310.01 Td (Lease financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.50 310.15 Td (238) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 310.01 Td (356) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 310.01 Td (527) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 310.01 Td (605) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.00 310.01 Td (568) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 298.01 Td (Governments and official institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.75 298.15 Td (4,911) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.25 298.01 Td (2,236) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.25 298.01 Td (2,341) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 298.01 Td (1,159) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.25 298.01 Td (1,576) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 286.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.75 286.15 Td (138,232) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.00 286.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.25 286.01 Td (140,390) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 286.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 286.01 Td (148,891) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 286.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 286.01 Td (143,885) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 286.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.25 286.01 Td (132,701) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 274.15 Td (Total corporate loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 274.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.75 274.15 Td (288,494) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.00 274.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.25 274.01 Td (275,219) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 274.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 274.01 Td (272,203) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 274.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 274.01 Td (247,590) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 274.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.25 274.01 Td (224,612) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 262.01 Td (Unearned income) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 102.72 266.09 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.50 262.15 Td (\(660) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.00 262.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.00 262.01 Td (\(554) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.50 262.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 262.01 Td (\(562) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.50 262.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.00 262.01 Td (\(797) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.50 262.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 262.01 Td (\(710) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 262.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 250.15 Td (Corporate loans, net of unearned income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 250.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.75 250.15 Td (287,834) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.00 250.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.25 250.01 Td (274,665) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 250.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 250.01 Td (271,641) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 250.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 250.01 Td (246,793) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 250.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.25 250.01 Td (223,902) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 238.15 Td (Total loansnet of unearned income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 238.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.75 238.15 Td (617,617) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.00 238.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.25 238.01 Td (644,635) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 238.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 238.01 Td (665,472) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 238.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 238.01 Td (655,464) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 238.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.25 238.01 Td (647,242) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 226.01 Td (Allowance for loan losseson drawn exposures) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.25 226.15 Td (\(12,626) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.00 226.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.75 226.01 Td (\(15,994) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.50 226.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 226.01 Td (\(19,648) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.50 226.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 226.01 Td (\(25,455) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.50 226.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 226.01 Td (\(30,115) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 226.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 214.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 214.15 Td (otalloansnetofunearnedincome) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 205.15 Td ( andallowancefor) Tj ET Q q 0 0 0 rg BT 111.83 205.15 Td (cr) Tj ET Q q 0 0 0 rg BT 121.91 205.15 Td (editlosses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 206.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.75 206.20 Td (604,991) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.00 206.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.25 206.21 Td (628,641) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 206.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 206.21 Td (645,824) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 206.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 206.21 Td (630,009) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 206.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.25 206.21 Td (617,127) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 193.15 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 92.57 193.15 Td ( loan losses as a per) Tj ET Q q 0 0 0 rg BT 167.17 193.15 Td (centage of total loans ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 184.15 Td ( net of unearned income) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 133.74 188.23 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.25 184.20 Td (2.06) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.00 184.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.75 184.21 Td (2.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.50 184.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.75 184.21 Td (2.97) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.50 184.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 184.21 Td (3.92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.50 184.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.75 184.21 Td (4.69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 184.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 171.15 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 92.57 171.15 Td ( consumer) Tj ET Q q 0 0 0 rg BT 132.16 171.15 Td ( loan losses as a per) Tj ET Q q 0 0 0 rg BT 206.75 171.15 Td (centage of ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 162.15 Td ( total consumer) Tj ET Q q 0 0 0 rg BT 100.58 162.15 Td ( loansnet of unearned income) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 222.08 166.23 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.25 162.20 Td (3.01) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.00 162.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.75 162.21 Td (3.68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.50 162.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.75 162.21 Td (4.34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.50 162.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 162.21 Td (5.57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.50 162.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.75 162.21 Td (6.45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 162.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 149.15 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 92.57 149.15 Td ( corporate loan losses as a per) Tj ET Q q 0 0 0 rg BT 206.90 149.15 Td (centage of ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 140.15 Td ( total corporate loansnet of unearned income) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 222.23 144.23 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.25 140.20 Td (0.96) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.00 140.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.75 140.21 Td (0.89) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.50 140.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.75 140.21 Td (0.97) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.50 140.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 140.21 Td (1.14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.50 140.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.75 140.21 Td (1.31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.50 140.21 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 118.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 118.65 Td (Loans secured primarily by real estate.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 109.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 109.05 Td (Unearned income on consumer loans primarily represents unamortized origination fees, costs, premiums and discounts. Prior to December 31, 2015, these items ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 99.45 Td (were more than of) Tj ET Q q 0 0 0 rg BT 112.27 99.45 Td (fset by prepaid interest on loans outstanding issued by OneMain Financial. ) Tj ET Q q 0 0 0 rg BT 353.42 99.45 Td (The sale of OneMain Financial was completed on November 16, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 89.85 Td (2015.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 80.25 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 80.25 Td (Unearned income on corporate loans primarily represents interest received in advance but not yet earned on loans originated on a discount basis.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 70.65 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 70.65 Td (All periods exclude loans that are carried at fair value.) Tj ET Q endstream endobj 167 0 obj <> endobj 168 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (81) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Details of Cr) Tj ET Q q 0 0 0 rg BT 90.25 749.25 Td (edit Loss Experience) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 716.75 285.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 716.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 716.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 716.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 716.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.50 716.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 688.75 285.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 688.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 688.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 688.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 688.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.50 688.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 660.75 285.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 660.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 660.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 660.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 660.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.50 660.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 632.75 285.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 632.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 632.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 632.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 632.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.50 632.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 604.75 285.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 604.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 604.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 604.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 604.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.50 604.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 576.75 285.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 576.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 576.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 576.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 576.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.50 576.75 51.00 -14.00 re f /GS0 gs 0.8 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l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 716.75 m 423.5 716.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 702.75 m 423.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 716.75 m 474.5 716.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 702.75 m 474.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 716.75 m 525.5 716.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 702.75 m 525.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 716.75 m 576.5 716.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 702.75 m 576.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 702.75 m 372.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 702.75 m 423.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 702.75 m 474.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 702.75 m 525.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 702.75 m 576.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 660.75 m 321.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 660.75 m 576.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 646.75 m 321.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 660.75 m 372.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 646.75 m 372.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 660.75 m 423.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 660.75 m 474.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 660.75 m 525.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 660.75 m 576.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 646.75 m 576.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 646.75 m 372.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 646.75 m 423.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 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s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 450.75 m 423.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 436.75 m 423.5 436.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 450.75 m 474.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 436.75 m 474.5 436.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 450.75 m 525.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 436.75 m 525.5 436.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 450.75 m 576.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 436.75 m 576.5 436.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 436.75 m 372.5 436.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 436.75 m 423.5 436.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 436.75 m 474.5 436.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 436.75 m 525.5 436.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 436.75 m 576.5 436.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 240.75 m 321.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 240.75 m 372.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 240.75 m 423.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 240.75 m 474.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 240.75 m 525.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 240.75 m 576.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 240.75 m 321.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 226.75 m 321.5 226.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 240.75 m 372.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 226.75 m 372.5 226.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 240.75 m 423.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 226.75 m 423.5 226.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 240.75 m 474.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 226.75 m 474.5 226.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 240.75 m 525.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 226.75 m 525.5 226.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 240.75 m 576.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 226.75 m 576.5 226.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 184.75 m 321.5 184.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 184.75 m 372.5 184.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 184.75 m 423.5 184.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 184.75 m 474.5 184.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 184.75 m 525.5 184.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 184.75 m 576.5 184.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 170.75 m 321.5 170.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 184.75 m 372.5 184.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 170.75 m 372.5 170.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 184.75 m 423.5 184.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 170.75 m 423.5 170.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 184.75 m 474.5 184.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 170.75 m 474.5 170.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 184.75 m 525.5 184.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 170.75 m 525.5 170.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 184.75 m 576.5 184.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 170.75 m 576.5 170.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 156.75 m 321.5 156.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 170.75 m 372.5 170.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 170.75 m 423.5 170.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 170.75 m 474.5 170.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 170.75 m 525.5 170.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 170.75 m 576.5 170.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 142.75 m 321.5 142.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 156.75 m 372.5 156.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 142.75 m 372.5 142.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 156.75 m 423.5 156.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 142.75 m 423.5 142.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 156.75 m 474.5 156.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 142.75 m 474.5 142.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 156.75 m 525.5 156.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 142.75 m 525.5 142.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 156.75 m 576.5 156.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 142.75 m 576.5 142.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 142.75 m 372.5 142.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 142.75 m 423.5 142.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 142.75 m 474.5 142.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 142.75 m 525.5 142.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 142.75 m 576.5 142.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 114.75 m 321.5 114.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 100.75 m 321.5 100.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 114.75 m 372.5 114.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 114.75 m 423.5 114.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 114.75 m 474.5 114.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 100.75 m 474.5 100.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 114.75 m 525.5 114.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 100.75 m 525.5 100.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 114.75 m 576.5 114.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 100.75 m 576.5 100.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 100.75 m 372.5 100.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 100.75 m 423.5 100.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 100.75 m 474.5 100.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 100.75 m 525.5 100.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 100.75 m 576.5 100.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 72.75 m 321.5 72.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 72.75 m 372.5 72.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 72.75 m 423.5 72.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 72.75 m 474.5 72.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 72.75 m 525.5 72.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 72.75 m 576.5 72.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 58.25 m 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 58.25 m 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 58.25 m 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 58.25 m 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 58.25 m 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 58.25 m BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 721.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.50 721.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 721.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 721.21 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.50 721.21 Td (2012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.65 721.21 Td (2011) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 707.20 Td (Allowance for loan losses at beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 707.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.25 707.20 Td (15,994) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 707.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.75 707.21 Td (19,648) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 707.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.75 707.21 Td (25,455) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 707.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.75 707.21 Td (30,115) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 707.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 707.21 Td (40,655) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 693.20 Td (Provision for loan losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 679.21 Td (Consumer) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 679.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 679.20 Td (6,265) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 679.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.25 679.21 Td (6,693) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 679.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 679.21 Td (7,603) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 679.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.75 679.21 Td (10,371) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 679.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 679.21 Td (12,075) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 665.21 Td (Corporate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 665.20 Td (843) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.00 665.21 Td (135) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 665.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 665.21 Td (87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 665.21 Td (\(739) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 665.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 651.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 651.20 Td (7,108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 651.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.25 651.21 Td (6,828) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 651.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 651.21 Td (7,604) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 651.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.75 651.21 Td (10,458) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 651.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 651.21 Td (11,336) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 637.20 Td (Gross credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 623.20 Td (Consumer) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 609.21 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 80.34 609.21 Td (fices) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 97.33 613.29 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 609.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 609.20 Td (5,500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 609.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.25 609.21 Td (6,780) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 609.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 609.21 Td (8,402) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 609.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.75 609.21 Td (12,226) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 609.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 609.21 Td (15,767) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 595.21 Td (In offices outside the U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 595.20 Td (3,210) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.25 595.21 Td (3,901) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 595.21 Td (3,998) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.25 595.21 Td (4,139) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 595.21 Td (4,932) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 581.20 Td (Corporate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 567.21 Td (Commercial and industrial, and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 553.21 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 553.20 Td (112) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.50 553.21 Td (66) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 553.21 Td (125) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 553.21 Td (154) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 553.21 Td (392) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 539.21 Td (In offices outside the U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 539.20 Td (164) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.00 539.21 Td (283) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 539.21 Td (144) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 539.21 Td (305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 539.21 Td (649) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 525.21 Td (Loans to financial institutions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 511.21 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 511.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.00 511.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 511.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 511.21 Td (33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 511.21 Td (215) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 497.21 Td (In offices outside the U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 497.20 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.50 497.21 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 497.21 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 497.21 Td (68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 497.21 Td (391) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 483.21 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 469.21 Td (In U.S offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 469.20 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.00 469.21 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 469.21 Td (62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 469.21 Td (59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 469.21 Td (182) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 455.21 Td (In offices outside the U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 455.20 Td (43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.50 455.21 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 455.21 Td (29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 455.21 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 455.21 Td (171) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 441.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 441.20 Td (9,041) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 441.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.75 441.21 Td (11,108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 441.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.75 441.21 Td (12,769) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 441.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.75 441.21 Td (17,005) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 441.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 441.21 Td (22,699) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 427.20 Td (Cr) Tj ET Q q 0 0 0 rg BT 49.33 427.20 Td (edit r) Tj ET Q q 0 0 0 rg BT 69.91 427.20 Td (ecoveries) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 104.89 431.28 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 413.20 Td (Consumer) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 399.21 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 399.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 399.20 Td (975) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 399.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.25 399.21 Td (1,122) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 399.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 399.21 Td (1,073) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 399.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.25 399.21 Td (1,302) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 399.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 399.21 Td (1,467) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 385.21 Td (In offices outside the U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 385.20 Td (667) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.00 385.21 Td (874) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 385.21 Td (1,065) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.25 385.21 Td (1,055) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 385.21 Td (1,159) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 371.20 Td (Corporate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 357.21 Td (Commercial and industrial, and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 343.21 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 343.20 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.50 343.21 Td (64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 343.21 Td (62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 343.21 Td (243) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 343.21 Td (175) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 329.21 Td (In offices outside the U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 329.20 Td (59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.50 329.21 Td (63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 329.21 Td (52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 329.21 Td (95) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 329.21 Td (93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 315.21 Td (Loans to financial institutions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 301.21 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 301.20 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.00 301.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 301.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 301.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 301.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 287.21 Td (In offices outside the U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 287.20 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.50 287.21 Td (11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 287.21 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 287.21 Td (43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 287.21 Td (89) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 273.21 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 259.21 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 259.20 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.50 259.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 259.21 Td (31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 259.21 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 259.21 Td (27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 245.21 Td (In offices outside the U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 245.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.50 245.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 245.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 245.21 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 245.21 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 231.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 231.20 Td (1,739) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 231.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.25 231.21 Td (2,135) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 231.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 231.21 Td (2,306) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 231.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.25 231.21 Td (2,774) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 231.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 231.21 Td (3,012) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 217.20 Td (Net credit losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 203.21 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 203.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 203.20 Td (4,609) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 203.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.25 203.21 Td (5,669) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 203.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 203.21 Td (7,424) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 203.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.75 203.21 Td (10,910) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 203.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 203.21 Td (14,887) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 189.21 Td (In offices outside the U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 189.20 Td (2,693) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.25 189.21 Td (3,304) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 189.21 Td (3,039) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.25 189.21 Td (3,321) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 189.21 Td (4,800) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 175.20 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 175.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 175.20 Td (7,302) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 175.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.25 175.21 Td (8,973) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 175.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.75 175.21 Td (10,463) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 175.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.75 175.21 Td (14,231) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 175.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 175.21 Td (19,687) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 161.21 Td (Othernet) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 79.49 165.29 Td (\(4\)\(5\)\(6\)\(7\)\(8\)\(9\)\(10\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 161.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.75 161.20 Td (\(3,174) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 161.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 161.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 161.21 Td (\(1,509) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.50 161.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 161.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 443.25 161.21 Td (\(2,948) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.50 161.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 161.21 Td (\(887) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 161.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 161.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 161.21 Td (\(2,189) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 161.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 147.20 Td (Allowance for loan losses at end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 147.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.25 147.20 Td (12,626) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 147.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.75 147.21 Td (15,994) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 147.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.75 147.21 Td (19,648) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 147.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.75 147.21 Td (25,455) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 147.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 147.21 Td (30,115) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 133.21 Td (Allowance for loan losses as a percentage of total loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 238.68 137.29 Td (\(1) Tj ET Q BT /F1 5.85 Tf ET q 0 0 0 rg BT 243.33 137.29 Td (1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.25 133.20 Td (2.06) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 133.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 133.21 Td (2.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.50 133.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.75 133.21 Td (2.97) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.50 133.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.75 133.21 Td (3.92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 133.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 133.21 Td (4.69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 133.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 119.21 Td (Allowance for unfunded lending commitments) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 207.46 123.29 Td (\(10\)\(12\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 119.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 119.20 Td (1,402) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 119.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.25 119.21 Td (1,063) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 119.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 119.21 Td (1,229) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 119.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.25 119.21 Td (1,119) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 119.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 119.21 Td (1,136) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 105.20 Td (Total allowance for loan losses and unfunded lending commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 105.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.25 105.20 Td (14,028) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 105.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.75 105.21 Td (17,057) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 105.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.75 105.21 Td (20,877) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 105.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.75 105.21 Td (26,574) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 105.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 105.21 Td (31,251) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 91.21 Td (Net consumer credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 91.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 91.20 Td (7,068) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 91.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.25 91.21 Td (8,685) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 91.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.75 91.21 Td (10,262) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 91.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.75 91.21 Td (14,008) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 91.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 91.21 Td (18,073) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 77.21 Td (As a percentage of average consumer loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.25 77.20 Td (2.06) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 77.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 77.21 Td (2.28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.50 77.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.75 77.21 Td (2.63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.50 77.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.75 77.21 Td (3.43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 77.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 77.21 Td (4.15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 77.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 63.21 Td (Net corporate credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 63.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 63.20 Td (234) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 63.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.00 63.21 Td (288) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 63.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 63.21 Td (201) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 63.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 63.21 Td (223) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 63.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 63.21 Td (1,614) Tj ET Q endstream endobj 169 0 obj <> endobj 170 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (82) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 740.50 285.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 740.50 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 740.50 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 740.50 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 740.50 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.50 740.50 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 712.50 285.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 712.50 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 712.50 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 712.50 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 712.50 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.50 712.50 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 684.50 285.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 684.50 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 684.50 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 684.50 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 684.50 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.50 684.50 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 656.50 285.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 656.50 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 656.50 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 656.50 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 656.50 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.50 656.50 51.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 755 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 755 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 755 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 755 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 755 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 755 m 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 740.5 m 321.5 740.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 740.5 m 372.5 740.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 740.5 m 423.5 740.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 740.5 m 474.5 740.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 740.5 m 525.5 740.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 740.5 m 576.5 740.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 698.5 m 321.5 698.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 684.5 m 321.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 698.5 m 372.5 698.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 698.5 m 423.5 698.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 698.5 m 474.5 698.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 684.5 m 474.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 698.5 m 525.5 698.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 684.5 m 525.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 698.5 m 576.5 698.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 684.5 m 576.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 684.5 m 372.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 684.5 m 423.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 684.5 m 474.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 684.5 m 525.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 684.5 m 576.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 642.5 m 321.5 642.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 628.5 m 321.5 628.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 642.5 m 372.5 642.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 628.5 m 372.5 628.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 642.5 m 423.5 642.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 628.5 m 423.5 628.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 642.5 m 474.5 642.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 628.5 m 474.5 628.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 642.5 m 525.5 642.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 628.5 m 525.5 628.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 642.5 m 576.5 642.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 628.5 m 576.5 628.5 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 744.96 Td (As a percentage of average corporate loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.25 744.95 Td (0.08) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 744.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 744.96 Td (0.10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.50 744.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.75 744.96 Td (0.08) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.50 744.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.75 744.96 Td (0.09) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 744.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 744.96 Td (0.79) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 744.96 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 730.95 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 92.57 730.95 Td ( loan losses at end of period) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 198.08 735.03 Td (\(13\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 716.96 Td (Citicorp) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 716.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.25 716.95 Td (10,616) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 716.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.75 716.96 Td (11,465) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 716.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.75 716.96 Td (13,174) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 716.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.75 716.96 Td (14,623) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 716.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 716.96 Td (16,699) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 702.96 Td (Citi Holdings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 702.95 Td (2,010) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.25 702.96 Td (4,529) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 702.96 Td (6,474) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.75 702.96 Td (10,832) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 702.96 Td (13,416) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 688.95 Td (Total Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 688.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.25 688.95 Td (12,626) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 688.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.75 688.96 Td (15,994) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 688.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.75 688.96 Td (19,648) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 688.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.75 688.96 Td (25,455) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 688.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 688.96 Td (30,115) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 674.95 Td (Allowance by type) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 660.96 Td (Consumer) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 660.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 660.95 Td (9,916) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 660.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.75 660.96 Td (13,605) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 660.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.75 660.96 Td (17,064) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 660.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.75 660.96 Td (22,679) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 660.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 660.96 Td (27,236) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 646.96 Td (Corporate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 646.95 Td (2,710) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.25 646.96 Td (2,389) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 646.96 Td (2,584) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.25 646.96 Td (2,776) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 646.96 Td (2,879) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 632.95 Td (Total Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 632.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.25 632.95 Td (12,626) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 632.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.75 632.96 Td (15,994) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 632.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.75 632.96 Td (19,648) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 632.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.75 632.96 Td (25,455) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 632.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 632.96 Td (30,115) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 611.40 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 611.40 Td (2012 includes approximately $635 million of incremental char) Tj ET Q q 0 0 0 rg BT 254.02 611.40 Td (ge-of) Tj ET Q q 0 0 0 rg BT 270.76 611.40 Td (fs related to the Of) Tj ET Q q 0 0 0 rg BT 330.59 611.40 Td (fice of the Comptroller of the Currency \(OCC\) guidance issued in the third ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 601.80 Td (quarter of 2012, which required mortgage loans to borrowers that have gone through Chapter 7 U.S. Bankruptcy Code to be written down to collateral value. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 592.25 Td (There was a corresponding approximate $600 million release in the third quarter of 2012 ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 340.13 592.25 Td (Allowance for loan losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.57 592.25 Td ( related to these char) Tj ET Q q 0 0 0 rg BT 488.62 592.25 Td (ge-of) Tj ET Q q 0 0 0 rg BT 505.35 592.25 Td (fs. 2012 also includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 582.60 Td (a benefit to char) Tj ET Q q 0 0 0 rg BT 105.61 582.60 Td (ge-of) Tj ET Q q 0 0 0 rg BT 122.34 582.60 Td (fs of approximately $40 million related to finalizing the impact of the OCC guidance in the fourth quarter of 2012.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 573.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 573.05 Td (2012 includes approximately $370 million of incremental char) Tj ET Q q 0 0 0 rg BT 254.02 573.05 Td (ge-of) Tj ET Q q 0 0 0 rg BT 270.76 573.05 Td (fs related to previously deferred principal balances on modified loans in the first quarter of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 563.45 Td (2012. ) Tj ET Q q 0 0 0 rg BT 73.86 563.45 Td (These char) Tj ET Q q 0 0 0 rg BT 108.58 563.45 Td (ge-of) Tj ET Q q 0 0 0 rg BT 125.31 563.45 Td (fs were related to anticipated for) Tj ET Q q 0 0 0 rg BT 228.89 563.45 Td (giveness of principal in connection with the national mortgage settlement. ) Tj ET Q q 0 0 0 rg BT 467.57 563.45 Td (There was a corresponding ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 553.85 Td (approximate $350 million reserve release in the first quarter of 2012 related to these char) Tj ET Q q 0 0 0 rg BT 338.64 553.85 Td (ge-of) Tj ET Q q 0 0 0 rg BT 355.37 553.85 Td (fs.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 544.25 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 544.25 Td (Recoveries have been reduced by certain collection costs that are incurred only if collection ef) Tj ET Q q 0 0 0 rg BT 355.50 544.25 Td (forts are successful.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 534.60 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 534.60 Td (Includes all adjustments to the allowance for credit losses, such as changes in the allowance from acquisitions, dispositions, securitizations, FX translation, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 525.00 Td (purchase accounting adjustments, etc.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 515.45 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 515.45 Td (2015 includes reductions of approximately) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 190.86 515.45 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 192.86 515.45 Td ($2.4 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 229.75 515.45 Td ( related to the sale or transfer to held-for) Tj ET Q q 0 0 0 rg BT 358.86 515.45 Td (-sale \(HFS\) of various loan portfolios, which includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 505.85 Td (approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 102.21 505.85 Td ($1.5 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 139.10 505.85 Td ( related to the transfer of various real estate loan portfolios to HFS. ) Tj ET Q q 0 0 0 rg BT 355.04 505.85 Td (Additionally) Tj ET Q q 0 0 0 rg BT 394.96 505.85 Td (, 2015 includes a reduction of approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.25 505.85 Td ($474 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 496.25 Td (million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 77.11 496.25 Td ( related to FX translation.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 486.60 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 486.60 Td (2014 includes reductions of approximately $1.1 billion related to the sale or transfer to HFS of various loan portfolios, which includes approximately $41) Tj ET Q q 0 0 0 rg BT 545.15 486.60 Td (1 million ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 477.00 Td (related to the transfer of various real estate loan portfolios to HFS, approximately $204 million related to the transfer to HFS of a business in Greece, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 467.40 Td (approximately $177 million related to the transfer to HFS of a business in Spain, approximately $29 million related to the transfer to HFS of a business in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 457.80 Td (Honduras, and approximately $108 million related to the transfer to HFS of various ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 323.28 457.80 Td (EMEA) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.60 457.80 Td ( loan portfolios. ) Tj ET Q q 0 0 0 rg BT 397.04 457.80 Td (Additionally) Tj ET Q q 0 0 0 rg BT 436.96 457.80 Td (, 2014 includes a reduction of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 448.20 Td (approximately $463 million related to FX translation.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 438.60 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 438.60 Td (2013 includes reductions of approximately $2.4 billion related to the sale or transfer to HFS of various loan portfolios, which includes approximately $360 million ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 429.00 Td (related to the sale of Credicard and approximately $255 million related to a transfer to HFS of a loan portfolio in Greece, approximately $230 million related to a ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 419.40 Td (non-provision transfer of reserves associated with deferred interest to other assets which includes deferred interest and approximately $220 million related to FX ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 409.80 Td (translation.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 400.20 Td (\(8\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 400.20 Td (2012 includes reductions of approximately $875 million related to the sale or transfer to HFS of various U.S. loan portfolios.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 390.60 Td (\(9\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 390.60 Td (201) Tj ET Q q 0 0 0 rg BT 65.70 390.60 Td (1 includes reductions of approximately $1.6 billion related to the sale or transfer to HFS of various U.S. loan portfolios, approximately $240 million related to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 381.00 Td (the sale of the Egg Banking PLC credit card business, approximately $72 million related to the transfer of the Citi Belgium business to held-for) Tj ET Q q 0 0 0 rg BT 512.85 381.00 Td (-sale and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 371.40 Td (approximately $290 million related to FX translation.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 361.80 Td (\(10\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 361.80 Td (2015 includes a reclassification of $271 million of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 217.07 361.80 Td (Allowance for loan losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.52 361.80 Td ( to allowance for unfunded lending commitments, included in the Other line item. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 352.20 Td (This reclassification reflects the re-attribution of $271 million in allowance for credit losses between the funded and unfunded portions of the corporate credit ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 342.60 Td (portfolios and does not reflect a change in the underlying credit performance of these portfolios.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 333.00 Td (\(1) Tj ET Q q 0 0 0 rg BT 42.37 333.00 Td (1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 333.00 Td (December 31, 2015, December31, 2014, December 31, 2013, December31, 2012 and December 31, 201) Tj ET Q q 0 0 0 rg BT 391.59 333.00 Td (1 exclude $5.0 billion, $5.9 billion, $5.0 billion, $5.3 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 323.40 Td (billion and $5.3 billion, respectively) Tj ET Q q 0 0 0 rg BT 169.46 323.40 Td (, of loans which are carried at fair value.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 313.80 Td (\(12\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 313.80 Td (Represents additional credit reserves recorded as ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 212.16 313.80 Td (Other liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.04 313.80 Td ( on the Consolidated Balance Sheet.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 304.20 Td (\(13\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 304.20 Td (Allowance for loan losses represents management) Tj ET Q q 0 0 0 rg BT 216.39 304.20 Td (s best estimate of probable losses inherent in the portfolio, as well as probable losses related to lar) Tj ET Q q 0 0 0 rg BT 529.50 304.20 Td (ge ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 294.60 Td (individually evaluated impaired loans and troubled debt restructurings. See Significant ) Tj ET Q q 0 0 0 rg BT 336.37 294.60 Td (Accounting Policies and Significant Estimates and Note 1 to the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 285.00 Td (Consolidated Financial Statements below) Tj ET Q q 0 0 0 rg BT 186.13 285.00 Td (. ) Tj ET Q q 0 0 0 rg BT 189.68 285.00 Td (Attribution of the allowance is made for analytical purposes only and the entire allowance is available to absorb ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 275.40 Td (probable credit losses inherent in the overall portfolio.) Tj ET Q endstream endobj 171 0 obj <> endobj 172 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (83) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 95.53 749.25 Td ( Loan Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (The following tables detail information on Citi) Tj ET Q q 0 0 0 rg BT 225.97 737.25 Td (s allowance for loan losses, loans and coverage ratios:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 689.75 305.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 689.75 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 689.75 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 689.75 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 663.75 305.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 663.75 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 663.75 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 663.75 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 637.75 305.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 637.75 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 637.75 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 637.75 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 611.75 305.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 611.75 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 611.75 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 611.75 96.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 712.75 m 341.5 712.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 712.75 m 404.5 712.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 712.75 m 480.5 712.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 712.75 m 576.5 712.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 689.75 m 341.5 689.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 689.75 m 404.5 689.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 689.75 m 480.5 689.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 689.75 m 576.5 689.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 689.75 m 576.5 689.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 624.75 m 341.5 624.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 624.75 m 404.5 624.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 624.75 m 480.5 624.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 624.75 m 576.5 624.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 624.75 m 404.5 624.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 624.75 m 480.5 624.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 624.75 m 576.5 624.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 598.75 m 341.5 598.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 585.75 m 341.5 585.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 598.75 m 404.5 598.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 585.75 m 404.5 585.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 598.75 m 480.5 598.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 585.75 m 480.5 585.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 598.75 m 576.5 598.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 585.75 m 576.5 585.75 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 39.00 717.43 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.20 717.20 Td (December 31, 2015) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 694.00 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 345.70 703.20 Td (Allowance for) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.35 694.20 Td (loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.10 703.20 Td (Loans, net of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.85 694.20 Td (unearned income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 703.20 Td (Allowance as a) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.65 694.20 Td (per) Tj ET Q q 0 0 0 rg BT 500.48 694.20 Td (centage of loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 561.47 698.28 Td (\(1\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 681.00 Td (North ) Tj ET Q q 0 0 0 rg BT 62.09 681.00 Td (America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 92.58 681.00 Td ( cards) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 113.82 685.08 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.00 681.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.75 681.15 Td (4.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 681.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.75 681.15 Td (113.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.75 681.15 Td (4.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 681.15 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 668.00 Td (North ) Tj ET Q q 0 0 0 rg BT 62.09 668.00 Td (America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 92.58 668.00 Td ( mortgages) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 132.32 672.08 Td (\(3\)\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.75 668.15 Td (1.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.25 668.15 Td (79.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.75 668.15 Td (2.1) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 655.00 Td (North ) Tj ET Q q 0 0 0 rg BT 62.09 655.00 Td (America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 92.58 655.00 Td ( other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.75 655.15 Td (0.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.25 655.15 Td (12.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.75 655.15 Td (4.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 642.01 Td (International cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.75 642.15 Td (1.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.25 642.15 Td (26.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.75 642.15 Td (6.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 629.01 Td (International other) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 105.72 633.09 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.75 629.15 Td (1.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.25 629.15 Td (97.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.75 629.15 Td (1.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 616.15 Td (Total consumer) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.00 616.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.75 616.15 Td (9.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 616.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.75 616.15 Td (329.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.75 616.15 Td (3.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 616.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 603.15 Td (Total corporate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.75 603.15 Td (2.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.75 603.15 Td (287.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.75 603.15 Td (1.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 590.15 Td (Total Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.00 590.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.25 590.15 Td (12.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 590.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.75 590.15 Td (617.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.75 590.15 Td (2.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 590.15 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 568.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 568.65 Td (Allowance as a percentage of loans excludes loans that are carried at fair value.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 559.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 559.05 Td (Includes both Citi-branded cards and Citi retail services. ) Tj ET Q q 0 0 0 rg BT 236.25 559.05 Td (The ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 250.68 559.05 Td ($4.5 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 287.57 559.05 Td ( of loan loss reserves represented approximately 15months of coincident net credit loss ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 549.45 Td (coverage.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 539.85 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 539.85 Td (Of the $1.7 billion, approximately $1.6 billion was allocated to ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 257.74 539.85 Td (North ) Tj ET Q q 0 0 0 rg BT 278.27 539.85 Td (America) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 305.37 539.85 Td ( mortgages in Citi Holdings. ) Tj ET Q q 0 0 0 rg BT 398.11 539.85 Td (The $1.7 billionof loan loss reserves represented ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 530.25 Td (approximately 97 months of coincident net credit loss coverage \(for both total ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 305.48 530.25 Td (North ) Tj ET Q q 0 0 0 rg BT 326.01 530.25 Td (America) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.11 530.25 Td ( mortgages and Citi Holdings ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 449.33 530.25 Td (North ) Tj ET Q q 0 0 0 rg BT 469.86 530.25 Td (America) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 496.96 530.25 Td ( mortgages\), excluding ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 520.65 Td (the HFS portfolios. ) Tj ET Q q 0 0 0 rg BT 117.41 520.65 Td (The increased months of coverage from December 31, 2014 was primarily due to the high percentage of troubled debt restructuring \(TDR\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 511.05 Td (loans and related ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 110.20 511.05 Td (Allowance for loan losses, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 196.64 511.05 Td (as well as the transfer of certain consumer mortgages and related ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 406.11 511.05 Td (Allowance for loan losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 488.55 511.05 Td ( to HFS during the fourth ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 501.45 Td (quarter of 2015.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 491.85 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 491.85 Td (Of the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 76.21 491.85 Td ($1.7 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 113.11 491.85 Td ( in loan loss reserves, approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 231.96 491.85 Td ($0.6 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 268.86 491.85 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.41 491.85 Td ($1.1 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 321.30 491.85 Td ( are determined in accordance with ) Tj ET Q q 0 0 0 rg BT 435.02 491.85 Td (ASC 450-20 and ) Tj ET Q q 0 0 0 rg BT 490.36 491.85 Td (ASC 310-10-35 \(troubled ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 482.25 Td (debt restructurings\), respectively) Tj ET Q q 0 0 0 rg BT 158.55 482.25 Td (. Of the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 184.77 482.25 Td ($79.6 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 225.66 482.25 Td ( in loans, approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.98 482.25 Td ($72.3 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 345.87 482.25 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.42 482.25 Td ($7.1 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 398.31 482.25 Td ( of the loans are evaluated in accordance with ) Tj ET Q q 0 0 0 rg BT 546.02 482.25 Td (ASC ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 472.65 Td (450-20 and ) Tj ET Q q 0 0 0 rg BT 91.77 472.65 Td (ASC 310-10-35 \(troubled debt restructurings\), respectively) Tj ET Q q 0 0 0 rg BT 280.54 472.65 Td (. For additional information, see Note ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 403.18 472.65 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.18 472.65 Td ( to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 463.05 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 463.05 Td (Includes mortgages and other retail loans.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 405.55 305.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 405.55 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 405.55 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 405.55 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 379.55 305.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 379.55 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 379.55 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 379.55 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 353.55 305.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 353.55 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 353.55 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 353.55 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 327.55 305.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 327.55 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 327.55 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 327.55 96.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 426.55 m 341.5 426.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 426.55 m 404.5 426.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 426.55 m 480.5 426.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 426.55 m 576.5 426.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 405.55 m 341.5 405.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 405.55 m 404.5 405.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 405.55 m 480.5 405.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 426.55 m 576.5 426.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 405.55 m 576.5 405.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 405.55 m 341.5 405.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 405.55 m 576.5 405.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 340.55 m 341.5 340.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 340.55 m 576.5 340.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 340.55 m 404.5 340.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 340.55 m 480.5 340.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 340.55 m 576.5 340.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 314.55 m 341.5 314.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 314.55 m 576.5 314.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 301.55 m 341.5 301.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 314.55 m 404.5 314.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 301.55 m 404.5 301.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 314.55 m 480.5 314.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 301.55 m 480.5 301.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 314.55 m 576.5 314.55 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 301.55 m 576.5 301.55 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 39.00 431.23 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.10 431.01 Td (December 31, 2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 409.80 Td (In billions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.60 417.81 Td (Allowance for) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.85 408.81 Td (loan losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.35 417.81 Td (Loans, net of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.10 408.81 Td (unearned income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.50 417.81 Td (Allowance as a) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.60 408.81 Td (percentage of loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 559.57 412.89 Td (\(1\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 396.80 Td (North ) Tj ET Q q 0 0 0 rg BT 62.09 396.80 Td (America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 92.58 396.80 Td ( cards) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 113.82 400.88 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 396.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 396.81 Td (4.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.00 396.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 396.81 Td (114.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 396.81 Td (4.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 396.81 Td (%) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 383.80 Td (North ) Tj ET Q q 0 0 0 rg BT 62.09 383.80 Td (America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 92.58 383.80 Td ( mortgages) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 132.32 387.88 Td (\(3\)\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 383.81 Td (3.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 383.81 Td (95.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 383.81 Td (3.9) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 370.80 Td (North ) Tj ET Q q 0 0 0 rg BT 62.09 370.80 Td (America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 92.58 370.80 Td ( other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 370.81 Td (1.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 370.81 Td (21.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 370.81 Td (5.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 357.81 Td (International cards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 357.81 Td (1.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 357.81 Td (31.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 357.81 Td (6.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 344.81 Td (International other) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 105.72 348.89 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 344.81 Td (1.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 344.81 Td (106.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 344.81 Td (1.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 331.95 Td (Total consumer) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 331.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.25 331.81 Td (13.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.00 331.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 331.81 Td (369.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 331.81 Td (3.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 331.81 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 318.95 Td (Total corporate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 318.81 Td (2.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 318.81 Td (274.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 318.81 Td (0.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 305.95 Td (Total Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 305.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.25 305.81 Td (16.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.00 305.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 305.81 Td (644.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 305.81 Td (2.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 305.81 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 284.45 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 284.45 Td (Allowance as a percentage of loans excludes loans that are carried at fair value.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 274.85 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 274.85 Td (Includes both Citi-branded cards and Citi retail services. ) Tj ET Q q 0 0 0 rg BT 236.25 274.85 Td (The $4.9billion of loan loss reserves represented approximately 15months of coincident net credit loss ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 265.25 Td (coverage.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 255.65 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 255.65 Td (Of the $3.7billion, approximately $3.5billion was allocated to ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 257.74 255.65 Td (North ) Tj ET Q q 0 0 0 rg BT 278.27 255.65 Td (America) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 305.37 255.65 Td ( mortgages in Citi Holdings. ) Tj ET Q q 0 0 0 rg BT 398.11 255.65 Td (The $3.7billion of loan loss reserves represented ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 246.05 Td (approximately 53months of coincident net credit loss coverage \(for both total ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 305.48 246.05 Td (North ) Tj ET Q q 0 0 0 rg BT 326.01 246.05 Td (America) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.11 246.05 Td ( mortgages and Citi Holdings) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 447.33 246.05 Td ( North ) Tj ET Q q 0 0 0 rg BT 469.86 246.05 Td (America) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 496.96 246.05 Td ( mortgages\).) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 236.45 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 236.45 Td (Of the $3.7 billion in loan loss reserves, approximately $1.2 billion and $2.5 billion are determined in accordance with ) Tj ET Q q 0 0 0 rg BT 435.02 236.45 Td (ASC 450-20 and ) Tj ET Q q 0 0 0 rg BT 490.36 236.45 Td (ASC 310-10-35 \(troubled ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 226.85 Td (debt restructurings\), respectively) Tj ET Q q 0 0 0 rg BT 158.55 226.85 Td (. Of the $95.9 billion in loans, approximately $80.4 billion and $15.2 billion of the loans are evaluated in accordance with ) Tj ET Q q 0 0 0 rg BT 550.02 226.85 Td (ASC ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 217.25 Td (450-20 and ) Tj ET Q q 0 0 0 rg BT 91.77 217.25 Td (ASC 310-10-35 \(troubled debt restructurings\), respectively) Tj ET Q q 0 0 0 rg BT 280.54 217.25 Td (. For additional information, see Note ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 403.18 217.25 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.18 217.25 Td ( to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 207.65 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 207.65 Td (Includes mortgages and other retail loans.) Tj ET Q endstream endobj 173 0 obj <> endobj 174 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (84) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Non-Accrual Loans and ) Tj ET Q q 0 0 0 rg BT 140.18 749.25 Td (Assets and Renegotiated Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (There is a certain amount of overlap among non-accrual loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (and assets and renegotiated loans. ) Tj ET Q q 0 0 0 rg BT 173.55 725.25 Td (The following summary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (provides a general description of each category:) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (Non-Accrual Loans and ) Tj ET Q q 0 0 0 rg BT 134.43 689.25 Td (Assets:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 672.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 672.25 Td (Corporate and consumer \(commercial market\) non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 660.25 Td (accrual status is based on the determination that payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 648.25 Td (of interest or principal is doubtful.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 636.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 636.25 Td (A) Tj ET Q q 0 0 0 rg BT 60.67 636.25 Td ( corporate loan may be classified as non-accrual and still ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 624.25 Td (be performing under the terms of the loan structure. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 612.25 Td (Payments received on corporate non-accrual loans are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 600.25 Td (generally applied to loan principal and not reflected as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 588.25 Td (interest income. ) Tj ET Q q 0 0 0 rg BT 122.32 588.25 Td (Approximately 45% and 40% of Citi) Tj ET Q q 0 0 0 rg BT 272.57 588.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 576.25 Td (corporate non-accrual loans were performing at December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 564.25 Td (31, 2015 and September 30, 2015, respectively) Tj ET Q q 0 0 0 rg BT 241.36 564.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 552.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 552.25 Td (Consumer non-accrual status is generally based on aging, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 540.25 Td (i.e.,the borrower has fallen behind on payments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 528.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 528.25 Td (Mortgage loans in regulated bank entities dischar) Tj ET Q q 0 0 0 rg BT 250.98 528.25 Td (ged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 516.25 Td (through Chapter 7 bankruptcy) Tj ET Q q 0 0 0 rg BT 173.60 516.25 Td (, other than FHA) Tj ET Q q 0 0 0 rg BT 240.82 516.25 Td ( insured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 504.25 Td (loans, are classified as non-accrual. Non-bank mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 492.25 Td (loans dischar) Tj ET Q q 0 0 0 rg BT 106.30 492.25 Td (ged through Chapter 7 bankruptcy are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 480.25 Td (classified as non-accrual at 90 days or more past due. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 468.25 Td (addition, home equity loans in regulated bank entities are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 456.25 Td (classified as non-accrual if the related residential first ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 444.25 Td (mortgage loan is 90days or more past due.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 432.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 432.25 Td (North ) Tj ET Q q 0 0 0 rg BT 79.66 432.25 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.54 432.25 Td ( Citi-branded cards and Citi retail services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 420.25 Td (are not included because, under industry standards, credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 408.25 Td (card loans accrue interest until such loans are char) Tj ET Q q 0 0 0 rg BT 254.84 408.25 Td (ged of) Tj ET Q q 0 0 0 rg BT 279.93 408.25 Td (f, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 396.25 Td (which typically occurs at 180days contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 384.25 Td (delinquency) Tj ET Q q 0 0 0 rg BT 102.22 384.25 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 362.25 Td (Renegotiated Loans:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 345.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 345.25 Td (Includes both corporate and consumer loans whose terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 333.25 Td (have been modified in a troubled debt restructuring ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 321.25 Td (\(TDR\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 309.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 309.25 Td (Includes both accrual and non-accrual ) Tj ET Q q 0 0 0 rg BT 208.47 309.25 Td (TDRs.) Tj ET Q endstream endobj 175 0 obj <> endobj 176 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (85) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Non-Accrual Loans and ) Tj ET Q q 0 0 0 rg BT 138.14 749.25 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (The table below summarizes Citigroup) Tj ET Q q 0 0 0 rg BT 194.30 737.25 Td (s non-accrual loans as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (of the periods indicated. Non-accrual loans may still be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (current on interest payments. In situations where Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (reasonably expects that only a portion of the principal owed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (will ultimately be collected, all payments received are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (reflected as a reduction of principal and not as interest income. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (For all other non-accrual loans, cash interest receipts are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (generally recorded as revenue.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 662.75 265.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 662.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 662.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 662.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 662.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 662.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 634.75 265.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 634.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 634.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 634.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 634.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 634.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 606.75 265.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 606.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 606.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 606.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 606.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 606.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 578.75 265.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 578.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 578.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 578.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 578.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 578.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 550.75 265.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 550.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 550.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 550.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 550.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 550.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 522.75 265.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 522.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 522.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 522.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 522.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 522.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 494.75 265.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 494.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 494.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 494.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 494.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 494.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 466.75 265.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 466.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 466.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 466.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 466.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 466.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 438.75 265.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 438.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 438.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 438.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 438.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 438.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 410.75 265.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 410.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 410.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 410.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 410.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 410.75 55.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 676.75 m 301.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 676.75 m 356.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 676.75 m 411.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 676.75 m 466.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 676.75 m 521.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 676.75 m 576.5 676.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 662.75 m 301.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 662.75 m 356.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 662.75 m 411.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 662.75 m 466.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 662.75 m 521.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 662.75 m 576.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 662.75 m 356.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 662.75 m 411.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 662.75 m 466.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 662.75 m 521.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 662.75 m 576.5 662.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 634.75 m 301.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 634.75 m 411.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 634.75 m 466.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 634.75 m 521.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 634.75 m 576.5 634.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 620.75 m 301.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 634.75 m 356.5 634.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 634.75 m 411.5 634.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 620.75 m 411.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 634.75 m 466.5 634.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 620.75 m 466.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 634.75 m 521.5 634.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 620.75 m 521.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 634.75 m 576.5 634.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 620.75 m 576.5 620.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 620.75 m 356.5 620.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 620.75 m 411.5 620.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 620.75 m 466.5 620.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 620.75 m 521.5 620.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 620.75 m 576.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 550.75 m 301.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 550.75 m 411.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 550.75 m 466.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 550.75 m 521.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 550.75 m 576.5 550.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 536.75 m 301.5 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 550.75 m 356.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 550.75 m 411.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 550.75 m 466.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 550.75 m 521.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 550.75 m 576.5 550.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 536.75 m 356.5 536.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 536.75 m 411.5 536.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 536.75 m 466.5 536.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 536.75 m 521.5 536.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 536.75 m 576.5 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 508.75 m 301.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 508.75 m 411.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 508.75 m 466.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 508.75 m 521.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 508.75 m 576.5 508.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 494.75 m 301.5 494.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 508.75 m 356.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 508.75 m 411.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 508.75 m 466.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 508.75 m 521.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 508.75 m 576.5 508.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 494.75 m 301.5 494.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 494.75 m 356.5 494.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 494.75 m 411.5 494.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 494.75 m 466.5 494.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 494.75 m 521.5 494.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 494.75 m 576.5 494.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 438.75 m 301.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 438.75 m 356.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 438.75 m 411.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 438.75 m 466.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 438.75 m 521.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 438.75 m 576.5 438.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 424.75 m 301.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 438.75 m 356.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 438.75 m 411.5 438.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 424.75 m 411.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 438.75 m 466.5 438.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 424.75 m 466.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 438.75 m 521.5 438.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 424.75 m 521.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 438.75 m 576.5 438.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 424.75 m 576.5 424.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 424.75 m 301.5 424.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 424.75 m 356.5 424.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 424.75 m 411.5 424.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 424.75 m 466.5 424.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 424.75 m 521.5 424.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 424.75 m 576.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 396.75 m 301.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 396.75 m 411.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 396.75 m 466.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 396.75 m 521.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 396.75 m 576.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 396.75 m 301.5 396.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 382.75 m 301.5 382.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 396.75 m 356.5 396.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 382.75 m 356.5 382.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 396.75 m 411.5 396.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 382.75 m 411.5 382.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 396.75 m 466.5 396.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 382.75 m 466.5 382.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 396.75 m 521.5 396.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 382.75 m 521.5 382.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 396.75 m 576.5 396.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 382.75 m 576.5 382.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.30 681.20 Td (December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 667.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.50 667.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.50 667.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.50 667.21 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.50 667.21 Td (2012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.65 667.21 Td (2011) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 653.20 Td (Citicorp) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.00 653.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.75 653.20 Td (3,092) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 653.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 653.21 Td (3,011) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 653.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.75 653.21 Td (3,777) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 653.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.75 653.21 Td (4,031) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 653.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 653.21 Td (3,776) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 639.20 Td (Citi Holdings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.75 639.20 Td (2,162) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 639.21 Td (4,096) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.75 639.21 Td (5,226) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.75 639.21 Td (7,499) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 639.21 Td (7,292) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 625.20 Td (Total non-accrual loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.00 625.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.75 625.20 Td (5,254) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 625.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 625.21 Td (7,107) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 625.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.75 625.21 Td (9,003) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 625.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.25 625.21 Td (11,530) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 625.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 625.21 Td (11,068) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 611.20 Td (Corporate non-accrual loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 149.49 615.28 Td (\(1\)\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.00 611.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 611.21 Td () Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 597.20 Td (North America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.00 597.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.50 597.20 Td (818) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 597.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 597.21 Td (321) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 597.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.50 597.21 Td (736) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 597.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.50 597.21 Td (735) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 597.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 597.21 Td (1,246) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 583.20 Td (EMEA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.50 583.20 Td (317) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 583.21 Td (267) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.50 583.21 Td (766) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.75 583.21 Td (1,131) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 583.21 Td (1,293) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 569.20 Td (Latin America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.50 569.20 Td (301) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 569.21 Td (416) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.50 569.21 Td (127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.50 569.21 Td (128) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 569.21 Td (362) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 555.20 Td (Asia) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.50 555.20 Td (128) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 555.21 Td (179) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.50 555.21 Td (279) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.50 555.21 Td (339) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 555.21 Td (335) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 541.20 Td (Total corporate non-accrual loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.00 541.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.75 541.20 Td (1,564) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 541.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 541.21 Td (1,183) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 541.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.75 541.21 Td (1,908) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 541.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.75 541.21 Td (2,333) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 541.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 541.21 Td (3,236) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 527.21 Td (Citicorp) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.00 527.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.75 527.20 Td (1,511) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 527.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 527.21 Td (1,126) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 527.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.75 527.21 Td (1,580) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 527.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.75 527.21 Td (1,909) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 527.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 527.21 Td (2,217) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 513.21 Td (Citi Holdings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.00 513.20 Td (53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 513.21 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.50 513.21 Td (328) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.50 513.21 Td (424) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 513.21 Td (1,019) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 499.20 Td (Total corporate non-accrual loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.00 499.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.75 499.20 Td (1,564) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 499.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 499.21 Td (1,183) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 499.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.75 499.21 Td (1,908) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 499.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.75 499.21 Td (2,333) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 499.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 499.21 Td (3,236) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 485.20 Td (Consumer) Tj ET Q q 0 0 0 rg BT 78.84 485.20 Td ( non-accrual loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 149.34 489.28 Td (\(1\)\(3\)) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 471.20 Td (North America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.00 471.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.75 471.20 Td (2,515) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 471.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 471.21 Td (4,412) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 471.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.75 471.21 Td (5,238) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 471.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.75 471.21 Td (7,149) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 471.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 471.21 Td (5,888) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 457.20 Td (Latin America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.50 457.20 Td (876) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 457.21 Td (1,188) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.75 457.21 Td (1,426) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.75 457.21 Td (1,285) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 457.21 Td (1,107) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 443.20 Td (Asia) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 55.00 447.28 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.50 443.20 Td (299) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.50 443.21 Td (324) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.50 443.21 Td (431) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.50 443.21 Td (763) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 443.21 Td (837) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 429.20 Td (Total consumer non-accrual loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.00 429.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.75 429.20 Td (3,690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 429.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 429.21 Td (5,924) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 429.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.75 429.21 Td (7,095) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 429.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.75 429.21 Td (9,197) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 429.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 429.21 Td (7,832) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 415.21 Td (Citicorp) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.00 415.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.75 415.20 Td (1,581) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 415.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 415.21 Td (1,885) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 415.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.75 415.21 Td (2,197) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 415.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.75 415.21 Td (2,122) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 415.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 415.21 Td (1,559) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 401.21 Td (Citi Holdings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.75 401.20 Td (2,109) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 401.21 Td (4,039) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.75 401.21 Td (4,898) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.75 401.21 Td (7,075) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 401.21 Td (6,273) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 387.20 Td (Total consumer non-accrual loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.00 387.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.75 387.20 Td (3,690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 387.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 387.21 Td (5,924) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 387.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.75 387.21 Td (7,095) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 387.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.75 387.21 Td (9,197) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 387.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 387.21 Td (7,832) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 365.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 365.65 Td (Excludes purchased distressed loans, as they are generally accreting interest. ) Tj ET Q q 0 0 0 rg BT 300.87 365.65 Td (The carrying value of these loans was ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 423.71 365.65 Td ($250 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 464.83 365.65 Td ( at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 474.60 365.65 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.47 365.65 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.47 365.65 Td ($421 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 356.05 Td (million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 77.11 356.05 Td ( at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 86.89 356.05 Td (December 31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.75 356.05 Td (, $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 157.75 356.05 Td (703 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 194.87 356.05 Td ( at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.64 356.05 Td (December31, 2013) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 267.51 356.05 Td (, $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 275.51 356.05 Td (537 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.62 356.05 Td ( at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 322.39 356.05 Td (December31, 2012) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 385.26 356.05 Td ( and $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 404.81 356.05 Td (51) Tj ET Q q 0 0 0 rg BT 412.52 356.05 Td (1 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.63 356.05 Td ( at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.40 356.05 Td (December31, 201) Tj ET Q q 0 0 0 rg BT 509.97 356.05 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 513.97 356.05 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 346.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 346.45 Td (Included within the increase in corporate non-accrual loans from December 31, 2014 to December 31, 2015 is an approximate $340 million increase during the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 336.85 Td (third quarter of 2015 primarily related to Citi) Tj ET Q q 0 0 0 rg BT 200.41 336.85 Td (s ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 205.52 336.85 Td (North ) Tj ET Q q 0 0 0 rg BT 226.05 336.85 Td (America) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 253.15 336.85 Td ( ener) Tj ET Q q 0 0 0 rg BT 268.77 336.85 Td (gy and ener) Tj ET Q q 0 0 0 rg BT 305.94 336.85 Td (gy-related corporate credit exposure. For additional information, see Corporate ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 327.25 Td (Credit Details above.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 31.50 317.65 Td ( \(3\) 2015 decline includes the impact related to the transfer of approximately $8 billion of mortgage loans to ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 388.06 317.65 Td (Loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.63 317.65 Td (, held-for) Tj ET Q q 0 0 0 rg BT 437.23 317.65 Td (-sale \(HFS\) \(included within) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 528.99 317.65 Td ( Other assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 570.77 317.65 Td (\). ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 31.50 308.05 Td ( \(4\) For reporting purposes, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 129.71 308.05 Td (Asia GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 161.93 308.05 Td ( includes the results of operations of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 279.90 308.05 Td (EMEA) Tj ET Q q 0 0 0 rg BT 301.08 308.05 Td ( GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 319.08 308.05 Td ( for all periods presented.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.45 Td (The changes in Citigroup) Tj ET Q q 0 0 0 rg BT 140.15 286.45 Td (s non-accrual loans were as follows:) Tj ET Q 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 36.50 230.95 160.00 -22.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 196.50 230.95 66.00 -22.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 262.50 230.95 66.00 -22.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 328.50 230.95 66.00 -22.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 36.50 193.95 160.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 196.50 193.95 66.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 262.50 193.95 66.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 328.50 193.95 66.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 36.50 164.95 160.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 196.50 164.95 66.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 262.50 164.95 66.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 328.50 164.95 66.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 36.50 134.95 160.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 196.50 134.95 66.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 262.50 134.95 66.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 328.50 134.95 66.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 245.95000000000005 m 196.5 245.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 245.95000000000005 m 262.5 245.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 245.95000000000005 m 328.5 245.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 245.95000000000005 m 394.5 245.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 230.95000000000005 m 196.5 230.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 230.95000000000005 m 262.5 230.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 245.95000000000005 m 328.5 230.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 230.95000000000005 m 328.5 230.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 230.95000000000005 m 394.5 230.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 230.95000000000005 m 262.5 230.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 230.95000000000005 m 328.5 208.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 230.95000000000005 m 328.5 230.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 230.95000000000005 m 394.5 230.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 208.95000000000005 m 328.5 193.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 193.95000000000005 m 328.5 179.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 179.95000000000005 m 328.5 164.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 164.95000000000005 m 328.5 149.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 149.95000000000005 m 328.5 134.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 134.95000000000005 m 328.5 119.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 119.95000000000005 m 196.5 119.95000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 104.95000000000005 m 196.5 104.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 119.95000000000005 m 262.5 119.95000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 104.95000000000005 m 262.5 104.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 119.95000000000005 m 328.5 104.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 119.95000000000005 m 328.5 119.95000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 104.95000000000005 m 328.5 104.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 119.95000000000005 m 394.5 119.95000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 104.95000000000005 m 394.5 104.95000000000005 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.45 265.40 Td (Year ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.70 250.40 Td (December 31, 2015) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 235.20 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 209.00 235.40 Td (Corporate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 275.05 235.40 Td (Consumer) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.15 235.40 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 222.35 Td (Non-accrual loans at beginning of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 213.35 Td (period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.00 213.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.75 213.40 Td (1,183) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.00 213.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.75 213.40 Td (5,924) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 213.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.75 213.40 Td (7,107) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 198.41 Td (Additions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.75 198.40 Td (1,318) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.75 198.40 Td (5,219) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.75 198.40 Td (6,537) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 184.41 Td (Sales and transfers to held-for-sale) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.50 184.40 Td (\(222) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 259.00 184.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 184.40 Td (\(2,249) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 325.00 184.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.75 184.40 Td (\(2,471) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 184.40 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 169.41 Td (Returned to performing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 169.40 Td (\(64) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 259.00 169.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 169.40 Td (\(1,080) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 325.00 169.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.75 169.40 Td (\(1,144) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 169.40 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 154.41 Td (Paydowns/settlements) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.50 154.40 Td (\(459) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 259.00 154.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 154.40 Td (\(1,255) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 325.00 154.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.75 154.40 Td (\(1,714) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 154.40 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 139.41 Td (Charge-offs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.50 139.40 Td (\(145) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 259.00 139.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 139.40 Td (\(2,642) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 325.00 139.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.75 139.40 Td (\(2,787) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 139.40 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 124.41 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 124.40 Td (\(47) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 259.00 124.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.50 124.40 Td (\(227) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 325.00 124.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.50 124.40 Td (\(274) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 124.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 109.40 Td (Ending balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.00 109.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.75 109.40 Td (1,564) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.00 109.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.75 109.40 Td (3,690) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 109.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.75 109.40 Td (5,254) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 177 0 obj <> endobj 178 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (86) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.00 749.10 Td (The table below summarizes Citigroup) Tj ET Q q 0 0 0 rg BT 218.30 749.10 Td (s other real estate owned \(OREO\) assets as of the periods indicated. ) Tj ET Q q 0 0 0 rg BT 491.64 749.10 Td (This represents the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (carrying value of all real estate property acquired by foreclosure or other legal proceedings when Citi has taken possession of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (collateral:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 686.60 215.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 686.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 686.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 686.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 686.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 686.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 658.60 215.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 658.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 658.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 658.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 658.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 658.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 630.60 215.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 630.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 630.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 630.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 630.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 630.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 602.60 215.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 602.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 602.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 602.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 602.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 602.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 574.60 215.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 574.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 574.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 574.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 574.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 574.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 546.60 215.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 546.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 546.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 546.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 546.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 546.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 518.60 215.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 518.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 518.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 518.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 518.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 518.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 490.60 215.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 490.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 490.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 490.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 490.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 490.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 462.60 215.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 462.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 462.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 462.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 462.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 462.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 434.60 215.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 434.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 434.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 434.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 434.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 434.60 65.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 700.6 m 251.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 700.6 m 316.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 700.6 m 381.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 700.6 m 446.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 700.6 m 511.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 700.6 m 576.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 686.6 m 251.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 686.6 m 316.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 686.6 m 381.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 700.6 m 446.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 686.6 m 446.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 686.6 m 511.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 686.6 m 576.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 644.6 m 251.5 644.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 644.6 m 381.5 644.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 644.6 m 446.5 644.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 644.6 m 511.5 644.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 644.6 m 576.5 644.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 630.6 m 251.5 630.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 644.6 m 316.5 644.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 644.6 m 381.5 644.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 630.6 m 381.5 630.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 644.6 m 446.5 644.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 630.6 m 446.5 630.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 644.6 m 511.5 644.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 630.6 m 511.5 630.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 644.6 m 576.5 644.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 630.6 m 576.5 630.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 630.6 m 316.5 630.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 630.6 m 381.5 630.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 630.6 m 446.5 630.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 630.6 m 511.5 630.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 630.6 m 576.5 630.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 574.6 m 251.5 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 574.6 m 316.5 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 574.6 m 381.5 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 574.6 m 446.5 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 574.6 m 511.5 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 574.6 m 576.5 574.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 560.6 m 251.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 574.6 m 316.5 574.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 560.6 m 316.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 574.6 m 381.5 574.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 560.6 m 381.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 574.6 m 446.5 574.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 560.6 m 446.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 574.6 m 511.5 574.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 560.6 m 511.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 574.6 m 576.5 574.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 560.6 m 576.5 560.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 546.6 m 251.5 546.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 546.6 m 316.5 546.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 560.6 m 381.5 560.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 546.6 m 381.5 546.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 560.6 m 446.5 560.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 546.6 m 446.5 546.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 560.6 m 511.5 560.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 546.6 m 511.5 546.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 560.6 m 576.5 560.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 546.6 m 576.5 546.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 546.6 m 316.5 546.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 546.6 m 381.5 546.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 546.6 m 446.5 546.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 546.6 m 511.5 546.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 546.6 m 576.5 546.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 504.6 m 251.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 504.6 m 381.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 504.6 m 446.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 504.6 m 511.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 504.6 m 576.5 504.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 490.6 m 251.5 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 504.6 m 316.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 504.6 m 381.5 504.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 490.6 m 381.5 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 504.6 m 446.5 504.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 490.6 m 446.5 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 504.6 m 511.5 504.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 490.6 m 511.5 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 504.6 m 576.5 504.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 490.6 m 576.5 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 476.6 m 251.5 476.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 490.6 m 316.5 490.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 490.6 m 381.5 490.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 490.6 m 446.5 490.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 490.6 m 511.5 490.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 490.6 m 576.5 490.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 462.6 m 251.5 462.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 476.6 m 316.5 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 476.6 m 381.5 476.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 462.6 m 381.5 462.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 476.6 m 446.5 476.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 462.6 m 446.5 462.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 476.6 m 511.5 476.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 462.6 m 511.5 462.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 476.6 m 576.5 476.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 462.6 m 576.5 462.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 462.6 m 316.5 462.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 462.6 m 381.5 462.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 462.6 m 446.5 462.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 462.6 m 511.5 462.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 462.6 m 576.5 462.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 420.6 m 251.5 420.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 420.6 m 316.5 420.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 420.6 m 381.5 420.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 420.6 m 446.5 420.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 420.6 m 511.5 420.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 420.6 m 576.5 420.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.30 705.05 Td (December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 690.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.50 691.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.50 691.06 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.50 691.06 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 691.06 Td (2012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.65 691.06 Td (2011) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 677.05 Td (OREO) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 65.50 681.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 663.05 Td (Citicorp) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.00 663.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.00 663.05 Td (71) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 663.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.50 663.06 Td (92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 663.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.50 663.06 Td (75) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 663.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 663.06 Td (39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 663.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 663.06 Td (65) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 649.05 Td (Citi Holdings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.50 649.05 Td (138) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.00 649.06 Td (168) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 649.06 Td (342) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 649.06 Td (401) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 649.06 Td (501) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 635.05 Td (Total OREO) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.00 635.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.50 635.05 Td (209) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 635.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.00 635.06 Td (260) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 635.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 635.06 Td (417) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 635.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 635.06 Td (440) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 635.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 635.06 Td (566) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 621.05 Td (North America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.00 621.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.50 621.05 Td (166) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 621.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.00 621.06 Td (195) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 621.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 621.06 Td (305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 621.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 621.06 Td (299) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 621.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 621.06 Td (441) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 607.05 Td (EMEA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.50 607.05 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.00 607.06 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.50 607.06 Td (59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 607.06 Td (99) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 607.06 Td (73) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 593.05 Td (Latin America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.00 593.05 Td (38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.50 593.06 Td (47) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.50 593.06 Td (47) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 593.06 Td (40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 593.06 Td (51) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 579.05 Td (Asia) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.50 579.05 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.50 579.06 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.00 579.06 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 579.06 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 579.06 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 565.05 Td (Total OREO) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.00 565.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.50 565.05 Td (209) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 565.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.00 565.06 Td (260) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 565.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 565.06 Td (417) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 565.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 565.06 Td (440) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 565.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 565.06 Td (566) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 551.05 Td (Other repossessed assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.00 551.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.00 551.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 551.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.50 551.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 551.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.50 551.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 551.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 551.06 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 551.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 551.06 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 537.05 Td (Non-accrual assetsT) Tj ET Q q 0 0 0 rg BT 124.92 537.05 Td (otal Citigr) Tj ET Q q 0 0 0 rg BT 164.49 537.05 Td (oup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 179.01 537.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.50 537.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.50 537.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 523.06 Td (Corporate non-accrual loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.00 523.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.75 523.05 Td (1,564) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 523.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.25 523.06 Td (1,183) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 523.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 523.06 Td (1,908) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 523.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.25 523.06 Td (2,333) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 523.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 523.06 Td (3,236) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 509.06 Td (Consumer non-accrual loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.75 509.05 Td (3,690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.25 509.06 Td (5,924) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 509.06 Td (7,095) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.25 509.06 Td (9,197) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 509.06 Td (7,832) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 495.06 Td (Non-accrual loans \(NAL\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.00 495.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.75 495.05 Td (5,254) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 495.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.25 495.06 Td (7,107) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 495.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 495.06 Td (9,003) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 495.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 495.06 Td (11,530) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 495.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 495.06 Td (11,068) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 481.06 Td (OREO) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.00 481.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.50 481.05 Td (209) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 481.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.00 481.06 Td (260) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 481.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 481.06 Td (417) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 481.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 481.06 Td (440) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 481.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 481.06 Td (566) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 467.06 Td (Non-accrual assets \(NAA\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.00 467.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.75 467.05 Td (5,463) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 467.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.25 467.06 Td (7,367) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 467.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 467.06 Td (9,420) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 467.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 467.06 Td (11,971) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 467.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 467.06 Td (11,635) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 453.06 Td (NAL as a percentage of total loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.25 453.05 Td (0.85) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.00 453.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.75 453.06 Td (1.10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.50 453.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 453.06 Td (1.35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 453.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.75 453.06 Td (1.76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.50 453.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 453.06 Td (1.71) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 453.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 439.06 Td (NAA as a percentage of total assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.25 439.05 Td (0.32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.75 439.06 Td (0.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 439.06 Td (0.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.75 439.06 Td (0.64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 439.06 Td (0.62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 425.06 Td (Allowance for loan losses as a percentage of NAL) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 219.93 429.14 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.50 425.05 Td (240) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.00 425.06 Td (225) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 425.06 Td (218) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 425.06 Td (221) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 425.06 Td (272) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 370.60 215.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 370.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 370.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 370.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 370.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 370.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 342.60 215.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 342.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 342.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 342.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 342.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 342.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 314.60 215.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 314.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 314.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 314.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 314.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 314.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 286.60 215.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 286.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 286.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 286.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 286.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 286.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 258.60 215.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 258.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 258.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 258.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 258.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 258.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 230.60 215.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 230.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 230.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 230.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 230.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 230.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 202.60 215.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 202.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 202.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 202.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 202.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 202.60 65.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 384.6 m 251.5 384.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 384.6 m 316.5 384.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 384.6 m 381.5 384.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 384.6 m 446.5 384.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 384.6 m 511.5 384.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 384.6 m 576.5 384.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 370.6 m 251.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 370.6 m 316.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 370.6 m 381.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 370.6 m 446.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 370.6 m 511.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 370.6 m 576.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 370.6 m 316.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 370.6 m 381.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 370.6 m 446.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 370.6 m 511.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 370.6 m 576.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 328.6 m 251.5 328.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 328.6 m 381.5 328.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 328.6 m 446.5 328.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 328.6 m 511.5 328.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 328.6 m 576.5 328.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 314.6 m 251.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 328.6 m 316.5 328.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 328.6 m 381.5 328.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 314.6 m 381.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 328.6 m 446.5 328.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 314.6 m 446.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 328.6 m 511.5 328.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 314.6 m 511.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 328.6 m 576.5 328.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 314.6 m 576.5 314.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 314.6 m 316.5 314.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 314.6 m 381.5 314.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 314.6 m 446.5 314.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 314.6 m 511.5 314.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 314.6 m 576.5 314.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 286.6 m 251.5 286.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 286.6 m 316.5 286.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 286.6 m 381.5 286.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 286.6 m 446.5 286.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 286.6 m 511.5 286.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 286.6 m 576.5 286.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 286.6 m 316.5 286.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 286.6 m 381.5 286.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 286.6 m 446.5 286.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 286.6 m 511.5 286.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 286.6 m 576.5 286.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 230.60000000000002 m 251.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 230.60000000000002 m 316.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 230.60000000000002 m 381.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 230.60000000000002 m 446.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 230.60000000000002 m 511.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 230.60000000000002 m 576.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 216.60000000000002 m 251.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 230.60000000000002 m 316.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 230.60000000000002 m 381.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 216.60000000000002 m 381.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 230.60000000000002 m 446.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 216.60000000000002 m 446.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 230.60000000000002 m 511.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 216.60000000000002 m 511.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 230.60000000000002 m 576.5 230.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 216.60000000000002 m 576.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 216.60000000000002 m 316.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 216.60000000000002 m 381.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 216.60000000000002 m 446.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 216.60000000000002 m 511.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 216.60000000000002 m 576.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 188.60000000000002 m 251.5 188.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 188.60000000000002 m 316.5 188.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 188.60000000000002 m 381.5 188.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 188.60000000000002 m 446.5 188.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 188.60000000000002 m 511.5 188.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 188.60000000000002 m 576.5 188.60000000000002 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.30 389.05 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 375.05 Td (Non-accrual assetsTotal Citicorp) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.50 375.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.50 375.06 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.50 375.06 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 375.06 Td (2012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.65 375.06 Td (2011) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 361.06 Td (Non-accrual loans \(NAL\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.00 361.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.75 361.05 Td (3,092) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 361.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.25 361.06 Td (3,011) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 361.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 361.06 Td (3,777) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 361.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.25 361.06 Td (4,031) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 361.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 361.06 Td (3,776) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 347.06 Td (OREO) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.00 347.05 Td (71) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.50 347.06 Td (92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.50 347.06 Td (75) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 347.06 Td (39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 347.06 Td (65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 333.06 Td (Other repossessed assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.95 333.05 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.95 333.06 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.95 333.06 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.95 333.06 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.95 333.06 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 319.06 Td (Non-accrual assets \(NAA\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.00 319.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.75 319.05 Td (3,163) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 319.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.25 319.06 Td (3,103) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 319.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 319.06 Td (3,852) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 319.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.25 319.06 Td (4,070) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 319.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 319.06 Td (3,841) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 305.06 Td (NAA as a percentage of total assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.25 305.05 Td (0.19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.00 305.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.75 305.06 Td (0.18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.50 305.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 305.06 Td (0.22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 305.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.75 305.06 Td (0.24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.50 305.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 305.06 Td (0.24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 305.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 291.06 Td (Allowance for loan losses as a percentage of NAL) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 219.93 295.14 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.50 291.05 Td (343) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.00 291.06 Td (370) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 291.06 Td (339) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 291.06 Td (353) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 291.06 Td (431) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 277.05 Td (Non-accrual assetsTotal Citi Holdings) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 263.06 Td (Non-accrual loans \(NAL\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 131.46 267.14 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.00 263.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.75 263.05 Td (2,162) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 263.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.25 263.06 Td (4,096) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 263.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 263.06 Td (5,226) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 263.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.25 263.06 Td (7,499) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 263.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 263.06 Td (7,292) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 249.06 Td (OREO) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.50 249.05 Td (138) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.00 249.06 Td (168) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 249.06 Td (342) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 249.06 Td (401) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 249.06 Td (501) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 235.86 Td (Other repossessed assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.95 235.05 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.95 235.06 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.95 235.06 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.95 235.06 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.95 235.06 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 221.06 Td (Non-accrual assets \(NAA\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.00 221.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.75 221.05 Td (2,300) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 221.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.25 221.06 Td (4,264) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.00 221.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 221.06 Td (5,568) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 221.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.25 221.06 Td (7,900) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 221.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 221.06 Td (7,793) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 207.06 Td (NAA as a percentage of total assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.25 207.05 Td (3.11) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.00 207.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.75 207.06 Td (3.31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.50 207.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 207.06 Td (3.62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 207.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.75 207.06 Td (4.01) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.50 207.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 207.06 Td (3.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 207.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 193.06 Td (Allowance for loan losses as a percentage of NAL) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 219.93 197.14 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.00 193.05 Td (93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.00 193.06 Td (118) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 193.06 Td (131) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 193.06 Td (150) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 193.06 Td (190) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 171.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 171.50 Td (Reflects a decrease of $130 million related to the adoption of ) Tj ET Q q 0 0 0 rg BT 251.05 171.50 Td (ASU 2014-14 in the fourth quarter of 2014, which requires certain government guaranteed mortgage ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 161.90 Td (loans to be recognized as separate other receivables upon foreclosure. Prior periods have not been restated.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 152.30 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 152.30 Td (The allowance for loan losses includes the allowance for Citi) Tj ET Q q 0 0 0 rg BT 251.49 152.30 Td (s credit card portfolios and purchased distressed loans, while the non-accrual loans exclude credit ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 142.70 Td (card balances \(with the exception of certain international portfolios\) and purchased distressed loans as these continue to accrue interest until char) Tj ET Q q 0 0 0 rg BT 517.68 142.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 534.42 142.70 Td (f.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 133.10 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 133.10 Td (2015 decline includes the impact related to the transfer of approximately $8 billion of mortgage loans to ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 389.23 133.10 Td (Loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 408.80 133.10 Td (, held-for) Tj ET Q q 0 0 0 rg BT 438.40 133.10 Td (-sale \(HFS\) \(included within) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 530.16 133.10 Td ( Other ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 123.50 Td (assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 73.11 123.50 Td (\). ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 113.90 Td (N/A) Tj ET Q q 0 0 0 rg BT 49.34 113.90 Td ( Not available at the Citicorp or Citi Holdings level.) Tj ET Q endstream endobj 179 0 obj <> endobj 180 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (87) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Renegotiated Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (The following table presents Citi) Tj ET Q q 0 0 0 rg BT 170.42 737.25 Td (s loans modified in ) Tj ET Q q 0 0 0 rg BT 249.12 737.25 Td (TDRs.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 705.75 173.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 705.75 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 705.75 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 679.75 173.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 679.75 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 679.75 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 653.75 173.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 653.75 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 653.75 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 627.75 173.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 627.75 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 627.75 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 601.75 173.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 601.75 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 601.75 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 575.75 173.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 575.75 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 575.75 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 549.75 173.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 549.75 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 549.75 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 521.75 173.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 521.75 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 521.75 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 495.75 173.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 495.75 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 495.75 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 469.75 173.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 469.75 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 469.75 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 443.75 173.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 443.75 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 443.75 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 417.75 173.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 417.75 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 417.75 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 391.75 173.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 391.75 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 391.75 38.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 705.75 m 209.5 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 705.75 m 250.5 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 705.75 m 288.5 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 627.75 m 209.5 627.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 627.75 m 250.5 627.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 627.75 m 288.5 627.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 614.75 m 209.5 614.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 627.75 m 250.5 627.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 627.75 m 288.5 627.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 614.75 m 250.5 614.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 614.75 m 288.5 614.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 562.75 m 209.5 562.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 562.75 m 250.5 562.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 562.75 m 288.5 562.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 549.75 m 209.5 549.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 562.75 m 250.5 562.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 562.75 m 288.5 562.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 536.75 m 209.5 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 549.75 m 250.5 549.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 549.75 m 288.5 549.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 536.75 m 250.5 536.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 536.75 m 288.5 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 469.75 m 209.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 469.75 m 250.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 469.75 m 288.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 456.75 m 209.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 469.75 m 250.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 456.75 m 250.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 469.75 m 288.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 456.75 m 250.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 456.75 m 288.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 404.75 m 209.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 404.75 m 250.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 404.75 m 288.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 391.75 m 209.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 404.75 m 250.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 391.75 m 250.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 404.75 m 288.5 404.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 378.75 m 209.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 391.75 m 250.5 391.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 378.75 m 250.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 391.75 m 288.5 391.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 378.75 m 288.5 378.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 710.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 214.35 718.15 Td (Dec. 31, ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.50 709.15 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.85 718.01 Td (Dec. 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.00 709.01 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 697.15 Td (Corporate r) Tj ET Q q 0 0 0 rg BT 85.07 697.15 Td (enegotiated loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 151.32 701.23 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 697.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 684.01 Td (In U.S. offices) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 684.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 671.01 Td (Commercial and industrial) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 140.98 675.09 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 671.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.00 671.15 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 671.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 671.01 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 658.01 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 133.71 662.09 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 658.15 Td (104) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 658.01 Td (106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 645.01 Td (Loans to financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.50 645.15 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 645.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 632.01 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 632.15 Td (273) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 632.01 Td (316) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 619.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 619.15 Td (407) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 619.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 619.01 Td (434) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 606.01 Td (In offices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 606.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 593.01 Td (Commercial and industrial) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 140.98 597.09 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 593.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 593.15 Td (111) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 593.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 593.01 Td (105) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 580.01 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 133.71 584.09 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.00 580.15 Td (33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.50 580.01 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 567.01 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.00 567.15 Td (35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 567.01 Td (39) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 554.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 554.15 Td (179) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 554.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 554.01 Td (145) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 541.15 Td (Total corporate renegotiated loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 541.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 541.15 Td (586) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 541.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 541.01 Td (579) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 526.20 Td (Consumer) Tj ET Q q 0 0 0 rg BT 78.84 526.20 Td ( r) Tj ET Q q 0 0 0 rg BT 84.92 526.20 Td (enegotiated loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 151.17 530.28 Td (\(4\)\(5\)\(6\)\(7\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 526.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 513.01 Td (In U.S. offices) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 513.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 500.01 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 133.71 504.09 Td (\(8\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 500.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.75 500.15 Td (7,058) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 500.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 500.01 Td (15,514) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 487.01 Td (Cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.75 487.15 Td (1,396) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 487.01 Td (1,751) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 474.01 Td (Installment and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.00 474.15 Td (79) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 474.01 Td (580) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 461.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.75 461.15 Td (8,533) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 461.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 461.01 Td (17,845) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 448.01 Td (In offices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 448.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 435.01 Td (Mortgage and real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 435.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 435.15 Td (474) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 435.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 435.01 Td (695) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 422.01 Td (Cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 422.15 Td (555) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 422.01 Td (656) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 409.01 Td (Installment and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 409.15 Td (524) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 409.01 Td (586) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 396.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.75 396.15 Td (1,553) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 396.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 396.01 Td (1,937) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 383.15 Td (Total consumer renegotiated loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 383.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.25 383.15 Td (10,086) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 383.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 383.01 Td (19,782) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 361.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 361.65 Td (Includes $258million and $135million of non-accrual loans included in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 352.05 Td (the non-accrual assets table above at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 172.61 352.05 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 235.48 352.05 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 342.45 Td (December31, 2014, respectively) Tj ET Q q 0 0 0 rg BT 159.00 342.45 Td (. ) Tj ET Q q 0 0 0 rg BT 162.85 342.45 Td (The remaining loans are accruing ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 332.85 Td (interest.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 323.25 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 323.25 Td (In addition to modifications reflected as ) Tj ET Q q 0 0 0 rg BT 183.59 323.25 Td (TDRs at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 212.48 323.25 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 275.35 323.25 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 313.65 Td (Citi also modified $173 million and $17million of commercial loans ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 304.05 Td (risk rated Substandard Non-Performing or worse \(asset category ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 294.45 Td (defined by banking regulators\) in of) Tj ET Q q 0 0 0 rg BT 169.16 294.45 Td (fices inside and outside the U.S., ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 284.85 Td (respectively) Tj ET Q q 0 0 0 rg BT 92.13 284.85 Td (. ) Tj ET Q q 0 0 0 rg BT 95.98 284.85 Td (These modifications were not considered ) Tj ET Q q 0 0 0 rg BT 229.35 284.85 Td (TDRs because the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 275.25 Td (modifications did not involve a concession \(a required element of a ) Tj ET Q q 0 0 0 rg BT 271.34 275.25 Td (TDR ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 265.65 Td (for accounting purposes\).) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 256.05 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 256.05 Td (In addition to modifications reflected as ) Tj ET Q q 0 0 0 rg BT 183.59 256.05 Td (TDRs at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 212.48 256.05 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 275.35 256.05 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 246.45 Td (Citi also modified $22million of commercial real estate loans risk rated ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 236.85 Td (Substandard Non-Performing or worse \(asset category defined by ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 227.25 Td (banking regulators\) in of) Tj ET Q q 0 0 0 rg BT 133.17 227.25 Td (fices inside the U.S. ) Tj ET Q q 0 0 0 rg BT 199.23 227.25 Td (These modifications were ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 217.65 Td (not considered ) Tj ET Q q 0 0 0 rg BT 102.73 217.65 Td (TDRs because the modifications did not involve a ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 208.05 Td (concession \(a required element of a ) Tj ET Q q 0 0 0 rg BT 169.36 208.05 Td (TDR for accounting purposes\).) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 198.45 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 198.45 Td (Includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.10 198.45 Td ($1,861 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 130.21 198.45 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 145.77 198.45 Td ($3,132 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 192.88 198.45 Td ( of non-accrual loans ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 188.85 Td (included in the non-accrual assets table above at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.38 188.85 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 273.25 188.85 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 179.25 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 70.00 179.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 112.13 179.25 Td (. ) Tj ET Q q 0 0 0 rg BT 115.98 179.25 Td (The remaining loans are accruing interest.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 169.65 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 169.65 Td (Includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.10 169.65 Td ($53 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 120.21 169.65 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 135.77 169.65 Td ($124 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 176.88 169.65 Td ( of commercial real estate loans at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 160.05 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 116.87 160.05 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 132.42 160.05 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 148.42 160.05 Td (, respectively) Tj ET Q q 0 0 0 rg BT 190.55 160.05 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 150.45 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 150.45 Td (Includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.10 150.45 Td ($138 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 124.21 150.45 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 139.77 150.45 Td ($184 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 180.88 150.45 Td ( of other commercial loans at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 140.85 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 116.87 140.85 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 132.42 140.85 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 148.42 140.85 Td (, respectively) Tj ET Q q 0 0 0 rg BT 190.55 140.85 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 131.25 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 131.25 Td (Smaller) Tj ET Q q 0 0 0 rg BT 78.72 131.25 Td (-balance homogeneous loans were derived from Citi) Tj ET Q q 0 0 0 rg BT 248.45 131.25 Td (s risk ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 121.65 Td (management systems.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 112.05 Td (\(8\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 112.05 Td (Reduction in 2015 includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 143.77 112.05 Td ($7,548 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 190.88 112.05 Td ( related to ) Tj ET Q q 0 0 0 rg BT 224.72 112.05 Td (TDRs sold or ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 102.45 Td (transferred to held-for) Tj ET Q q 0 0 0 rg BT 124.47 102.45 Td (-sale.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (For) Tj ET Q q 0 0 0 rg BT 339.37 749.25 Td (egone Inter) Tj ET Q q 0 0 0 rg BT 387.78 749.25 Td (est Revenue on Loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 480.29 753.33 Td (\(1\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 694.75 100.00 -41.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 694.75 50.00 -41.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 694.75 51.00 -41.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.50 694.75 51.00 -41.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 630.75 100.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 630.75 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 630.75 51.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.50 630.75 51.00 -23.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 694.75 m 576.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 694.75 m 424.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 694.75 m 474.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 694.75 m 525.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 630.75 m 474.5 630.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 630.75 m 525.5 630.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 630.75 m 576.5 630.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 630.75 m 424.5 630.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 607.75 m 424.5 607.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 607.75 m 474.5 607.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 630.75 m 525.5 630.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 607.75 m 525.5 607.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 630.75 m 576.5 630.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 607.75 m 576.5 607.75 l s BT /F3 9.00 Tf ET q 0 0 0 rg BT 327.00 699.20 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.60 708.20 Td (In U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.75 699.20 Td (offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.35 717.20 Td (In non-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.45 708.20 Td (U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.25 699.20 Td (offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 541.50 708.20 Td (2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 541.75 699.20 Td (total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 685.21 Td (Interest revenue that ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 676.21 Td (would have been ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 667.21 Td (accrued at original ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 658.21 Td (contractual rates) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 392.22 662.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 658.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.75 658.20 Td (1,155) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.00 658.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.50 658.20 Td (555) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 528.00 658.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 658.20 Td (1,710) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 644.21 Td (Amount recognized as ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 635.21 Td (interest revenue) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 390.22 639.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 635.20 Td (691) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.50 635.20 Td (189) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.50 635.20 Td (880) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 621.20 Td (Foregone interest) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 612.20 Td (revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 612.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 612.20 Td (464) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.00 612.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.50 612.20 Td (366) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 528.00 612.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.50 612.20 Td (830) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 589.05 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 342.00 589.05 Td (Relates to corporate non-accrual loans, renegotiated loans and consumer ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 579.45 Td (loans on which accrual of interest has been suspended. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 569.85 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 342.00 569.85 Td (Interest revenue in of) Tj ET Q q 0 0 0 rg BT 410.05 569.85 Td (fices outside the U.S. may reflect prevailing local ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 560.25 Td (interest rates, including the ef) Tj ET Q q 0 0 0 rg BT 436.71 560.25 Td (fects of inflation and monetary correction ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 550.65 Td (in certain countries.) Tj ET Q endstream endobj 181 0 obj <> endobj 182 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (88) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (LIQUIDITY) Tj ET Q q 0 0 0 rg BT 100.90 747.90 Td ( RISK) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 727.90 Td (OVER) Tj ET Q q 0 0 0 rg BT 64.54 727.90 Td (VIEW) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 715.90 Td (Adequate and diverse sources of funding and liquidity are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 703.90 Td (essential to Citi) Tj ET Q q 0 0 0 rg BT 101.00 703.90 Td (s businesses. Funding and liquidity risks arise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 691.90 Td (from several factors, many of which are mostly or entirely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 679.90 Td (outside Citi) Tj ET Q q 0 0 0 rg BT 85.17 679.90 Td (s control, such as disruptions in the financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 667.90 Td (markets, changes in key funding sources, credit spreads, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 655.90 Td (changes in Citi) Tj ET Q q 0 0 0 rg BT 98.77 655.90 Td (s credit ratings and political and economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 643.90 Td (conditions in certain countries. For additional information, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 631.90 Td (Risk Factors above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 619.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 619.90 Td (s funding and liquidity objectives are aimed at \(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 607.90 Td (funding its existing asset base; \(ii\) growing its core businesses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 595.90 Td (in Citicorp; \(iii\) maintaining suf) Tj ET Q q 0 0 0 rg BT 164.13 595.90 Td (ficient liquidity) Tj ET Q q 0 0 0 rg BT 225.42 595.90 Td (, structured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 583.90 Td (appropriately) Tj ET Q q 0 0 0 rg BT 88.66 583.90 Td (, so that Citi can operate under a variety of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 571.90 Td (adverse circumstances, including potential firm-specific and/) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 559.90 Td (or market liquidity events in varying durations and severity; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 547.90 Td (and \(iv\) satisfying regulatory requirements. Citigroup) Tj ET Q q 0 0 0 rg BT 253.17 547.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 535.90 Td (primary liquidity objectives are established by entity) Tj ET Q q 0 0 0 rg BT 245.85 535.90 Td (, and in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 523.90 Td (aggregate, across two major categories:) Tj ET Q BT /F1 5.00 Tf ET q 0 0 0 rg BT 36.00 517.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 505.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 505.90 Td (Citibank; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 493.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 493.90 Td (the non-bank and other) Tj ET Q q 0 0 0 rg BT 146.07 493.90 Td (, which includes the parent holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 481.90 Td (company \(Citigroup\), Citi) Tj ET Q q 0 0 0 rg BT 160.93 481.90 Td (s broker) Tj ET Q q 0 0 0 rg BT 193.22 481.90 Td (-dealer subsidiaries and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 469.90 Td (other non-bank subsidiaries that are consolidated into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 457.90 Td (Citigroup, as well as Banamex and Citibank \(Switzerland\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 445.90 Td (AG.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 421.90 Td (At an aggregate level, Citigroup) Tj ET Q q 0 0 0 rg BT 185.35 421.90 Td (s goal is to maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 409.90 Td (suf) Tj ET Q q 0 0 0 rg BT 48.04 409.90 Td (ficient funding in amount and tenor to fully fund customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 397.90 Td (assets and to provide an appropriate amount of cash and high-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 385.90 Td (quality liquid assets \(as discussed further below\), even in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 373.90 Td (times of stress. ) Tj ET Q q 0 0 0 rg BT 98.04 373.90 Td (The liquidity risk management framework ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 361.90 Td (provides that certain entities be self-suf) Tj ET Q q 0 0 0 rg BT 193.27 361.90 Td (ficient or net providers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 349.90 Td (of liquidity) Tj ET Q q 0 0 0 rg BT 80.07 349.90 Td (, including in conditions established under their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 337.90 Td (designated stress tests.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 359.78 749.10 Td (s primary sources of funding include \(i\)deposits via ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 737.10 Td (s bank subsidiaries, which are Citi) Tj ET Q q 0 0 0 rg BT 481.76 737.10 Td (s most stable and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (lowest cost source of long-term funding, \(ii\)long-term debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (\(primarily senior and subordinated debt\) primarily issued at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (the parent and certain bank subsidiaries, and \(iii\)stockholders) Tj ET Q q 0 0 0 rg BT 574.57 701.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (equity) Tj ET Q q 0 0 0 rg BT 348.35 689.10 Td (. ) Tj ET Q q 0 0 0 rg BT 353.17 689.10 Td (These sources may be supplemented by short-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (borrowings, primarily in the form of secured funding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (transactions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 653.10 Td (As referenced above, Citigroup works to ensure that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (structural tenor of these funding sources is suf) Tj ET Q q 0 0 0 rg BT 508.50 641.10 Td (ficiently long in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (relation to the tenor of its asset base. ) Tj ET Q q 0 0 0 rg BT 472.39 629.10 Td (The goal of Citi) Tj ET Q q 0 0 0 rg BT 538.77 629.10 Td (s asset/) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (liability management is to ensure that there is excess tenor in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (the liability structure relative to the liquidity profile of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 352.15 593.10 Td (This reduces the risk that liabilities will become due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (before asset maturities or monetizations through sale, and in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (turn generates liquidity) Tj ET Q q 0 0 0 rg BT 416.10 569.10 Td (. ) Tj ET Q q 0 0 0 rg BT 420.92 569.10 Td (This liquidity is held primarily in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (form of high-quality liquid assets \(HQLA\), as set forth in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (table below) Tj ET Q q 0 0 0 rg BT 369.72 545.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 533.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 359.78 533.10 Td (s ) Tj ET Q q 0 0 0 rg BT 365.99 533.10 Td (T) Tj ET Q q 0 0 0 rg BT 371.75 533.10 Td (reasurer has overall responsibility for management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (of Citi) Tj ET Q q 0 0 0 rg BT 352.61 521.10 Td (s HQLA. Citi) Tj ET Q q 0 0 0 rg BT 409.56 521.10 Td (s liquidity is managed via a centralized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (treasury model by Corporate ) Tj ET Q q 0 0 0 rg BT 441.01 509.10 Td (T) Tj ET Q q 0 0 0 rg BT 446.76 509.10 Td (reasury) Tj ET Q q 0 0 0 rg BT 475.54 509.10 Td (, in conjunction with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (regional and in-country treasurers. Pursuant to this approach, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 485.10 Td (s HQLA) Tj ET Q q 0 0 0 rg BT 375.40 485.10 Td ( is managed with emphasis on asset-liability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (management and entity-level liquidity adequacy throughout ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (Citi.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 449.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 359.78 449.10 Td (s Chief Risk Of) Tj ET Q q 0 0 0 rg BT 422.10 449.10 Td (ficer is responsible for the overall risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (profile of Citi) Tj ET Q q 0 0 0 rg BT 381.77 437.10 Td (s HQLA. ) Tj ET Q q 0 0 0 rg BT 420.75 437.10 Td (The Chief Risk Of) Tj ET Q q 0 0 0 rg BT 494.73 437.10 Td (ficer and Citi) Tj ET Q q 0 0 0 rg BT 550.26 437.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (CFO co-chair Citi) Tj ET Q q 0 0 0 rg BT 398.99 425.10 Td (s ) Tj ET Q q 0 0 0 rg BT 404.83 425.10 Td (Asset Liability Management Committee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (\(ALCO\), which includes Citi) Tj ET Q q 0 0 0 rg BT 443.43 413.10 Td (s ) Tj ET Q q 0 0 0 rg BT 449.64 413.10 Td (T) Tj ET Q q 0 0 0 rg BT 455.40 413.10 Td (reasurer and other senior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (executives. ) Tj ET Q q 0 0 0 rg BT 370.65 401.10 Td (ALCO sets the strategy of the liquidity portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (and monitors its performance. Significant changes to portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (asset allocations need to be approved by ) Tj ET Q q 0 0 0 rg BT 487.01 377.10 Td (ALCO.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 313.90 Td (High-Quality Liquid ) Tj ET Q q 0 0 0 rg BT 126.03 313.90 Td (Assets \(HQLA\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 259.40 111.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 147.50 259.40 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 259.40 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.50 259.40 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 259.40 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 259.40 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 259.40 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 259.40 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 259.40 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.50 259.40 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 231.40 111.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 147.50 231.40 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 231.40 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.50 231.40 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 231.40 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 231.40 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 231.40 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 231.40 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 231.40 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.50 231.40 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 203.40 111.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 147.50 203.40 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 203.40 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.50 203.40 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 203.40 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 203.40 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 203.40 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 203.40 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 203.40 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.50 203.40 48.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147.5 280.4 m 194.5 280.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 280.4 m 242.5 280.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 280.4 m 290.5 280.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 280.4 m 337.5 280.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 280.4 m 385.5 280.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 280.4 m 433.5 280.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 280.4 m 480.5 280.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 280.4 m 528.5 280.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 280.4 m 576.5 280.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 259.4 m 147.5 259.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147.5 280.4 m 194.5 280.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147.5 259.4 m 194.5 259.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 280.4 m 242.5 280.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 259.4 m 242.5 259.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 280.4 m 290.5 259.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 280.4 m 290.5 280.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 259.4 m 290.5 259.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 259.4 m 337.5 259.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 280.4 m 385.5 280.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 259.4 m 385.5 259.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 280.4 m 433.5 259.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 280.4 m 433.5 280.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 259.4 m 433.5 259.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 259.4 m 480.5 259.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 280.4 m 528.5 280.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 259.4 m 528.5 259.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 280.4 m 576.5 280.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 259.4 m 576.5 259.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 259.4 m 290.5 245.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 259.4 m 433.5 245.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 259.4 m 433.5 245.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 259.4 m 480.5 259.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 245.39999999999998 m 290.5 231.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 245.39999999999998 m 433.5 231.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 245.39999999999998 m 433.5 231.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 231.39999999999998 m 290.5 217.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 231.39999999999998 m 433.5 217.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 231.39999999999998 m 433.5 217.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 217.39999999999998 m 290.5 203.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 217.39999999999998 m 433.5 203.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 217.39999999999998 m 433.5 203.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 189.39999999999998 m 147.5 189.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 203.39999999999998 m 290.5 189.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 203.39999999999998 m 433.5 189.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 203.39999999999998 m 433.5 189.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 189.39999999999998 m 480.5 189.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 189.39999999999998 m 528.5 189.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 175.39999999999998 m 147.5 175.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147.5 189.39999999999998 m 194.5 189.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 147.5 175.39999999999998 m 194.5 175.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 189.39999999999998 m 242.5 189.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 175.39999999999998 m 242.5 175.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 189.39999999999998 m 290.5 175.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 189.39999999999998 m 290.5 189.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 175.39999999999998 m 290.5 175.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 189.39999999999998 m 337.5 189.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 175.39999999999998 m 337.5 175.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 189.39999999999998 m 385.5 189.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 175.39999999999998 m 385.5 175.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 189.39999999999998 m 433.5 175.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 189.39999999999998 m 433.5 189.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 175.39999999999998 m 433.5 175.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 189.39999999999998 m 480.5 189.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 175.39999999999998 m 480.5 175.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 189.39999999999998 m 528.5 189.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 175.39999999999998 m 528.5 175.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 189.39999999999998 m 576.5 189.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 175.39999999999998 m 576.5 175.39999999999998 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.45 284.85 Td (Citibank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.30 284.85 Td (Non-Bank and Other) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 398.82 288.93 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.65 284.85 Td (Total) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 263.65 Td (In billions of dollars) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 157.05 271.63 Td (Dec. 31, ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 162.50 263.63 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 203.85 271.65 Td (Sept. 30,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.00 263.65 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.55 271.65 Td (Dec. 31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 258.00 263.65 Td (2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.05 271.63 Td (Dec. 31, ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 305.50 263.63 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.85 271.65 Td (Sept. 30,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 263.65 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 395.55 271.65 Td (Dec. 31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.00 263.65 Td (2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 443.05 271.63 Td (Dec. 31, ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 448.50 263.63 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 489.85 271.65 Td (Sept. 30,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 496.00 263.65 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 538.55 271.65 Td (Dec. 31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 544.00 263.65 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 39.00 249.65 Td (Available cash) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 150.00 249.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 175.25 249.85 Td (52.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 197.00 249.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.25 249.86 Td (68.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 245.00 249.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.25 249.86 Td (65.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.00 249.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.25 249.85 Td (16.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.00 249.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.25 249.86 Td (21.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.00 249.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.25 249.86 Td (37.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 249.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.25 249.85 Td (69.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 249.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.25 249.86 Td (90.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 249.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 249.86 Td (102.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 39.00 235.65 Td ( U.S. sovereign) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.75 235.85 Td (110.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.75 235.86 Td (119.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 266.75 235.86 Td (112.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.25 235.85 Td (32.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.25 235.86 Td (22.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.25 235.86 Td (27.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.75 235.85 Td (142.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.75 235.86 Td (142.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 235.86 Td (139.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 39.00 221.65 Td (U.S. agency/agency MBS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 175.25 221.85 Td (63.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.25 221.86 Td (60.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.25 221.86 Td (56.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.75 221.85 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 221.86 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.75 221.86 Td (0.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.25 221.85 Td (64.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.25 221.86 Td (61.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 221.86 Td (57.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 39.00 207.65 Td (Foreign government debt) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 119.87 211.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 175.25 207.85 Td (84.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.25 207.86 Td (87.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.25 207.86 Td (97.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.25 207.85 Td (14.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.25 207.86 Td (15.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.25 207.86 Td (12.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.25 207.85 Td (99.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.75 207.86 Td (103.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 207.86 Td (110.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 39.00 193.65 Td (Other investment grade) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 179.75 193.85 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.75 193.86 Td (0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.75 193.86 Td (1.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.75 193.85 Td (1.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 193.86 Td (1.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.75 193.86 Td (1.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.75 193.85 Td (2.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.75 193.86 Td (2.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 193.86 Td (3.1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 179.63 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 150.00 179.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.75 179.85 Td (312.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 197.00 179.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.75 179.86 Td (337.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 245.00 179.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 266.75 179.86 Td (333.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.00 179.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.25 179.85 Td (66.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.00 179.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.25 179.86 Td (61.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.00 179.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.25 179.86 Td (79.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 179.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.75 179.85 Td (378.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 179.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.75 179.86 Td (398.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 179.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 179.86 Td (412.6) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 156.70 Td (Note: ) Tj ET Q q 0 0 0 rg BT 55.33 156.70 Td (Amounts set forth in the table above are as of period end and may increase or decrease intra-period in the ordinary course of business. For securities, the amounts ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 147.10 Td (represent the liquidity value that potentially could be realized, and thus exclude any securities that are encumbered, as well as the haircuts that would be required for ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 137.50 Td (securities financing transactions.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 127.90 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 127.90 Td (Non-Bank and Other includes the parent holding company \(Citigroup\), Citi) Tj ET Q q 0 0 0 rg BT 304.61 127.90 Td (s broker) Tj ET Q q 0 0 0 rg BT 330.44 127.90 Td (-dealer subsidiaries and other non-bank subsidiaries that are consolidated ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 118.30 Td (into Citigroup as well as Banamex and Citibank \(Switzerland\) ) Tj ET Q q 0 0 0 rg BT 254.63 118.30 Td (AG. Banamex and Citibank \(Switzerland\) ) Tj ET Q q 0 0 0 rg BT 390.60 118.30 Td (AG account for approximately $6 billion of the Non-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 108.70 Td (Bank and Other HQLA) Tj ET Q q 0 0 0 rg BT 131.98 108.70 Td ( balance as of December 31, 2015.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 99.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 99.10 Td (Foreign government debt includes securities issued or guaranteed by foreign sovereigns, agencies and multilateral development banks. Foreign government debt ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 89.50 Td (securities are held lar) Tj ET Q q 0 0 0 rg BT 122.04 89.50 Td (gely to support local liquidity requirements and Citi) Tj ET Q q 0 0 0 rg BT 290.24 89.50 Td (s local franchises, and principally include government bonds from Hong Kong, India, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 79.90 Td (Korea and Mexico. ) Tj ET Q endstream endobj 183 0 obj <> endobj 184 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (89) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (As set forth in the table above, Citi) Tj ET Q q 0 0 0 rg BT 196.75 749.10 Td (s HQLA) Tj ET Q q 0 0 0 rg BT 230.36 749.10 Td ( decreased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (both year) Tj ET Q q 0 0 0 rg BT 73.29 737.10 Td (-over) Tj ET Q q 0 0 0 rg BT 94.18 737.10 Td (-year as well as sequentially) Tj ET Q q 0 0 0 rg BT 206.27 737.10 Td (, driven primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (by reductions in long-term debt and short-term borrowings, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (discussed further under Secured Funding ) Tj ET Q q 0 0 0 rg BT 206.61 713.10 Td (T) Tj ET Q q 0 0 0 rg BT 212.37 713.10 Td (ransactions and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (Short-T) Tj ET Q q 0 0 0 rg BT 66.41 701.10 Td (erm Borrowings below) Tj ET Q q 0 0 0 rg BT 162.41 701.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td ( ) Tj ET Q q 0 0 0 rg BT 54.00 689.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 689.10 Td (s HQLA) Tj ET Q q 0 0 0 rg BT 105.40 689.10 Td ( as set forth above does not include Citi) Tj ET Q q 0 0 0 rg BT 266.48 689.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (available borrowing capacity from the Federal Home Loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (Banks \(FHLB\) of which Citi is a member) Tj ET Q q 0 0 0 rg BT 201.97 665.10 Td (, which was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (approximately $36billion as of December 31, 2015 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (\(unchanged from September 30, 2015 and compared to $26 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (billion as of December 31, 2014\) and maintained by eligible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (collateral pledged to such banks. ) Tj ET Q q 0 0 0 rg BT 169.11 617.10 Td (The HQLA) Tj ET Q q 0 0 0 rg BT 214.38 617.10 Td ( also does not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (include Citi) Tj ET Q q 0 0 0 rg BT 85.72 605.10 Td (s borrowing capacity at the U.S. Federal Reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (Bank discount window or other central banks, which would be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (in addition to the resources noted above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td ( ) Tj ET Q q 0 0 0 rg BT 54.00 569.10 Td (In general, Citi) Tj ET Q q 0 0 0 rg BT 117.04 569.10 Td (s liquidity is fungible across legal entities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (within its bank group. Citi) Tj ET Q q 0 0 0 rg BT 144.06 557.10 Td (s bank subsidiaries, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (Citibank, can lend to the Citi parent and broker) Tj ET Q q 0 0 0 rg BT 224.36 545.10 Td (-dealer entities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (in accordance with Section23A) Tj ET Q q 0 0 0 rg BT 163.18 533.10 Td ( of the Federal Reserve ) Tj ET Q q 0 0 0 rg BT 257.87 533.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 276.76 533.10 Td (As ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (of December 31, 2015, the capacity available for lending to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (these entities under Section23A) Tj ET Q q 0 0 0 rg BT 164.86 509.10 Td ( was approximately $17 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (billion, lar) Tj ET Q q 0 0 0 rg BT 77.48 497.10 Td (gely unchanged from prior periods, subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (certain eligible non-cash collateral requirements. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (As part of its funding and liquidity objectives, Citi seeks to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (fund its existing asset base appropriately as well as maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (suf) Tj ET Q q 0 0 0 rg BT 48.04 425.10 Td (ficient liquidity to grow its core businesses in Citicorp, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (including its loan portfolio. Citi maintains a diversified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (portfolio of loans to its consumer and institutional clients. ) Tj ET Q q 0 0 0 rg BT 269.68 401.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (table below sets forth the end-of-period loans, by business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (and/or segment, and the total average loans for each of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (periods indicated:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 331.60 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.00 331.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.00 331.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.00 331.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 303.60 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.00 303.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.00 303.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.00 303.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 275.60 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.00 275.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.00 275.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.00 275.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 247.60 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.00 247.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.00 247.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.00 247.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 207.60 131.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.00 207.60 40.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.00 207.60 40.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.00 207.60 40.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 168.60 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.00 168.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.00 168.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.00 168.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 140.60 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.00 140.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.00 140.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.00 140.60 40.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 331.6 m 167 331.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167 331.6 m 207 331.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207 331.6 m 247 331.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247 331.6 m 287 331.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 331.6 m 167 331.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 275.6 m 167 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167 275.6 m 207 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207 275.6 m 247 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247 275.6 m 287 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247 275.6 m 287 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 182.60000000000002 m 167 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167 182.60000000000002 m 207 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207 182.60000000000002 m 247 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247 182.60000000000002 m 287 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207 182.60000000000002 m 247 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247 182.60000000000002 m 287 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 140.60000000000002 m 167 140.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167 140.60000000000002 m 207 140.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207 140.60000000000002 m 247 140.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247 140.60000000000002 m 287 140.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36 126.60000000000002 m 167 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167 126.60000000000002 m 207 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207 126.60000000000002 m 247 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247 140.60000000000002 m 287 140.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247 126.60000000000002 m 287 126.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36 112.60000000000002 m 167 112.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167 126.60000000000002 m 207 126.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 167 112.60000000000002 m 207 112.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207 126.60000000000002 m 247 126.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 207 112.60000000000002 m 247 112.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 247 112.60000000000002 m 287 112.60000000000002 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.50 335.85 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 171.35 345.05 Td (Dec. 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.50 336.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.60 345.06 Td (Sept. 30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.50 336.06 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.35 345.06 Td (Dec. 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.50 336.06 Td (2014) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 38.50 322.05 Td (Global Consumer Banking) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 44.50 308.05 Td (North America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.50 308.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.25 308.05 Td (165.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 209.50 308.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.25 308.06 Td (158.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.50 308.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.25 308.06 Td (160.8) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 44.50 294.05 Td (Latin America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.75 294.05 Td (31.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.75 294.06 Td (31.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.75 294.06 Td (35.5) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 44.50 280.05 Td (Asia) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 60.50 284.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.75 280.05 Td (88.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.75 280.06 Td (88.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.75 280.06 Td (94.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.00 266.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.50 266.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.25 266.05 Td (285.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 209.50 266.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.25 266.06 Td (278.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.50 266.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.25 266.06 Td (291.1) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 38.50 252.05 Td (Institutional Clients Group) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 238.06 Td (Corporate lending) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.25 238.05 Td (114.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.25 238.06 Td (116.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.25 238.06 Td (108.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 221.06 Td (Treasury and trade solutions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 212.06 Td (\(TTS\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.75 212.05 Td (71.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.75 212.06 Td (73.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.75 212.06 Td (76.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 196.06 Td (Private bank, markets and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 187.06 Td (securities services and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.25 187.05 Td (101.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.75 187.06 Td (98.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.75 187.06 Td (89.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.00 173.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.50 173.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.25 173.05 Td (287.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 209.50 173.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.25 173.06 Td (288.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.50 173.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.25 173.06 Td (274.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 159.05 Td (Total Citicorp) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.25 159.05 Td (572.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.25 159.06 Td (567.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.25 159.06 Td (565.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 145.06 Td (Total Citi Holdings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.75 145.05 Td (44.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.75 145.06 Td (55.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.75 145.06 Td (79.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 131.05 Td (Total Citigroup loans \(EOP\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.50 131.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.25 131.05 Td (617.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 209.50 131.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.25 131.06 Td (622.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.50 131.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.25 131.06 Td (644.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.50 117.06 Td (Total Citigroup loans \(AVG\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.50 117.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.25 117.05 Td (625.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 209.50 117.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.25 117.06 Td (623.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.50 117.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.25 117.06 Td (650.8) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 93.90 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 93.90 Td (For reporting purposes, includes ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 159.54 93.90 Td (EMEA) Tj ET Q q 0 0 0 rg BT 180.72 93.90 Td ( GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 198.72 93.90 Td ( for all periods presented.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (End-of-period loans declined 4% year) Tj ET Q q 0 0 0 rg BT 493.96 749.10 Td (-over) Tj ET Q q 0 0 0 rg BT 514.86 749.10 Td (-year and 1% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 352.12 737.10 Td (-over) Tj ET Q q 0 0 0 rg BT 373.01 737.10 Td (-quarter) Tj ET Q q 0 0 0 rg BT 404.11 737.10 Td (. Excluding the impact of FX translation, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 365.11 725.10 Td (s end-of-period loans decreased 1% both year) Tj ET Q q 0 0 0 rg BT 547.62 725.10 Td (-over) Tj ET Q q 0 0 0 rg BT 568.52 725.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (year and sequentially) Tj ET Q q 0 0 0 rg BT 408.32 713.10 Td (, in each case driven by continued overall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (declines in Citi Holdings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 689.10 Td (Excluding the impact of FX translation, Citicorp loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (increased 5% year) Tj ET Q q 0 0 0 rg BT 397.09 677.10 Td (-over) Tj ET Q q 0 0 0 rg BT 417.99 677.10 Td (-year) Tj ET Q q 0 0 0 rg BT 437.97 677.10 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 442.97 677.10 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.97 677.10 Td ( loans grew 2% year) Tj ET Q q 0 0 0 rg BT 544.41 677.10 Td (-over) Tj ET Q q 0 0 0 rg BT 565.31 677.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (year) Tj ET Q q 0 0 0 rg BT 340.81 665.10 Td (, driven by 3% growth in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 443.29 665.10 Td (North ) Tj ET Q q 0 0 0 rg BT 468.95 665.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.83 665.10 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 507.83 665.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.05 665.10 Td ( loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (increased 8% year) Tj ET Q q 0 0 0 rg BT 397.09 653.10 Td (-over) Tj ET Q q 0 0 0 rg BT 417.99 653.10 Td (-year) Tj ET Q q 0 0 0 rg BT 437.97 653.10 Td (. ) Tj ET Q q 0 0 0 rg BT 442.79 653.10 Td (W) Tj ET Q q 0 0 0 rg BT 451.83 653.10 Td (ithin ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 472.67 653.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.89 653.10 Td (, corporate loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (increased 9% driven by both new business and the funding of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (prior commitments. ) Tj ET Q q 0 0 0 rg BT 405.20 629.10 Td (T) Tj ET Q q 0 0 0 rg BT 410.95 629.10 Td (reasury and trade solutions loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (declined 3%, as Citi continued to distribute a significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (portion of its trade loan originations, which allows it to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (support its clients while maintaining balance sheet discipline ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (in a continued low spread environment. Private bank, markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (and securities services and other loans grew 14% year) Tj ET Q q 0 0 0 rg BT 539.83 569.10 Td (-over) Tj ET Q q 0 0 0 rg BT 560.73 569.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (year) Tj ET Q q 0 0 0 rg BT 340.66 557.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 545.10 Td (Citi Holdings loans decreased 43% year) Tj ET Q q 0 0 0 rg BT 502.03 545.10 Td (-over) Tj ET Q q 0 0 0 rg BT 522.93 545.10 Td (-year driven ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (by over $21 billion of reductions in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 468.15 533.10 Td (North ) Tj ET Q q 0 0 0 rg BT 493.80 533.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.68 533.10 Td ( mortgages, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (including transfers to held-for) Tj ET Q q 0 0 0 rg BT 443.49 521.10 Td (-sale \(see Note 15 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (Consolidated Financial Statements\), as well as the sale of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (OneMain Financial, which was completed during the fourth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (quarter of 2015. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (Deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (Deposits are Citi) Tj ET Q q 0 0 0 rg BT 393.99 449.10 Td (s primary and lowest cost funding source. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (The table below sets forth the end-of-period deposits, by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (business and/or segment, and the total average deposits for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (each of the periods indicated:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 379.60 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 379.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 379.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 379.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 351.60 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 351.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 351.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 351.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 323.60 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 323.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 323.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 323.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 295.60 131.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 295.60 40.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 295.60 40.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 295.60 40.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 258.60 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 258.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 258.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 258.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 230.60 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 230.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 230.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 230.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 202.60 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 202.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 202.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 202.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 174.60 131.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 174.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 174.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 174.60 40.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 379.6 m 455.5 379.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 379.6 m 495.5 379.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 379.6 m 535.5 379.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 379.6 m 575.5 379.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 323.6 m 455.5 323.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 323.6 m 495.5 323.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 323.6 m 535.5 323.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 323.6 m 575.5 323.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 323.6 m 575.5 323.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 244.60000000000002 m 455.5 244.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 244.60000000000002 m 495.5 244.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 244.60000000000002 m 535.5 244.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 244.60000000000002 m 575.5 244.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 244.60000000000002 m 535.5 244.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 216.60000000000002 m 455.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 216.60000000000002 m 495.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 216.60000000000002 m 535.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 216.60000000000002 m 575.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 216.60000000000002 m 575.5 216.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 188.60000000000002 m 455.5 188.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 188.60000000000002 m 495.5 188.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 188.60000000000002 m 535.5 188.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 188.60000000000002 m 575.5 188.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 174.60000000000002 m 455.5 174.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 174.60000000000002 m 495.5 174.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 174.60000000000002 m 535.5 174.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 188.60000000000002 m 575.5 188.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 174.60000000000002 m 575.5 174.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 160.60000000000002 m 455.5 160.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 174.60000000000002 m 495.5 174.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 160.60000000000002 m 495.5 160.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 174.60000000000002 m 535.5 174.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 160.60000000000002 m 535.5 160.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 160.60000000000002 m 575.5 160.60000000000002 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 327.00 383.85 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.85 393.05 Td (Dec. 31, ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 384.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.10 393.06 Td (Sept. 30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 384.06 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.85 393.06 Td (Dec. 31, ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.00 384.06 Td (2014) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 327.00 370.05 Td (Global Consumer Banking) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 333.00 356.05 Td (North America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 356.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 356.05 Td (172.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 356.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 356.06 Td (170.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 356.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 356.06 Td (171.4) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 333.00 342.05 Td (Latin America) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.25 342.05 Td (40.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.25 342.06 Td (38.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 342.06 Td (43.7) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 333.00 328.05 Td (Asia) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 349.00 332.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.25 328.05 Td (87.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.25 328.06 Td (87.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 328.06 Td (89.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.50 314.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 314.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 314.05 Td (301.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 314.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 314.06 Td (296.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 314.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 314.06 Td (304.3) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 327.00 300.05 Td (Institutional Clients Group) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 286.06 Td (Treasury and trade solutions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 277.06 Td (\(TTS\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 277.05 Td (392.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 277.06 Td (398.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 277.06 Td (378.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 263.06 Td (Banking ex-TTS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 263.05 Td (118.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 263.06 Td (117.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 263.06 Td (94.5) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 333.00 249.05 Td (Markets and securities services) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.25 249.05 Td (76.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.25 249.06 Td (78.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 249.06 Td (82.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.50 235.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 235.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 235.05 Td (587.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 235.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 235.06 Td (594.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 235.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 235.06 Td (555.4) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 327.00 221.05 Td (Corporate/Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.25 221.05 Td (12.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.75 221.06 Td (5.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 221.06 Td (22.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 207.05 Td (Total Citicorp) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 207.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 207.05 Td (900.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 207.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 207.06 Td (897.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 207.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 207.06 Td (882.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 193.06 Td (Total Citi Holdings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.75 193.05 Td (7.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.75 193.06 Td (7.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 193.06 Td (16.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 179.05 Td (Total Citigroup deposits \(EOP\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 179.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 179.05 Td (907.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 179.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 179.06 Td (904.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 179.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 179.06 Td (899.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 165.06 Td (Total Citigroup deposits \(AVG\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 165.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 165.05 Td (908.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 165.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 165.06 Td (903.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 165.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 165.06 Td (938.7) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 143.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 143.50 Td (For reporting purposes, includes ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 447.54 143.50 Td (EMEA) Tj ET Q q 0 0 0 rg BT 468.72 143.50 Td ( GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.72 143.50 Td ( for all periods presented.) Tj ET Q endstream endobj 185 0 obj <> endobj 186 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (End-of-period deposits increased 1% year) Tj ET Q q 0 0 0 rg BT 221.51 749.10 Td (-over) Tj ET Q q 0 0 0 rg BT 242.41 749.10 Td (-year and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (remained relatively unchanged quarter) Tj ET Q q 0 0 0 rg BT 189.89 737.10 Td (-over) Tj ET Q q 0 0 0 rg BT 210.79 737.10 Td (-quarter) Tj ET Q q 0 0 0 rg BT 241.88 737.10 Td (. Excluding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (the impact of FX translation, Citigroup) Tj ET Q q 0 0 0 rg BT 194.87 725.10 Td (s end-of-period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (deposits increased 4% year) Tj ET Q q 0 0 0 rg BT 144.37 713.10 Td (-over) Tj ET Q q 0 0 0 rg BT 165.27 713.10 Td (-year and 1% sequentially) Tj ET Q q 0 0 0 rg BT 268.74 713.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (despite significant reductions in Citi Holdings deposits from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (the prior) Tj ET Q q 0 0 0 rg BT 69.96 689.10 Td (-year period.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 677.10 Td (Excluding the impact of FX translation, Citicorp deposits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (grew 5% year) Tj ET Q q 0 0 0 rg BT 91.33 665.10 Td (-over) Tj ET Q q 0 0 0 rg BT 112.23 665.10 Td (-year) Tj ET Q q 0 0 0 rg BT 132.21 665.10 Td (. ) Tj ET Q q 0 0 0 rg BT 137.03 665.10 Td (W) Tj ET Q q 0 0 0 rg BT 146.07 665.10 Td (ithin Citicorp, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 204.68 665.10 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.68 665.10 Td ( deposits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (increased 2% year) Tj ET Q q 0 0 0 rg BT 109.09 653.10 Td (-over) Tj ET Q q 0 0 0 rg BT 129.99 653.10 Td (-year) Tj ET Q q 0 0 0 rg BT 150.13 653.10 Td (, driven by 5% growth in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (international deposits. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 126.82 641.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.04 641.10 Td ( deposits increased 9% year) Tj ET Q q 0 0 0 rg BT 254.91 641.10 Td (-over) Tj ET Q q 0 0 0 rg BT 275.80 641.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (year) Tj ET Q q 0 0 0 rg BT 52.81 629.10 Td (, with continued deposit growth in treasury and trade ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (solutions and the private bank. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 605.10 Td (The decline in Citi Holdings deposits from the prior) Tj ET Q q 0 0 0 rg BT 261.54 605.10 Td (-year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (period was primarily driven by the now-complete transfer of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (Mor) Tj ET Q q 0 0 0 rg BT 53.04 581.10 Td (gan Stanley Smith Barney \(MSSB\) deposits to Mor) Tj ET Q q 0 0 0 rg BT 258.69 581.10 Td (gan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (Stanley) Tj ET Q q 0 0 0 rg BT 65.35 569.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td ( ) Tj ET Q q 0 0 0 rg BT 54.00 557.10 Td (Citi monitors its deposit base across multiple dimensions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (including what Citi refers to as LCR value or the liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (value of the deposit base under the U.S. LCR rules \(as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (discussed under Short-T) Tj ET Q q 0 0 0 rg BT 136.95 521.10 Td (erm Liquidity Measurement: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (Liquidity Coverage Ratio \(LCR\) below\). Citi defines the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (liquidity value of deposits as the percentage of deposits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (assumed to remain following a 30-day period of liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (stress. ) Tj ET Q q 0 0 0 rg BT 62.67 473.10 Td (As discussed below) Tj ET Q q 0 0 0 rg BT 140.90 473.10 Td (, under the LCR rules, deposits are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (assigned liquidity values based on expected behavior under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (stress, determined by the type of deposit and the type of client. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 74.77 437.10 Td (, the LCR rules prioritize transactional and operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (accounts of consumers \(including retail and commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (banking deposits\) and corporations respectively) Tj ET Q q 0 0 0 rg BT 226.41 413.10 Td (, while ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (assigning lower liquidity values to non-operating deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (balances of financial institutions. ) Tj ET Q q 0 0 0 rg BT 170.14 389.10 Td (As of December 31, 2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 377.10 Td (s total deposits had an aggregate liquidity value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (approximately 73%, down slightly sequentially and unchanged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (from December 31, 2014. ) Tj ET Q q 0 0 0 rg BT 141.34 353.10 Td (W) Tj ET Q q 0 0 0 rg BT 150.38 353.10 Td (ithin the 73% total liquidity value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (as of year) Tj ET Q q 0 0 0 rg BT 74.67 341.10 Td (-end 2015, Citi) Tj ET Q q 0 0 0 rg BT 137.72 341.10 Td (s ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 144.11 341.10 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.11 341.10 Td ( deposits had a liquidity value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (of approximately 87% and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 144.86 329.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.08 329.10 Td ( deposits, including ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 242.63 329.10 Td (Corporate/) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.33 317.10 Td (, had a liquidity value of approximately 66%. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (Long-T) Tj ET Q q 0 0 0 rg BT 67.31 293.10 Td (erm Debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (Long-term debt \(generally defined as debt with original ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (maturities of one year or more\) represents the most significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (component of Citi) Tj ET Q q 0 0 0 rg BT 111.55 257.10 Td (s funding for the parent entities and is a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (supplementary source of funding for the bank entities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 233.10 Td (Long-term debt is an important funding source due in part ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (to its multi-year contractual maturity structure. ) Tj ET Q q 0 0 0 rg BT 225.48 221.10 Td (The weighted-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (average maturities of unsecured long-term debt issued by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (Citigroup and its af) Tj ET Q q 0 0 0 rg BT 113.31 197.10 Td (filiates \(including Citibank\) with a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (remaining life greater than one year \(excluding remaining trust ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (preferred securities outstanding\) was approximately 6.9years ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.66 161.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.24 161.10 Td (, unchanged from the prior) Tj ET Q q 0 0 0 rg BT 242.95 161.10 Td (-year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (period and a slight increase sequentially) Tj ET Q q 0 0 0 rg BT 195.58 149.10 Td (, due in part to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (issuance of longer) Tj ET Q q 0 0 0 rg BT 108.55 137.10 Td (-dated debt securities and the redemption of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (shorter) Tj ET Q q 0 0 0 rg BT 63.57 125.10 Td (-dated debt securities during the fourth quarter of 2015.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 113.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 113.10 Td (s long-term debt outstanding at the parent includes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (senior and subordinated debt and what Citi refers to as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (customer) Tj ET Q q 0 0 0 rg BT 72.46 89.10 Td (-related debt, consisting of structured notes, such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (equity- and credit-linked notes, as well as non-structured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (notes. Citi) Tj ET Q q 0 0 0 rg BT 79.89 65.10 Td (s issuance of customer) Tj ET Q q 0 0 0 rg BT 169.95 65.10 Td (-related debt is generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (driven by customer demand and supplements benchmark debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (issuance as a source of funding for Citi) Tj ET Q q 0 0 0 rg BT 483.13 749.10 Td (s parent entities. Citi) Tj ET Q q 0 0 0 rg BT 568.67 749.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (long-term debt at the bank also includes FHLB advances and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (securitizations. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (Long-T) Tj ET Q q 0 0 0 rg BT 354.19 701.10 Td (erm Debt Outstanding) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (The following table sets forth Citi) Tj ET Q q 0 0 0 rg BT 462.59 689.10 Td (s total long-term debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (outstanding for the periods indicated:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 643.60 132.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 643.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 643.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 643.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 619.60 132.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 619.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 619.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 619.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 595.60 132.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 595.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 595.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 595.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 571.60 132.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 571.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 571.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 571.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 547.60 132.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 547.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 547.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 547.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 523.60 132.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 523.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 523.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 523.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 499.60 132.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 499.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 499.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 499.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 475.60 132.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 475.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 475.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 475.60 40.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 643.6 m 456.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 643.6 m 496.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 643.6 m 536.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 643.6 m 576.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 643.6 m 536.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 535.6 m 456.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 535.6 m 496.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 535.6 m 536.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 535.6 m 576.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 523.6 m 456.5 523.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 523.6 m 496.5 523.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 523.6 m 536.5 523.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 523.6 m 576.5 523.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 523.6 m 576.5 523.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 475.6 m 456.5 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 475.6 m 496.5 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 475.6 m 536.5 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 475.6 m 576.5 475.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 463.6 m 456.5 463.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 451.6 m 456.5 451.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 463.6 m 496.5 463.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 451.6 m 496.5 451.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 463.6 m 536.5 463.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 451.6 m 536.5 451.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 463.6 m 576.5 463.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 451.6 m 576.5 451.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 327.00 647.85 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.85 657.05 Td (Dec. 31, ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.00 648.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.10 657.06 Td (Sept. 30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 648.06 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.85 657.06 Td (Dec. 31, ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.00 648.06 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 635.00 Td (Parent) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 622.86 Td (Benchmark debt:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 610.86 Td (Senior debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.00 611.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.90 611.00 Td (90.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 610.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.90 610.86 Td (99.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 610.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 610.86 Td (97.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 598.86 Td (Subordinated debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.90 599.00 Td (26.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.90 598.86 Td (26.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 598.86 Td (25.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 586.86 Td (Trust preferred) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.40 587.00 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.40 586.86 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 586.86 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 574.86 Td (Customer-related debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 562.86 Td (Structured debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.90 563.00 Td (21.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.90 562.86 Td (23.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 562.86 Td (22.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 550.86 Td (Non-structured debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.40 551.00 Td (3.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.40 550.86 Td (3.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 550.86 Td (5.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 538.86 Td (Local country and other) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 413.22 542.94 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.40 539.00 Td (2.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.40 538.86 Td (2.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 538.86 Td (4.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 527.00 Td (Total parent) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.00 527.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.35 527.00 Td (146.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 526.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.35 526.86 Td (156.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 526.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.35 526.86 Td (158.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 515.00 Td (Bank) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 502.86 Td (FHLB borrowings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.00 503.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.90 503.00 Td (17.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 502.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.90 502.86 Td (17.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 502.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 502.86 Td (19.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 490.86 Td (Securitizations) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 380.49 494.94 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.90 491.00 Td (30.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.90 490.86 Td (32.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 490.86 Td (38.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 478.86 Td (Local country and other) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 413.22 482.94 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.40 479.00 Td (6.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.40 478.86 Td (7.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 478.86 Td (7.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 467.00 Td (Total bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.00 467.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.90 467.00 Td (55.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 466.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.90 466.86 Td (56.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 466.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 466.86 Td (65.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 455.00 Td (Total long-term debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.00 455.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.35 455.00 Td (201.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 454.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.35 454.86 Td (213.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 454.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.35 454.86 Td (223.1) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 434.50 Td (Note: ) Tj ET Q q 0 0 0 rg BT 343.33 434.50 Td (Amounts represent the current value of long-term debt on Citi) Tj ET Q q 0 0 0 rg BT 543.95 434.50 Td (s ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 424.90 Td (Consolidated Balance Sheet which, for certain debt instruments, includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 415.30 Td (consideration of fair value, hedging impacts and unamortized discounts and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 405.70 Td (premiums.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 396.10 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 396.10 Td (Local country debt includes debt issued by Citi) Tj ET Q q 0 0 0 rg BT 495.08 396.10 Td (s af) Tj ET Q q 0 0 0 rg BT 506.27 396.10 Td (filiates in support of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 386.50 Td (their local operations.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 376.90 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 376.90 Td (Predominantly credit card securitizations, primarily backed by Citi-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 367.30 Td (branded credit card receivables.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 345.70 Td (Citi) Tj ET Q q 0 0 0 rg BT 359.78 345.70 Td (s total long-term debt outstanding decreased both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 333.70 Td (year) Tj ET Q q 0 0 0 rg BT 341.01 333.70 Td (-over) Tj ET Q q 0 0 0 rg BT 361.91 333.70 Td (-year and quarter) Tj ET Q q 0 0 0 rg BT 430.00 333.70 Td (-over) Tj ET Q q 0 0 0 rg BT 450.89 333.70 Td (-quarter) Tj ET Q q 0 0 0 rg BT 482.14 333.70 Td (, primarily due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 321.70 Td (significant buybacks of senior and subordinated debt at the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 309.70 Td (parent level during the fourth quarter of 2015 \(discussed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 297.70 Td (below\), as well as continued reductions in securitizations at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 285.70 Td (the bank entities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 273.70 Td (As part of its liability management, Citi has considered, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 261.70 Td (and may continue to consider) Tj ET Q q 0 0 0 rg BT 441.34 261.70 Td (, opportunities to repurchase its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 249.70 Td (long-term debt pursuant to open market purchases, tender ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 237.70 Td (of) Tj ET Q q 0 0 0 rg BT 332.15 237.70 Td (fers or other means. Such repurchases help reduce Citi) Tj ET Q q 0 0 0 rg BT 552.91 237.70 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 225.70 Td (overall funding costs and assist it in meeting regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 213.70 Td (changes and requirements. During 2015, Citi repurchased an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 201.70 Td (aggregate of approximately $21.1 billion of its outstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 189.70 Td (long-term debt, including early redemptions of FHLB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 177.70 Td (advances. Of this amount, approximately $1) Tj ET Q q 0 0 0 rg BT 500.53 177.70 Td (1.5 billion was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 165.70 Td (repurchased in the fourth quarter of 2015 as Citi completed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 153.70 Td (significant asset sales in Citi Holdings, including the OneMain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 141.70 Td (Financial business. ) Tj ET Q q 0 0 0 rg BT 402.05 141.70 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 451.39 141.70 Td (, while Citi anticipates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 129.70 Td (continued liability management activities in 2016, it does not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 117.70 Td (currently expect repurchases to remain at the level ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 105.70 Td (experienced in 2015. ) Tj ET Q endstream endobj 187 0 obj <> endobj 188 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (91) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Long-T) Tj ET Q q 0 0 0 rg BT 66.19 749.25 Td (erm Debt Issuances and Maturities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (The table below details Citi) Tj ET Q q 0 0 0 rg BT 149.31 737.25 Td (s long-term debt issuances and maturities \(including repurchases and redemptions\) during the periods ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (presented:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 685.75 222.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 685.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 685.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.50 685.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 685.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 685.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 685.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 657.75 222.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 657.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 657.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.50 657.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 657.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 657.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 657.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 629.75 222.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 629.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 629.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.50 629.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 629.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 629.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 629.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 601.75 222.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 601.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 601.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.50 601.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 601.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 601.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 601.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 573.75 222.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 573.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 573.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.50 573.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 573.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 573.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 573.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 545.75 222.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 545.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 545.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.50 545.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 545.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 545.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 545.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 517.75 222.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 517.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 517.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.50 517.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 517.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 517.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 517.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 489.75 222.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 489.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 489.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.50 489.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 489.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 489.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 489.75 53.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 699.75 m 311.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 699.75 m 364.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 699.75 m 417.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 699.75 m 470.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 699.75 m 523.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 699.75 m 576.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 685.75 m 258.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 685.75 m 311.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 685.75 m 364.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 699.75 m 417.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 685.75 m 417.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 699.75 m 470.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 685.75 m 470.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 699.75 m 523.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 685.75 m 523.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 699.75 m 576.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 685.75 m 576.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 685.75 m 311.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 685.75 m 364.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 685.75 m 364.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 685.75 m 417.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 685.75 m 470.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 685.75 m 470.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 685.75 m 523.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 685.75 m 576.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 671.75 m 364.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 671.75 m 470.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 657.75 m 364.5 643.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 657.75 m 470.5 643.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 643.75 m 364.5 629.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 643.75 m 470.5 629.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 629.75 m 364.5 615.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 629.75 m 470.5 615.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 615.75 m 364.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 615.75 m 470.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 601.75 m 364.5 587.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 601.75 m 470.5 587.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 587.75 m 364.5 573.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 587.75 m 470.5 573.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 559.75 m 258.5 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 559.75 m 311.5 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 573.75 m 364.5 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 559.75 m 364.5 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 559.75 m 417.5 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 573.75 m 470.5 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 559.75 m 470.5 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 559.75 m 523.5 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 559.75 m 576.5 559.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 545.75 m 258.5 545.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 545.75 m 311.5 545.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 559.75 m 364.5 545.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 545.75 m 364.5 545.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 545.75 m 417.5 545.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 559.75 m 470.5 545.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 545.75 m 470.5 545.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 545.75 m 523.5 545.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 545.75 m 576.5 545.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 545.75 m 364.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 545.75 m 470.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 531.75 m 364.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 531.75 m 470.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 517.75 m 364.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 517.75 m 470.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 489.75 m 258.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 489.75 m 311.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 503.75 m 364.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 489.75 m 364.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 489.75 m 417.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 503.75 m 470.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 489.75 m 470.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 489.75 m 523.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 489.75 m 576.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 489.75 m 364.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 489.75 m 470.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 475.75 m 258.5 475.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 461.75 m 258.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 475.75 m 311.5 475.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 461.75 m 311.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 475.75 m 364.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 475.75 m 364.5 475.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 461.75 m 364.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 475.75 m 417.5 475.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 461.75 m 417.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 475.75 m 470.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 475.75 m 470.5 475.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 461.75 m 470.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 475.75 m 523.5 475.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 461.75 m 523.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 475.75 m 576.5 475.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 461.75 m 576.5 461.75 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 39.00 704.43 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.00 704.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 704.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 704.21 Td (2013) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 690.00 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.25 690.20 Td (Maturities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.20 690.20 Td (Issuances) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 690.21 Td (Maturities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 690.21 Td (Issuances) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 690.21 Td (Maturities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.25 690.21 Td (Issuances) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 676.20 Td (Parent) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 662.21 Td (Benchmark debt:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 648.21 Td (Senior debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.00 648.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.90 648.20 Td (23.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 648.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.90 648.20 Td (20.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 648.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.90 648.21 Td (18.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 648.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.90 648.21 Td (18.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 648.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.90 648.21 Td (25.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 648.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 648.21 Td (17.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 634.21 Td (Subordinated debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.40 634.20 Td (4.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.40 634.20 Td (7.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.40 634.21 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.40 634.21 Td (2.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.40 634.21 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 634.21 Td (4.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 620.21 Td (Trust preferred) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.65 620.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.65 620.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.40 620.21 Td (2.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.65 620.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.40 620.21 Td (6.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.65 620.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 606.21 Td (Customer-related debt:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 592.21 Td (Structured debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.40 592.20 Td (7.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.40 592.20 Td (9.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.40 592.21 Td (7.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.40 592.21 Td (9.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.40 592.21 Td (8.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 592.21 Td (7.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 578.21 Td (Non-structured debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.40 578.20 Td (2.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.40 578.20 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.40 578.21 Td (2.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.40 578.21 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.40 578.21 Td (3.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 578.21 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 564.21 Td (Local country and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.40 564.20 Td (0.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.40 564.20 Td (1.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.40 564.21 Td (2.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.40 564.21 Td (3.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.40 564.21 Td (0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.65 564.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 550.20 Td (Total parent) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.00 550.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.90 550.20 Td (38.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 550.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.90 550.20 Td (39.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 550.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.90 550.21 Td (38.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 550.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.90 550.21 Td (36.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 550.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.90 550.21 Td (46.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 550.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 550.21 Td (30.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 536.20 Td (Bank) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 522.21 Td (FHLB borrowings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.00 522.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.40 522.20 Td (4.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 522.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.40 522.20 Td (2.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 522.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.40 522.21 Td (8.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 522.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.90 522.21 Td (13.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 522.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.90 522.21 Td (11.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 522.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 522.21 Td (9.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 508.21 Td (Securitizations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.40 508.20 Td (7.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.40 508.20 Td (0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.40 508.21 Td (8.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.90 508.21 Td (13.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.40 508.21 Td (2.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 508.21 Td (11.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 494.21 Td (Local country and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.40 494.20 Td (2.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.40 494.20 Td (2.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.40 494.21 Td (3.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.40 494.21 Td (3.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.40 494.21 Td (3.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 494.21 Td (2.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 480.20 Td (Total bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.00 480.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.90 480.20 Td (14.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 480.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.40 480.20 Td (5.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 480.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.90 480.21 Td (20.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 480.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.90 480.21 Td (30.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 480.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.90 480.21 Td (17.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 480.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 480.21 Td (23.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 466.20 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.00 466.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.90 466.20 Td (52.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 466.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.90 466.20 Td (44.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 466.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.90 466.21 Td (58.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 466.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.90 466.21 Td (66.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 466.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.90 466.21 Td (63.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 466.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 466.21 Td (54.4) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 432.65 Td (The table below shows Citi) Tj ET Q q 0 0 0 rg BT 148.21 432.65 Td (s aggregate long-term debt maturities \(including repurchases and redemptions\) in 2015, as well as its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 420.65 Td (aggregate expected annual long-term debt maturities as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.35 420.65 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.93 420.65 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 382.15 204.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 382.15 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 382.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 382.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 382.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 382.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 382.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 382.15 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 382.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 354.15 204.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 354.15 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 354.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 354.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 354.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 354.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 354.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 354.15 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 354.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 326.15 204.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 326.15 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 326.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 326.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 326.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 326.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 326.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 326.15 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 326.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 298.15 204.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 298.15 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 298.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 298.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 298.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 298.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 298.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 298.15 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 298.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 270.15 204.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 270.15 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 270.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 270.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 270.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 270.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 270.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 270.15 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 270.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 242.15 204.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 242.15 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 242.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 242.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 242.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 242.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 242.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 242.15 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 242.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 214.15 204.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 214.15 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 214.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 214.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 214.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 214.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 214.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 214.15 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 214.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 186.15 204.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 186.15 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 186.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 186.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 186.15 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 186.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 186.15 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 186.15 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 186.15 41.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 382.15 m 240.5 382.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 382.15 m 287.5 382.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 396.15 m 287.5 382.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 396.15 m 489.5 382.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 396.15 m 535.5 382.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 382.15 m 287.5 368.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 382.15 m 287.5 382.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 382.15 m 328.5 382.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 382.15 m 368.5 382.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 382.15 m 409.5 382.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 382.15 m 449.5 382.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 382.15 m 489.5 368.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 382.15 m 489.5 382.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 382.15 m 535.5 368.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 382.15 m 535.5 382.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 382.15 m 576.5 382.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 368.15 m 287.5 354.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 368.15 m 489.5 354.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 368.15 m 535.5 354.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 354.15 m 287.5 340.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 354.15 m 489.5 340.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 354.15 m 535.5 340.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 340.15 m 287.5 326.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 340.15 m 489.5 326.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 340.15 m 535.5 326.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 326.15 m 287.5 312.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 326.15 m 489.5 312.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 326.15 m 535.5 312.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 312.15 m 287.5 298.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 312.15 m 489.5 298.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 312.15 m 535.5 298.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 298.15 m 287.5 284.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 298.15 m 489.5 284.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 298.15 m 535.5 284.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 284.15 m 287.5 270.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 284.15 m 489.5 270.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 284.15 m 535.5 270.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 256.15 m 240.5 256.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 270.15 m 287.5 256.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 256.15 m 287.5 256.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 256.15 m 328.5 256.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 270.15 m 489.5 256.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 256.15 m 489.5 256.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 270.15 m 535.5 256.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 256.15 m 535.5 256.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 242.14999999999998 m 240.5 242.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 256.15 m 287.5 242.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 242.14999999999998 m 287.5 242.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 242.14999999999998 m 328.5 242.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 256.15 m 368.5 256.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 242.14999999999998 m 368.5 242.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 256.15 m 409.5 256.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 242.14999999999998 m 409.5 242.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 256.15 m 449.5 256.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 242.14999999999998 m 449.5 242.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 256.15 m 489.5 242.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 242.14999999999998 m 489.5 242.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 242.14999999999998 m 535.5 242.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 256.15 m 535.5 242.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 256.15 m 576.5 256.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 242.14999999999998 m 576.5 242.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 242.14999999999998 m 287.5 228.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 242.14999999999998 m 489.5 228.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 242.14999999999998 m 535.5 228.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 242.14999999999998 m 535.5 228.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 228.14999999999998 m 287.5 214.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 228.14999999999998 m 489.5 214.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 228.14999999999998 m 535.5 214.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 214.14999999999998 m 287.5 200.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 214.14999999999998 m 489.5 200.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 214.14999999999998 m 535.5 200.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 186.14999999999998 m 240.5 186.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 200.14999999999998 m 287.5 186.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 186.14999999999998 m 287.5 186.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 186.14999999999998 m 328.5 186.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 186.14999999999998 m 368.5 186.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 186.14999999999998 m 409.5 186.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 186.14999999999998 m 449.5 186.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 200.14999999999998 m 489.5 186.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 186.14999999999998 m 489.5 186.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 200.14999999999998 m 535.5 186.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 186.14999999999998 m 535.5 186.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 186.14999999999998 m 287.5 172.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 172.14999999999998 m 287.5 172.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 172.14999999999998 m 328.5 172.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 172.14999999999998 m 368.5 172.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 172.14999999999998 m 409.5 172.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 172.14999999999998 m 449.5 172.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 186.14999999999998 m 489.5 172.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 172.14999999999998 m 489.5 172.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 172.14999999999998 m 535.5 172.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 186.14999999999998 m 535.5 172.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 186.14999999999998 m 576.5 186.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 172.14999999999998 m 240.5 172.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 158.14999999999998 m 240.5 158.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 172.14999999999998 m 287.5 158.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 158.14999999999998 m 287.5 158.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 158.14999999999998 m 328.5 158.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 158.14999999999998 m 368.5 158.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 158.14999999999998 m 409.5 158.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 158.14999999999998 m 449.5 158.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 172.14999999999998 m 489.5 158.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 158.14999999999998 m 489.5 158.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 158.14999999999998 m 535.5 158.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 172.14999999999998 m 535.5 158.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 172.14999999999998 m 576.5 172.14999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 158.14999999999998 m 576.5 158.14999999999998 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 400.60 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 243.25 395.60 Td (Maturities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.50 386.60 Td (2015) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 386.40 Td (In billions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.50 386.61 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 386.61 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 386.61 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 386.61 Td (2019) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.00 386.61 Td (2020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.25 386.61 Td (Thereafter) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.30 386.61 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 372.60 Td (Parent) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 358.61 Td (Benchmark debt:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 344.61 Td (Senior debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 243.00 344.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.90 344.60 Td (23.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 344.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.90 344.61 Td (11.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 344.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.90 344.61 Td (14.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 344.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.90 344.61 Td (17.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 344.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.90 344.61 Td (13.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 344.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.40 344.61 Td (6.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 344.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.90 344.61 Td (26.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 344.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 344.61 Td (90.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 330.61 Td (Subordinated debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.40 330.60 Td (4.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.40 330.61 Td (1.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.40 330.61 Td (2.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.40 330.61 Td (1.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.40 330.61 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.65 330.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.90 330.61 Td (20.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 330.61 Td (26.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 316.61 Td (Trust preferred) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.65 316.60 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.65 316.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.65 316.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.65 316.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.65 316.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.65 316.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.40 316.61 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 316.61 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 302.61 Td (Customer-related debt:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 288.61 Td (Structured debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.40 288.60 Td (7.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.40 288.61 Td (4.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.40 288.61 Td (2.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.40 288.61 Td (2.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.40 288.61 Td (1.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.40 288.61 Td (2.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.40 288.61 Td (8.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 288.61 Td (21.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 274.61 Td (Non-structured debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.40 274.60 Td (2.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.40 274.61 Td (0.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.40 274.61 Td (0.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.40 274.61 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.40 274.61 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.40 274.61 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.40 274.61 Td (1.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 274.61 Td (3.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 260.61 Td (Local country and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.40 260.60 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.40 260.61 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.40 260.61 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.40 260.61 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.40 260.61 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.65 260.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.40 260.61 Td (1.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 260.61 Td (2.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 246.60 Td (Total parent) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 243.00 246.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.90 246.60 Td (38.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 246.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.90 246.61 Td (19.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 246.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.90 246.61 Td (19.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 246.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.90 246.61 Td (22.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 246.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.90 246.61 Td (16.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 246.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.40 246.61 Td (8.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 246.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.90 246.61 Td (59.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 246.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.40 246.61 Td (146.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 232.60 Td (Bank) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 218.61 Td (FHLB borrowings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 243.00 218.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.40 218.60 Td (4.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 218.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.40 218.61 Td (9.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 218.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.40 218.61 Td (7.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 218.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.40 218.61 Td (0.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 218.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.65 218.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 218.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.65 218.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 218.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.65 218.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 218.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 218.61 Td (17.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 204.61 Td (Securitizations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.40 204.60 Td (7.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.90 204.61 Td (11.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.40 204.61 Td (5.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.40 204.61 Td (8.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.40 204.61 Td (2.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.40 204.61 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.40 204.61 Td (3.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 204.61 Td (30.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 190.61 Td (Local country and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.40 190.60 Td (2.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.40 190.61 Td (3.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.40 190.61 Td (1.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.40 190.61 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.40 190.61 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.40 190.61 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.40 190.61 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.40 190.61 Td (6.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 176.60 Td (Total bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 243.00 176.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.90 176.60 Td (14.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 176.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.90 176.61 Td (24.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 176.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.90 176.61 Td (14.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 176.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.40 176.61 Td (9.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 176.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.40 176.61 Td (2.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 176.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.40 176.61 Td (0.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 176.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.40 176.61 Td (3.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 176.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.90 176.61 Td (55.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 162.60 Td (Total long-term debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 243.00 162.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.90 162.60 Td (52.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 162.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.90 162.61 Td (43.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 162.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.90 162.61 Td (34.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 162.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.90 162.61 Td (31.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 162.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.90 162.61 Td (19.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 162.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.40 162.61 Td (9.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 162.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.90 162.61 Td (63.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 162.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.40 162.61 Td (201.3) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 189 0 obj <> endobj 190 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (92) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (T) Tj ET Q q 0 0 0 rg BT 41.19 749.25 Td (otal Loss-Absorbing Capacity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 162.87 749.25 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 165.37 749.25 Td (\(TLAC\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (In November 2015, the Federal Reserve Board issued a notice ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (of proposed rulemaking that would impose minimum loss-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (absorbing capacity and long-term debt requirements on global ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (systemically important bank holding companies \(GSIBs\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (including Citi, the intended purpose of which would be to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (facilitate the orderly resolution of U.S. GSIBs under the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (Bankruptcy Code and ) Tj ET Q q 0 0 0 rg BT 125.52 665.25 Td (T) Tj ET Q q 0 0 0 rg BT 131.28 665.25 Td (itle II of the Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 232.09 665.25 Td (Act. ) Tj ET Q q 0 0 0 rg BT 253.85 665.25 Td (There ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (are significant uncertainties and interpretive issues arising ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (from the Federal Reserve Board) Tj ET Q q 0 0 0 rg BT 167.06 641.25 Td (s proposal. For additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (information, see Risk FactorsLiquidity Risks above. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (an additional discussion of the method 1 and method 2 GSIB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (capital surchar) Tj ET Q q 0 0 0 rg BT 94.40 605.25 Td (ge methodology as well as other regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (capital aspects of the ) Tj ET Q q 0 0 0 rg BT 121.89 593.25 Td (TLAC proposal, see Capital Resources ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (above. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 569.25 Td (Pursuant to the proposal, U.S. GSIBs would be required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (to issue and maintain minimum levels of external ) Tj ET Q q 0 0 0 rg BT 235.78 557.25 Td (TLAC and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (eligible long-term debt \(L) Tj ET Q q 0 0 0 rg BT 138.66 545.25 Td (TD\), each set by reference to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (GSIB) Tj ET Q q 0 0 0 rg BT 61.56 533.25 Td (s consolidated risk-weighted assets \(R) Tj ET Q q 0 0 0 rg BT 213.76 533.25 Td (W) Tj ET Q q 0 0 0 rg BT 222.09 533.25 Td (A\) and total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (leverage exposure. ) Tj ET Q q 0 0 0 rg BT 115.78 521.25 Td (The proposed minimum external ) Tj ET Q q 0 0 0 rg BT 248.90 521.25 Td (TLAC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (requirement would be the greater of \(i\) 18% of the GSIB) Tj ET Q q 0 0 0 rg BT 265.93 509.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (R) Tj ET Q q 0 0 0 rg BT 42.12 497.25 Td (W) Tj ET Q q 0 0 0 rg BT 50.45 497.25 Td (A) Tj ET Q q 0 0 0 rg BT 57.12 497.25 Td ( plus the applicable external ) Tj ET Q q 0 0 0 rg BT 171.62 497.25 Td (TLAC buf) Tj ET Q q 0 0 0 rg BT 213.37 497.25 Td (fer and \(ii\) 9.5% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (of its total leverage exposure. ) Tj ET Q q 0 0 0 rg BT 156.33 485.25 Td (The applicable external ) Tj ET Q q 0 0 0 rg BT 252.49 485.25 Td (TLAC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (buf) Tj ET Q q 0 0 0 rg BT 49.15 473.25 Td (fer equals the 2.5% capital conservation buf) Tj ET Q q 0 0 0 rg BT 224.74 473.25 Td (fer) Tj ET Q q 0 0 0 rg BT 235.43 473.25 Td (, plus any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (applicable countercyclical capital buf) Tj ET Q q 0 0 0 rg BT 185.46 461.25 Td (fer) Tj ET Q q 0 0 0 rg BT 196.16 461.25 Td (, plus the GSIB) Tj ET Q q 0 0 0 rg BT 260.61 461.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (capital surchar) Tj ET Q q 0 0 0 rg BT 94.40 449.25 Td (ge as determined under method 1 of the GSIB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (surchar) Tj ET Q q 0 0 0 rg BT 65.25 437.25 Td (ge rule. ) Tj ET Q q 0 0 0 rg BT 97.18 437.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 146.52 437.25 Td (, Citi) Tj ET Q q 0 0 0 rg BT 169.30 437.25 Td (s total estimated current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (TLAC requirement would be 22.5% of R) Tj ET Q q 0 0 0 rg BT 200.14 425.25 Td (W) Tj ET Q q 0 0 0 rg BT 208.47 425.25 Td (A) Tj ET Q q 0 0 0 rg BT 215.14 425.25 Td ( under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (proposal. Breach of the proposed external ) Tj ET Q q 0 0 0 rg BT 205.48 413.25 Td (TLAC buf) Tj ET Q q 0 0 0 rg BT 247.24 413.25 Td (fer would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (subject the GSIB to restrictions on distributions and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (discretionary bonus payments. ) Tj ET Q q 0 0 0 rg BT 160.24 389.25 Td (The proposed minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (external L) Tj ET Q q 0 0 0 rg BT 75.89 377.25 Td (TD requirement would be the greater of \(i\) 6% of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (the GSIB) Tj ET Q q 0 0 0 rg BT 76.28 365.25 Td (s R) Tj ET Q q 0 0 0 rg BT 88.79 365.25 Td (W) Tj ET Q q 0 0 0 rg BT 97.12 365.25 Td (A) Tj ET Q q 0 0 0 rg BT 103.79 365.25 Td ( plus its capital surchar) Tj ET Q q 0 0 0 rg BT 195.80 365.25 Td (ge as determined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (under method 2 of the GSIB surchar) Tj ET Q q 0 0 0 rg BT 181.34 353.25 Td (ge rule, for a total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.25 Td (estimated current requirement of 9% of R) Tj ET Q q 0 0 0 rg BT 202.05 341.25 Td (W) Tj ET Q q 0 0 0 rg BT 210.38 341.25 Td (A) Tj ET Q q 0 0 0 rg BT 217.05 341.25 Td ( for Citi and \(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.25 Td (4.5% of the GSIB) Tj ET Q q 0 0 0 rg BT 110.44 329.25 Td (s total leverage exposure. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 317.25 Td (As proposed, external ) Tj ET Q q 0 0 0 rg BT 143.79 317.25 Td (TLAC would generally include \(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.25 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 104.71 305.25 Td (T) Tj ET Q q 0 0 0 rg BT 110.47 305.25 Td (ier 1 Capital and ) Tj ET Q q 0 0 0 rg BT 178.78 305.25 Td (Additional ) Tj ET Q q 0 0 0 rg BT 223.88 305.25 Td (T) Tj ET Q q 0 0 0 rg BT 229.63 305.25 Td (ier 1 Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.25 Td (issued directly by the bank holding company plus \(ii\) eligible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.25 Td (external L) Tj ET Q q 0 0 0 rg BT 75.89 281.25 Td (TD. Eligible external L) Tj ET Q q 0 0 0 rg BT 168.28 281.25 Td (TD, which is a subcategory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.25 Td (of external ) Tj ET Q q 0 0 0 rg BT 81.35 269.25 Td (TLAC, would include unsecured, plain vanilla ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.25 Td (debt securities \(i.e., would not include structured notes or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.25 Td (securities containing derivative-linked features\) issued directly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.25 Td (by the bank holding company) Tj ET Q q 0 0 0 rg BT 154.22 233.25 Td (, governed by U.S. law and with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.25 Td (a remaining maturity greater than one year) Tj ET Q q 0 0 0 rg BT 205.93 221.25 Td (. Further) Tj ET Q q 0 0 0 rg BT 242.46 221.25 Td (, pursuant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.25 Td (to what has been referred to as the haircut provision, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.25 Td (otherwise eligible external L) Tj ET Q q 0 0 0 rg BT 149.76 197.25 Td (TD with a remaining maturity of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.25 Td (less than two years would be subject to a 50% haircut for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.25 Td (purposes of meeting the minimum external L) Tj ET Q q 0 0 0 rg BT 215.59 173.25 Td (TD requirement. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.25 Td (In addition, otherwise eligible external L) Tj ET Q q 0 0 0 rg BT 198.36 161.25 Td (TD which provides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.25 Td (for acceleration of the payment of principal and interest other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.25 Td (than upon the occurrence of insolvency or non-payment would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 124.05 Td (not be eligible L) Tj ET Q q 0 0 0 rg BT 100.90 124.05 Td (TD. ) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 119.23 124.05 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 112.05 Td (Designed to further enhance the resolvability of a U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 100.05 Td (GSIB, the proposal would also prohibit or limit certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 88.05 Td (financial arrangements at the bank holding company level, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 76.05 Td (what are referred to as clean holding company requirements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 64.05 Td (Pursuant to these requirements, the bank holding company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 52.05 Td (would be prohibited from having certain types of third-party ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (liabilities, including short-term debt, derivatives and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (qualified financial contracts, liabilities guaranteed by a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (subsidiary \(i.e., upstream guarantees\) and guarantees of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (subsidiary liabilities or similar arrangements if the liability or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (guarantee includes a default right linked to the insolvency of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (the bank holding company \(i.e., downstream guarantees with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (cross default provisions\). In addition, the clean holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (company requirements would limit the third-party) Tj ET Q q 0 0 0 rg BT 523.58 665.10 Td (, non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (contingent liabilities of the bank holding company that are not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (related to ) Tj ET Q q 0 0 0 rg BT 363.80 641.10 Td (TLAC or L) Tj ET Q q 0 0 0 rg BT 408.43 641.10 Td (TD and are pari passu with or junior to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (eligible external L) Tj ET Q q 0 0 0 rg BT 396.38 629.10 Td (TD, including structured notes and various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (operating liabilities, to 5% of the U.S. GSIB) Tj ET Q q 0 0 0 rg BT 503.98 617.10 Td (s outstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (external ) Tj ET Q q 0 0 0 rg BT 358.52 605.10 Td (TLAC.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 593.10 Td (The proposal would further require that U.S. GSIBs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (deduct from their regulatory capital any investment in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (unsecured debt issued by GSIBs in excess of certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (thresholds. ) Tj ET Q q 0 0 0 rg BT 369.93 557.10 Td (This deduction would be required regardless of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (tenor of the instrument and regardless of whether the debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (instrument would qualify as eligible external L) Tj ET Q q 0 0 0 rg BT 510.81 533.10 Td (TD.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 521.10 Td (While not included in its proposed requirements, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (Federal Reserve Board also indicated in its notice of proposed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (rulemaking that it was considering imposing domestic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 356.86 485.10 Td (TLAC requirements for the material operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (subsidiaries of U.S. GSIBs. ) Tj ET Q q 0 0 0 rg BT 438.82 473.10 Td (The Board indicated any such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (requirements would be designed to, among other things, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (require the maintenance of contributable resources \(in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (form of high-quality liquid assets\) at the bank holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (company and/or prepositioned resources at the level of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (material operating subsidiaries \(in the form of debt and equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (investments in the subsidiaries\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 389.10 Td (The proposed ef) Tj ET Q q 0 0 0 rg BT 406.79 389.10 Td (fective date for the requirements included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (in the proposal would be January 1, 2019, with the exception ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (of the R) Tj ET Q q 0 0 0 rg BT 355.67 365.10 Td (W) Tj ET Q q 0 0 0 rg BT 364.00 365.10 Td (A) Tj ET Q q 0 0 0 rg BT 370.67 365.10 Td ( component of the external ) Tj ET Q q 0 0 0 rg BT 480.17 365.10 Td (TLAC requirement, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (which would be 16% as of January 1, 2019 and would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (increase to 18% on January 1, 2022. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (Secur) Tj ET Q q 0 0 0 rg BT 348.26 317.10 Td (ed Funding ) Tj ET Q q 0 0 0 rg BT 399.21 317.10 Td (T) Tj ET Q q 0 0 0 rg BT 405.14 317.10 Td (ransactions and Short-T) Tj ET Q q 0 0 0 rg BT 508.13 317.10 Td (erm ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (Borr) Tj ET Q q 0 0 0 rg BT 344.37 305.10 Td (owings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (As referenced above, Citi supplements its primary sources of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (funding with short-term borrowings. Short-term borrowings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (generally include \(i\)secured funding transactions \(securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (loaned or sold under agreements to repurchase, or repos\) and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (\(ii\)to a lesser extent, short-term borrowings consisting of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (commercial paper and borrowings from the FHLB and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (market participants \(see Note18 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (Statements for further information on Citigroup) Tj ET Q q 0 0 0 rg BT 517.57 209.10 Td (s and its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (af) Tj ET Q q 0 0 0 rg BT 331.59 197.10 Td (filiates) Tj ET Q q 0 0 0 rg BT 361.39 197.10 Td ( outstanding short-term borrowings\). Citi has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (purposefully reduced its other short-term borrowings, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (including FHLB borrowings, as it continued to grow its high-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (quality deposits.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (Secured Funding) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (Secured funding is primarily accessed through Citi) Tj ET Q q 0 0 0 rg BT 530.06 125.10 Td (s broker) Tj ET Q q 0 0 0 rg BT 562.35 125.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (dealer subsidiaries to fund ef) Tj ET Q q 0 0 0 rg BT 439.34 113.10 Td (ficiently both secured lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (activity and a portion of securities inventory held in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (context of market making and customer activities. Citi also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (executes a smaller portion of its secured funding transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (through its bank entities, which is typically collateralized by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (foreign government debt securities. Generally) Tj ET Q q 0 0 0 rg BT 506.90 53.10 Td (, daily changes ) Tj ET Q endstream endobj 191 0 obj <> endobj 192 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (93) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (in the level of Citi) Tj ET Q q 0 0 0 rg BT 111.54 749.10 Td (s secured funding are primarily due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (fluctuations in secured lending activity in the matched book ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (\(as described below\) and securities inventory) Tj ET Q q 0 0 0 rg BT 216.12 725.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 713.10 Td (Secured funding of $146 billion as of December 31, 2015 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (declined 16% from the prior) Tj ET Q q 0 0 0 rg BT 149.10 701.10 Td (-year period and 13% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (sequentially) Tj ET Q q 0 0 0 rg BT 83.67 689.10 Td (. Excluding the impact of FX translation, secured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (funding decreased 1) Tj ET Q q 0 0 0 rg BT 116.15 677.10 Td (1% from the prior) Tj ET Q q 0 0 0 rg BT 187.88 677.10 Td (-year period and 12% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (sequentially) Tj ET Q q 0 0 0 rg BT 83.67 665.10 Td (, both driven by normal business activity) Tj ET Q q 0 0 0 rg BT 246.05 665.10 Td (. ) Tj ET Q q 0 0 0 rg BT 250.50 665.10 Td (A) Tj ET Q q 0 0 0 rg BT 256.98 665.10 Td (verage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (balances for secured funding were approximately $163) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.9333333333333333 0.15294117647058825 0.1411764705882353 rg BT 255.92 653.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 258.42 653.10 Td (billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (for the quarter ended December 31, 2015.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 629.10 Td (The portion of secured funding in the broker) Tj ET Q q 0 0 0 rg BT 231.80 629.10 Td (-dealer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (subsidiaries that funds secured lending is commonly referred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (to as matched book activity) Tj ET Q q 0 0 0 rg BT 154.20 605.10 Td (. ) Tj ET Q q 0 0 0 rg BT 159.02 605.10 Td (The majority of this activity is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (secured by high quality) Tj ET Q q 0 0 0 rg BT 128.94 593.10 Td (, liquid securities such as U.S. ) Tj ET Q q 0 0 0 rg BT 251.80 593.10 Td (T) Tj ET Q q 0 0 0 rg BT 257.56 593.10 Td (reasury ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (securities, U.S. agency securities and foreign government debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (securities. Other secured funding is secured by less liquid ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (securities, including equity securities, corporate bonds and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (asset-backed securities. ) Tj ET Q q 0 0 0 rg BT 132.17 545.10 Td (The tenor of Citi) Tj ET Q q 0 0 0 rg BT 201.87 545.10 Td (s matched book ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (liabilities is generally equal to or longer than the tenor of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (corresponding matched book assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (The remainder of the secured funding activity in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (broker) Tj ET Q q 0 0 0 rg BT 349.90 737.10 Td (-dealer subsidiaries serves to fund securities inventory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (held in the context of market making and customer activities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.41 713.10 Td (o maintain reliable funding under a wide range of market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (conditions, including under periods of stress, Citi manages ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (these activities by taking into consideration the quality of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (underlying collateral, and stipulating financing tenor) Tj ET Q q 0 0 0 rg BT 533.94 677.10 Td (. ) Tj ET Q q 0 0 0 rg BT 538.76 677.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (weighted average maturity of Citi) Tj ET Q q 0 0 0 rg BT 461.73 665.10 Td (s secured funding of less ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (liquid securities inventory was greater than 1) Tj ET Q q 0 0 0 rg BT 503.58 653.10 Td (10 days as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (December 31, 2015.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 629.10 Td (Citi manages the risks in its secured funding by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (conducting daily stress tests to account for changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (capacity) Tj ET Q q 0 0 0 rg BT 356.66 605.10 Td (, tenors, haircut, collateral profile and client actions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 373.90 593.10 Td (, Citi maintains counterparty diversification by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (establishing concentration triggers and assessing counterparty ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (reliability and stability under stress. Citi generally sources ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (secured funding from more than 150 counterparties.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (The following table contains the year) Tj ET Q q 0 0 0 rg BT 184.92 497.10 Td (-end, average and maximum month-end amounts for the following respective short-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (borrowings categories at the end of each of the three prior fiscal years:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 430.60 153.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 188.50 430.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.50 430.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.50 430.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 430.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 430.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 430.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 430.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 430.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 430.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 402.60 153.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 188.50 402.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.50 402.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.50 402.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 402.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 402.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 402.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 402.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 402.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 402.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 374.60 153.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 188.50 374.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.50 374.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.50 374.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 374.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 374.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 374.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 374.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 374.60 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 374.60 43.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 460.6 m 360.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 460.6 m 403.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 460.6 m 446.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 460.6 m 489.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 460.6 m 532.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 460.6 m 575.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 445.6 m 188.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 188.5 445.6 m 231.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 445.6 m 274.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 445.6 m 317.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 445.6 m 360.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 445.6 m 403.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 445.6 m 446.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 445.6 m 489.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 445.6 m 532.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 445.6 m 575.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 430.6 m 188.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 188.5 430.6 m 231.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 445.6 m 274.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 430.6 m 274.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 445.6 m 317.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 445.6 m 317.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 430.6 m 317.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 430.6 m 360.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 445.6 m 403.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 430.6 m 403.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 445.6 m 446.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 445.6 m 446.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 430.6 m 446.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 430.6 m 489.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 445.6 m 532.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 430.6 m 532.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 445.6 m 575.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 430.6 m 575.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 430.6 m 274.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 430.6 m 317.5 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 430.6 m 317.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 430.6 m 446.5 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 430.6 m 446.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 430.6 m 575.5 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 416.6 m 317.5 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 416.6 m 446.5 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 388.6 m 188.5 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 188.5 388.6 m 231.5 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 388.6 m 274.5 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 402.6 m 317.5 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 388.6 m 317.5 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 388.6 m 360.5 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 388.6 m 403.5 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 402.6 m 446.5 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 388.6 m 446.5 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 388.6 m 489.5 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 388.6 m 532.5 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 388.6 m 575.5 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 388.6 m 317.5 374.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 388.6 m 446.5 374.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 374.6 m 317.5 360.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 374.6 m 446.5 360.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 346.6 m 188.5 346.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 188.5 346.6 m 231.5 346.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 346.6 m 274.5 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 360.6 m 317.5 346.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 346.6 m 317.5 346.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 346.6 m 360.5 346.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 346.6 m 403.5 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 360.6 m 446.5 346.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 346.6 m 446.5 346.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 346.6 m 489.5 346.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 346.6 m 532.5 346.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 346.6 m 575.5 346.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 196.40 466.00 Td (Federal funds pur) Tj ET Q q 0 0 0 rg BT 265.75 466.00 Td (chased and ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.05 457.00 Td (securities sold under) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.25 448.05 Td (agr) Tj ET Q q 0 0 0 rg BT 216.08 448.05 Td (eements to r) Tj ET Q q 0 0 0 rg BT 262.90 448.05 Td (epur) Tj ET Q q 0 0 0 rg BT 280.73 448.05 Td (chase) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.05 465.05 Td (Short-term borr) Tj ET Q q 0 0 0 rg BT 460.61 465.05 Td (owings) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 487.12 469.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.05 450.05 Td (Commer) Tj ET Q q 0 0 0 rg BT 375.87 450.05 Td (cial paper) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 414.12 454.13 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.75 450.05 Td (Other) Tj ET Q q 0 0 0 rg BT 473.58 450.05 Td ( short-term borr) Tj ET Q q 0 0 0 rg BT 536.89 450.05 Td (owings) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 563.40 454.13 Td (\(3\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 434.85 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 200.50 435.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 243.50 435.06 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.50 435.06 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.50 435.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.50 435.06 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.50 435.06 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.50 435.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 435.06 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 435.06 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 421.06 Td (Amounts outstanding at year end) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 191.00 421.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.75 421.05 Td (146.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.00 421.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.25 421.06 Td (173.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.00 421.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 421.06 Td (203.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 421.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 421.05 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 421.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 421.06 Td (16.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.00 421.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 421.06 Td (17.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 421.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.25 421.05 Td (11.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 421.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 421.06 Td (42.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 421.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 421.06 Td (41.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 407.06 Td (A) Tj ET Q q 0 0 0 rg BT 43.83 407.06 Td (verage outstanding during the year) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 168.79 411.14 Td (\(4\)\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.75 407.05 Td (174.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.25 407.06 Td (190.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 407.06 Td (229.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 407.05 Td (10.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 407.06 Td (16.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 407.06 Td (16.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.25 407.05 Td (22.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 407.06 Td (45.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 407.06 Td (39.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 393.06 Td (Maximum month-end outstanding) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.75 393.05 Td (186.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.25 393.06 Td (200.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 393.06 Td (239.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 393.05 Td (15.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 393.06 Td (17.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 393.06 Td (18.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.25 393.05 Td (41.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 393.06 Td (47.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 393.06 Td (44.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 379.05 Td (Weighted-average interest rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 47.00 365.06 Td (During the year) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 103.48 369.14 Td (\(4\)\(5\)\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.25 365.05 Td (0.93) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.00 365.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.75 365.06 Td (1.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 266.50 365.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 365.06 Td (1.02) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.50 365.06 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 365.05 Td (0.31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.00 365.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 365.06 Td (0.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.50 365.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 365.06 Td (0.28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 365.06 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.25 365.05 Td (1.42) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 365.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 365.06 Td (1.20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 365.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 365.06 Td (1.39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 365.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 47.00 351.06 Td (At year end) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 88.98 355.14 Td (\(7\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.25 351.05 Td (0.59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.75 351.06 Td (0.49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 351.06 Td (0.59) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 351.05 Td (0.22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 351.06 Td (0.23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 351.06 Td (0.26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.25 351.05 Td (1.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 351.06 Td (0.53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 351.06 Td (0.87) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 327.90 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 327.90 Td (Original maturities of less than one year) Tj ET Q q 0 0 0 rg BT 181.96 327.90 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 318.30 Td (\(2\) Substantially all commercial paper outstanding was issued by certain Citibank entities for the periods presented.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 308.70 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 308.70 Td (Other short-term borrowings include borrowings from the FHLB and other market participants.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 299.10 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 299.10 Td (Interest rates and amounts include the ef) Tj ET Q q 0 0 0 rg BT 183.14 299.10 Td (fects of risk management activities associated with the respective liability categories.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 289.50 Td (\(5\) ) Tj ET Q q 0 0 0 rg BT 54.00 289.50 Td (A) Tj ET Q q 0 0 0 rg BT 59.18 289.50 Td (verage volumes of securities loaned or sold under agreements to repurchase are reported net pursuant to FIN 41 \(ASC 210-20-45\); average rates exclude the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 279.90 Td (impact of FIN 41 \(ASC 210-20-45\).) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 270.30 Td (\(6\) ) Tj ET Q q 0 0 0 rg BT 54.00 270.30 Td (A) Tj ET Q q 0 0 0 rg BT 59.18 270.30 Td (verage rates reflect prevailing local interest rates, including inflationary ef) Tj ET Q q 0 0 0 rg BT 296.27 270.30 Td (fects and monetary correction in certain countries.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 260.70 Td (\(7\) ) Tj ET Q q 0 0 0 rg BT 54.00 260.70 Td (Based on contractual rates at respective year ends; non-interest-bearing accounts are excluded from the weighted average interest rate calculated at year end.) Tj ET Q endstream endobj 193 0 obj <> endobj 194 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (94) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Liquidity Monitoring and Measur) Tj ET Q q 0 0 0 rg BT 181.12 749.25 Td (ement) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (Stress T) Tj ET Q q 0 0 0 rg BT 68.14 725.25 Td (esting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (Liquidity stress testing is performed for each of Citi) Tj ET Q q 0 0 0 rg BT 246.51 713.25 Td (s major ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (entities, operating subsidiaries and/or countries. Stress testing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (and scenario analyses are intended to quantify the potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (impact of a liquidity event on the balance sheet and liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (position, and to identify viable funding alternatives that can be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (utilized. ) Tj ET Q q 0 0 0 rg BT 70.81 653.25 Td (These scenarios include assumptions about significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (changes in key funding sources, market triggers \(such as credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (ratings\), potential uses of funding and political and economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (conditions in certain countries. ) Tj ET Q q 0 0 0 rg BT 161.62 617.25 Td (These conditions include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (expected and stressed market conditions as well as Company-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (specific events.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 581.25 Td (Liquidity stress tests are conducted to ascertain potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (mismatches between liquidity sources and uses over a variety ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (of time horizons \(overnight, one week, two weeks, one month, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (three months, one year\) and over a variety of stressed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (conditions. Liquidity limits are set accordingly) Tj ET Q q 0 0 0 rg BT 222.54 533.25 Td (. ) Tj ET Q q 0 0 0 rg BT 227.36 533.25 Td (T) Tj ET Q q 0 0 0 rg BT 232.77 533.25 Td (o monitor the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (liquidity of an entity) Tj ET Q q 0 0 0 rg BT 117.28 521.25 Td (, these stress tests and potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (mismatches are calculated with varying frequencies, with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (several tests performed daily) Tj ET Q q 0 0 0 rg BT 150.58 497.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 485.25 Td (Given the range of potential stresses, Citi maintains a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (series of contingency funding plans on a consolidated basis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (and for individual entities. ) Tj ET Q q 0 0 0 rg BT 143.85 461.25 Td (These plans specify a wide range of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (readily available actions for a variety of adverse market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (conditions or idiosyncratic stresses.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (Short-T) Tj ET Q q 0 0 0 rg BT 67.31 413.25 Td (erm Liquidity Measurement: Liquidity Coverage ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (Ratio \(LCR\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (In addition to internal measures that Citi has developed for a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (30-day stress scenario, Citi also monitors its liquidity by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (reference to the LCR, as calculated pursuant to the U.S. LCR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (rules.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 341.25 Td (Generally) Tj ET Q q 0 0 0 rg BT 92.77 341.25 Td (, the LCR is designed to ensure that banks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.25 Td (maintain an adequate level of HQLA) Tj ET Q q 0 0 0 rg BT 183.45 329.25 Td ( to meet liquidity needs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.25 Td (under an acute 30-day stress scenario. ) Tj ET Q q 0 0 0 rg BT 189.93 317.25 Td (The LCR is calculated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.25 Td (by dividing HQLA) Tj ET Q q 0 0 0 rg BT 111.56 305.25 Td ( by estimated net outflows over a stressed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.25 Td (30-day period, with the net outflows determined by applying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.25 Td (prescribed outflow factors to various categories of liabilities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.25 Td (such as deposits, unsecured and secured wholesale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.25 Td (borrowings, unused lending commitments and derivatives-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.25 Td (related exposures, partially of) Tj ET Q q 0 0 0 rg BT 154.66 245.25 Td (fset by inflows from assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.25 Td (maturing within 30 days. Banks are required to calculate an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.25 Td (add-on to address potential maturity mismatches between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.25 Td (contractual cash outflows and inflows within the 30-day ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.25 Td (period in determining the total amount of net outflows. ) Tj ET Q q 0 0 0 rg BT 258.00 197.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.25 Td (minimum LCR requirement is 90% ef) Tj ET Q q 0 0 0 rg BT 187.74 185.25 Td (fective January 2016, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.25 Td (increasing to 100% in January 2017.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 161.25 Td (The table below sets forth the components of Citi) Tj ET Q q 0 0 0 rg BT 254.51 161.25 Td (s LCR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.25 Td (calculation and HQLA) Tj ET Q q 0 0 0 rg BT 126.53 149.25 Td ( in excess of net outflows as of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.25 Td (periods indicated:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 103.75 129.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 103.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 206.50 103.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 103.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 75.75 129.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 75.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 206.50 75.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 75.75 41.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 103.75 m 165.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 103.75 m 206.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 206.5 103.75 m 247.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 103.75 m 288.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 103.75 m 206.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 206.5 103.75 m 247.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 103.75 m 288.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 75.75 m 165.5 75.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 75.75 m 206.5 75.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 206.5 75.75 m 247.5 75.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 75.75 m 288.5 75.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 47.75 m 165.5 47.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 47.75 m 206.5 47.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 206.5 47.75 m 247.5 47.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 247.5 47.75 m 288.5 47.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 108.00 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.35 117.20 Td (Dec. 31, ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.50 108.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.60 117.21 Td (Sept. 30,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.50 108.21 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.35 117.21 Td (Dec. 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.50 108.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 94.21 Td (HQLA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 168.00 94.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.75 94.20 Td (378.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 209.00 94.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 219.25 94.21 Td (398.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 94.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 94.21 Td (412.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 80.21 Td (Net outflows) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.75 80.20 Td (336.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 219.25 80.21 Td (355.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 80.21 Td (368.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 66.21 Td (LCR) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.50 66.20 Td (112) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.00 66.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 226.00 66.21 Td (112) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 239.50 66.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 66.21 Td (112) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.50 66.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 52.61 Td (HQLA in excess of net outflows) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 168.00 52.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.25 52.20 Td (42.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 209.00 52.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.75 52.21 Td (43.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 52.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 52.21 Td (44.0) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (As set forth in the table above, Citi) Tj ET Q q 0 0 0 rg BT 466.75 737.10 Td (s LCR was unchanged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (both year) Tj ET Q q 0 0 0 rg BT 361.29 725.10 Td (-over) Tj ET Q q 0 0 0 rg BT 382.18 725.10 Td (-year and quarter) Tj ET Q q 0 0 0 rg BT 450.27 725.10 Td (-over) Tj ET Q q 0 0 0 rg BT 471.17 725.10 Td (-quarter) Tj ET Q q 0 0 0 rg BT 502.42 725.10 Td (,) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 504.92 725.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 507.42 725.10 Td (as the reduction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (in Citi) Tj ET Q q 0 0 0 rg BT 352.06 713.10 Td (s HQLA) Tj ET Q q 0 0 0 rg BT 385.67 713.10 Td ( was of) Tj ET Q q 0 0 0 rg BT 414.38 713.10 Td (fset by a reduction in net outflows, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (reflecting reductions in Citi) Tj ET Q q 0 0 0 rg BT 437.03 701.10 Td (s long-term debt and short-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (borrowings.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (Long-T) Tj ET Q q 0 0 0 rg BT 354.19 665.10 Td (erm Liquidity Measurement: Net Stable Funding ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (Ratio \(NSFR\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (For 12-month liquidity stress periods, Citi uses several ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (measures, including its internal long-term liquidity measure, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (based on a 12-month scenario assuming deterioration due to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (combination of idiosyncratic and market stresses of moderate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (to high severity) Tj ET Q q 0 0 0 rg BT 385.56 593.10 Td (. It is broadly defined as the ratio of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (unencumbered liquidity resources to net stressed cumulative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (outflows over a 12-month period.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 557.10 Td (In addition, in October 2014, the Basel Committee on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (Banking Supervision \(Basel Committee\) issued final standards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (for the implementation of the Basel III NSFR, with full ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (compliance required by January 1, 2018. Similar to Citi) Tj ET Q q 0 0 0 rg BT 549.51 521.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (internal long-term liquidity measure, the NSFR is intended to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (measure the stability of a banking or) Tj ET Q q 0 0 0 rg BT 469.89 497.10 Td (ganization) Tj ET Q q 0 0 0 rg BT 514.32 497.10 Td (s funding over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (a one-year time horizon. Pursuant to the Basel Committee) Tj ET Q q 0 0 0 rg BT 561.16 485.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (final standards, the NSFR is calculated by dividing the level of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (a bank) Tj ET Q q 0 0 0 rg BT 353.16 461.10 Td (s available stable funding by its required stable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (funding. ) Tj ET Q q 0 0 0 rg BT 359.93 449.10 Td (The ratio is required to be greater than 100%. Under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (the Basel Committee standards, available stable funding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (primarily includes portions of equity) Tj ET Q q 0 0 0 rg BT 469.99 425.10 Td (, deposits and long-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (debt, while required stable funding primarily includes the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (portion of long-term assets which are deemed illiquid. ) Tj ET Q q 0 0 0 rg BT 542.93 401.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (U.S. banking agencies have not yet proposed the U.S. version ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (of the NSFR, although a proposal is expected during 2016. ) Tj ET Q endstream endobj 195 0 obj <> endobj 196 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (95) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Cr) Tj ET Q q 0 0 0 rg BT 47.48 749.25 Td (edit Ratings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 77.11 737.25 Td (s funding and liquidity) Tj ET Q q 0 0 0 rg BT 167.29 737.25 Td (, its funding capacity) Tj ET Q q 0 0 0 rg BT 250.51 737.25 Td (, ability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (to access capital markets and other sources of funds, the cost ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (of these funds, and its ability to maintain certain deposits are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (partially dependent on its credit ratings. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 689.25 Td (The table below sets forth the ratings for Citigroup and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (Citibank as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.60 677.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.19 677.25 Td (. ) Tj ET Q q 0 0 0 rg BT 180.51 677.25 Td (While not included in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (table below) Tj ET Q q 0 0 0 rg BT 81.72 665.25 Td (, the long-term and short-term ratings of Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (Global MarketsInc. \(CGMI\) were ) Tj ET Q q 0 0 0 rg BT 175.40 653.25 Td (A/A-1 at Standard& Poor) Tj ET Q q 0 0 0 rg BT 280.76 653.25 Td () Tj ET Q q 0 0 0 rg BT 283.54 653.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (and ) Tj ET Q q 0 0 0 rg BT 52.39 641.25 Td (A+/F1 at Fitch as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.52 641.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.11 641.25 Td (. ) Tj ET Q q 0 0 0 rg BT 221.42 641.25 Td (The long-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (and short-term ratings of Citigroup Global Markets Holdings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (Inc. \(CGMHI\) were BBB+/A-2 at Standard & Poor) Tj ET Q q 0 0 0 rg BT 241.98 617.25 Td () Tj ET Q q 0 0 0 rg BT 244.75 617.25 Td (s and ) Tj ET Q q 0 0 0 rg BT 267.53 617.25 Td (A/) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (F1 at Fitch as of December 31, 2015.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 549.75 257.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 549.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 549.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 549.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 549.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 549.75 31.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 549.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 521.75 257.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 521.75 43.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 521.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 521.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 521.75 30.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 521.75 31.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 521.75 64.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 572.75 m 336.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 572.75 m 390.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 572.75 m 444.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 572.75 m 474.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 572.75 m 505.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 572.75 m 569.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 549.75 m 293.5 549.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 572.75 m 569.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 549.75 m 569.5 549.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 549.75 m 336.5 549.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 549.75 m 390.5 549.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 549.75 m 444.5 549.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 549.75 m 474.5 549.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 549.75 m 505.5 549.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 549.75 m 569.5 549.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 506.75 m 293.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 506.75 m 336.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 506.75 m 390.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 506.75 m 444.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 506.75 m 474.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 506.75 m 505.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 506.75 m 569.5 506.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 577.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.30 577.20 Td (CitigroupInc.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.45 577.20 Td (Citibank, N.A.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 554.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.05 563.20 Td (Senior) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.95 554.20 Td (debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.30 563.20 Td (Commer) Tj ET Q q 0 0 0 rg BT 373.12 563.20 Td (cial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.80 554.20 Td (paper) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.20 554.20 Td (Outlook) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.45 563.20 Td (Long-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.75 554.20 Td (term) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.25 563.20 Td (Short-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.25 554.20 Td (term) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 521.20 554.20 Td (Outlook) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 540.21 Td (Fitch Ratings \(Fitch\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.45 540.20 Td (A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 540.20 Td (F1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.95 540.20 Td (Stable) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.15 540.20 Td (A+) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.50 540.20 Td (F1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.95 540.20 Td (Stable) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 526.21 Td (Moodys Investors Service \(Moodys\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.70 526.20 Td (Baa1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.50 526.20 Td (P-2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.95 526.20 Td (Stable) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.50 526.20 Td (A1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.00 526.20 Td (P-1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.95 526.20 Td (Stable) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 512.11 Td (Standard& Poors \(S&P\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.90 512.20 Td (BBB+) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.00 512.20 Td (A-2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.95 512.20 Td (Stable) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.95 512.20 Td (A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.50 512.20 Td (A-1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.35 512.20 Td (Watch Positive) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 487.25 Td (Recent Credit Rating Developments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 475.25 Td (On December 8, 2015, Fitch af) Tj ET Q q 0 0 0 rg BT 159.95 475.25 Td (firmed Citigroup Inc.) Tj ET Q q 0 0 0 rg BT 247.99 475.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 463.25 Td (V) Tj ET Q q 0 0 0 rg BT 42.62 463.25 Td (iability Rating \(VR\) and Long-T) Tj ET Q q 0 0 0 rg BT 172.46 463.25 Td (erm Issuer Default Rating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 451.25 Td (\(IDR\) at a/A) Tj ET Q q 0 0 0 rg BT 88.76 451.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 144.75 451.25 Td (. ) Tj ET Q q 0 0 0 rg BT 151.70 451.25 Td (At the same time, Fitch af) Tj ET Q q 0 0 0 rg BT 255.38 451.25 Td (firmed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 439.25 Td (Citibank) Tj ET Q q 0 0 0 rg BT 73.22 439.25 Td (s ) Tj ET Q q 0 0 0 rg BT 79.43 439.25 Td (VR and IDR at a/A+, respectively) Tj ET Q q 0 0 0 rg BT 221.60 439.25 Td (. ) Tj ET Q q 0 0 0 rg BT 228.92 439.25 Td (The outlooks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 427.25 Td (for the Long-T) Tj ET Q q 0 0 0 rg BT 94.73 427.25 Td (erm IDRs are stable.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 415.25 Td (On December 2, 2015, as expected, S&P) Tj ET Q q 0 0 0 rg BT 217.20 415.25 Td ( downgraded the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 403.25 Td (holding company ratings of all eight U.S. GSIBs, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 391.25 Td (Citigroup Inc., by one notch, reflecting its view of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 379.25 Td (likelihood of extraordinary government support to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 367.25 Td (uncertain. ) Tj ET Q q 0 0 0 rg BT 89.03 367.25 Td (As a result, Citigroup Inc.'s long-term rating now ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 355.25 Td (stands at BBB+ and the outlook was upgraded to "Stable." ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 343.25 Td (The short-term rating of Citigroup Inc. remained at ) Tj ET Q q 0 0 0 rg BT 242.33 343.25 Td (A-2. ) Tj ET Q q 0 0 0 rg BT 262.70 343.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 331.25 Td (operating company ratings of the GSIBs, including Citibank, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 319.25 Td (N.A. and Citigroup Global Markets Inc., remained unchanged, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 307.25 Td (with a W) Tj ET Q q 0 0 0 rg BT 76.29 307.25 Td (atch Positive outlook, as S&P) Tj ET Q q 0 0 0 rg BT 199.53 307.25 Td ( waits for further ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 295.25 Td (clarity from the regulators regarding ) Tj ET Q q 0 0 0 rg BT 183.82 295.25 Td (TLAC eligibility of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 283.25 Td (certain instruments. S&P) Tj ET Q q 0 0 0 rg BT 138.40 283.25 Td ( has stated it expects to conclude its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 271.25 Td (credit watch within the first half of 2016.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 247.25 Td (Potential Impacts of Ratings Downgrades) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 235.25 Td (Ratings downgrades by Moody) Tj ET Q q 0 0 0 rg BT 164.05 235.25 Td (s, Fitch or S&P) Tj ET Q q 0 0 0 rg BT 225.36 235.25 Td ( could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 223.25 Td (negatively impact Citigroup) Tj ET Q q 0 0 0 rg BT 150.98 223.25 Td (s and/or Citibank) Tj ET Q q 0 0 0 rg BT 222.64 223.25 Td (s funding and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 211.25 Td (liquidity due to reduced funding capacity) Tj ET Q q 0 0 0 rg BT 200.02 211.25 Td (, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 199.25 Td (derivatives triggers, which could take the form of cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 187.25 Td (obligations and collateral requirements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 175.25 Td (The following information is provided for the purpose of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 163.25 Td (analyzing the potential funding and liquidity impact to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 151.25 Td (Citigroup and Citibank of a hypothetical, simultaneous ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 139.25 Td (ratings downgrade across all three major rating agencies. ) Tj ET Q q 0 0 0 rg BT 266.01 139.25 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 127.25 Td (analysis is subject to certain estimates, estimation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 115.25 Td (methodologies, and judgments and uncertainties. Uncertainties ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 103.25 Td (include potential ratings limitations that certain entities may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 91.25 Td (have with respect to permissible counterparties, as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 79.25 Td (general subjective counterparty behavior) Tj ET Q q 0 0 0 rg BT 198.43 79.25 Td (. For example, certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 67.25 Td (corporate customers and markets counterparties could re-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 55.25 Td (evaluate their business relationships with Citi and limit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 487.25 Td (transactions in certain contracts or market instruments with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 475.25 Td (Citi. Changes in counterparty behavior could impact Citi) Tj ET Q q 0 0 0 rg BT 553.95 475.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 463.25 Td (funding and liquidity) Tj ET Q q 0 0 0 rg BT 407.79 463.25 Td (, as well as the results of operations of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 451.25 Td (certain of its businesses. ) Tj ET Q q 0 0 0 rg BT 423.52 451.25 Td (The actual impact to Citigroup or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 439.25 Td (Citibank is unpredictable and may dif) Tj ET Q q 0 0 0 rg BT 474.62 439.25 Td (fer materially from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 427.25 Td (potential funding and liquidity impacts described below) Tj ET Q q 0 0 0 rg BT 546.64 427.25 Td (. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 415.25 Td (additional information on the impact of credit rating changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 403.25 Td (on Citi and its applicable subsidiaries, see Risk Factors) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 391.25 Td (Liquidity Risks above.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 367.25 Td (Citigr) Tj ET Q q 0 0 0 rg BT 347.53 367.25 Td (oupInc. and CitibankPotential Derivative T) Tj ET Q q 0 0 0 rg BT 532.50 367.25 Td (riggers) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 355.25 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.44 355.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.03 355.25 Td (, Citi estimates that a hypothetical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 343.25 Td (one-notch downgrade of the senior debt/long-term rating of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 331.25 Td (Citigroup Inc. across all three major rating agencies could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 319.25 Td (impact Citigroup) Tj ET Q q 0 0 0 rg BT 394.83 319.25 Td (s funding and liquidity due to derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 307.25 Td (triggers by approximately $0.6 billion, compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 295.25 Td ($0.7billion as of September 30, 2015. Other funding sources, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 283.25 Td (such as securities financing transactions and other mar) Tj ET Q q 0 0 0 rg BT 541.80 283.25 Td (gin ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 271.25 Td (requirements, for which there are no explicit triggers, could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 259.25 Td (also be adversely af) Tj ET Q q 0 0 0 rg BT 402.95 259.25 Td (fected.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 247.25 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.44 247.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.03 247.25 Td (, Citi estimates that a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 235.25 Td (hypothetical one-notch downgrade of the senior debt/long-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 223.25 Td (term rating of Citibank across all three major rating agencies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 211.25 Td (could impact Citibank) Tj ET Q q 0 0 0 rg BT 415.65 211.25 Td (s funding and liquidity by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 199.25 Td (approximately $1.3 billion, compared to $1.5billion as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 187.25 Td (September 30, 2015, due to derivative triggers.) Tj ET Q endstream endobj 197 0 obj <> endobj 198 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (96) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (In total, Citi estimates that a one-notch downgrade of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (Citigroup and Citibank, across all three major rating agencies, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (could result in aggregate cash obligations and collateral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (requirements of approximately $1.9 billion, compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td ($2.2billion as of September 30, 2015 \(see also Note23 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (Consolidated Financial Statements\). ) Tj ET Q q 0 0 0 rg BT 182.65 689.10 Td (As set forth under High-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (Quality Liquid ) Tj ET Q q 0 0 0 rg BT 97.11 677.10 Td (Assets above, the liquidity resources of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (Citibank were approximately $312 billion and the liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (resources of Citi) Tj ET Q q 0 0 0 rg BT 104.87 653.10 Td (s non-bank and other entities were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (approximately $66 billion, for a total of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td ($379billion as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.77 629.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.36 629.10 Td (. ) Tj ET Q q 0 0 0 rg BT 192.18 629.10 Td (These liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (resources are available in part as a contingency for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (potential events described above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 593.10 Td (In addition, a broad range of mitigating actions are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (currently included in Citigroup) Tj ET Q q 0 0 0 rg BT 162.92 581.10 Td (s and Citibank) Tj ET Q q 0 0 0 rg BT 223.47 581.10 Td (s contingency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (funding plans. For Citigroup, these mitigating factors include, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (but are not limited to, accessing surplus funding capacity from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (existing clients, tailoring levels of secured lending, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (adjusting the size of select trading books and collateralized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (borrowings from certain Citibank subsidiaries. Mitigating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (actions available to Citibank include, but are not limited to, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (selling or financing highly liquid government securities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (tailoring levels of secured lending, adjusting the size of select ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (trading assets, reducing loan originations and renewals, raising ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (additional deposits, or borrowing from the FHLB or central ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (banks. Citi believes these mitigating actions could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (substantially reduce the funding and liquidity risk, if any) Tj ET Q q 0 0 0 rg BT 262.25 437.10 Td (, of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (the potential downgrades described above.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (CitibankAdditional Potential Impacts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (In addition to the above derivative triggers, Citi believes that a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (potential one-notch downgrade of Citibank) Tj ET Q q 0 0 0 rg BT 210.96 377.10 Td (s senior debt/long-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (term rating by S&P) Tj ET Q q 0 0 0 rg BT 113.68 365.10 Td ( could also have an adverse impact on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (commercial paper/short-term rating of Citibank. ) Tj ET Q q 0 0 0 rg BT 230.38 353.10 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.58 341.10 Td (, Citibank had liquidity commitments of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (approximately $10.0billion to consolidated asset-backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (commercial paper conduits, compared to $9.4 billion as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (September 30, 2015 \(as referenced in Note ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.82 305.10 Td (22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.82 305.10 Td ( to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (Consolidated Financial Statements\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 281.10 Td (In addition to the above-referenced liquidity resources of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (certain Citibank and Banamex entities, Citibank could reduce ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (the funding and liquidity risk, if any) Tj ET Q q 0 0 0 rg BT 180.05 257.10 Td (, of the potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (downgrades described above through mitigating actions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (including repricing or reducing certain commitments to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (commercial paper conduits. In the event of the potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (downgrades described above, Citi believes that certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (corporate customers could re-evaluate their deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (relationships with Citibank. ) Tj ET Q q 0 0 0 rg BT 149.14 185.10 Td (This re-evaluation could result in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (clients adjusting their discretionary deposit levels or changing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (their depository institution, which could potentially reduce ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (certain deposit levels at Citibank. However) Tj ET Q q 0 0 0 rg BT 208.32 149.10 Td (, Citi could choose ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (to adjust pricing, of) Tj ET Q q 0 0 0 rg BT 114.14 137.10 Td (fer alternative deposit products to its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (existing customers or seek to attract deposits from new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (customers, in addition to the mitigating actions referenced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (above.) Tj ET Q endstream endobj 199 0 obj <> endobj 200 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (97) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (MARKET) Tj ET Q q 0 0 0 rg BT 89.78 747.90 Td ( RISK) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 723.90 Td (OVER) Tj ET Q q 0 0 0 rg BT 64.54 723.90 Td (VIEW) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 711.90 Td (Market risk is the potential for losses arising from changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 699.90 Td (the value of Citi) Tj ET Q q 0 0 0 rg BT 103.49 699.90 Td (s assets and liabilities resulting from changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 687.90 Td (in market variables such as interest rates, foreign exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 675.90 Td (rates, equity prices, commodity prices and credit spreads, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 663.90 Td (well as their implied volatilities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 651.90 Td (Each business is required to establish, with approval from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 639.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 639.90 Td (s market risk management, a market risk limit framework ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 627.90 Td (for identified risk factors that clearly defines approved risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 615.90 Td (profiles and is within the parameters of Citi) Tj ET Q q 0 0 0 rg BT 212.90 615.90 Td (s overall risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 603.90 Td (appetite. ) Tj ET Q q 0 0 0 rg BT 72.47 603.90 Td (These limits are monitored by the Risk or) Tj ET Q q 0 0 0 rg BT 238.65 603.90 Td (ganization, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 591.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 591.90 Td (s country and business ) Tj ET Q q 0 0 0 rg BT 146.00 591.90 Td (Asset and Liability Committees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 579.90 Td (and the Citigroup ) Tj ET Q q 0 0 0 rg BT 107.94 579.90 Td (Asset and Liability Committee. In all cases, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 567.90 Td (the businesses are ultimately responsible for the market risks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 555.90 Td (taken and for remaining within their defined limits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 543.90 Td (Market risk emanates from both Citi) Tj ET Q q 0 0 0 rg BT 202.58 543.90 Td (s trading and non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 531.90 Td (trading portfolios. ) Tj ET Q q 0 0 0 rg BT 110.53 531.90 Td (T) Tj ET Q q 0 0 0 rg BT 116.29 531.90 Td (rading portfolios comprise all assets and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 519.90 Td (liabilities marked-to-market, with results reflected in earnings. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 507.90 Td (Non-trading portfolios include all other assets and liabilities.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 483.90 Td (MARKET) Tj ET Q q 0 0 0 rg BT 80.82 483.90 Td ( RISK OF) Tj ET Q q 0 0 0 rg BT 123.79 483.90 Td ( NON-TRADING POR) Tj ET Q q 0 0 0 rg BT 222.32 483.90 Td (TFOLIOS) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 266.78 483.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 471.90 Td (Market risk from non-trading portfolios stems from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 459.90 Td (potential impact of changes in interest rates and foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 447.90 Td (exchange rates on Citi) Tj ET Q q 0 0 0 rg BT 127.91 447.90 Td (s net interest revenues, the changes in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 435.90 Td (Accumulated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.20 435.90 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 90.70 435.90 Td (other compr) Tj ET Q q 0 0 0 rg BT 139.49 435.90 Td (ehensive income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.01 435.90 Td ( \(AOCI\) from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 423.90 Td (its investment portfolios and capital invested in foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 411.90 Td (currencies. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 387.90 Td (Net Inter) Tj ET Q q 0 0 0 rg BT 74.97 387.90 Td (est Revenue at Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 375.90 Td (Net interest revenue, for interest rate exposure purposes, is the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 363.90 Td (dif) Tj ET Q q 0 0 0 rg BT 46.93 363.90 Td (ference between the yield earned on the non-trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 351.90 Td (portfolio assets \(including customer loans\) and the rate paid on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 339.90 Td (the liabilities \(including customer deposits or company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 327.90 Td (borrowings\). Net interest revenue is af) Tj ET Q q 0 0 0 rg BT 189.66 327.90 Td (fected by changes in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 315.90 Td (level of interest rates, as well as the amounts of assets and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 303.90 Td (liabilities, and the timing of repricing of assets and liabilities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 291.90 Td (to reflect market rates. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 279.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.50 279.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 74.28 279.90 Td (s principal measure of risk to net interest revenue is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 267.90 Td (interest rate exposure \(IRE\). IRE measures the change in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 255.90 Td (expected net interest revenue in each currency resulting solely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 243.90 Td (from unanticipated changes in forward interest rates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 231.90 Td ( ) Tj ET Q q 0 0 0 rg BT 54.00 231.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 231.90 Td (s estimated IRE incorporates various assumptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 219.90 Td (including prepayment rates on loans, customer behavior) Tj ET Q q 0 0 0 rg BT 259.70 219.90 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 207.90 Td (the impact of pricing decisions. For example, in rising interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 195.90 Td (rate scenarios, portions of the deposit portfolio may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 183.90 Td (assumed to experience rate increases that are less than the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 171.90 Td (change in market interest rates. In declining interest rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 159.90 Td (scenarios, it is assumed that mortgage portfolios experience ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 147.90 Td (higher prepayment rates. IRE assumes that businesses and/or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 135.90 Td (Citi ) Tj ET Q q 0 0 0 rg BT 53.32 135.90 Td (T) Tj ET Q q 0 0 0 rg BT 59.08 135.90 Td (reasury make no additional changes in balances or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 123.90 Td (positioning in response to the unanticipated rate changes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 111.90 Td (In order to manage changes in interest rates ef) Tj ET Q q 0 0 0 rg BT 238.18 111.90 Td (fectively) Tj ET Q q 0 0 0 rg BT 272.52 111.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 99.90 Td (Citi may modify pricing on new customer loans and deposits, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 87.90 Td (purchase fixed rate securities, issue debt that is either fixed or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 75.90 Td (floating or enter into derivative transactions that have the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 63.90 Td (opposite risk exposures. Citi regularly assesses the viability of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 51.90 Td (these and other strategies to reduce its interest rate risks and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (implements such strategies when it believes those actions are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (prudent. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 725.10 Td (Citi manages interest rate risk as a consolidated company-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (wide position. Citi) Tj ET Q q 0 0 0 rg BT 400.95 713.10 Td (s client-facing businesses create interest-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (rate sensitive positions, including loans and deposits, as part of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (their ongoing activities. Citi ) Tj ET Q q 0 0 0 rg BT 438.53 689.10 Td (T) Tj ET Q q 0 0 0 rg BT 444.28 689.10 Td (reasury aggregates these risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (positions and manages them centrally) Tj ET Q q 0 0 0 rg BT 473.87 677.10 Td (. Operating within ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (established limits, Citi ) Tj ET Q q 0 0 0 rg BT 416.04 665.10 Td (T) Tj ET Q q 0 0 0 rg BT 421.80 665.10 Td (reasury makes positioning decisions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (and uses tools, such as Citi) Tj ET Q q 0 0 0 rg BT 434.55 653.10 Td (s investment securities portfolio, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (company-issued debt, and interest rate derivatives, to tar) Tj ET Q q 0 0 0 rg BT 549.58 641.10 Td (get ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (the desired risk profile. Changes in Citi) Tj ET Q q 0 0 0 rg BT 484.25 629.10 Td (s interest rate risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (position reflect the accumulated changes in all non-trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (assets and liabilities, with potentially lar) Tj ET Q q 0 0 0 rg BT 484.90 605.10 Td (ge and of) Tj ET Q q 0 0 0 rg BT 521.92 605.10 Td (fsetting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (impacts, as well as Citi ) Tj ET Q q 0 0 0 rg BT 418.80 593.10 Td (T) Tj ET Q q 0 0 0 rg BT 424.56 593.10 Td (reasury) Tj ET Q q 0 0 0 rg BT 456.77 593.10 Td (s positioning decisions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 581.10 Td (Citigroup employs additional measurements, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (stress testing the impact of non-linear interest rate movements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (on the value of the balance sheet; the analysis of portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (duration and volatility) Tj ET Q q 0 0 0 rg BT 412.22 545.10 Td (, particularly as they relate to mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (loans and mortgage-backed securities; and the potential impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (of the change in the spread between dif) Tj ET Q q 0 0 0 rg BT 480.70 521.10 Td (ferent market indices.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 345.48 497.10 Td (est Rate Risk of Investment PortfoliosImpact on ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (AOCI) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (Citi also measures the potential impacts of changes in interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (rates on the value of its ) Tj ET Q q 0 0 0 rg BT 418.98 461.10 Td (AOCI, which can in turn impact Citi) Tj ET Q q 0 0 0 rg BT 568.12 461.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 392.71 449.10 Td (T) Tj ET Q q 0 0 0 rg BT 398.47 449.10 Td (ier1 Capital ratio. Citi) Tj ET Q q 0 0 0 rg BT 491.50 449.10 Td (s goal is to benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (from an increase in the market level of interest rates, while ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (limiting the impact of changes in ) Tj ET Q q 0 0 0 rg BT 457.86 425.10 Td (AOCI on its regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (capital position.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 401.10 Td (AOCI at risk is managed as part of the company-wide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (interest rate risk position. ) Tj ET Q q 0 0 0 rg BT 427.59 389.10 Td (AOCI at risk considers potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (changes in ) Tj ET Q q 0 0 0 rg BT 368.43 377.10 Td (AOCI \(and the corresponding impact on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 392.71 365.10 Td (T) Tj ET Q q 0 0 0 rg BT 398.47 365.10 Td (ier1 Capital ratio\) relative to Citi) Tj ET Q q 0 0 0 rg BT 535.09 365.10 Td (s capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (generation capacity) Tj ET Q q 0 0 0 rg BT 401.36 353.10 Td (.) Tj ET Q endstream endobj 201 0 obj <> endobj 202 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (98) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (The following table sets forth the estimated impact to Citi) Tj ET Q q 0 0 0 rg BT 288.12 749.10 Td (s net interest revenue, ) Tj ET Q q 0 0 0 rg BT 377.25 749.10 Td (AOCI and the Common Equity ) Tj ET Q q 0 0 0 rg BT 504.56 749.10 Td (T) Tj ET Q q 0 0 0 rg BT 510.32 749.10 Td (ier1 Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (ratio \(on a fully implemented basis\), each assuming an unanticipated parallel instantaneous 100 basis point increase in interest rates. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 712.60 345.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 712.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 712.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 712.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 684.60 345.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 684.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 684.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 684.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 656.60 345.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 656.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 656.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 656.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 628.60 345.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 628.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 628.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 628.60 64.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 712.6 m 381.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 712.6 m 447.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 712.6 m 512.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 712.6 m 576.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 712.6 m 512.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 670.6 m 381.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 670.6 m 447.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 670.6 m 512.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 670.6 m 576.5 670.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 614.6 m 381.5 614.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 614.6 m 447.5 614.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 614.6 m 512.5 614.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 614.6 m 576.5 614.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 716.85 Td (In millions of dollars \(unless otherwise noted\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.75 717.05 Td (Dec. 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.45 717.06 Td (Sept. 30, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.75 717.06 Td (Dec. 31, 2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 703.05 Td (Estimated annualized impact to net interest revenue) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 689.06 Td (U.S. dollar) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 78.25 693.14 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.00 689.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 689.05 Td (1,419) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 689.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 689.06 Td (1,533) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 689.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 689.06 Td (1,123) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 675.06 Td (All other currencies) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.50 675.05 Td (635) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 675.06 Td (616) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 675.06 Td (629) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 661.06 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.00 661.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 661.05 Td (2,054) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 661.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 661.06 Td (2,149) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 661.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 661.06 Td (1,752) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 647.06 Td (As a percentage of average interest-earning assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.25 647.05 Td (0.13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 647.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 647.06 Td (0.13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.50 647.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 647.06 Td (0.11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 647.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 633.06 Td (Estimated initial impact to ) Tj ET Q q 0 0 0 rg BT 135.98 633.06 Td (AOCI \(after) Tj ET Q q 0 0 0 rg BT 179.53 633.06 Td (-tax\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 196.52 637.14 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.00 633.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.75 633.05 Td (\(4,837) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 633.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 633.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 633.06 Td (\(4,450) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.50 633.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 633.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 633.06 Td (\(3,961) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 633.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 619.06 Td (Estimated initial impact on Common Equity ) Tj ET Q q 0 0 0 rg BT 200.32 619.06 Td (T) Tj ET Q q 0 0 0 rg BT 205.50 619.06 Td (ier1 Capital ratio \(bps\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 289.48 623.14 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 619.05 Td (\(57) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 619.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 619.06 Td (\(50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.50 619.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 619.06 Td (\(44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 619.06 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 597.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 597.50 Td (Certain trading-oriented businesses within Citi have accrual-accounted positions that are excluded from the estimated impact to net interest revenue in the table ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 587.90 Td (since these exposures are managed economically in combination with mark-to-market positions. ) Tj ET Q q 0 0 0 rg BT 363.99 587.90 Td (The U.S. dollar interest rate exposure associated with these ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 578.30 Td (businesses was $\(21) Tj ET Q q 0 0 0 rg BT 118.59 578.30 Td (1\)million for a 100 basis point instantaneous increase in interest rates as of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.64 578.30 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 424.50 578.30 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 568.70 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 568.70 Td (Includes the ef) Tj ET Q q 0 0 0 rg BT 100.95 568.70 Td (fect of changes in interest rates on ) Tj ET Q q 0 0 0 rg BT 211.79 568.70 Td (AOCI related to investment securities, cash flow hedges and pension liability adjustments.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 559.10 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 559.10 Td (The estimated initial impact to the Common Equity ) Tj ET Q q 0 0 0 rg BT 220.49 559.10 Td (T) Tj ET Q q 0 0 0 rg BT 225.10 559.10 Td (ier1 Capital ratio considers the ef) Tj ET Q q 0 0 0 rg BT 333.36 559.10 Td (fect of Citi) Tj ET Q q 0 0 0 rg BT 370.24 559.10 Td (s deferred tax asset position and is based on only the estimated ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 549.50 Td (initial ) Tj ET Q q 0 0 0 rg BT 74.22 549.50 Td (AOCI impact above. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 528.50 Td (The sequential decrease in the estimated impact to net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 516.50 Td (interest revenue primarily reflected Citi ) Tj ET Q q 0 0 0 rg BT 196.59 516.50 Td (T) Tj ET Q q 0 0 0 rg BT 202.34 516.50 Td (reasury actions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 504.50 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 504.50 Td (fset by an increase in certain of Citi) Tj ET Q q 0 0 0 rg BT 189.37 504.50 Td (s deposit balances and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 492.50 Td (an increasing capital base. ) Tj ET Q q 0 0 0 rg BT 143.27 492.50 Td (The sequential increase in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 480.50 Td (estimated impact to ) Tj ET Q q 0 0 0 rg BT 116.26 480.50 Td (AOCI and the Common Equity ) Tj ET Q q 0 0 0 rg BT 243.57 480.50 Td (T) Tj ET Q q 0 0 0 rg BT 249.33 480.50 Td (ier 1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 468.50 Td (Capital ratio primarily reflected changes in the composition of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 456.50 Td (Citi ) Tj ET Q q 0 0 0 rg BT 53.32 456.50 Td (T) Tj ET Q q 0 0 0 rg BT 59.08 456.50 Td (reasury) Tj ET Q q 0 0 0 rg BT 91.29 456.50 Td (s investment and interest rate derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 444.50 Td (portfolio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 432.50 Td (In the event of an unanticipated parallel instantaneous 100 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 420.50 Td (basis point increase in interest rates, Citi expects the negative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 408.50 Td (impact to ) Tj ET Q q 0 0 0 rg BT 75.44 408.50 Td (AOCI would be of) Tj ET Q q 0 0 0 rg BT 149.97 408.50 Td (fset in shareholders) Tj ET Q q 0 0 0 rg BT 230.31 408.50 Td ( equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 528.50 Td (through the combination of expected incremental net interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 516.50 Td (revenue and the expected recovery of the impact on ) Tj ET Q q 0 0 0 rg BT 532.52 516.50 Td (AOCI ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 504.50 Td (through accretion of Citi) Tj ET Q q 0 0 0 rg BT 425.36 504.50 Td (s investment portfolio over a period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 492.50 Td (of time. ) Tj ET Q q 0 0 0 rg BT 357.05 492.50 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.50 492.50 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.08 492.50 Td (, Citi expects that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 480.50 Td (negative $4.8 billion impact to ) Tj ET Q q 0 0 0 rg BT 448.42 480.50 Td (AOCI in such a scenario could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 468.50 Td (potentially be of) Tj ET Q q 0 0 0 rg BT 389.36 468.50 Td (fset over approximately 22months.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 456.50 Td (The following table sets forth the estimated impact to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 444.50 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 444.50 Td (s net interest revenue, ) Tj ET Q q 0 0 0 rg BT 430.92 444.50 Td (AOCI and the Common Equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 432.50 Td (T) Tj ET Q q 0 0 0 rg BT 329.76 432.50 Td (ier1 Capital ratio \(on a fully implemented basis\) under four ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 420.50 Td (dif) Tj ET Q q 0 0 0 rg BT 334.93 420.50 Td (ferent changes in interest rate scenarios for the U.S. dollar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 408.50 Td (and Citi) Tj ET Q q 0 0 0 rg BT 358.72 408.50 Td (s other currencies. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 375.00 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.50 375.00 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 375.00 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 375.00 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 375.00 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 347.00 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.50 347.00 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 347.00 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 347.00 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 347.00 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 319.00 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.50 319.00 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 319.00 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 319.00 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 319.00 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 291.00 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.50 291.00 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 291.00 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 291.00 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 291.00 50.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 375 m 376.5 375 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 375 m 426.5 375 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 375 m 476.5 375 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 375 m 526.5 375 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 375 m 576.5 375 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 347 m 376.5 347 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 347 m 426.5 347 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 347 m 476.5 347 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 347 m 526.5 347 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 347 m 576.5 347 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 305 m 376.5 305 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 305 m 426.5 305 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 305 m 476.5 305 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 305 m 526.5 305 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 305 m 576.5 305 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 291 m 376.5 291 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 291 m 426.5 291 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 291 m 476.5 291 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 291 m 526.5 291 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 291 m 576.5 291 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 277 m 376.5 277 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 277 m 426.5 277 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 277 m 476.5 277 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 277 m 526.5 277 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 277 m 576.5 277 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 263 m 376.5 263 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 263 m 426.5 263 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 263 m 476.5 263 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 263 m 526.5 263 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 263 m 576.5 263 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 379.25 Td (In millions of dollars \(unless otherwise noted\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.85 379.45 Td (Scenario 1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.85 379.45 Td (Scenario 2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.85 379.45 Td (Scenario 3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.85 379.45 Td (Scenario 4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 365.46 Td (Overnight rate change \(bps\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.50 365.46 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.50 365.46 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 365.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 365.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 351.46 Td (10-year rate change \(bps\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.50 351.46 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.00 351.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 351.46 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 351.46 Td (\(100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 351.46 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 337.45 Td (Estimated annualized impact to net inter) Tj ET Q q 0 0 0 rg BT 195.58 337.45 Td (est r) Tj ET Q q 0 0 0 rg BT 212.15 337.45 Td (evenue) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.65 337.45 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 323.46 Td (U.S. dollar) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 323.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.75 323.46 Td (1,419) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 323.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.75 323.46 Td (1,346) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 323.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 323.46 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 323.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 323.46 Td (\(172) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 323.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 309.46 Td (All other currencies) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.50 309.46 Td (635) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.50 309.46 Td (580) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 309.46 Td (36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 309.46 Td (\(36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 309.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 295.46 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 295.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.75 295.46 Td (2,054) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 295.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.75 295.46 Td (1,926) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 295.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 295.46 Td (136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 295.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 295.46 Td (\(208) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 295.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 281.46 Td (Estimated initial impact to ) Tj ET Q q 0 0 0 rg BT 135.98 281.46 Td (AOCI \(after) Tj ET Q q 0 0 0 rg BT 179.53 281.46 Td (-tax\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 196.52 285.54 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 281.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 281.46 Td (\(4,837) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.00 281.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 281.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.75 281.46 Td (\(2,893) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 281.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 281.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.75 281.46 Td (\(2,212) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 281.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 281.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 281.46 Td (1,845) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 267.46 Td (Estimated initial impact to Common Equity ) Tj ET Q q 0 0 0 rg BT 198.32 267.46 Td (T) Tj ET Q q 0 0 0 rg BT 203.50 267.46 Td (ier1 Capital ratio \(bps\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 287.48 271.54 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.00 267.46 Td (\(57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.00 267.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.00 267.46 Td (\(34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 267.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.00 267.46 Td (\(26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 267.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 267.46 Td (22) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 245.90 Td (Note: Each scenario in the table above assumes that the rate change will occur instantaneously) Tj ET Q q 0 0 0 rg BT 337.59 245.90 Td (. Changes in interest rates for maturities between the overnight rate and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 236.30 Td (the 10-year rate are interpolated. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 226.70 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 226.70 Td (Includes the ef) Tj ET Q q 0 0 0 rg BT 100.95 226.70 Td (fect of changes in interest rates on ) Tj ET Q q 0 0 0 rg BT 211.79 226.70 Td (AOCI related to investment securities, cash flow hedges and pension liability adjustments.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 217.10 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 217.10 Td (The estimated initial impact to the Common Equity ) Tj ET Q q 0 0 0 rg BT 220.49 217.10 Td (T) Tj ET Q q 0 0 0 rg BT 225.10 217.10 Td (ier1 Capital ratio considers the ef) Tj ET Q q 0 0 0 rg BT 333.36 217.10 Td (fect of Citi) Tj ET Q q 0 0 0 rg BT 370.24 217.10 Td (s deferred tax asset position and is based on only the estimated ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 207.50 Td (AOCI impact above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 186.50 Td (As shown in the table above, the magnitude of the impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 174.50 Td (to Citi) Tj ET Q q 0 0 0 rg BT 64.06 174.50 Td (s net interest revenue and ) Tj ET Q q 0 0 0 rg BT 167.64 174.50 Td (AOCI is greater under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 162.50 Td (scenario 2 as compared to scenario 3. ) Tj ET Q q 0 0 0 rg BT 187.98 162.50 Td (This is because the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 150.50 Td (combination of changes to Citi) Tj ET Q q 0 0 0 rg BT 162.09 150.50 Td (s investment portfolio, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 138.50 Td (partially of) Tj ET Q q 0 0 0 rg BT 79.97 138.50 Td (fset by changes related to Citi) Tj ET Q q 0 0 0 rg BT 201.88 138.50 Td (s pension liabilities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 126.50 Td (results in a net position that is more sensitive to rates at shorter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 114.50 Td (and intermediate term maturities.) Tj ET Q endstream endobj 203 0 obj <> endobj 204 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 33.60 Td (99) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Changes in For) Tj ET Q q 0 0 0 rg BT 101.38 749.25 Td (eign Exchange RatesImpacts on ) Tj ET Q q 0 0 0 rg BT 249.16 749.25 Td (AOCI ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (and Capital) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (As of December 31, 2015, Citi estimates that an unanticipated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (parallel instantaneous 5% appreciation of the U.S. dollar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (against all of the other currencies in which Citi has invested ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (capital could reduce Citi) Tj ET Q q 0 0 0 rg BT 136.80 689.25 Td (s tangible common equity \(TCE\) by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (approximately $1.5 billion, or 0.8% of ) Tj ET Q q 0 0 0 rg BT 192.18 677.25 Td (TCE, as a result of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (changes to Citi) Tj ET Q q 0 0 0 rg BT 98.77 665.25 Td (s foreign currency translation adjustment in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (AOCI, net of hedges. ) Tj ET Q q 0 0 0 rg BT 123.58 653.25 Td (This impact would be primarily due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (changes in the value of the Mexican peso, the Euro, the British ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (pound sterling and the Chinese yuan.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 617.25 Td (This impact is also before any mitigating actions Citi may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (take, including ongoing management of its foreign currency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (translation exposure. Specifically) Tj ET Q q 0 0 0 rg BT 168.92 593.25 Td (, as currency movements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (change the value of Citi) Tj ET Q q 0 0 0 rg BT 134.30 581.25 Td (s net investments in foreign-currency-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (denominated capital, these movements also change the value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (of Citi) Tj ET Q q 0 0 0 rg BT 64.61 557.25 Td (s risk-weighted assets denominated in those currencies. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (This, coupled with Citi) Tj ET Q q 0 0 0 rg BT 131.00 545.25 Td (s foreign currency hedging strategies, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (such as foreign currency borrowings, foreign currency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (forwards and other currency hedging instruments, lessens the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (impact of foreign currency movements on Citi) Tj ET Q q 0 0 0 rg BT 224.28 509.25 Td (s Common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (Equity ) Tj ET Q q 0 0 0 rg BT 64.98 497.25 Td (T) Tj ET Q q 0 0 0 rg BT 70.74 497.25 Td (ier1 Capital ratio. Changes in these hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (strategies, as well as hedging costs, divestitures and tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (impacts, can further impact the actual impact of changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (foreign exchange rates on Citi) Tj ET Q q 0 0 0 rg BT 159.29 461.25 Td (s capital as compared to an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (unanticipated parallel shock, as described above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 437.25 Td (The ef) Tj ET Q q 0 0 0 rg BT 79.63 437.25 Td (fect of Citi) Tj ET Q q 0 0 0 rg BT 125.73 437.25 Td (s ongoing management strategies with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (respect to changes in foreign exchange rates and the impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (these changes on Citi) Tj ET Q q 0 0 0 rg BT 124.04 413.25 Td (s ) Tj ET Q q 0 0 0 rg BT 130.25 413.25 Td (TCE and Common Equity ) Tj ET Q q 0 0 0 rg BT 237.28 413.25 Td (T) Tj ET Q q 0 0 0 rg BT 243.04 413.25 Td (ier 1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (Capital ratio are shown in the table below) Tj ET Q q 0 0 0 rg BT 202.25 401.25 Td (. For additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (information in the changes in ) Tj ET Q q 0 0 0 rg BT 155.14 389.25 Td (AOCI, see Note) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.79 389.25 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.79 389.25 Td ( to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (Consolidated Financial Statements.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 338.75 345.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 338.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 338.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 338.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 310.75 345.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 310.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 310.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 310.75 62.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 352.75 m 444.5 352.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 352.75 m 506.5 352.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 352.75 m 568.5 352.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 338.75 m 381.5 338.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 338.75 m 444.5 338.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 352.75 m 506.5 352.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 338.75 m 506.5 338.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 338.75 m 568.5 338.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 296.75 m 381.5 296.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 296.75 m 444.5 296.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 296.75 m 506.5 296.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 296.75 m 568.5 296.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 273.75 m 381.5 273.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 273.75 m 444.5 273.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 273.75 m 506.5 273.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 273.75 m 568.5 273.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 357.20 Td (For the quarter ended) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 343.00 Td (In millions of dollars \(unless otherwise noted\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.25 343.20 Td (Dec. 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.95 343.21 Td (Sept. 30, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 343.21 Td (Dec. 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 329.21 Td (Change in FX spot rate) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 122.49 333.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 329.20 Td (\(1.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 329.20 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 329.21 Td (\(6.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 329.21 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 329.21 Td (\(4.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.50 329.21 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 315.21 Td (Change in TCE due to FX translation, net of hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.00 315.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.50 315.20 Td (\(696) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 315.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.00 315.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.25 315.21 Td (\(2,010) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 315.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 315.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 315.21 Td (\(1,932) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.50 315.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 301.21 Td (As a percentage of TCE) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 301.20 Td (\(0.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 301.20 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 301.21 Td (\(1.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 301.21 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 301.21 Td (\(1.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.50 301.21 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 287.21 Td (Estimated impact to Common Equity ) Tj ET Q q 0 0 0 rg BT 175.07 287.21 Td (T) Tj ET Q q 0 0 0 rg BT 180.25 287.21 Td (ier 1 Capital ratio \(on a fully implemented basis\) due ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 278.21 Td ( to changes in FX translation, net of hedges \(bps\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 278.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.00 278.21 Td (\(5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 278.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 278.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.50 278.21 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 255.05 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 255.05 Td (FX spot rate change is a weighted average based upon Citi) Tj ET Q q 0 0 0 rg BT 243.72 255.05 Td (s quarterly average GAAP) Tj ET Q q 0 0 0 rg BT 328.06 255.05 Td ( capital exposure to foreign countries.) Tj ET Q endstream endobj 205 0 obj <> endobj 206 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (100) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 57.48 749.25 Td (est Revenue/Expense and Net Inter) Tj ET Q q 0 0 0 rg BT 206.73 749.25 Td (est Margin) Tj ET Q /GS0 gs q 540.00 0 0 233.90 36.00 502.35 cm /I28 Do Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 460.85 172.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 460.85 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 460.85 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 460.85 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 460.85 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 460.85 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 460.85 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 460.85 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.50 460.85 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 460.85 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 557.50 460.85 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 432.85 172.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 432.85 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 432.85 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 432.85 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 432.85 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 432.85 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 432.85 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 432.85 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.50 432.85 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 432.85 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 557.50 432.85 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 404.85 172.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 404.85 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 404.85 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 404.85 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 404.85 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 404.85 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 404.85 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 404.85 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.50 404.85 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 404.85 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 557.50 404.85 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 376.85 172.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 376.85 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 376.85 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 376.85 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 376.85 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 376.85 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 376.85 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 376.85 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.50 376.85 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 376.85 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 557.50 376.85 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 348.85 172.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 348.85 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 348.85 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 348.85 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 348.85 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 348.85 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 348.85 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 348.85 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.50 348.85 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 348.85 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 557.50 348.85 19.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 460.85 m 208.5 460.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 460.85 m 275.5 460.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 460.85 m 322.5 460.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 460.85 m 341.5 460.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 460.85 m 388.5 460.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 460.85 m 407.5 460.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 460.85 m 472.5 460.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 460.85 m 492.5 460.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 460.85 m 557.5 460.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 557.5 460.85 m 576.5 460.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 460.85 m 255.5 460.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 557.5 460.85 m 576.5 460.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 432.85 m 208.5 432.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 432.85 m 255.5 432.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 432.85 m 275.5 432.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 432.85 m 322.5 432.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 432.85 m 341.5 432.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 432.85 m 388.5 432.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 432.85 m 407.5 432.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 432.85 m 492.5 432.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 418.85 m 208.5 418.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 418.85 m 255.5 418.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 418.85 m 275.5 418.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 432.85 m 322.5 432.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 418.85 m 322.5 418.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 418.85 m 341.5 418.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 432.85 m 388.5 432.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 418.85 m 388.5 418.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 432.85 m 407.5 432.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 418.85 m 407.5 418.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 432.85 m 472.5 432.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 418.85 m 472.5 418.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 418.85 m 492.5 418.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 432.85 m 557.5 432.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 418.85 m 557.5 418.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 557.5 432.85 m 576.5 432.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 557.5 418.85 m 576.5 418.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 418.85 m 322.5 418.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 418.85 m 388.5 418.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 418.85 m 407.5 418.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 418.85 m 557.5 418.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 557.5 418.85 m 576.5 418.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 376.85 m 208.5 376.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 376.85 m 255.5 376.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 376.85 m 275.5 376.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 376.85 m 322.5 376.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 376.85 m 341.5 376.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 376.85 m 388.5 376.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 376.85 m 407.5 376.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 376.85 m 472.5 376.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 376.85 m 492.5 376.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 376.85 m 557.5 376.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 557.5 376.85 m 576.5 376.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 334.85 m 208.5 334.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 334.85 m 255.5 334.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 334.85 m 275.5 334.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 334.85 m 322.5 334.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 334.85 m 341.5 334.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 334.85 m 388.5 334.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 334.85 m 407.5 334.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 334.85 m 472.5 334.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 334.85 m 492.5 334.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 334.85 m 557.5 334.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 557.5 334.85 m 576.5 334.85 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 320.85 m 208.5 320.85 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 320.85 m 255.5 320.85 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 320.85 m 275.5 320.85 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 320.85 m 322.5 320.85 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 320.85 m 341.5 320.85 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 320.85 m 388.5 320.85 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 334.85 m 407.5 334.85 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 320.85 m 407.5 320.85 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 320.85 m 472.5 320.85 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 320.85 m 492.5 320.85 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 320.85 m 557.5 320.85 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 557.5 320.85 m 576.5 320.85 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 465.10 Td (In millions of dollars, except as otherwise noted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.50 465.30 Td (2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.00 465.30 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.50 465.31 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.50 465.30 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.50 465.31 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.70 474.30 Td (Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.95 465.30 Td (2015 vs. 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.75 474.31 Td (Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.95 465.31 Td (2014 vs. 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 451.31 Td (Interest revenue) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 96.72 455.39 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.00 451.30 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.25 451.30 Td (59,040) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 451.30 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.00 451.31 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.75 451.31 Td (62,180) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.00 451.30 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 451.31 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 451.31 Td (63,491) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.50 451.30 Td (\(5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.00 451.30 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 451.31 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.50 451.31 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 437.31 Td (Interest expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.25 437.30 Td (11,921) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 437.30 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.75 437.31 Td (13,690) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.00 437.30 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 437.31 Td (16,177) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 437.30 Td (\(13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.00 437.30 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.50 437.31 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.50 437.31 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 423.31 Td (Net interest revenue) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 111.47 427.39 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.00 423.30 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.25 423.30 Td (47,119) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 423.30 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.00 423.31 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.75 423.31 Td (48,490) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.00 423.30 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 423.31 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 423.31 Td (47,314) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.50 423.30 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.00 423.30 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 423.31 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.50 423.31 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 409.31 Td (Interest revenueaverage rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.25 409.30 Td (3.68) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 246.00 409.30 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.75 409.31 Td (3.72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.50 409.31 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.75 409.31 Td (3.83) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.50 409.31 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.50 409.30 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.00 409.30 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.95 409.08 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.50 409.31 Td (\(11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.50 409.31 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 560.90 409.10 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 395.31 Td (Interest expenseaverage rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.25 395.30 Td (0.95) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.75 395.31 Td (1.02) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.75 395.31 Td (1.19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.50 395.30 Td (\(7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.00 395.30 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.95 395.08 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.50 395.31 Td (\(17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.50 395.31 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 561.85 395.10 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 381.31 Td (Net interest margin) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.25 381.30 Td (2.93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.75 381.31 Td (2.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.75 381.31 Td (2.85) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.50 381.30 Td (3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.95 381.08 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 381.31 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 561.85 381.10 Td (bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 367.30 Td (Interest-rate benchmarks) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 367.31 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 367.31 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 367.31 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 367.31 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 353.31 Td (Two-yearU.S.Treasurynoteaveragerate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.25 353.30 Td (0.69) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 246.00 353.30 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.75 353.31 Td (0.46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.50 353.31 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.75 353.31 Td (0.31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.50 353.31 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 353.30 Td (23) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.95 353.08 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 353.31 Td (15) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 561.85 353.10 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 339.31 Td (10-year U.S. Treasury noteaverage rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.25 339.30 Td (2.14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 339.30 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.75 339.31 Td (2.54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.00 339.30 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.75 339.31 Td (2.35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 339.30 Td (\(40) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.00 339.30 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.95 339.08 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 339.31 Td (19) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 561.85 339.10 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 325.31 Td (10-year vs. two-year spread) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.50 325.30 Td (145) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 261.45 324.91 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.00 325.31 Td (208) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 328.25 324.90 Td (bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 325.31 Td (204) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 394.25 324.90 Td (bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.00 325.30 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.00 325.30 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 302.15 Td (Note: ) Tj ET Q q 0 0 0 rg BT 57.33 302.15 Td (All interest expense amounts include FDIC deposit insurance assessments.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 292.55 Td (\(1\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 292.55 Td (Net inter) Tj ET Q q 0 0 0 rg BT 81.92 292.55 Td (est r) Tj ET Q q 0 0 0 rg BT 95.63 292.55 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 117.83 292.55 Td ( includes the taxable equivalent adjustments related to the tax-exempt bond portfolio \(based on the U.S. federal statutory tax rate of 35%\) of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 282.95 Td ($487 million, $498 million, and $521 million for 2015, 2014 and 2013, respectively) Tj ET Q q 0 0 0 rg BT 321.90 282.95 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 273.35 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 273.35 Td (Excludes expenses associated with certain hybrid financial instruments, which are classified as) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 357.46 273.35 Td ( Long-term debt ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.01 273.35 Td (and accounted for at fair value with changes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 263.75 Td (recorded in) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 90.20 263.75 Td ( Principal transactions) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 163.98 263.75 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 232.55 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 232.55 Td (s net interest mar) Tj ET Q q 0 0 0 rg BT 122.19 232.55 Td (gin \(NIM\) is calculated by dividing gross ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 220.55 Td (interest revenue less gross interest expense by average interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 208.55 Td (earning assets. Citi) Tj ET Q q 0 0 0 rg BT 114.60 208.55 Td (s NIM was 2.92% in the fourth quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 196.55 Td (2015, a slight decrease from 2.94% in the third quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 184.55 Td (2015, and improved to 2.93% for the full year 2015, compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 172.55 Td (to 2.90% in 2014. ) Tj ET Q q 0 0 0 rg BT 109.71 172.55 Td (The improvement in Citi) Tj ET Q q 0 0 0 rg BT 211.63 172.55 Td (s NIM for the full ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 160.55 Td (year 2015 was driven by trading NIM and the impact of lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 148.55 Td (cost of funds, primarily declines in the cost of long-term debt, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 136.55 Td (partially of) Tj ET Q q 0 0 0 rg BT 79.97 136.55 Td (fset by lower loan yields. Going into 2016, Citi) Tj ET Q q 0 0 0 rg BT 274.12 136.55 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 124.55 Td (NIM will reflect the sale of OneMain Financial, which will be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 112.55 Td (partially of) Tj ET Q q 0 0 0 rg BT 79.97 112.55 Td (fset by the benefit of debt repurchases during 2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 100.55 Td (including in the fourth quarter of 2015. ) Tj ET Q q 0 0 0 rg BT 196.80 100.55 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 246.14 100.55 Td (, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 88.55 Td (currently expects a decrease in its NIM in the first half of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 76.55 Td (2016.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 64.55 Td (As noted in the tables above, Citi) Tj ET Q q 0 0 0 rg BT 189.81 64.55 Td (s interest expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 52.55 Td (includes the impact of FDIC deposit insurance assessments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 232.55 Td (As part of the Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 432.04 232.55 Td (Act, the FDIC is required to ensure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 220.55 Td (that its deposit insurance fund reserve ratio reaches 1.35% by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 208.55 Td (September 30, 2020. In the fourth quarter of 2015, the FDIC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 196.55 Td (issued a notice of proposed rulemaking that would impose on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 184.55 Td (insured depository institutions with at least $10 billion in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 172.55 Td (assets \(lar) Tj ET Q q 0 0 0 rg BT 363.53 172.55 Td (ge banks\), which includes Citibank, a surchar) Tj ET Q q 0 0 0 rg BT 545.52 172.55 Td (ge of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 160.55 Td (4.5 basis points per annum until the fund reaches the required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 148.55 Td (ratio, which the FDIC estimates would take approximately two ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 136.55 Td (years. Based on its current assessment base, Citi estimates the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 124.55 Td (net impact to Citibank would be approximately $500 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 112.55 Td (over the two-year period. ) Tj ET Q q 0 0 0 rg BT 429.52 112.55 Td (As part of its proposed rulemaking, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 100.55 Td (the FDIC also discussed an alternative to the surchar) Tj ET Q q 0 0 0 rg BT 534.32 100.55 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 88.55 Td (proposal which would impose a one-time assessment, similar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 76.55 Td (to a shortfall assessment, on lar) Tj ET Q q 0 0 0 rg BT 449.35 76.55 Td (ge banks in order to reach the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 64.55 Td (1.35% tar) Tj ET Q q 0 0 0 rg BT 362.70 64.55 Td (get. ) Tj ET Q q 0 0 0 rg BT 379.36 64.55 Td (As discussed by the FDIC, this shortfall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 52.55 Td (assessment would be approximately 12 basis points on the ) Tj ET Q endstream endobj 207 0 obj <> endobj 208 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (101) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (then-current assessment base in the quarter determined by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (FDIC. If the FDIC were to adopt this approach, Citi estimates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (the net impact to Citibank would be approximately $900 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (million, based on its current assessment base. ) Tj ET Q q 0 0 0 rg BT 219.58 713.10 Td (As an alternative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (to either of the proposals put forth by the FDIC, in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (commenting on the FDIC) Tj ET Q q 0 0 0 rg BT 141.27 689.10 Td (s notice of proposed rulemaking, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (industry groups recommended that in lieu of any surchar) Tj ET Q q 0 0 0 rg BT 262.43 677.10 Td (ge on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (lar) Tj ET Q q 0 0 0 rg BT 334.37 749.10 Td (ge banks, the FDIC maintain the assessment rate framework ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (in ef) Tj ET Q q 0 0 0 rg BT 341.87 737.10 Td (fect as of year) Tj ET Q q 0 0 0 rg BT 398.02 737.10 Td (-end 2015 until the reserve ratio reaches ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (1.35%, which would be expected to occur by year) Tj ET Q q 0 0 0 rg BT 523.73 725.10 Td (-end 2019 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (\(and within the timeframe required under the Dodd-Frank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (Act\). It is not certain when the FDIC) Tj ET Q q 0 0 0 rg BT 473.97 701.10 Td (s proposal will be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (finalized and what the ultimate impact will be to Citi. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (Additional Inter) Tj ET Q q 0 0 0 rg BT 105.55 653.10 Td (est Rate Details) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (A) Tj ET Q q 0 0 0 rg BT 41.93 629.10 Td (verage Balances and Interest RatesAssets) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 222.48 633.63 Td (\(1\)\(2\)\(3\)\(4\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 568.60 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 568.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 568.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 568.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 568.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 568.60 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 568.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 568.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 568.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 568.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 522.60 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 522.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 522.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 522.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 522.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 522.60 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 522.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 522.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 522.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 522.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 494.60 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 494.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 494.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 494.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 494.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 494.60 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 494.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 494.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 494.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 494.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 466.60 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 466.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 466.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 466.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 466.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 466.60 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 466.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 466.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 466.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 466.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 438.60 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 438.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 438.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 438.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 438.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 438.60 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 438.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 438.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 438.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 438.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 410.60 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 410.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 410.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 410.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 410.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 410.60 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 410.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 410.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 410.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 410.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 382.60 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 382.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 382.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 382.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 382.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 382.60 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 382.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 382.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 382.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 382.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 354.60 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 354.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 354.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 354.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 354.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 354.60 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 354.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 354.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 354.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 354.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 326.60 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 326.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 326.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 326.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 326.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 326.60 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 326.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 326.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 326.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 326.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 298.60 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 298.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 298.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 298.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 298.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 298.60 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 298.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 298.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 298.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 298.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 270.60 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 270.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 270.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 270.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 270.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 270.60 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 270.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 270.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 270.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 270.60 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 242.60 137.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 242.60 52.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 242.60 52.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 242.60 52.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 242.60 41.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 242.60 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 242.60 41.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 242.60 41.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 242.60 41.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 242.60 41.00 -23.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 596.6 m 225.5 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 596.6 m 277.5 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 596.6 m 329.5 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 596.6 m 370.5 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 596.6 m 412.5 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 596.6 m 453.5 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 596.6 m 494.5 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 596.6 m 535.5 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 596.6 m 576.5 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 582.6 m 173.5 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 582.6 m 225.5 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 582.6 m 277.5 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 596.6 m 329.5 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 582.6 m 329.5 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 582.6 m 370.5 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 582.6 m 412.5 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 596.6 m 453.5 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 582.6 m 453.5 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 582.6 m 494.5 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 582.6 m 535.5 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 582.6 m 576.5 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 582.6 m 329.5 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 582.6 m 453.5 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 554.6 m 173.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 554.6 m 277.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 568.6 m 329.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 554.6 m 329.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 554.6 m 412.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 554.6 m 453.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 568.6 m 453.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 554.6 m 494.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 554.6 m 535.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 554.6 m 576.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 554.6 m 225.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 554.6 m 277.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 554.6 m 329.5 522.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 554.6 m 329.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 554.6 m 370.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 554.6 m 412.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 554.6 m 453.5 522.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 554.6 m 453.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 554.6 m 576.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 522.6 m 329.5 508.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 522.6 m 453.5 508.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 494.6 m 173.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 494.6 m 277.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 508.6 m 329.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 494.6 m 329.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 494.6 m 412.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 508.6 m 453.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 494.6 m 453.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 508.6 m 453.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 494.6 m 494.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 494.6 m 576.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 480.6 m 173.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 494.6 m 225.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 480.6 m 225.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 494.6 m 277.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 480.6 m 277.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 494.6 m 329.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 494.6 m 329.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 480.6 m 329.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 494.6 m 370.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 480.6 m 370.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 494.6 m 412.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 480.6 m 412.5 480.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 494.6 m 453.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 480.6 m 453.5 480.6 l s 0 0 0 RG /GS0 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gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 270.6 m 576.5 270.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 256.6 m 576.5 256.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 256.6 m 225.5 256.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 256.6 m 277.5 256.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 256.6 m 329.5 242.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 256.6 m 329.5 256.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 256.6 m 370.5 256.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 256.6 m 412.5 256.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 256.6 m 453.5 242.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 256.6 m 453.5 256.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 256.6 m 494.5 256.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 256.6 m 576.5 256.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 219.60000000000002 m 173.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 219.60000000000002 m 277.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 242.60000000000002 m 329.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 219.60000000000002 m 329.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 242.60000000000002 m 453.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 205.60000000000002 m 173.5 205.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 219.60000000000002 m 225.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 205.60000000000002 m 225.5 205.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 219.60000000000002 m 277.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 205.60000000000002 m 277.5 205.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 219.60000000000002 m 329.5 205.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 219.60000000000002 m 329.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 205.60000000000002 m 329.5 205.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 205.60000000000002 m 370.5 205.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 205.60000000000002 m 412.5 205.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 219.60000000000002 m 453.5 205.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 205.60000000000002 m 453.5 205.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 205.60000000000002 m 494.5 205.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 205.60000000000002 m 535.5 205.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 205.60000000000002 m 576.5 205.60000000000002 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 601.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.20 601.05 Td (Average volume) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.75 601.05 Td (Interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.55 601.05 Td (% Average rate) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 586.85 Td (In millions of dollars, except rates) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.00 587.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 587.06 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 294.00 587.06 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.50 587.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 587.06 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.50 587.06 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.50 587.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.50 587.06 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.50 587.06 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 573.05 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 573.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 573.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 573.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 573.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 573.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 573.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 559.05 Td (Deposits with banks) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 116.02 563.13 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 559.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 559.05 Td (133,790) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 559.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 559.06 Td (161,359) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 559.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 559.06 Td (144,904) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 559.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.50 559.05 Td (727) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 559.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.50 559.06 Td (959) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 559.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 559.06 Td (1,026) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 559.05 Td (0.54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 559.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 559.06 Td (0.59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 559.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 559.06 Td (0.71) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 559.06 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 545.05 Td (Federal funds sold and securities ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 536.05 Td (borr) Tj ET Q q 0 0 0 rg BT 56.33 536.05 Td (owed or) Tj ET Q q 0 0 0 rg BT 86.91 536.05 Td ( pur) Tj ET Q q 0 0 0 rg BT 103.01 536.05 Td (chased under) Tj ET Q q 0 0 0 rg BT 154.10 536.05 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 527.05 Td (agr) Tj ET Q q 0 0 0 rg BT 51.83 527.05 Td (eements to r) Tj ET Q q 0 0 0 rg BT 98.65 527.05 Td (esell) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 115.14 531.13 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 513.06 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 513.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 513.05 Td (150,359) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 513.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 513.06 Td (153,688) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 513.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 513.06 Td (158,237) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 513.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 513.05 Td (1,211) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 513.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.75 513.06 Td (1,034) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 513.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 513.06 Td (1,133) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 513.05 Td (0.81) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 513.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 513.06 Td (0.67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 513.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 513.06 Td (0.72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 513.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 499.06 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 499.06 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 132.82 503.14 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.25 499.05 Td (84,006) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 499.06 Td (101,177) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 499.06 Td (109,233) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 499.05 Td (1,305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.75 499.06 Td (1,332) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 499.06 Td (1,433) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 499.05 Td (1.55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 499.06 Td (1.32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 499.06 Td (1.31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 485.06 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 485.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 485.05 Td (234,365) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 485.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 485.06 Td (254,865) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 485.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 485.06 Td (267,470) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 485.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 485.05 Td (2,516) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 485.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.75 485.06 Td (2,366) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 485.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 485.06 Td (2,566) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 485.05 Td (1.07) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 485.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 485.06 Td (0.93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 485.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 485.06 Td (0.96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 485.06 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 471.05 Td (T) Tj ET Q q 0 0 0 rg BT 44.33 471.05 Td (rading account assets) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 126.34 475.13 Td (\(7\)\(8\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 457.06 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 457.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 457.05 Td (114,639) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 457.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 457.06 Td (114,910) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 457.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 457.06 Td (126,123) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 457.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 457.05 Td (3,945) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 457.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.75 457.06 Td (3,472) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 457.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 457.06 Td (3,728) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 457.05 Td (3.44) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 457.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 457.06 Td (3.02) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 457.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 457.06 Td (2.96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 457.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 443.06 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 443.06 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 132.82 447.14 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 443.05 Td (103,348) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 443.06 Td (119,801) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 443.06 Td (127,291) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 443.05 Td (2,141) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.75 443.06 Td (2,538) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 443.06 Td (2,683) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 443.05 Td (2.07) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 443.06 Td (2.12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 443.06 Td (2.11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 429.06 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 429.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 429.05 Td (217,987) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 429.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 429.06 Td (234,711) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 429.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 429.06 Td (253,414) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 429.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 429.05 Td (6,086) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 429.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.75 429.06 Td (6,010) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 429.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 429.06 Td (6,411) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 429.05 Td (2.79) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 429.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 429.06 Td (2.56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 429.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 429.06 Td (2.53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 429.06 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 415.05 Td (Investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 401.06 Td (In U.S. offices) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 387.06 Td (Taxable) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 387.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 387.05 Td (214,714) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 387.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 387.06 Td (188,910) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 387.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 387.06 Td (174,084) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 387.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 387.05 Td (3,812) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 387.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.75 387.06 Td (3,286) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 387.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 387.06 Td (2,713) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 387.05 Td (1.78) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 387.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 387.06 Td (1.74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 387.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 387.06 Td (1.56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 387.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 373.06 Td (Exempt from U.S. income tax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.25 373.05 Td (20,034) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.25 373.06 Td (20,386) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.25 373.06 Td (18,075) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.50 373.05 Td (443) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.50 373.06 Td (626) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 373.06 Td (811) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 373.05 Td (2.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 373.06 Td (3.07) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 373.06 Td (4.49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 359.06 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 359.06 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 132.82 363.14 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 359.05 Td (102,376) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 359.06 Td (113,163) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 359.06 Td (114,122) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 359.05 Td (3,071) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.75 359.06 Td (3,627) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 359.06 Td (3,761) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 359.05 Td (3.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 359.06 Td (3.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 359.06 Td (3.30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 345.06 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 345.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 345.05 Td (337,124) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 345.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 345.06 Td (322,459) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 345.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 345.06 Td (306,281) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 345.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 345.05 Td (7,326) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 345.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.75 345.06 Td (7,539) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 345.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 345.06 Td (7,285) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 345.05 Td (2.17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 345.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 345.06 Td (2.34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 345.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 345.06 Td (2.38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 345.06 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 331.05 Td (Loans\(netofunearnedincome\)) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 161.00 335.13 Td (\(9\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 317.06 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 317.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 317.05 Td (354,439) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 317.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 317.06 Td (361,769) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 317.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 317.06 Td (354,707) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 317.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.25 317.05 Td (24,558) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 317.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.25 317.06 Td (26,076) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 317.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 317.06 Td (25,941) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 317.05 Td (6.93) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 317.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 317.06 Td (7.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 317.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 317.06 Td (7.31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 317.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 303.06 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 303.06 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 132.82 307.14 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 303.05 Td (273,072) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 303.06 Td (296,656) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 303.06 Td (292,852) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.25 303.05 Td (15,988) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.25 303.06 Td (18,723) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 303.06 Td (19,660) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 303.05 Td (5.85) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 303.06 Td (6.31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 303.06 Td (6.71) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 289.06 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 289.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 289.05 Td (627,511) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 289.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 289.06 Td (658,425) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 289.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 289.06 Td (647,559) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 289.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.25 289.05 Td (40,546) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 289.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.25 289.06 Td (44,799) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 289.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 289.06 Td (45,601) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 289.05 Td (6.46) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 289.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 289.06 Td (6.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 289.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 289.06 Td (7.04) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 289.06 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 275.05 Td (Other) Tj ET Q q 0 0 0 rg BT 61.83 275.05 Td ( inter) Tj ET Q q 0 0 0 rg BT 82.41 275.05 Td (est-earning assets) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 149.65 279.13 Td (\(10\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 275.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.25 275.05 Td (55,060) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 275.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.25 275.06 Td (40,375) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 275.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.25 275.06 Td (38,233) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 275.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 275.05 Td (1,839) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 275.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.50 275.06 Td (507) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 275.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 275.06 Td (602) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 275.05 Td (3.34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 275.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 275.06 Td (1.26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 275.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 275.06 Td (1.57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 275.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 261.06 Td (Total interest-earning assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 261.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 261.05 Td (1,605,837) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 261.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 261.06 Td (1,672,194) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 261.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 261.06 Td (1,657,861) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 261.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.25 261.05 Td (59,040) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 261.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.25 261.06 Td (62,180) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 261.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 261.06 Td (63,491) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 261.05 Td (3.68) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 261.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 261.06 Td (3.72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 261.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 261.06 Td (3.83) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 261.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 247.06 Td (Non-interest-earningassets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 137.22 251.14 Td (\(7\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 247.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 247.05 Td (218,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 247.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.75 247.06 Td (224,721) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 247.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.75 247.06 Td (222,526) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 233.06 Td (Total assets from discontinued) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 224.06 Td (operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.00 224.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 265.00 224.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.75 224.06 Td (2,909) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 210.05 Td (Total assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 210.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 210.05 Td (1,823,837) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 210.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 210.06 Td (1,896,915) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.00 210.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.00 210.06 Td (1,883,296) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 188.50 Td (\(1\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 188.50 Td (Net inter) Tj ET Q q 0 0 0 rg BT 81.92 188.50 Td (est r) Tj ET Q q 0 0 0 rg BT 95.63 188.50 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 117.83 188.50 Td ( includes the taxable equivalent adjustments related to the tax-exempt bond portfolio \(based on the U.S. federal statutory tax rate of 35%\) of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 178.90 Td ($487 million, $498 million and $521 million for 2015, 2014 and 2013, respectively) Tj ET Q q 0 0 0 rg BT 319.90 178.90 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 169.30 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 169.30 Td (Interest rates and amounts include the ef) Tj ET Q q 0 0 0 rg BT 183.14 169.30 Td (fects of risk management activities associated with the respective asset categories.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 159.70 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 159.70 Td (Monthly or quarterly averages have been used by certain subsidiaries where daily averages are unavailable.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 150.10 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 150.10 Td (Detailed average volume,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 135.96 150.10 Td ( Inter) Tj ET Q q 0 0 0 rg BT 153.21 150.10 Td (est r) Tj ET Q q 0 0 0 rg BT 166.92 150.10 Td (evenue ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 191.12 150.10 Td (and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 204.67 150.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 219.93 150.10 Td (est expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 256.13 150.10 Td ( exclude ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 285.00 150.10 Td (Discontinued operations) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.89 150.10 Td (. See Note) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 398.99 150.10 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 402.99 150.10 Td ( to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 140.50 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 140.50 Td (A) Tj ET Q q 0 0 0 rg BT 59.18 140.50 Td (verage rates reflect prevailing local interest rates, including inflationary ef) Tj ET Q q 0 0 0 rg BT 296.27 140.50 Td (fects and monetary corrections in certain countries.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 130.90 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 130.90 Td (A) Tj ET Q q 0 0 0 rg BT 59.18 130.90 Td (verage volumes of securities borrowed or purchased under agreements to resell are reported net pursuant to ) Tj ET Q q 0 0 0 rg BT 403.95 130.90 Td (ASC210-20-45. However) Tj ET Q q 0 0 0 rg BT 487.84 130.90 Td (, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 491.84 130.90 Td (Inter) Tj ET Q q 0 0 0 rg BT 507.09 130.90 Td (est r) Tj ET Q q 0 0 0 rg BT 520.79 130.90 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 543.00 130.90 Td ( excludes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 121.30 Td (the impact of ) Tj ET Q q 0 0 0 rg BT 97.77 121.30 Td (ASC 210-20-45.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 111.70 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 111.70 Td (The fair value carrying amounts of derivative contracts are reported net, pursuant to ) Tj ET Q q 0 0 0 rg BT 323.67 111.70 Td (ASC 815-10-45, in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 386.79 111.70 Td (Non-inter) Tj ET Q q 0 0 0 rg BT 417.60 111.70 Td (est-earning assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.15 111.70 Td ( and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 490.70 111.70 Td (Other non-inter) Tj ET Q q 0 0 0 rg BT 540.84 111.70 Td (est-) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 102.10 Td (bearing liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 111.11 102.10 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 92.50 Td (\(8\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 92.50 Td (Inter) Tj ET Q q 0 0 0 rg BT 69.25 92.50 Td (est expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 105.46 92.50 Td ( on ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 117.46 92.50 Td (T) Tj ET Q q 0 0 0 rg BT 121.46 92.50 Td (rading account liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 202.35 92.50 Td ( of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 213.01 92.50 Td (ICG) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.79 92.50 Td ( is reported as a reduction of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 319.87 92.50 Td (Inter) Tj ET Q q 0 0 0 rg BT 335.12 92.50 Td (est r) Tj ET Q q 0 0 0 rg BT 348.82 92.50 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.03 92.50 Td (. ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 375.03 92.50 Td (Inter) Tj ET Q q 0 0 0 rg BT 390.28 92.50 Td (est r) Tj ET Q q 0 0 0 rg BT 403.98 92.50 Td (evenue ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.19 92.50 Td (and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 441.74 92.50 Td (Inter) Tj ET Q q 0 0 0 rg BT 456.99 92.50 Td (est expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.20 92.50 Td ( on cash collateral ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 82.90 Td (positions are reported in interest on ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 169.08 82.90 Td (T) Tj ET Q q 0 0 0 rg BT 173.09 82.90 Td (rading account assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.86 82.90 Td ( and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 258.41 82.90 Td (T) Tj ET Q q 0 0 0 rg BT 262.42 82.90 Td (rading account liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.30 82.90 Td (, respectively) Tj ET Q q 0 0 0 rg BT 385.43 82.90 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 73.30 Td (\(9\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 73.30 Td (Includes cash-basis loans.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 63.70 Td (\(10\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 63.70 Td (Includes brokerage receivables.) Tj ET Q endstream endobj 209 0 obj <> endobj 210 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (102) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (A) Tj ET Q q 0 0 0 rg BT 41.93 749.25 Td (verage Balances and Interest RatesLiabilities and Equity) Tj ET Q q 0 0 0 rg BT 285.45 749.25 Td (, and Net Interest Revenue) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 395.17 753.78 Td (\(1\)\(2\)\(3\)\(4\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 688.75 147.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 688.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.50 688.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 688.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 688.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 688.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 688.75 43.00 -14.00 re f /GS0 gs 0.8 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0.9333333333333333 1 rg /GS0 gs 285.50 193.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 193.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 193.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 193.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 193.75 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 193.75 37.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 539.50 193.75 37.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 716.75 m 234.5 716.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 716.75 m 285.5 716.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 716.75 m 336.5 716.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 716.75 m 379.5 716.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 716.75 m 422.5 716.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 716.75 m 465.5 716.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 716.75 m 502.5 716.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 716.75 m 539.5 716.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 716.75 m 576.5 716.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 702.75 m 183.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 702.75 m 234.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 702.75 m 285.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 716.75 m 336.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 702.75 m 336.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 702.75 m 379.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 702.75 m 422.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 716.75 m 465.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 702.75 m 465.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 702.75 m 502.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 702.75 m 539.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 702.75 m 576.5 702.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 702.75 m 336.5 688.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 702.75 m 465.5 688.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 688.75 m 336.5 674.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 688.75 m 465.5 674.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 674.75 m 336.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 674.75 m 465.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 674.75 m 465.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 646.75 m 183.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 646.75 m 285.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 660.75 m 336.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 660.75 m 465.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 660.75 m 465.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 632.75 m 183.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 646.75 m 234.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 646.75 m 285.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 632.75 m 285.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 646.75 m 336.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 646.75 m 336.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 632.75 m 336.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 646.75 m 379.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 632.75 m 379.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 646.75 m 422.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 632.75 m 422.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 646.75 m 465.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 646.75 m 465.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 632.75 m 465.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 646.75 m 465.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 646.75 m 502.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 632.75 m 502.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 646.75 m 539.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 632.75 m 539.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 646.75 m 576.5 646.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 632.75 m 576.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 632.75 m 234.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 632.75 m 285.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 632.75 m 336.5 600.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 632.75 m 336.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 632.75 m 379.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 632.75 m 422.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 632.75 m 465.5 600.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 632.75 m 465.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 632.75 m 465.5 600.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 600.75 m 336.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 600.75 m 465.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 600.75 m 465.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 572.75 m 183.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 586.75 m 336.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 572.75 m 379.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 586.75 m 465.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 586.75 m 465.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 558.75 m 183.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 572.75 m 234.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 558.75 m 234.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 572.75 m 285.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 558.75 m 285.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 572.75 m 336.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 572.75 m 336.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 558.75 m 336.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 572.75 m 379.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 558.75 m 379.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 572.75 m 422.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 558.75 m 422.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 572.75 m 465.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 572.75 m 465.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 558.75 m 465.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 572.75 m 465.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 572.75 m 502.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 558.75 m 502.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 572.75 m 539.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 558.75 m 539.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 572.75 m 576.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 558.75 m 576.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 558.75 m 234.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 558.75 m 285.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 558.75 m 336.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 558.75 m 336.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 558.75 m 379.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 558.75 m 422.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 558.75 m 465.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 558.75 m 465.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 558.75 m 465.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 544.75 m 336.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 544.75 m 465.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 544.75 m 465.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 516.75 m 183.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 530.75 m 336.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 530.75 m 465.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 530.75 m 465.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 502.75 m 183.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 516.75 m 234.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 502.75 m 234.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 516.75 m 285.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 502.75 m 285.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 516.75 m 336.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 516.75 m 336.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 502.75 m 336.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 516.75 m 379.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 502.75 m 379.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 516.75 m 422.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 502.75 m 422.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 516.75 m 465.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 516.75 m 465.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 502.75 m 465.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 516.75 m 465.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 516.75 m 502.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 502.75 m 502.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 516.75 m 539.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 502.75 m 539.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 516.75 m 576.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 502.75 m 576.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 502.75 m 234.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 502.75 m 285.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 502.75 m 336.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 502.75 m 336.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 502.75 m 379.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 502.75 m 422.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 502.75 m 465.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 502.75 m 465.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 502.75 m 465.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 488.75 m 336.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 488.75 m 465.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 488.75 m 465.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 460.75 m 183.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 474.75 m 336.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 460.75 m 379.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 460.75 m 422.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 474.75 m 465.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 474.75 m 465.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 446.75 m 183.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 460.75 m 234.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 446.75 m 234.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 460.75 m 285.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 446.75 m 285.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 460.75 m 336.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 460.75 m 336.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 446.75 m 336.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 446.75 m 379.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 460.75 m 422.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 446.75 m 422.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 460.75 m 465.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 460.75 m 465.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 446.75 m 465.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 460.75 m 465.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 460.75 m 502.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 446.75 m 502.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 460.75 m 539.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 446.75 m 539.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 460.75 m 576.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 446.75 m 576.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 446.75 m 234.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 446.75 m 285.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 446.75 m 336.5 432.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 446.75 m 336.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 446.75 m 379.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 446.75 m 422.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 446.75 m 465.5 432.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 446.75 m 465.5 446.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 446.75 m 465.5 432.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 432.75 m 336.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 432.75 m 465.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 432.75 m 465.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 404.75 m 183.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 418.75 m 336.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 404.75 m 336.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 418.75 m 465.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 418.75 m 465.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 390.75 m 183.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 404.75 m 234.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 390.75 m 234.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 404.75 m 285.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 390.75 m 285.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 404.75 m 336.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 404.75 m 336.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 390.75 m 336.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 404.75 m 379.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 390.75 m 379.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 404.75 m 422.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 390.75 m 422.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 404.75 m 465.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 404.75 m 465.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 390.75 m 465.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 404.75 m 465.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 404.75 m 502.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 390.75 m 502.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 404.75 m 539.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 390.75 m 539.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 404.75 m 576.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 390.75 m 576.5 390.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 376.75 m 183.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 390.75 m 234.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 390.75 m 285.5 390.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 376.75 m 285.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 390.75 m 336.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 390.75 m 336.5 390.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 376.75 m 336.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 390.75 m 379.5 390.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 376.75 m 379.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 390.75 m 422.5 390.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 376.75 m 422.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 390.75 m 465.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 390.75 m 465.5 390.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 376.75 m 465.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 390.75 m 465.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 390.75 m 502.5 390.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 376.75 m 502.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 390.75 m 539.5 390.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 376.75 m 539.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 390.75 m 576.5 390.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 376.75 m 576.5 376.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 376.75 m 234.5 376.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 376.75 m 285.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 376.75 m 336.5 362.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 376.75 m 336.5 376.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 376.75 m 379.5 376.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 376.75 m 422.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 376.75 m 465.5 362.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 376.75 m 465.5 376.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 362.75 m 336.5 346.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 362.75 m 465.5 346.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 346.75 m 336.5 323.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 346.75 m 465.5 323.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 323.75 m 183.5 323.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 309.75 m 183.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 323.75 m 234.5 323.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 323.75 m 285.5 323.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 309.75 m 285.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 323.75 m 336.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 323.75 m 336.5 323.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 309.75 m 336.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 323.75 m 465.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 309.75 m 234.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 309.75 m 285.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 309.75 m 336.5 295.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 309.75 m 336.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 309.75 m 465.5 295.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 281.75 m 183.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 295.75 m 336.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 295.75 m 465.5 281.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 267.75 m 183.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 281.75 m 234.5 281.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 267.75 m 234.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 281.75 m 285.5 281.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 267.75 m 285.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 281.75 m 336.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 281.75 m 336.5 281.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 267.75 m 336.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 281.75 m 465.5 267.75 l s 0 0 0 RG /GS0 gs 2.50 w 0 i [] 0 d 0 J 0 j 3 M 36.5 244.75 m 183.5 244.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 267.75 m 234.5 267.75 l s 0 0 0 RG /GS0 gs 2.50 w 0 i [] 0 d 0 J 0 j 3 M 183.5 244.75 m 234.5 244.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 267.75 m 285.5 267.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 244.75 m 285.5 244.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 267.75 m 336.5 244.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 267.75 m 336.5 267.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 244.75 m 336.5 244.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 267.75 m 465.5 244.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 244.75 m 285.5 244.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 244.75 m 336.5 221.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 244.75 m 336.5 244.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 244.75 m 465.5 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 221.75 m 336.5 207.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 221.75 m 465.5 207.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 193.75 m 183.5 193.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 207.75 m 336.5 193.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 207.75 m 465.5 193.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 193.75 m 502.5 193.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 193.75 m 539.5 193.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 193.75 m 576.5 193.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 179.75 m 183.5 179.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 193.75 m 234.5 193.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 179.75 m 234.5 179.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 193.75 m 285.5 193.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 179.75 m 285.5 179.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 193.75 m 336.5 179.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 193.75 m 336.5 193.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 179.75 m 336.5 179.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 193.75 m 379.5 193.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 179.75 m 379.5 179.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 193.75 m 422.5 193.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 179.75 m 422.5 179.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 193.75 m 465.5 179.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 193.75 m 465.5 193.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 179.75 m 465.5 179.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 193.75 m 502.5 193.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 179.75 m 502.5 179.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 193.75 m 539.5 193.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 179.75 m 539.5 179.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 193.75 m 576.5 193.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 179.75 m 576.5 179.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.70 721.20 Td (Average volume) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.45 721.20 Td (Interest expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.55 721.20 Td (% Average rate) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 707.00 Td (In millions of dollars, except rates) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.50 707.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.50 707.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.50 707.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.50 707.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.50 707.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.50 707.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.50 707.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.50 707.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.50 707.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 693.20 Td (Liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 693.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 693.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 693.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 693.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 693.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 693.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 679.20 Td (Deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 679.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 679.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 679.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 679.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 665.21 Td (In U.S. of) Tj ET Q q 0 0 0 rg BT 74.34 665.21 Td (fices) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 91.33 669.29 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 665.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.75 665.20 Td (273,122) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 665.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.75 665.21 Td (289,669) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 665.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 665.21 Td (262,544) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 665.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.75 665.20 Td (1,291) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 665.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.75 665.21 Td (1,432) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 665.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.75 665.21 Td (1,754) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.25 665.20 Td (0.47) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 665.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 665.21 Td (0.49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.50 665.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 665.21 Td (0.67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 665.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 651.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 651.21 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 132.82 655.29 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.75 651.20 Td (425,053) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.75 651.21 Td (465,144) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 651.21 Td (481,134) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.75 651.20 Td (3,761) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.75 651.21 Td (4,260) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.75 651.21 Td (4,482) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.25 651.20 Td (0.88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 651.21 Td (0.92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 651.21 Td (0.93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 637.21 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 637.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.75 637.20 Td (698,175) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 637.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.75 637.21 Td (754,813) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 637.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 637.21 Td (743,678) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 637.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.75 637.20 Td (5,052) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 637.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.75 637.21 Td (5,692) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 637.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.75 637.21 Td (6,236) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.25 637.20 Td (0.72) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 637.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 637.21 Td (0.75) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.50 637.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 637.21 Td (0.84) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 637.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 623.20 Td (Federal funds pur) Tj ET Q q 0 0 0 rg BT 108.35 623.20 Td (chased and ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 614.20 Td (securities loaned or) Tj ET Q q 0 0 0 rg BT 113.32 614.20 Td ( sold under) Tj ET Q q 0 0 0 rg BT 156.18 614.20 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 605.20 Td (agr) Tj ET Q q 0 0 0 rg BT 51.83 605.20 Td (eements to r) Tj ET Q q 0 0 0 rg BT 98.65 605.20 Td (epur) Tj ET Q q 0 0 0 rg BT 116.48 605.20 Td (chase) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 137.48 609.28 Td (\(7\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 591.21 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 591.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.75 591.20 Td (108,286) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 591.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.75 591.21 Td (102,246) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 591.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 591.21 Td (126,742) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 591.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 591.20 Td (721) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 591.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.50 591.21 Td (656) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 591.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 591.21 Td (677) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.25 591.20 Td (0.67) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 591.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 591.21 Td (0.64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.50 591.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 591.21 Td (0.53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 591.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 577.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 577.21 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 132.82 581.29 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.25 577.20 Td (66,200) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.25 577.21 Td (87,777) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 577.21 Td (102,623) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 577.20 Td (893) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.75 577.21 Td (1,239) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.75 577.21 Td (1,662) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.25 577.20 Td (1.35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 577.21 Td (1.41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 577.21 Td (1.62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 563.21 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 563.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.75 563.20 Td (174,486) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 563.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.75 563.21 Td (190,023) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 563.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 563.21 Td (229,365) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 563.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.75 563.20 Td (1,614) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 563.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.75 563.21 Td (1,895) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 563.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.75 563.21 Td (2,339) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.25 563.20 Td (0.93) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 563.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 563.21 Td (1.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.50 563.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 563.21 Td (1.02) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 563.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 549.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.33 549.20 Td (rading account liabilities) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 139.34 553.28 Td (\(8\)\(9\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 535.21 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 535.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.25 535.20 Td (25,837) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 535.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.25 535.21 Td (30,451) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 535.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 535.21 Td (24,834) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 535.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 535.20 Td (111) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 535.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 535.21 Td (75) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 535.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 535.21 Td (93) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.25 535.20 Td (0.43) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 535.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 535.21 Td (0.25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.50 535.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 535.21 Td (0.37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 535.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 521.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 521.21 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 132.82 525.29 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.25 521.20 Td (44,126) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.25 521.21 Td (45,205) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 521.21 Td (47,908) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 521.20 Td (105) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 521.21 Td (93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 521.21 Td (76) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.25 521.20 Td (0.24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 521.21 Td (0.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 521.21 Td (0.16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 507.21 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 507.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.25 507.20 Td (69,963) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 507.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.25 507.21 Td (75,656) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 507.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 507.21 Td (72,742) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 507.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 507.20 Td (216) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 507.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.50 507.21 Td (168) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 507.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 507.21 Td (169) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.25 507.20 Td (0.31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 507.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 507.21 Td (0.22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.50 507.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 507.21 Td (0.23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 507.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 493.20 Td (Short-term borr) Tj ET Q q 0 0 0 rg BT 101.56 493.20 Td (owings) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 128.07 497.28 Td (\(10\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 479.21 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 479.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.25 479.20 Td (66,086) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 479.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.25 479.21 Td (79,028) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 479.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 479.21 Td (77,439) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 479.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 479.20 Td (234) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 479.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.50 479.21 Td (161) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 479.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 479.21 Td (176) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.25 479.20 Td (0.35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 479.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 479.21 Td (0.20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.50 479.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 479.21 Td (0.23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 479.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 465.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 465.21 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 132.82 469.29 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.25 465.20 Td (50,043) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.25 465.21 Td (39,220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 465.21 Td (35,551) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 465.20 Td (288) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.50 465.21 Td (419) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 465.21 Td (421) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.25 465.20 Td (0.58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 465.21 Td (1.07) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 465.21 Td (1.18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 451.21 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 451.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.75 451.20 Td (116,129) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 451.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.75 451.21 Td (118,248) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 451.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 451.21 Td (112,990) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 451.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 451.20 Td (522) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 451.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.50 451.21 Td (580) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 451.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 451.21 Td (597) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.25 451.20 Td (0.45) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 451.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 451.21 Td (0.49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.50 451.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 451.21 Td (0.53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 451.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 437.20 Td (Long-term debt) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 99.74 441.28 Td (\(1) Tj ET Q BT /F2 5.85 Tf ET q 0 0 0 rg BT 104.29 441.28 Td (1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 423.21 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 423.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.75 423.20 Td (182,371) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 423.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.75 423.21 Td (194,295) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 423.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 423.21 Td (194,140) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 423.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.75 423.20 Td (4,309) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 423.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.75 423.21 Td (5,093) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 423.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.75 423.21 Td (6,602) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.25 423.20 Td (2.36) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 423.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 423.21 Td (2.62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.50 423.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 423.21 Td (3.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 423.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 409.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 409.21 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 132.82 413.29 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.75 409.20 Td (7,643) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.75 409.21 Td (7,761) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 409.21 Td (10,194) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 409.20 Td (208) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.50 409.21 Td (262) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 409.21 Td (234) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.25 409.20 Td (2.72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 409.21 Td (3.38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 409.21 Td (2.30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 395.21 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 395.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.75 395.20 Td (190,014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 395.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.75 395.21 Td (202,056) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 395.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 395.21 Td (204,334) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 395.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.75 395.20 Td (4,517) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 395.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.75 395.21 Td (5,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 395.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.75 395.21 Td (6,836) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.25 395.20 Td (2.38) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 395.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 395.21 Td (2.65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.50 395.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 395.21 Td (3.35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 395.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 381.20 Td (Total interest-bearing liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 381.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.00 381.20 Td (1,248,767) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 381.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.00 381.21 Td (1,340,796) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 381.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.00 381.21 Td (1,363,109) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 381.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.25 381.20 Td (11,921) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 381.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.25 381.21 Td (13,690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 381.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.25 381.21 Td (16,177) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.25 381.20 Td (0.95) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 381.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 381.21 Td (1.02) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.50 381.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 381.21 Td (1.19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 381.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 367.21 Td (Demand deposits in U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 367.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.25 367.20 Td (26,124) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 367.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.25 367.21 Td (26,216) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 367.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 367.21 Td (21,948) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 351.21 Td (Other non-interest-bearing liabilities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 170.46 355.29 Td (\(8\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.75 351.20 Td (329,756) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.75 351.21 Td (317,351) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 351.21 Td (299,052) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 337.21 Td (Total liabilities from discontinued) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 328.21 Td (operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.00 328.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 328.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 328.21 Td (362) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 314.20 Td (Total liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 314.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.00 314.20 Td (1,604,647) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 314.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.00 314.21 Td (1,684,363) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 314.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.00 314.21 Td (1,684,471) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 300.20 Td (Citigr) Tj ET Q q 0 0 0 rg BT 61.83 300.20 Td (oup stockholders) Tj ET Q q 0 0 0 rg BT 129.42 300.20 Td ( equity) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 155.67 304.28 Td (\(12\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 300.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.75 300.20 Td (217,875) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 300.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.75 300.21 Td (210,863) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 300.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 300.21 Td (196,884) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 286.21 Td (Noncontrolling interest) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.75 286.20 Td (1,315) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.75 286.21 Td (1,689) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 286.21 Td (1,941) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 272.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 272.20 Td (otal equity) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 84.93 276.28 Td (\(12\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 272.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.75 272.20 Td (219,190) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 272.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.75 272.21 Td (212,552) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 272.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 272.21 Td (198,825) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 258.20 Td (Total liabilities and stockholders) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 249.20 Td (equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 249.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.00 249.20 Td (1,823,837) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 249.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.00 249.21 Td (1,896,915) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 249.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.00 249.21 Td (1,883,296) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 236.15 Td (Net inter) Tj ET Q q 0 0 0 rg BT 73.07 236.15 Td (est r) Tj ET Q q 0 0 0 rg BT 89.65 236.15 Td (evenue as a per) Tj ET Q q 0 0 0 rg BT 148.23 236.15 Td (centage ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 225.80 Td (of average inter) Tj ET Q q 0 0 0 rg BT 99.31 225.80 Td (est-earning assets) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 166.55 229.88 Td (\(13\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 212.21 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 212.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.75 212.20 Td (923,334) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 212.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.75 212.21 Td (953,394) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 212.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 212.21 Td (926,291) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 212.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.25 212.20 Td (28,495) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 212.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.25 212.21 Td (27,497) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 212.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.25 212.21 Td (25,591) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.25 212.20 Td (3.09) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 212.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 212.21 Td (2.88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.50 212.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 212.21 Td (2.76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 212.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 198.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 198.21 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 132.82 202.29 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.75 198.20 Td (682,503) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.75 198.21 Td (718,800) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 198.21 Td (731,570) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.25 198.20 Td (18,624) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.25 198.21 Td (20,993) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.25 198.21 Td (21,723) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.25 198.20 Td (2.73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 198.21 Td (2.92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 198.21 Td (2.97) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 184.20 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 184.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.00 184.20 Td (1,605,837) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 184.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.00 184.21 Td (1,672,194) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 184.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.00 184.21 Td (1,657,861) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 184.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.25 184.20 Td (47,119) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 184.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.25 184.21 Td (48,490) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 184.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.25 184.21 Td (47,314) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.25 184.20 Td (2.93) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 184.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.75 184.21 Td (2.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.50 184.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 184.21 Td (2.85) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 184.21 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 162.65 Td (\(1\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 162.65 Td (Net inter) Tj ET Q q 0 0 0 rg BT 81.92 162.65 Td (est r) Tj ET Q q 0 0 0 rg BT 95.63 162.65 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 117.83 162.65 Td ( includes the taxable equivalent adjustments related to the tax-exempt bond portfolio \(based on the U.S. federal statutory tax rate of 35%\) of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 153.05 Td ($487 million, $498 million and $521 million for 2015, 2014 and 2013, respectively) Tj ET Q q 0 0 0 rg BT 319.90 153.05 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 143.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 143.45 Td (Interest rates and amounts include the ef) Tj ET Q q 0 0 0 rg BT 183.14 143.45 Td (fects of risk management activities associated with the respective liability categories.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 133.85 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 133.85 Td (Monthly or quarterly averages have been used by certain subsidiaries where daily averages are unavailable.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 124.25 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 124.25 Td (Detailed average volume,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 135.96 124.25 Td ( Inter) Tj ET Q q 0 0 0 rg BT 153.21 124.25 Td (est r) Tj ET Q q 0 0 0 rg BT 166.92 124.25 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 189.12 124.25 Td ( and) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 202.67 124.25 Td ( Inter) Tj ET Q q 0 0 0 rg BT 219.93 124.25 Td (est expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 256.13 124.25 Td ( exclude ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 285.00 124.25 Td (Discontinued operations) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.89 124.25 Td (. See Note) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 398.99 124.25 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 402.99 124.25 Td ( to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 114.65 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 114.65 Td (Consists of other time deposits and savings deposits. Savings deposits are made up of insured money market accounts, NOW) Tj ET Q q 0 0 0 rg BT 454.23 114.65 Td ( accounts, and other savings deposits. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 105.05 Td (The interest expense on savings deposits includes FDIC deposit insurance assessments.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 95.45 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 95.45 Td (A) Tj ET Q q 0 0 0 rg BT 59.18 95.45 Td (verage rates reflect prevailing local interest rates, including inflationary ef) Tj ET Q q 0 0 0 rg BT 296.27 95.45 Td (fects and monetary corrections in certain countries.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 85.85 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 85.85 Td (A) Tj ET Q q 0 0 0 rg BT 59.18 85.85 Td (verage volumes of securities sold under agreements to repurchase are reported net pursuant to ) Tj ET Q q 0 0 0 rg BT 360.85 85.85 Td (ASC 210-20-45. However) Tj ET Q q 0 0 0 rg BT 444.74 85.85 Td (, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 448.74 85.85 Td (Inter) Tj ET Q q 0 0 0 rg BT 464.00 85.85 Td (est expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.20 85.85 Td ( excludes the impact of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 76.25 Td (ASC 210-20-45.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 66.65 Td (\(8\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 66.65 Td (The fair value carrying amounts of derivative contracts are reported net, pursuant to ) Tj ET Q q 0 0 0 rg BT 323.67 66.65 Td (ASC 815-10-45, in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 386.79 66.65 Td (Non-inter) Tj ET Q q 0 0 0 rg BT 417.60 66.65 Td (est-earning assets ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.15 66.65 Td (and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 490.70 66.65 Td (Other non-inter) Tj ET Q q 0 0 0 rg BT 540.84 66.65 Td (est-) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 57.05 Td (bearing liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 111.11 57.05 Td (.) Tj ET Q endstream endobj 211 0 obj <> endobj 212 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (103) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 750.50 Td (\(9\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 750.50 Td (Inter) Tj ET Q q 0 0 0 rg BT 69.25 750.50 Td (est expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 105.46 750.50 Td ( on ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 117.46 750.50 Td (T) Tj ET Q q 0 0 0 rg BT 121.46 750.50 Td (rading account liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 202.35 750.50 Td ( of) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 211.01 750.50 Td ( ICG) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.79 750.50 Td ( is reported as a reduction of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 319.87 750.50 Td (Inter) Tj ET Q q 0 0 0 rg BT 335.12 750.50 Td (est r) Tj ET Q q 0 0 0 rg BT 348.82 750.50 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.03 750.50 Td (. ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 375.03 750.50 Td (Inter) Tj ET Q q 0 0 0 rg BT 390.28 750.50 Td (est r) Tj ET Q q 0 0 0 rg BT 403.98 750.50 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.19 750.50 Td ( and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 441.74 750.50 Td (Inter) Tj ET Q q 0 0 0 rg BT 456.99 750.50 Td (est expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.20 750.50 Td ( on cash collateral ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 740.90 Td (positions are reported in interest on ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 169.08 740.90 Td (T) Tj ET Q q 0 0 0 rg BT 173.09 740.90 Td (rading account assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.86 740.90 Td ( and) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 256.41 740.90 Td ( T) Tj ET Q q 0 0 0 rg BT 262.42 740.90 Td (rading account liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.30 740.90 Td (, respectively) Tj ET Q q 0 0 0 rg BT 385.43 740.90 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 731.30 Td (\(10\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 731.30 Td (Includes brokerage payables.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 721.70 Td (\(1) Tj ET Q q 0 0 0 rg BT 42.37 721.70 Td (1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 721.70 Td (Excludes hybrid financial instruments and beneficial interests in consolidated ) Tj ET Q q 0 0 0 rg BT 303.79 721.70 Td (VIEs that are classified as ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 388.86 721.70 Td (Long-term debt) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 438.41 721.70 Td (, as these obligations are accounted for in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 712.10 Td (changes in fair value recorded in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 160.62 712.10 Td (Principal transactions) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 232.39 712.10 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 702.50 Td (\(12\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 702.50 Td (Includes stockholders) Tj ET Q q 0 0 0 rg BT 125.61 702.50 Td ( equity from discontinued operations.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 692.90 Td (\(13\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 692.90 Td (Includes allocations for capital and funding costs based on the location of the asset.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 663.30 Td (Analysis of Changes in Interest Revenue) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 203.52 667.83 Td (\(1\)\(2\)\(3\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 591.80 282.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.50 591.80 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.50 591.80 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 591.80 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 591.80 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 591.80 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 591.80 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 554.80 282.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.50 554.80 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.50 554.80 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 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498.80 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 498.80 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 498.80 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 498.80 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 498.80 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 470.80 282.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.50 470.80 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.50 470.80 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 470.80 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 470.80 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 470.80 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 470.80 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 442.80 282.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.50 442.80 45.00 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/GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.50 386.80 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.50 386.80 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 386.80 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 386.80 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 386.80 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 386.80 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 358.80 282.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.50 358.80 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.50 358.80 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 358.80 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 358.80 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 358.80 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 358.80 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 330.80 282.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.50 330.80 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.50 330.80 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 330.80 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 330.80 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 330.80 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 330.80 42.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 637.8 m 363.5 637.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 637.8 m 407.5 637.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 637.8 m 451.5 637.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 637.8 m 493.5 637.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 637.8 m 534.5 637.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 637.8 m 576.5 637.8 l s 0 0 0 RG 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/GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 614.8 m 451.5 591.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 591.8 m 451.5 591.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 591.8 m 493.5 591.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 591.8 m 534.5 591.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 591.8 m 576.5 591.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 577.8 m 318.5 577.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 591.8 m 451.5 577.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 591.8 m 451.5 591.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 591.8 m 576.5 591.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 577.8 m 576.5 577.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 577.8 m 363.5 577.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 577.8 m 407.5 577.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 577.8 m 451.5 554.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 577.8 m 451.5 577.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 577.8 m 493.5 577.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 577.8 m 534.5 577.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 577.8 m 576.5 577.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 554.8 m 451.5 540.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 554.8 m 451.5 540.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 526.8 m 318.5 526.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 540.8 m 451.5 526.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 540.8 m 451.5 526.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 512.8 m 318.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 526.8 m 363.5 526.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 512.8 m 363.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 526.8 m 407.5 526.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 512.8 m 407.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 526.8 m 451.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 526.8 m 451.5 526.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 512.8 m 451.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 526.8 m 451.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 526.8 m 493.5 526.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 512.8 m 493.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 526.8 m 534.5 526.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 512.8 m 534.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 526.8 m 576.5 526.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 512.8 m 576.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 512.8 m 363.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 512.8 m 407.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 512.8 m 451.5 498.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 512.8 m 451.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 512.8 m 493.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 512.8 m 534.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 512.8 m 576.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 498.8 m 451.5 484.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 470.8 m 318.5 470.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 484.8 m 451.5 470.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 456.8 m 318.5 456.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 470.8 m 363.5 470.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 456.8 m 363.5 456.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 470.8 m 407.5 470.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 456.8 m 407.5 456.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 470.8 m 451.5 456.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 470.8 m 451.5 470.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 456.8 m 451.5 456.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 470.8 m 451.5 456.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 470.8 m 493.5 470.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 456.8 m 493.5 456.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 470.8 m 534.5 470.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 456.8 m 534.5 456.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 470.8 m 576.5 470.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 456.8 m 576.5 456.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 456.8 m 363.5 456.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 456.8 m 407.5 456.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 456.8 m 451.5 442.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 456.8 m 451.5 456.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 456.8 m 493.5 456.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 456.8 m 534.5 456.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 456.8 m 576.5 456.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 442.8 m 451.5 428.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 414.8 m 318.5 414.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 428.8 m 451.5 414.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 400.8 m 318.5 400.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 414.8 m 363.5 414.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 400.8 m 363.5 400.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 414.8 m 407.5 414.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 400.8 m 407.5 400.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 414.8 m 451.5 400.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 414.8 m 451.5 414.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 400.8 m 451.5 400.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 414.8 m 451.5 400.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 414.8 m 493.5 414.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 400.8 m 493.5 400.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 414.8 m 534.5 414.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 400.8 m 534.5 400.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 414.8 m 576.5 414.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 400.8 m 576.5 400.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 400.8 m 363.5 400.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 400.8 m 407.5 400.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 400.8 m 451.5 386.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 400.8 m 451.5 400.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 400.8 m 493.5 400.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 400.8 m 534.5 400.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 400.8 m 576.5 400.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 386.8 m 451.5 372.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 358.8 m 318.5 358.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 372.8 m 451.5 358.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 344.8 m 318.5 344.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 358.8 m 363.5 358.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 344.8 m 363.5 344.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 358.8 m 407.5 358.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 344.8 m 407.5 344.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 358.8 m 451.5 344.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 358.8 m 451.5 358.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 344.8 m 451.5 344.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 358.8 m 451.5 344.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 358.8 m 493.5 358.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 344.8 m 493.5 344.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 358.8 m 534.5 358.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 344.8 m 534.5 344.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 358.8 m 576.5 358.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 344.8 m 576.5 344.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 330.8 m 318.5 330.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 344.8 m 363.5 344.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 330.8 m 363.5 330.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 344.8 m 407.5 344.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 330.8 m 407.5 330.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 344.8 m 451.5 330.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 344.8 m 451.5 344.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 344.8 m 493.5 344.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 344.8 m 534.5 344.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 344.8 m 576.5 344.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 330.8 m 576.5 330.8 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 316.8 m 318.5 316.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 330.8 m 363.5 330.8 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 316.8 m 363.5 316.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 330.8 m 407.5 330.8 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 316.8 m 407.5 316.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 330.8 m 451.5 316.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 330.8 m 451.5 330.8 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 316.8 m 451.5 316.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 330.8 m 451.5 316.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 330.8 m 493.5 330.8 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 316.8 m 493.5 316.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 330.8 m 534.5 330.8 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 316.8 m 534.5 316.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 330.8 m 576.5 330.8 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 316.8 m 576.5 316.8 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 642.25 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.10 642.25 Td (2015 vs. 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.10 642.26 Td (2014 vs. 2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 619.25 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.80 628.25 Td (Incr) Tj ET Q q 0 0 0 rg BT 364.13 628.25 Td (ease \(decr) Tj ET Q q 0 0 0 rg BT 402.20 628.25 Td (ease\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.60 619.25 Td (due to change in:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.90 628.26 Td (Increase \(decrease\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.60 619.26 Td (due to change in:) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 596.05 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.80 605.25 Td (A) Tj ET Q q 0 0 0 rg BT 330.63 605.25 Td (verage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.50 596.25 Td (volume) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.30 605.25 Td (A) Tj ET Q q 0 0 0 rg BT 375.13 605.25 Td (verage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.25 596.25 Td (rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.25 605.25 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.50 596.25 Td (change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.05 605.26 Td (A) Tj ET Q q 0 0 0 rg BT 462.88 605.26 Td (verage) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.50 596.26 Td (volume) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.55 605.26 Td (A) Tj ET Q q 0 0 0 rg BT 504.38 605.26 Td (verage) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.75 596.26 Td (rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.50 605.26 Td (Net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.25 596.26 Td (change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 582.25 Td (Deposits with banks) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 116.02 586.33 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.00 582.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 582.25 Td (\(154) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.00 582.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 582.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 582.25 Td (\(78) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 582.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 582.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 582.25 Td (\(232) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 582.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 582.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 582.26 Td (109) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 582.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 582.26 Td (\(176) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 582.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 582.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 582.26 Td (\(67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 582.26 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 568.25 Td (Federal funds sold and securities borr) Tj ET Q q 0 0 0 rg BT 184.59 568.25 Td (owed or) Tj ET Q q 0 0 0 rg BT 215.17 568.25 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 559.25 Td ( pur) Tj ET Q q 0 0 0 rg BT 57.34 559.25 Td (chased under) Tj ET Q q 0 0 0 rg BT 108.44 559.25 Td ( agr) Tj ET Q q 0 0 0 rg BT 123.52 559.25 Td (eements to r) Tj ET Q q 0 0 0 rg BT 170.33 559.25 Td (esell) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 545.26 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.00 545.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.00 545.25 Td (\(23) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.00 545.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 545.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.50 545.25 Td (200) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 545.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.50 545.25 Td (177) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 545.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 545.26 Td (\(32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 545.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 545.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 545.26 Td (\(67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 545.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 545.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 545.26 Td (\(99) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 545.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 531.26 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 531.26 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 132.82 535.34 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 531.25 Td (\(246) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.00 531.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.50 531.25 Td (219) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 531.25 Td (\(27) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 531.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.50 531.26 Td (\(106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 531.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 531.26 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 531.26 Td (\(101) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 531.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 517.26 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.00 517.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 517.25 Td (\(269) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.00 517.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 517.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.50 517.25 Td (419) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 517.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.50 517.25 Td (150) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 517.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.50 517.26 Td (\(138) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 517.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 517.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 517.26 Td (\(62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 517.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 517.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 517.26 Td (\(200) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 517.26 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 503.25 Td (T) Tj ET Q q 0 0 0 rg BT 44.33 503.25 Td (rading account assets) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 126.34 507.33 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 489.26 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.00 489.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.50 489.25 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.00 489.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 489.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.50 489.25 Td (481) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 489.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.50 489.25 Td (473) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 489.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.50 489.26 Td (\(337) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 489.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 489.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 489.26 Td (81) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 489.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 489.26 Td (\(256) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 489.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 475.26 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 475.26 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 132.82 479.34 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 475.25 Td (\(342) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.00 475.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 475.25 Td (\(55) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 475.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 475.25 Td (\(397) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 475.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.50 475.26 Td (\(159) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 475.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 475.26 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 475.26 Td (\(145) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 475.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 461.26 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.00 461.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 461.25 Td (\(350) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.00 461.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 461.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.50 461.25 Td (426) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 461.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 461.25 Td (76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 461.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.50 461.26 Td (\(496) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 461.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 461.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 461.26 Td (95) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 461.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 461.26 Td (\(401) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 461.26 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 447.25 Td (Investments) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 85.50 451.33 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 433.26 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.00 433.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.50 433.25 Td (464) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 433.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.50 433.25 Td (\(121) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 433.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 433.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.50 433.25 Td (343) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 433.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 433.26 Td (319) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 433.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 433.26 Td (69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 433.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 433.26 Td (388) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 419.26 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 419.26 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 132.82 423.34 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 419.25 Td (\(332) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.00 419.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.50 419.25 Td (\(224) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 419.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 419.25 Td (\(556) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 419.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 419.26 Td (\(31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 419.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 419.26 Td (\(103) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 419.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 419.26 Td (\(134) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 419.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 405.26 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.00 405.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.50 405.25 Td (132) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 405.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.50 405.25 Td (\(345) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 405.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 405.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 405.25 Td (\(213) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 405.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 405.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 405.26 Td (288) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 405.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 405.26 Td (\(34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 405.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 405.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 405.26 Td (254) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 391.25 Td (Loans \(net of unearned income\)) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 161.00 395.33 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 377.26 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.00 377.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 377.25 Td (\(521) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.00 377.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 377.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.50 377.25 Td (\(997) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 377.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 377.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 377.25 Td (\(1,518) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 377.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 377.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 377.26 Td (512) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 377.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 377.26 Td (\(377) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 377.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 377.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 377.26 Td (135) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 363.26 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 363.26 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 132.82 367.34 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.75 363.25 Td (\(1,432) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.00 363.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.75 363.25 Td (\(1,303) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 363.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 363.25 Td (\(2,735) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 363.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 363.26 Td (253) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.75 363.26 Td (\(1,190) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 363.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 363.26 Td (\(937) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 363.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 349.26 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.00 349.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.75 349.25 Td (\(1,953) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.00 349.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 349.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.75 349.25 Td (\(2,300) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 349.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 349.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 349.25 Td (\(4,253) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 349.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 349.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 349.26 Td (765) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 349.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.75 349.26 Td (\(1,567) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 349.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 349.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 349.26 Td (\(802) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 349.26 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 335.25 Td (Other) Tj ET Q q 0 0 0 rg BT 61.83 335.25 Td ( inter) Tj ET Q q 0 0 0 rg BT 82.41 335.25 Td (est-earning assets) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 149.65 339.33 Td (\(7\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.00 335.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.50 335.25 Td (239) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 335.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.75 335.25 Td (1,093) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 335.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.75 335.25 Td (1,332) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 335.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 335.26 Td (32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 335.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 335.26 Td (\(127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 335.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 335.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 335.26 Td (\(95) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 335.26 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 321.25 Td (Total interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.00 321.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.75 321.25 Td (\(2,355) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.00 321.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 321.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.50 321.25 Td (\(785) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 321.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 321.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 321.25 Td (\(3,140) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 321.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 321.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 321.26 Td (560) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 321.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.75 321.26 Td (\(1,871) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 321.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 321.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 321.26 Td (\(1,311) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 321.26 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 299.70 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 299.70 Td (The taxable equivalent adjustment is related to the tax-exempt bond portfolio based on the U.S. federal statutory tax rate of 35% and is included in this ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 290.10 Td (presentation.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 280.50 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 280.50 Td (Rate/volume variance is allocated based on the percentage relationship of changes in volume and changes in rate to the total net change.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 270.90 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 270.90 Td (Detailed average volume, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 137.96 270.90 Td (Inter) Tj ET Q q 0 0 0 rg BT 153.21 270.90 Td (est r) Tj ET Q q 0 0 0 rg BT 166.92 270.90 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 189.12 270.90 Td ( and) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 202.67 270.90 Td ( Inter) Tj ET Q q 0 0 0 rg BT 219.93 270.90 Td (est expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 256.13 270.90 Td ( exclude) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 283.00 270.90 Td ( Discontinued operations) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.89 270.90 Td (. See Note) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 398.99 270.90 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 402.99 270.90 Td ( to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 261.30 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 261.30 Td (Changes in average rates reflect changes in prevailing local interest rates, including inflationary ef) Tj ET Q q 0 0 0 rg BT 368.39 261.30 Td (fects and monetary corrections in certain countries.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 251.70 Td (\(5\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 251.70 Td (Inter) Tj ET Q q 0 0 0 rg BT 69.25 251.70 Td (est expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 105.46 251.70 Td ( on ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 117.46 251.70 Td (T) Tj ET Q q 0 0 0 rg BT 121.46 251.70 Td (rading account liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 202.35 251.70 Td ( of) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 211.01 251.70 Td ( ICG ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 228.79 251.70 Td (is reported as a reduction of) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 317.87 251.70 Td ( Inter) Tj ET Q q 0 0 0 rg BT 335.12 251.70 Td (est r) Tj ET Q q 0 0 0 rg BT 348.82 251.70 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.03 251.70 Td (. ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 375.03 251.70 Td (Inter) Tj ET Q q 0 0 0 rg BT 390.28 251.70 Td (est r) Tj ET Q q 0 0 0 rg BT 403.98 251.70 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.19 251.70 Td ( and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 441.74 251.70 Td (Inter) Tj ET Q q 0 0 0 rg BT 456.99 251.70 Td (est expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.20 251.70 Td ( on cash collateral ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 242.10 Td (positions are reported in interest on ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 169.08 242.10 Td (T) Tj ET Q q 0 0 0 rg BT 173.09 242.10 Td (rading account assets ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 244.86 242.10 Td (and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 258.41 242.10 Td (T) Tj ET Q q 0 0 0 rg BT 262.42 242.10 Td (rading account liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.30 242.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 385.43 242.10 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 232.50 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 232.50 Td (Includes cash-basis loans.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 222.90 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 222.90 Td (Includes brokerage receivables.) Tj ET Q endstream endobj 213 0 obj <> endobj 214 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (104) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Analysis of Changes in Interest Expense and Net Interest Revenue) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 310.19 753.78 Td (\(1\)\(2\)\(3\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 678.75 285.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 678.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 678.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 678.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 678.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 678.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 678.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 650.75 285.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 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451.5 445.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 445.75 m 493.5 445.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 445.75 m 534.5 445.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 445.75 m 576.5 445.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 431.75 m 451.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 431.75 m 451.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 403.75 m 321.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 417.75 m 451.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 417.75 m 451.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 389.75 m 321.5 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 403.75 m 369.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 389.75 m 369.5 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 403.75 m 410.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 389.75 m 410.5 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 403.75 m 451.5 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 403.75 m 451.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 389.75 m 451.5 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 403.75 m 451.5 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 403.75 m 493.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 389.75 m 493.5 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 403.75 m 534.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 389.75 m 534.5 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 403.75 m 576.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 389.75 m 576.5 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 375.75 m 321.5 375.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 389.75 m 369.5 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 375.75 m 369.5 375.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 389.75 m 410.5 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 375.75 m 410.5 375.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 389.75 m 451.5 375.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 389.75 m 451.5 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 375.75 m 451.5 375.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 389.75 m 451.5 375.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 389.75 m 493.5 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 375.75 m 493.5 375.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 389.75 m 534.5 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 375.75 m 534.5 375.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 389.75 m 576.5 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 375.75 m 576.5 375.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 361.75 m 321.5 361.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 375.75 m 369.5 375.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 361.75 m 369.5 361.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 375.75 m 410.5 375.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 361.75 m 410.5 361.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 375.75 m 451.5 361.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 375.75 m 451.5 375.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 361.75 m 451.5 361.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 375.75 m 493.5 375.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 361.75 m 493.5 361.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 375.75 m 534.5 375.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 361.75 m 534.5 361.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 375.75 m 576.5 375.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 361.75 m 576.5 361.75 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 729.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.60 729.20 Td (2015 vs. 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.10 729.21 Td (2014 vs. 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 706.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.30 715.20 Td (Incr) Tj ET Q q 0 0 0 rg BT 365.63 715.20 Td (ease \(decr) Tj ET Q q 0 0 0 rg BT 403.70 715.20 Td (ease\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.10 706.20 Td (due to change in:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.90 715.21 Td (Increase \(decrease\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.60 706.21 Td (due to change in:) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 683.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.30 692.20 Td (A) Tj ET Q q 0 0 0 rg BT 335.13 692.20 Td (verage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 683.20 Td (volume) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.80 692.20 Td (A) Tj ET Q q 0 0 0 rg BT 379.63 692.20 Td (verage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.75 683.20 Td (rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.75 692.20 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.00 683.20 Td (change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.05 692.21 Td (A) Tj ET Q q 0 0 0 rg BT 462.88 692.21 Td (verage) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.50 683.21 Td (volume) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.55 692.21 Td (A) Tj ET Q q 0 0 0 rg BT 504.38 692.21 Td (verage) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.75 683.21 Td (rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.50 692.21 Td (Net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.25 683.21 Td (change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 669.20 Td (Deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 655.21 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 655.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 655.20 Td (\(80) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 655.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.00 655.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 655.20 Td (\(61) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 655.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 655.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 655.20 Td (\(141) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 655.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 655.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 655.21 Td (168) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 655.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 655.21 Td (\(490) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 655.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 655.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 655.21 Td (\(322) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 655.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 641.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 641.21 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 132.82 645.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 641.20 Td (\(358) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 641.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.50 641.20 Td (\(141) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 641.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 641.20 Td (\(499) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 641.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.50 641.21 Td (\(147) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 641.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 641.21 Td (\(75) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 641.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 641.21 Td (\(222) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 641.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 627.21 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 627.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 627.20 Td (\(438) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 627.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.00 627.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.50 627.20 Td (\(202) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 627.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 627.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 627.20 Td (\(640) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 627.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 627.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 627.21 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 627.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 627.21 Td (\(565) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 627.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 627.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 627.21 Td (\(544) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 627.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 613.20 Td (Federal funds purchased and securities loaned or sold under agreements) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 604.20 Td (to repurchase) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 590.21 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 590.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.00 590.20 Td (40) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.00 590.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.00 590.20 Td (25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 590.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 590.20 Td (65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 590.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.50 590.21 Td (\(144) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 590.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 590.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 590.21 Td (123) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 590.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 590.21 Td (\(21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 590.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 576.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 576.21 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 132.82 580.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 576.20 Td (\(293) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 576.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 576.20 Td (\(53) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 576.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 576.20 Td (\(346) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 576.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.50 576.21 Td (\(224) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 576.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 576.21 Td (\(199) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 576.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 576.21 Td (\(423) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 576.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 562.21 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 562.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 562.20 Td (\(253) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 562.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.00 562.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 562.20 Td (\(28) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 562.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 562.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 562.20 Td (\(281) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 562.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 562.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.50 562.21 Td (\(368) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 562.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 562.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 562.21 Td (\(76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 562.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 562.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 562.21 Td (\(444) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 562.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 548.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.33 548.20 Td (rading account liabilities) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 139.34 552.28 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 534.21 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 534.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 534.20 Td (\(13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 534.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.00 534.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.00 534.20 Td (49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 534.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 534.20 Td (36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 534.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 534.21 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 534.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 534.21 Td (\(36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 534.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 534.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 534.21 Td (\(18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 534.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 520.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 520.21 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 132.82 524.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 520.20 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 520.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.00 520.20 Td (14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 520.20 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.50 520.21 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 520.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 520.21 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 520.21 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 506.21 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 506.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 506.20 Td (\(15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 506.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.00 506.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.00 506.20 Td (63) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 506.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 506.20 Td (48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 506.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 506.21 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 506.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 506.21 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 506.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 506.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 506.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 506.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 492.20 Td (Short-term borr) Tj ET Q q 0 0 0 rg BT 101.56 492.20 Td (owings) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 128.07 496.28 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 478.21 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 478.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 478.20 Td (\(30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 478.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.00 478.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.50 478.20 Td (103) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 478.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 478.20 Td (73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 478.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 478.21 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 478.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 478.21 Td (\(19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 478.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 478.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 478.21 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 478.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 464.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 464.21 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 132.82 468.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.00 464.20 Td (96) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.50 464.20 Td (\(227) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 464.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 464.20 Td (\(131) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 464.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 464.21 Td (41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 464.21 Td (\(43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 464.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 464.21 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 464.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 450.21 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 450.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.00 450.20 Td (66) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.00 450.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.50 450.20 Td (\(124) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 450.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 450.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 450.20 Td (\(58) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 450.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 450.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 450.21 Td (45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 450.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 450.21 Td (\(62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 450.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 450.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 450.21 Td (\(17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 450.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 436.20 Td (Long-term debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 422.21 Td (In U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 422.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 422.20 Td (\(301) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 422.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.00 422.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.50 422.20 Td (\(483) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 422.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 422.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 422.20 Td (\(784) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 422.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 422.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 422.21 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 422.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.75 422.21 Td (\(1,514) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 422.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 422.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 422.21 Td (\(1,509) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 422.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 408.21 Td (In of) Tj ET Q q 0 0 0 rg BT 56.08 408.21 Td (fices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 132.82 412.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 408.20 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 408.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 408.20 Td (\(50) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 408.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 408.20 Td (\(54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 408.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 408.21 Td (\(65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 408.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 408.21 Td (93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 408.21 Td (28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 394.21 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 394.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 394.20 Td (\(305) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 394.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.00 394.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.50 394.20 Td (\(533) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 394.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 394.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 394.20 Td (\(838) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 394.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 394.21 Td (\(60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 394.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.75 394.21 Td (\(1,421) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 394.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 394.21 Td (\(1,481) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 394.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 380.20 Td (Total interest expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 380.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 380.20 Td (\(945) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 380.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.00 380.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.50 380.20 Td (\(824) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 380.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 380.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 380.20 Td (\(1,769) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 380.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 380.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.50 380.21 Td (\(348) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 380.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 380.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.75 380.21 Td (\(2,139) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 380.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 380.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 380.21 Td (\(2,487) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 380.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 366.20 Td (Net interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 366.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.75 366.20 Td (\(1,410) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 366.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.00 366.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.00 366.20 Td (39) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 366.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 366.20 Td (\(1,371) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 366.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 366.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 366.21 Td (908) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 366.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 366.21 Td (268) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 366.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 366.21 Td (1,176) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 344.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 344.65 Td (The taxable equivalent adjustment is related to the tax-exempt bond portfolio based on the U.S. federal statutory tax rate of 35% and is included in this ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 335.05 Td (presentation.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 325.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 325.45 Td (Rate/volume variance is allocated based on the percentage relationship of changes in volume and changes in rate to the total net change.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 315.85 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 315.85 Td (Detailed average volume, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 137.96 315.85 Td (Inter) Tj ET Q q 0 0 0 rg BT 153.21 315.85 Td (est r) Tj ET Q q 0 0 0 rg BT 166.92 315.85 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 189.12 315.85 Td ( and) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 202.67 315.85 Td ( Inter) Tj ET Q q 0 0 0 rg BT 219.93 315.85 Td (est expense ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 258.13 315.85 Td (exclude ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 285.00 315.85 Td (Discontinued operations) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.89 315.85 Td (. See Note) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 398.99 315.85 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 402.99 315.85 Td ( to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 306.25 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 306.25 Td (Changes in average rates reflect changes in prevailing local interest rates, including inflationary ef) Tj ET Q q 0 0 0 rg BT 368.39 306.25 Td (fects and monetary corrections in certain countries.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 296.65 Td (\(5\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 296.65 Td (Inter) Tj ET Q q 0 0 0 rg BT 69.25 296.65 Td (est expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 105.46 296.65 Td ( on ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 117.46 296.65 Td (T) Tj ET Q q 0 0 0 rg BT 121.46 296.65 Td (rading account liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 202.35 296.65 Td ( of) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 211.01 296.65 Td ( ICG) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.79 296.65 Td ( is reported as a reduction of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 319.87 296.65 Td (Inter) Tj ET Q q 0 0 0 rg BT 335.12 296.65 Td (est r) Tj ET Q q 0 0 0 rg BT 348.82 296.65 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.03 296.65 Td (. ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 375.03 296.65 Td (Inter) Tj ET Q q 0 0 0 rg BT 390.28 296.65 Td (est r) Tj ET Q q 0 0 0 rg BT 403.98 296.65 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.19 296.65 Td ( and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 441.74 296.65 Td (Inter) Tj ET Q q 0 0 0 rg BT 456.99 296.65 Td (est expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.20 296.65 Td ( on cash collateral ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 287.05 Td (positions are reported in interest on ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 169.08 287.05 Td (T) Tj ET Q q 0 0 0 rg BT 173.09 287.05 Td (rading account assets ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 244.86 287.05 Td (and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 258.41 287.05 Td (T) Tj ET Q q 0 0 0 rg BT 262.42 287.05 Td (rading account liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.30 287.05 Td (, respectively) Tj ET Q q 0 0 0 rg BT 385.43 287.05 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 277.45 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 277.45 Td (Includes brokerage payables.) Tj ET Q endstream endobj 215 0 obj <> endobj 216 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (105) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (MARKET) Tj ET Q q 0 0 0 rg BT 80.82 742.25 Td ( RISK OF) Tj ET Q q 0 0 0 rg BT 123.79 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 126.11 742.25 Td (TRADING POR) Tj ET Q q 0 0 0 rg BT 196.59 742.25 Td (TFOLIOS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (T) Tj ET Q q 0 0 0 rg BT 41.76 730.25 Td (rading portfolios include positions resulting from market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (making activities, hedges of certain available-for) Tj ET Q q 0 0 0 rg BT 231.27 718.25 Td (-sale \(AFS\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (debt securities, the CV) Tj ET Q q 0 0 0 rg BT 125.80 706.25 Td (A) Tj ET Q q 0 0 0 rg BT 132.47 706.25 Td ( relating from derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (counterparties and all associated hedges, fair value option ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (loans, hedges to the loan portfolio and the leverage finance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (pipeline within capital markets origination within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 236.51 670.25 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.73 670.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 658.25 Td (The market risk of Citi) Tj ET Q q 0 0 0 rg BT 148.42 658.25 Td (s trading portfolios is monitored ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (using a combination of quantitative and qualitative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.25 Td (measures, including but not limited to:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 616.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 616.25 Td (factor sensitivities; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 604.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 604.25 Td (value at risk \(V) Tj ET Q q 0 0 0 rg BT 114.63 604.25 Td (AR\); and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 592.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 592.25 Td (stress testing.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 568.25 Td (Each trading portfolio across Citi) Tj ET Q q 0 0 0 rg BT 190.08 568.25 Td (s businesses has its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 556.25 Td (own market risk limit framework encompassing these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 544.25 Td (measures and other controls, including trading mandates, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (permitted product lists and a new product approval process ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (for complex products.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 718.10 Td (The following chart of total daily trading-related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (revenue \(loss\) captures trading volatility and shows the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (number of days in which revenues for Citi) Tj ET Q q 0 0 0 rg BT 488.90 694.10 Td (s trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (businesses fell within particular ranges. ) Tj ET Q q 0 0 0 rg BT 477.33 682.10 Td (T) Tj ET Q q 0 0 0 rg BT 483.09 682.10 Td (rading-related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (revenues includes trading, net interest and other revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (associated with Citi) Tj ET Q q 0 0 0 rg BT 398.66 658.10 Td (s trading businesses. It excludes DV) Tj ET Q q 0 0 0 rg BT 542.34 658.10 Td (A, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (FV) Tj ET Q q 0 0 0 rg BT 328.49 646.10 Td (A) Tj ET Q q 0 0 0 rg BT 335.16 646.10 Td ( and CV) Tj ET Q q 0 0 0 rg BT 367.21 646.10 Td (A) Tj ET Q q 0 0 0 rg BT 373.88 646.10 Td ( adjustments incurred due to changes in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (credit quality of counterparties as well as any associated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (hedges to that CV) Tj ET Q q 0 0 0 rg BT 387.64 622.10 Td (A. In addition, it excludes fees and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (revenue associated with capital markets origination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (activities. ) Tj ET Q q 0 0 0 rg BT 357.92 598.10 Td (T) Tj ET Q q 0 0 0 rg BT 363.67 598.10 Td (rading-related revenues are driven by both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (customer flows and the changes in valuation of the trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (inventory) Tj ET Q q 0 0 0 rg BT 354.68 574.10 Td (. ) Tj ET Q q 0 0 0 rg BT 361.62 574.10 Td (As shown in the chart, positive trading-related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (revenue was achieved for 97% of the trading days in 2015.) Tj ET Q 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 521.75 m 576.5 521.75 l s BT /F5 10.00 Tf ET q 0 0 0 rg BT 39.00 509.47 Td (Daily T) Tj ET Q q 0 0 0 rg BT 71.24 509.47 Td (rading-Related Revenue \(Loss\) ) Tj ET Q BT /F5 10.00 Tf ET BT /F5 6.50 Tf ET q 0 0 0 rg BT 221.27 514.24 Td (\(1\)) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 229.21 509.47 Td ( T) Tj ET Q q 0 0 0 rg BT 247.35 509.47 Td (welve Months ended December 31, 2015) Tj ET Q BT /F7 8.00 Tf ET q 0 0 0 rg BT 39.00 500.93 Td (In millions of dollars) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 526.00 0 0 292.40 36.00 199.84 cm /I29 Do Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 180.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 180.65 Td (Reflects the ef) Tj ET Q q 0 0 0 rg BT 100.05 180.65 Td (fects of asymmetrical accounting for economic hedges of certain ) Tj ET Q q 0 0 0 rg BT 308.64 180.65 Td (AFS debt securities. Specifically) Tj ET Q q 0 0 0 rg BT 414.98 180.65 Td (, the change in the fair value of hedging ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 171.05 Td (derivatives is included in) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 134.20 171.05 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 136.20 171.05 Td (T) Tj ET Q q 0 0 0 rg BT 140.81 171.05 Td (rading-related revenue, while the of) Tj ET Q q 0 0 0 rg BT 255.05 171.05 Td (fsetting change in the fair value of hedged ) Tj ET Q q 0 0 0 rg BT 391.45 171.05 Td (AFS debt securities is included in ) Tj ET Q q 0 0 0 rg BT 500.77 171.05 Td (AOCI and not ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 161.45 Td (reflected above.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 151.85 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 151.85 Td (Occurred on January 15, 2015, principally related to the impact of the Swiss National Bank) Tj ET Q q 0 0 0 rg BT 348.59 151.85 Td (s announcement removing the minimum exchange rate of Swiss ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 142.25 Td (franc per Euro.) Tj ET Q endstream endobj 217 0 obj <> endobj 218 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (106) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Factor) Tj ET Q q 0 0 0 rg BT 64.13 742.25 Td ( Sensitivities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (Factor sensitivities are expressed as the change in the value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (of a position for a defined change in a market risk factor) Tj ET Q q 0 0 0 rg BT 260.79 718.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (such as a change in the value of a U.S. ) Tj ET Q q 0 0 0 rg BT 192.44 706.25 Td (T) Tj ET Q q 0 0 0 rg BT 198.19 706.25 Td (reasury bill for a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (one basis point change in interest rates. Citi) Tj ET Q q 0 0 0 rg BT 215.68 694.25 Td (s Market Risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (Management, within the Risk or) Tj ET Q q 0 0 0 rg BT 164.96 682.25 Td (ganization, works to ensure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (that factor sensitivities are calculated, monitored and, in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (most cases, limited for all material risks taken in the trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (portfolios.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 622.25 Td (V) Tj ET Q q 0 0 0 rg BT 42.30 622.25 Td (alue at Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 Td (V) Tj ET Q q 0 0 0 rg BT 41.93 610.25 Td (AR estimates, at a 99% confidence level, the potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.25 Td (decline in the value of a position or a portfolio under normal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.25 Td (market conditions assuming a one-day holding period. ) Tj ET Q q 0 0 0 rg BT 255.78 586.25 Td (V) Tj ET Q q 0 0 0 rg BT 261.71 586.25 Td (AR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.25 Td (statistics, which are based on historical data, can be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.25 Td (materially dif) Tj ET Q q 0 0 0 rg BT 89.96 562.25 Td (ferent across firms due to dif) Tj ET Q q 0 0 0 rg BT 205.02 562.25 Td (ferences in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.25 Td (portfolio composition, dif) Tj ET Q q 0 0 0 rg BT 138.87 550.25 Td (ferences in ) Tj ET Q q 0 0 0 rg BT 184.77 550.25 Td (V) Tj ET Q q 0 0 0 rg BT 190.70 550.25 Td (AR methodologies, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.25 Td (and dif) Tj ET Q q 0 0 0 rg BT 63.87 538.25 Td (ferences in model parameters. ) Tj ET Q q 0 0 0 rg BT 185.76 538.25 Td (As a result, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.25 Td (believes ) Tj ET Q q 0 0 0 rg BT 71.08 526.25 Td (V) Tj ET Q q 0 0 0 rg BT 77.02 526.25 Td (AR statistics can be used more ef) Tj ET Q q 0 0 0 rg BT 210.13 526.25 Td (fectively as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.25 Td (indicators of trends in risk-taking within a firm, rather than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.25 Td (as a basis for inferring dif) Tj ET Q q 0 0 0 rg BT 138.84 502.25 Td (ferences in risk-taking across ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.25 Td (firms.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 478.25 Td (Citi uses a single, independently approved Monte Carlo ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.25 Td (simulation ) Tj ET Q q 0 0 0 rg BT 80.54 466.25 Td (V) Tj ET Q q 0 0 0 rg BT 86.47 466.25 Td (AR model \(see V) Tj ET Q q 0 0 0 rg BT 159.33 466.25 Td (AR Model Review and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.25 Td (V) Tj ET Q q 0 0 0 rg BT 42.11 454.25 Td (alidation below\), which has been designed to capture ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.25 Td (material risk sensitivities \(such as first- and second-order ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.25 Td (sensitivities of positions to changes in market prices\) of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (various asset classes/risk types \(such as interest rate, credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (spread, foreign exchange, equity and commodity risks\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 334.78 718.10 Td (s ) Tj ET Q q 0 0 0 rg BT 340.99 718.10 Td (V) Tj ET Q q 0 0 0 rg BT 346.93 718.10 Td (AR includes positions which are measured at fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (value; it does not include investment securities classified as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (AFS or HTM. For information on these securities, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (Note14 to the Consolidated Financial Statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 670.10 Td (Citi believes its ) Tj ET Q q 0 0 0 rg BT 399.54 670.10 Td (V) Tj ET Q q 0 0 0 rg BT 405.47 670.10 Td (AR model is conservatively calibrated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (to incorporate fat-tail scaling and the greater of short-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (\(approximately the most recent month\) and long-term \(three ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (years\) market volatility) Tj ET Q q 0 0 0 rg BT 409.65 634.10 Td (. ) Tj ET Q q 0 0 0 rg BT 414.47 634.10 Td (The Monte Carlo simulation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (involves approximately 300,000 market factors, making use ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (of approximately 180,000 time series, with sensitivities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (updated daily) Tj ET Q q 0 0 0 rg BT 370.50 598.10 Td (, volatility parameters updated daily to weekly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (and correlation parameters updated monthly) Tj ET Q q 0 0 0 rg BT 492.95 586.10 Td (. ) Tj ET Q q 0 0 0 rg BT 497.77 586.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (conservative features of the ) Tj ET Q q 0 0 0 rg BT 429.54 574.10 Td (V) Tj ET Q q 0 0 0 rg BT 435.48 574.10 Td (AR calibration contribute an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (approximate 17% add-on to what would be a ) Tj ET Q q 0 0 0 rg BT 498.99 562.10 Td (V) Tj ET Q q 0 0 0 rg BT 504.92 562.10 Td (AR estimated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (under the assumption of stable and perfectly) Tj ET Q q 0 0 0 rg BT 493.52 550.10 Td (, normally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (distributed markets. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 526.10 Td (As set forth in the table below) Tj ET Q q 0 0 0 rg BT 454.88 526.10 Td (, Citi) Tj ET Q q 0 0 0 rg BT 477.66 526.10 Td (s average and year) Tj ET Q q 0 0 0 rg BT 551.58 526.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 514.10 Td (end ) Tj ET Q q 0 0 0 rg BT 333.76 514.10 Td (T) Tj ET Q q 0 0 0 rg BT 339.51 514.10 Td (rading ) Tj ET Q q 0 0 0 rg BT 367.38 514.10 Td (V) Tj ET Q q 0 0 0 rg BT 373.31 514.10 Td (AR decreased from 2014 to 2015, mainly due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 502.10 Td (to changes in interest rate and credit spread exposures in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (markets and securities services businesses within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 515.84 490.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.06 490.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (T) Tj ET Q q 0 0 0 rg BT 322.76 478.10 Td (rading and Credit Portfolio ) Tj ET Q q 0 0 0 rg BT 433.11 478.10 Td (V) Tj ET Q q 0 0 0 rg BT 439.05 478.10 Td (AR also declined, although ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 466.10 Td (thedecrease from ) Tj ET Q q 0 0 0 rg BT 390.39 466.10 Td (T) Tj ET Q q 0 0 0 rg BT 396.15 466.10 Td (rading ) Tj ET Q q 0 0 0 rg BT 424.01 466.10 Td (V) Tj ET Q q 0 0 0 rg BT 429.94 466.10 Td (AR was partially of) Tj ET Q q 0 0 0 rg BT 508.36 466.10 Td (fset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 454.10 Td (byadditional hedging related to lending activities in 2015.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 358.75 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 358.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 358.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.50 358.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 358.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 330.75 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 330.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 330.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.50 330.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 330.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 302.75 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 302.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 302.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.50 302.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 302.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 274.75 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 274.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 274.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.50 274.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 274.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 237.75 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 237.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 237.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.50 237.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 237.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 209.75 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 209.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 209.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.50 209.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 209.75 49.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 372.75 m 366.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 372.75 m 415.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 372.75 m 464.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 372.75 m 513.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 372.75 m 562.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 372.75 m 464.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 358.75 m 464.5 344.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 330.75 m 366.5 330.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 330.75 m 415.5 330.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 344.75 m 464.5 330.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 330.75 m 464.5 330.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 330.75 m 513.5 330.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 330.75 m 562.5 330.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 330.75 m 464.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 316.75 m 464.5 302.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 302.75 m 464.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 288.75 m 464.5 274.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 260.75 m 366.5 260.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 274.75 m 464.5 260.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 260.75 m 513.5 260.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 260.75 m 562.5 260.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 237.75 m 366.5 237.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 260.75 m 415.5 260.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 260.75 m 464.5 237.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 260.75 m 464.5 260.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 260.75 m 513.5 260.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 260.75 m 562.5 260.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 223.75 m 366.5 223.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 237.75 m 415.5 237.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 237.75 m 464.5 223.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 237.75 m 464.5 237.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 237.75 m 513.5 237.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 237.75 m 562.5 237.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 223.75 m 366.5 223.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 209.75 m 366.5 209.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 223.75 m 415.5 223.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 209.75 m 415.5 209.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 223.75 m 464.5 209.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 223.75 m 464.5 223.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 209.75 m 464.5 209.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 223.75 m 513.5 223.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 209.75 m 513.5 209.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 223.75 m 562.5 223.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 209.75 m 562.5 209.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 195.75 m 366.5 195.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 209.75 m 464.5 195.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 181.75 m 366.5 181.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 195.75 m 415.5 195.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 181.75 m 415.5 181.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 195.75 m 464.5 181.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 195.75 m 464.5 195.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 181.75 m 464.5 181.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 195.75 m 513.5 195.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 181.75 m 513.5 181.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 195.75 m 562.5 195.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 181.75 m 562.5 181.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 377.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.05 386.20 Td (December) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.75 377.20 Td (31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.50 386.20 Td (2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.80 377.20 Td (Average) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.00 386.21 Td (December) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.75 377.21 Td (31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.50 386.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.55 377.21 Td (Average) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 363.21 Td (Interest rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 363.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.00 363.20 Td (37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 363.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 363.20 Td (44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.00 363.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 363.21 Td (68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.95 363.21 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 349.21 Td (Credit spread) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.00 349.20 Td (56) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 349.20 Td (69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 349.21 Td (87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.95 349.21 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 335.21 Td (Covariance adjustment) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 121.72 339.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.00 335.20 Td (\(25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 335.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 335.20 Td (\(26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.00 335.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 335.21 Td (\(36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 335.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.95 335.21 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 321.21 Td (Fully diversified interest rate and credit spread) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 321.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.00 321.20 Td (68) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 321.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 321.20 Td (87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.00 321.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.50 321.21 Td (119) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 321.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 321.21 Td (114) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 307.21 Td (Foreign exchange) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.00 307.20 Td (27) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 307.20 Td (34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 307.21 Td (27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 307.21 Td (31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 293.21 Td (Equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.00 293.20 Td (17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 293.20 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 293.21 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 293.21 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 279.21 Td (Commodity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.00 279.20 Td (17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 279.20 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 279.21 Td (23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 279.21 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 265.21 Td (Covariance adjustment) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 121.72 269.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.00 265.20 Td (\(53) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 265.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 265.20 Td (\(65) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.00 265.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 265.21 Td (\(56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 265.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.00 265.21 Td (\(73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 265.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 251.21 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 251.21 Td (otal trading ) Tj ET Q q 0 0 0 rg BT 87.19 251.21 Td (V) Tj ET Q q 0 0 0 rg BT 92.53 251.21 Td (ARall market risk factors, including general and specific risk \(excluding ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 242.21 Td (credit portfolios\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 99.73 246.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 242.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.00 242.20 Td (76) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 242.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 242.20 Td (92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.00 242.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.50 242.21 Td (130) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 242.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 242.21 Td (112) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 228.21 Td (Specific risk-only component) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 145.48 232.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 228.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.00 228.20 Td (11) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 228.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.50 228.20 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.00 228.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 228.21 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 228.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 228.21 Td (12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 214.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 214.20 Td (otal trading ) Tj ET Q q 0 0 0 rg BT 91.51 214.20 Td (V) Tj ET Q q 0 0 0 rg BT 96.85 214.20 Td (ARgeneral market risk factors only \(excluding cr) Tj ET Q q 0 0 0 rg BT 294.66 214.20 Td (edit portfolios\)) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 351.40 218.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 214.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.00 214.20 Td (65) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 214.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 214.20 Td (86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.00 214.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.50 214.21 Td (120) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 214.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 214.21 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 200.21 Td (Incremental impact of the credit portfolio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 188.19 204.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 200.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.00 200.20 Td (22) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 200.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 200.20 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.00 200.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 200.21 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 200.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 200.21 Td (21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 186.20 Td (Total trading and credit portfolio VAR) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 186.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.00 186.20 Td (98) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 186.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.50 186.20 Td (117) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.00 186.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.50 186.21 Td (148) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 186.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 186.21 Td (133) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 163.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 163.05 Td (Covariance adjustment \(also known as diversification benefit\) equals the dif) Tj ET Q q 0 0 0 rg BT 297.56 163.05 Td (ference between the total ) Tj ET Q q 0 0 0 rg BT 379.59 163.05 Td (V) Tj ET Q q 0 0 0 rg BT 384.34 163.05 Td (AR and the sum of the ) Tj ET Q q 0 0 0 rg BT 458.40 163.05 Td (V) Tj ET Q q 0 0 0 rg BT 463.15 163.05 Td (ARs tied to each individual ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 153.45 Td (risk type. ) Tj ET Q q 0 0 0 rg BT 85.63 153.45 Td (The benefit reflects the fact that the risks within each and across risk types are not perfectly correlated and, consequently) Tj ET Q q 0 0 0 rg BT 471.62 153.45 Td (, the total ) Tj ET Q q 0 0 0 rg BT 503.47 153.45 Td (V) Tj ET Q q 0 0 0 rg BT 508.21 153.45 Td (AR on a given ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 143.85 Td (day will be lower than the sum of the ) Tj ET Q q 0 0 0 rg BT 174.94 143.85 Td (V) Tj ET Q q 0 0 0 rg BT 179.68 143.85 Td (ARs relating to each individual risk type. ) Tj ET Q q 0 0 0 rg BT 313.29 143.85 Td (The determination of the primary drivers of changes to the covariance ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 134.25 Td (adjustment is made by an examination of the impact of both model parameter and position changes. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 124.65 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 53.18 124.65 Td (The total ) Tj ET Q q 0 0 0 rg BT 83.70 124.65 Td (T) Tj ET Q q 0 0 0 rg BT 88.30 124.65 Td (rading ) Tj ET Q q 0 0 0 rg BT 110.59 124.65 Td (V) Tj ET Q q 0 0 0 rg BT 115.34 124.65 Td (AR includes mark-to-market and certain fair value option trading positions from ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 374.60 124.65 Td (ICG ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 390.38 124.65 Td (and Citi Holdings, with the exception of hedges to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 115.05 Td (the loan portfolio, fair value option loans, and all CV) Tj ET Q q 0 0 0 rg BT 222.93 115.05 Td (A) Tj ET Q q 0 0 0 rg BT 228.27 115.05 Td ( exposures. ) Tj ET Q q 0 0 0 rg BT 267.82 115.05 Td (A) Tj ET Q q 0 0 0 rg BT 273.00 115.05 Td (vailable-for) Tj ET Q q 0 0 0 rg BT 310.15 115.05 Td (-sale and accrual exposures are not included.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 105.45 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 105.45 Td (The specific risk-only component represents the level of equity and fixed income issuer) Tj ET Q q 0 0 0 rg BT 334.20 105.45 Td (-specific risk embedded in ) Tj ET Q q 0 0 0 rg BT 420.69 105.45 Td (V) Tj ET Q q 0 0 0 rg BT 425.43 105.45 Td (AR. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 95.85 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 95.85 Td (The credit portfolio is composed of mark-to-market positions associated with non-trading business units including Citi ) Tj ET Q q 0 0 0 rg BT 435.35 95.85 Td (T) Tj ET Q q 0 0 0 rg BT 439.95 95.85 Td (reasury) Tj ET Q q 0 0 0 rg BT 462.98 95.85 Td (, the CV) Tj ET Q q 0 0 0 rg BT 488.83 95.85 Td (A) Tj ET Q q 0 0 0 rg BT 494.17 95.85 Td ( relating to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 86.25 Td (derivative counterparties and all associated CV) Tj ET Q q 0 0 0 rg BT 203.80 86.25 Td (A) Tj ET Q q 0 0 0 rg BT 209.14 86.25 Td ( hedges. FV) Tj ET Q q 0 0 0 rg BT 246.55 86.25 Td (A) Tj ET Q q 0 0 0 rg BT 251.88 86.25 Td ( and DV) Tj ET Q q 0 0 0 rg BT 277.96 86.25 Td (A) Tj ET Q q 0 0 0 rg BT 283.29 86.25 Td ( are not included. ) Tj ET Q q 0 0 0 rg BT 340.68 86.25 Td (The credit portfolio also includes hedges to the loan portfolio, fair ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 76.65 Td (value option loans and hedges to the leveraged finance pipeline within capital markets origination within ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 391.46 76.65 Td (ICG) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 405.23 76.65 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 57.45 Td ( ) Tj ET Q endstream endobj 219 0 obj <> endobj 220 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (107) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 742.10 Td (The table below provides the range of market factor ) Tj ET Q q 0 0 0 rg BT 264.01 742.10 Td (V) Tj ET Q q 0 0 0 rg BT 269.94 742.10 Td (ARs associated with Citi) Tj ET Q q 0 0 0 rg BT 371.88 742.10 Td (s total trading ) Tj ET Q q 0 0 0 rg BT 429.19 742.10 Td (V) Tj ET Q q 0 0 0 rg BT 435.12 742.10 Td (AR, inclusive of specific risk:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 689.60 338.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 689.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 689.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 689.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 689.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 661.60 338.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 661.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 661.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 661.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 661.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 633.60 338.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 633.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 633.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 633.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 633.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 605.60 338.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 605.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 605.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 605.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 605.60 47.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 717.6 m 421.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 717.6 m 468.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 717.6 m 515.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 717.6 m 562.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 703.6 m 374.5 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 703.6 m 421.5 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 717.6 m 468.5 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 703.6 m 468.5 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 703.6 m 515.5 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 703.6 m 562.5 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 703.6 m 468.5 689.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 675.6 m 374.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 675.6 m 421.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 689.6 m 468.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 675.6 m 468.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 675.6 m 515.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 675.6 m 562.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 675.6 m 468.5 661.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 661.6 m 468.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 647.6 m 468.5 633.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 619.6 m 374.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 619.6 m 421.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 633.6 m 468.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 619.6 m 468.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 619.6 m 515.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 619.6 m 562.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 619.6 m 468.5 605.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 591.6 m 374.5 591.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 591.6 m 421.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 605.6 m 468.5 591.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 591.6 m 468.5 591.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 591.6 m 515.5 591.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 591.6 m 562.5 591.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 722.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 722.06 Td (2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 707.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.95 708.05 Td (Low) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.95 708.05 Td (High) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.25 708.06 Td (Low) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.50 708.06 Td (High) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 694.06 Td (Interest rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.00 694.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 694.05 Td (28) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 694.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 694.05 Td (84) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.95 694.06 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.95 694.06 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 680.06 Td (Credit spread) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 680.05 Td (56) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 680.05 Td (94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.95 680.06 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.95 680.06 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 666.06 Td (Fully diversified interest rate and credit spread) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.00 666.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 666.05 Td (65) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 666.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.50 666.05 Td (127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 666.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 666.06 Td (84) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 666.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 666.06 Td (158) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 652.06 Td (Foreign exchange) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 652.05 Td (20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 652.05 Td (54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 652.06 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 652.06 Td (59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 638.06 Td (Equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.50 638.05 Td (9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 638.05 Td (35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 638.06 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 638.06 Td (48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 624.06 Td (Commodity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 624.05 Td (12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 624.05 Td (37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 624.06 Td (11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 624.06 Td (27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 610.06 Td (Total trading) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.00 610.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 610.05 Td (70) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 610.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.50 610.05 Td (140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 610.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 610.06 Td (84) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 610.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 610.06 Td (163) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 596.06 Td (Total trading and credit portfolio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 596.05 Td (89) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.50 596.05 Td (158) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 596.06 Td (96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 596.06 Td (188) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 573.50 Td (Note: No covariance adjustment can be inferred from the above table as the high and low for each market factor will be from dif) Tj ET Q q 0 0 0 rg BT 446.58 573.50 Td (ferent close of business dates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 551.90 Td (The following table provides the ) Tj ET Q q 0 0 0 rg BT 186.84 551.90 Td (V) Tj ET Q q 0 0 0 rg BT 192.77 551.90 Td (AR for ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 223.33 551.90 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.55 551.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 539.90 Td (excluding the CV) Tj ET Q q 0 0 0 rg BT 105.25 539.90 Td (A) Tj ET Q q 0 0 0 rg BT 111.92 539.90 Td ( relating to derivative counterparties, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 527.90 Td (hedges of CV) Tj ET Q q 0 0 0 rg BT 89.70 527.90 Td (A, fair value option loans and hedges to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 515.90 Td (loan portfolio:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 491.40 182.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 491.40 63.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 454.40 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 454.40 63.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 491.4 m 218.5 491.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 491.4 m 281.5 491.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 468.4 m 218.5 468.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 468.4 m 281.5 468.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 426.4 m 218.5 426.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 426.4 m 281.5 426.4 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 495.65 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 224.25 495.85 Td (Dec. 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 481.85 Td (Totalall market risk factors, including) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 472.85 Td (general and specific risk) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.00 472.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 472.85 Td (71) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 458.86 Td (Averageduring year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.00 458.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 458.85 Td (85) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 444.86 Td (Highduring year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.50 444.85 Td (129) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 430.86 Td (Lowduring year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 430.85 Td (65) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 397.50 Td (V) Tj ET Q q 0 0 0 rg BT 41.37 397.50 Td (AR Model Review and V) Tj ET Q q 0 0 0 rg BT 138.00 397.50 Td (alidation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 385.50 Td (Generally) Tj ET Q q 0 0 0 rg BT 74.77 385.50 Td (, Citi) Tj ET Q q 0 0 0 rg BT 97.56 385.50 Td (s ) Tj ET Q q 0 0 0 rg BT 103.77 385.50 Td (V) Tj ET Q q 0 0 0 rg BT 109.70 385.50 Td (AR review and model validation process ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 373.50 Td (entails reviewing the model framework, major assumptions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 361.50 Td (and implementation of the mathematical algorithm. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 349.50 Td (addition, as part of the model validation process, product ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 337.50 Td (specific back-testing on portfolios is periodically completed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 325.50 Td (and reviewed with Citi) Tj ET Q q 0 0 0 rg BT 130.15 325.50 Td (s U.S. banking regulators. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 313.50 Td (Furthermore, Regulatory ) Tj ET Q q 0 0 0 rg BT 137.74 313.50 Td (V) Tj ET Q q 0 0 0 rg BT 143.67 313.50 Td (AR \(as described below\) back-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 301.50 Td (testing is performed against buy-and-hold profit and loss on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 289.50 Td (a monthly basis for multiple sub-portfolios across the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 277.50 Td (or) Tj ET Q q 0 0 0 rg BT 44.15 277.50 Td (ganization \(trading desk level, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 167.72 277.50 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.94 277.50 Td ( business segment and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 265.50 Td (Citigroup\) and the results are shared with the U.S. banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 253.50 Td (regulators.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 241.50 Td (Significant ) Tj ET Q q 0 0 0 rg BT 100.20 241.50 Td (V) Tj ET Q q 0 0 0 rg BT 106.13 241.50 Td (AR model and assumption changes must ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 229.50 Td (be independently validated within Citi) Tj ET Q q 0 0 0 rg BT 192.08 229.50 Td (s risk management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 217.50 Td (or) Tj ET Q q 0 0 0 rg BT 44.15 217.50 Td (ganization. ) Tj ET Q q 0 0 0 rg BT 90.62 217.50 Td (This validation process includes a review by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 205.50 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 205.50 Td (s model validation group and further approval from its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 193.50 Td (model validation review committee, which is composed of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 181.50 Td (senior quantitative risk management of) Tj ET Q q 0 0 0 rg BT 191.88 181.50 Td (ficers. In the event of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 169.50 Td (significant model changes, parallel model runs are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 157.50 Td (undertaken prior to implementation. In addition, significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 145.50 Td (model and assumption changes are subject to the periodic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 133.50 Td (reviews and approval by Citi) Tj ET Q q 0 0 0 rg BT 154.31 133.50 Td (s U.S. banking regulators.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 121.50 Td (Citi uses the same independently validated ) Tj ET Q q 0 0 0 rg BT 227.11 121.50 Td (V) Tj ET Q q 0 0 0 rg BT 233.04 121.50 Td (AR model ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 109.50 Td (for both Regulatory ) Tj ET Q q 0 0 0 rg BT 117.19 109.50 Td (V) Tj ET Q q 0 0 0 rg BT 123.12 109.50 Td (AR and Risk Management ) Tj ET Q q 0 0 0 rg BT 231.82 109.50 Td (V) Tj ET Q q 0 0 0 rg BT 237.75 109.50 Td (AR \(i.e., ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 97.50 Td (T) Tj ET Q q 0 0 0 rg BT 41.41 97.50 Td (otal trading and ) Tj ET Q q 0 0 0 rg BT 106.49 97.50 Td (T) Tj ET Q q 0 0 0 rg BT 111.90 97.50 Td (otal trading and credit portfolios ) Tj ET Q q 0 0 0 rg BT 243.63 97.50 Td (V) Tj ET Q q 0 0 0 rg BT 249.56 97.50 Td (ARs\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 85.50 Td (and, as such, the model review and oversight process for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 73.50 Td (both purposes is as described above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 61.50 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 100.75 61.50 Td (V) Tj ET Q q 0 0 0 rg BT 106.69 61.50 Td (AR, which is calculated in accordance with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 49.50 Td (Basel III, dif) Tj ET Q q 0 0 0 rg BT 86.63 49.50 Td (fers from Risk Management ) Tj ET Q q 0 0 0 rg BT 201.42 49.50 Td (V) Tj ET Q q 0 0 0 rg BT 207.36 49.50 Td (AR due to the fact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 551.90 Td (that certain positions included in Risk Management ) Tj ET Q q 0 0 0 rg BT 525.39 551.90 Td (V) Tj ET Q q 0 0 0 rg BT 531.32 551.90 Td (AR are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 539.90 Td (not eligible for market risk treatment in Regulatory ) Tj ET Q q 0 0 0 rg BT 523.98 539.90 Td (V) Tj ET Q q 0 0 0 rg BT 529.92 539.90 Td (AR. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 527.90 Td (The composition of Risk Management ) Tj ET Q q 0 0 0 rg BT 473.18 527.90 Td (V) Tj ET Q q 0 0 0 rg BT 479.11 527.90 Td (AR is discussed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 515.90 Td (under V) Tj ET Q q 0 0 0 rg BT 352.82 515.90 Td (alue at Risk above. ) Tj ET Q q 0 0 0 rg BT 435.67 515.90 Td (The applicability of the ) Tj ET Q q 0 0 0 rg BT 531.57 515.90 Td (V) Tj ET Q q 0 0 0 rg BT 537.50 515.90 Td (AR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 503.90 Td (model for positions eligible for market risk treatment under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 491.90 Td (U.S. regulatory capital rules is periodically reviewed and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 479.90 Td (approved by Citi) Tj ET Q q 0 0 0 rg BT 386.99 479.90 Td (s U.S. banking regulators.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 467.90 Td (In accordance with Basel III, Regulatory ) Tj ET Q q 0 0 0 rg BT 500.03 467.90 Td (V) Tj ET Q q 0 0 0 rg BT 505.96 467.90 Td (AR includes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 455.90 Td (all trading book covered positions and all foreign exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 443.90 Td (and commodity exposures. Pursuant to Basel III, Regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 431.90 Td (V) Tj ET Q q 0 0 0 rg BT 322.93 431.90 Td (AR excludes positions that fail to meet the intent and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 419.90 Td (ability to trade requirements and are therefore classified as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 407.90 Td (non-trading book and categories of exposures that are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 395.90 Td (specifically excluded as covered positions. Regulatory ) Tj ET Q q 0 0 0 rg BT 539.53 395.90 Td (V) Tj ET Q q 0 0 0 rg BT 545.46 395.90 Td (AR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 383.90 Td (excludes CV) Tj ET Q q 0 0 0 rg BT 367.09 383.90 Td (A) Tj ET Q q 0 0 0 rg BT 373.76 383.90 Td ( on derivative instruments and DV) Tj ET Q q 0 0 0 rg BT 510.50 383.90 Td (A) Tj ET Q q 0 0 0 rg BT 517.17 383.90 Td ( on Citi) Tj ET Q q 0 0 0 rg BT 549.95 383.90 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 371.90 Td (own fair value option liabilities. CV) Tj ET Q q 0 0 0 rg BT 460.13 371.90 Td (A) Tj ET Q q 0 0 0 rg BT 466.80 371.90 Td ( hedges are excluded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 359.90 Td (from Regulatory ) Tj ET Q q 0 0 0 rg BT 385.69 359.90 Td (V) Tj ET Q q 0 0 0 rg BT 391.62 359.90 Td (AR and included in credit risk-weighted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 347.90 Td (assets as computed under the ) Tj ET Q q 0 0 0 rg BT 435.03 347.90 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 477.51 347.90 Td (Approaches for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 335.90 Td (determining risk-weighted assets. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 311.90 Td (Regulatory V) Tj ET Q q 0 0 0 rg BT 369.30 311.90 Td (AR Back-testing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 299.90 Td (In accordance with Basel III, Citi is required to perform ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 287.90 Td (back-testing to evaluate the ef) Tj ET Q q 0 0 0 rg BT 436.77 287.90 Td (fectiveness of its Regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 275.90 Td (V) Tj ET Q q 0 0 0 rg BT 322.93 275.90 Td (AR model. Regulatory ) Tj ET Q q 0 0 0 rg BT 416.07 275.90 Td (V) Tj ET Q q 0 0 0 rg BT 422.00 275.90 Td (AR back-testing is the process in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 263.90 Td (which the daily one-day ) Tj ET Q q 0 0 0 rg BT 415.68 263.90 Td (V) Tj ET Q q 0 0 0 rg BT 421.61 263.90 Td (AR, at a 99% confidence interval, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 251.90 Td (is compared to the buy-and-hold profit and loss \(i.e., the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 239.90 Td (profit and loss impact if the portfolio is held constant at the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 227.90 Td (end of the day and re-priced the following day\). Buy-and-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 215.90 Td (hold profit and loss represents the daily mark-to-market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 203.90 Td (profit and loss attributable to price movements in covered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 191.90 Td (positions from the close of the previous business day) Tj ET Q q 0 0 0 rg BT 527.99 191.90 Td (. Buy-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 179.90 Td (and-hold profit and loss excludes realized trading revenue, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 167.90 Td (net interest, fees and commissions, intra-day trading profit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 155.90 Td (and loss, and changes in reserves.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 143.90 Td (Based on a 99% confidence level, Citi would expect two ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 131.90 Td (to three days in any one year where buy-and-hold losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 119.90 Td (exceeded the Regulatory ) Tj ET Q q 0 0 0 rg BT 418.16 119.90 Td (V) Tj ET Q q 0 0 0 rg BT 424.09 119.90 Td (AR. Given the conservative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 107.90 Td (calibration of Citi) Tj ET Q q 0 0 0 rg BT 390.87 107.90 Td (s ) Tj ET Q q 0 0 0 rg BT 397.08 107.90 Td (V) Tj ET Q q 0 0 0 rg BT 403.02 107.90 Td (AR model \(as a result of taking the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 95.90 Td (greater of short- and long-term volatilities and fat-tail scaling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 83.90 Td (of volatilities\), Citi would expect fewer exceptions under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 71.90 Td (normal and stable market conditions. Periods of unstable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 59.90 Td (market conditions could increase the number of back-testing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 47.90 Td (exceptions.) Tj ET Q endstream endobj 221 0 obj <> endobj 222 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (108) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 742.10 Td (The following graph shows the daily buy-and-hold ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (profit and loss associated with Citi) Tj ET Q q 0 0 0 rg BT 177.37 730.10 Td (s covered positions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (compared to Citi) Tj ET Q q 0 0 0 rg BT 105.99 718.10 Td (s one-day Regulatory ) Tj ET Q q 0 0 0 rg BT 193.84 718.10 Td (V) Tj ET Q q 0 0 0 rg BT 199.77 718.10 Td (AR during 2015. ) Tj ET Q q 0 0 0 rg BT 269.22 718.10 Td (As ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (of December 31, 2015, there was one back-testing exception ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (observed for Citi) Tj ET Q q 0 0 0 rg BT 106.54 694.10 Td (s Regulatory ) Tj ET Q q 0 0 0 rg BT 159.69 694.10 Td (V) Tj ET Q q 0 0 0 rg BT 165.62 694.10 Td (AR for the prior 12 months. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (As previously disclosed, trading losses on January 15, 2015 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (exceeded the ) Tj ET Q q 0 0 0 rg BT 90.23 670.10 Td (V) Tj ET Q q 0 0 0 rg BT 96.16 670.10 Td (AR estimate at the Citigroup level following ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (the Swiss National Bank) Tj ET Q q 0 0 0 rg BT 137.38 658.10 Td (s announcement removing the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (minimum exchange rate of Swiss franc per Euro.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 742.10 Td (The dif) Tj ET Q q 0 0 0 rg BT 363.97 742.10 Td (ference between the) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.92 742.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.42 742.10 Td (38%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 464.75 742.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.25 742.10 Td (of days with buy-and-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (hold gains for Regulatory ) Tj ET Q q 0 0 0 rg BT 421.80 730.10 Td (V) Tj ET Q q 0 0 0 rg BT 427.73 730.10 Td (AR back-testing and the 97% of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (days with trading, net interest and other revenue associated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (with Citi) Tj ET Q q 0 0 0 rg BT 355.06 706.10 Td (s trading businesses shown in the histogram of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (daily trading-related revenue above reflects, among other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (things, that a significant portion of Citi) Tj ET Q q 0 0 0 rg BT 475.59 682.10 Td (s trading-related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (revenue is not generated from daily price movements on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (these positions and exposures, as well as dif) Tj ET Q q 0 0 0 rg BT 492.90 658.10 Td (ferences in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (portfolio composition of Regulatory ) Tj ET Q q 0 0 0 rg BT 464.02 646.10 Td (V) Tj ET Q q 0 0 0 rg BT 469.95 646.10 Td (AR and Risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 371.52 634.10 Td (V) Tj ET Q q 0 0 0 rg BT 377.45 634.10 Td (AR.) Tj ET Q 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 599.6 m 576.5 599.6 l s BT /F5 10.00 Tf ET q 0 0 0 rg BT 39.00 589.32 Td (Regulatory T) Tj ET Q q 0 0 0 rg BT 99.57 589.32 Td (rading V) Tj ET Q q 0 0 0 rg BT 138.83 589.32 Td (AR and ) Tj ET Q q 0 0 0 rg BT 176.24 589.32 Td (Associated Buy-and-Hold Profit and Loss ) Tj ET Q BT /F5 10.00 Tf ET BT /F5 6.50 Tf ET q 0 0 0 rg BT 376.26 594.09 Td (\(1\)) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 384.20 589.32 Td (12 Months ended December 31, 2015) Tj ET Q BT /F7 8.00 Tf ET q 0 0 0 rg BT 39.00 580.78 Td (In millions of dollars) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 526.00 0 0 333.20 36.00 226.89 cm /I30 Do Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 205.30 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 205.30 Td (Buy-and-hold profit and loss, as defined by the banking regulators under Basel III, represents the daily mark-to-market revenue movement attributable to the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 195.70 Td (trading position from the close of the previous business day) Tj ET Q q 0 0 0 rg BT 244.34 195.70 Td (. Buy-and-hold profit and loss excludes realized trading revenue, net interest, intra-day trading ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 186.10 Td (profit and loss on new and terminated trades, as well as changes in reserves. ) Tj ET Q q 0 0 0 rg BT 299.11 186.10 Td (Therefore it is not comparable to the trading-related revenue presented in the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 176.50 Td (chart below of Daily ) Tj ET Q q 0 0 0 rg BT 121.83 176.50 Td (T) Tj ET Q q 0 0 0 rg BT 126.44 176.50 Td (rading-related revenue.) Tj ET Q endstream endobj 223 0 obj <> endobj 224 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (109) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Str) Tj ET Q q 0 0 0 rg BT 49.15 742.25 Td (ess ) Tj ET Q q 0 0 0 rg BT 63.69 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 69.44 742.25 Td (esting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (Citi performs stress testing on a regular basis to estimate the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (impact of extreme market movements. It is performed on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (individual positions and trading portfolios, as well as in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (aggregate, inclusive of multiple trading portfolios. Citi) Tj ET Q q 0 0 0 rg BT 257.62 694.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (Market Risk management, after consultations with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (businesses, develops both systemic and specific stress ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (scenarios, reviews the output of periodic stress testing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (exercises, and uses the information to assess the ongoing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.25 Td (appropriateness of exposure levels and limits. Citi uses two ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.25 Td (complementary approaches to market risk stress testing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 Td (across all major risk factors \(i.e., equity) Tj ET Q q 0 0 0 rg BT 193.91 610.25 Td (, foreign exchange, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.25 Td (commodity) Tj ET Q q 0 0 0 rg BT 80.90 598.25 Td (, interest rate and credit spreads\): top-down ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.25 Td (systemic stresses and bottom-up business specific stresses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.25 Td (Systemic stresses are designed to quantify the potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.25 Td (impact of extreme market movements on an institution-wide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.25 Td (basis, and are constructed using both historical periods of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.25 Td (market stress and projections of adverse economic scenarios. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.25 Td (Business specific stresses are designed to probe the risks of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.25 Td (particular portfolios and market segments, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.25 Td (especially those risks that are not fully captured in ) Tj ET Q q 0 0 0 rg BT 239.37 502.25 Td (V) Tj ET Q q 0 0 0 rg BT 245.30 502.25 Td (AR and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.25 Td (systemic stresses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 478.25 Td (The systemic stress scenarios and business specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.25 Td (stress scenarios at Citi are used in several reports reviewed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.25 Td (by senior management and also to calculate internal risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.25 Td (capital for trading market risk. In general, changes in market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.25 Td (factors are defined over a one-year horizon. However) Tj ET Q q 0 0 0 rg BT 249.38 430.25 Td (, for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.25 Td (purpose of calculating internal risk capital, changes in a very ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.25 Td (limited number of the most liquid market factors are defined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.25 Td (over a shorter three-month horizon. ) Tj ET Q q 0 0 0 rg BT 180.21 394.25 Td (The limited set of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.25 Td (market factors subject to the shorter three-month time ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.25 Td (horizon are those that in management) Tj ET Q q 0 0 0 rg BT 189.00 370.25 Td (s judgment have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.25 Td (historically remained very liquid during financial crises, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.25 Td (even as the trading liquidity of most other market factors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.25 Td (materially decreased.) Tj ET Q endstream endobj 225 0 obj <> endobj 226 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 33.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 33.60 Td (10) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (OPERA) Tj ET Q q 0 0 0 rg BT 77.11 747.90 Td (TIONAL) Tj ET Q q 0 0 0 rg BT 123.79 747.90 Td ( RISK ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 723.90 Td (Operational risk is the risk of loss resulting from inadequate or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 711.90 Td (failed internal processes, systems or human factors, or from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 699.90 Td (external events. It includes the reputation and franchise risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 687.90 Td (associated with business practices or market conduct in which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 675.90 Td (Citi is involved. Operational risk is inherent in Citi) Tj ET Q q 0 0 0 rg BT 242.37 675.90 Td (s global ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 663.90 Td (business activities, as well as the internal processes that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 651.90 Td (support those business activities, and can result in losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 639.90 Td (arising from events related to the following, among others:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 621.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 621.90 Td (fraud, theft and unauthorized activity;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 609.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 609.90 Td (employment practices and workplace environment;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 597.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 597.90 Td (clients, products and business practices;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 585.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 585.90 Td (physical assets and infrastructure; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 573.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 573.90 Td (execution, delivery and process management.) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 675.90 Td (The following table presents Citicorp) Tj ET Q q 0 0 0 rg BT 206.19 675.90 Td (s principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 663.90 Td (emer) Tj ET Q q 0 0 0 rg BT 55.80 663.90 Td (ging markets assets as of December 31, 2015. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 651.90 Td (purposes of the table below) Tj ET Q q 0 0 0 rg BT 145.32 651.90 Td (, loan amounts are generally based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 639.90 Td (on the domicile of the borrower) Tj ET Q q 0 0 0 rg BT 162.35 639.90 Td (. For example, a loan to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (Chinese subsidiary of a Switzerland-based corporation will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (generally be categorized as a loan in China. ) Tj ET Q q 0 0 0 rg BT 500.69 737.10 Td (T) Tj ET Q q 0 0 0 rg BT 506.45 737.10 Td (rading account ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (assets and investment securities are generally categorized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (below based on the domicile of the issuer of the security or the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (underlying reference entity \(for additional information on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (assets included in the table, see the footnotes to the table ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (below\).) 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0.8 0.9333333333333333 1 rg /GS0 gs 534.50 407.40 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 377.40 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 94.50 377.40 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 377.40 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 377.40 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 377.40 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 377.40 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 377.40 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 377.40 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 377.40 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 377.40 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 377.40 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 347.40 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 94.50 347.40 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 347.40 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 347.40 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 347.40 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 347.40 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 347.40 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 347.40 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 347.40 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 347.40 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 347.40 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 317.40 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 94.50 317.40 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 317.40 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 317.40 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 317.40 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 317.40 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 317.40 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 317.40 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 317.40 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 317.40 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 317.40 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 287.40 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 94.50 287.40 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 287.40 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 287.40 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 287.40 52.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 287.40 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 287.40 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 287.40 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 287.40 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 287.40 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 287.40 42.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 586.4 m 94.5 586.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 586.4 m 198.5 586.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 586.4 m 254.5 586.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 586.4 m 306.5 586.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 617.4 m 354.5 586.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 617.4 m 402.5 586.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 586.4 m 402.5 586.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 617.4 m 402.5 586.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 617.4 m 450.5 586.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 586.4 m 450.5 586.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 586.4 m 492.5 586.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 586.4 m 534.5 586.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 586.4 m 576.5 586.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 586.4 m 94.5 586.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 557.4 m 94.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 94.5 586.4 m 146.5 586.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 94.5 557.4 m 146.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 557.4 m 198.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 557.4 m 254.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 586.4 m 306.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 557.4 m 306.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 586.4 m 306.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 586.4 m 354.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 586.4 m 354.5 586.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 557.4 m 354.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 586.4 m 354.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 586.4 m 402.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 557.4 m 402.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 586.4 m 450.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 557.4 m 450.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 586.4 m 492.5 586.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 557.4 m 492.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 586.4 m 534.5 586.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 557.4 m 534.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 586.4 m 576.5 586.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 557.4 m 576.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 94.5 557.4 m 94.5 542.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 94.5 557.4 m 94.5 542.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 557.4 m 306.5 542.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 557.4 m 354.5 542.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 557.4 m 354.5 542.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 557.4 m 402.5 542.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 557.4 m 450.5 542.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 557.4 m 492.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 557.4 m 534.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 557.4 m 576.5 557.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 94.5 542.4 m 94.5 527.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 94.5 542.4 m 94.5 527.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 542.4 m 306.5 527.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 542.4 m 354.5 527.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 542.4 m 354.5 527.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 542.4 m 402.5 527.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 542.4 m 450.5 527.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 94.5 527.4 m 94.5 512.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 94.5 527.4 m 94.5 512.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 527.4 m 306.5 512.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 527.4 m 354.5 512.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 527.4 m 354.5 512.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 527.4 m 402.5 512.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 527.4 m 450.5 512.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 94.5 512.4 m 94.5 497.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 94.5 512.4 m 94.5 497.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 512.4 m 306.5 497.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 512.4 m 354.5 497.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 512.4 m 354.5 497.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 512.4 m 402.5 497.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 512.4 m 450.5 497.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 94.5 497.4 m 94.5 482.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 94.5 497.4 m 94.5 482.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 497.4 m 306.5 482.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 497.4 m 354.5 482.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 497.4 m 354.5 482.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 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/GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 257.4 m 198.5 257.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 257.4 m 254.5 257.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 257.4 m 306.5 257.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 272.4 m 306.5 257.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 272.4 m 354.5 257.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 257.4 m 354.5 257.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 272.4 m 354.5 257.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 272.4 m 402.5 257.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 257.4 m 402.5 257.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 257.4 m 450.5 257.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 272.4 m 450.5 257.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 257.4 m 492.5 257.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 257.4 m 534.5 257.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 257.4 m 576.5 257.4 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 147.70 590.85 Td (As of December 31, 2015) Tj ET Q BT /F1 8.50 Tf ET q 0 0 0 rg BT 358.95 599.26 Td (As of Sept.) Tj ET Q BT /F1 8.50 Tf ET q 0 0 0 rg BT 363.10 590.76 Td (30, 2015) Tj ET Q BT /F1 8.50 Tf ET q 0 0 0 rg BT 407.70 599.26 Td (As of Dec.) Tj ET Q BT /F1 8.50 Tf ET q 0 0 0 rg BT 411.10 590.76 Td (31, 2014) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 483.20 590.85 Td (GCB ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.96 590.85 Td (NCL) Tj ET Q q 0 0 0 rg BT 522.46 590.85 Td ( Rate) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 569.65 Td (In billions of) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 561.65 Td (dollars) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 106.25 577.63 Td (T) Tj ET Q q 0 0 0 rg BT 110.99 577.63 Td (rading ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 106.65 569.63 Td (account ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 107.15 561.63 Td (assets) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 126.70 565.26 Td (\(1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 152.85 569.63 Td (Investment ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 152.95 561.63 Td (securities) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 184.94 565.26 Td (\(2\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 208.20 569.63 Td (Corporate ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 214.05 561.63 Td (loans) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 231.84 565.26 Td (\(3\)) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 261.85 561.63 Td (GCB) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 278.30 561.63 Td ( loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 309.45 561.63 Td (Aggr) Tj ET Q q 0 0 0 rg BT 326.63 561.63 Td (egate) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 344.40 565.26 Td (\(4\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 358.30 561.65 Td (Aggregate) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 391.62 565.28 Td (\(4\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 406.30 561.65 Td (Aggregate) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 439.62 565.28 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.45 561.85 Td (4Q'15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.15 561.86 Td (3Q'15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.15 561.86 Td (4Q'14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 546.86 Td (Mexico) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 97.00 546.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.75 546.85 Td (4.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 149.00 546.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 179.25 546.85 Td (16.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.00 546.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.75 546.85 Td (8.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.00 546.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.25 546.85 Td (25.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.00 546.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 546.85 Td (54.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 546.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.25 546.86 Td (55.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.00 546.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.25 546.86 Td (58.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 546.85 Td (4.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.00 546.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 546.86 Td (4.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 546.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 546.86 Td (5.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 546.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 531.86 Td (Korea) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.75 531.85 Td (1.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.75 531.85 Td (9.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.75 531.85 Td (3.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.25 531.85 Td (19.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 531.85 Td (33.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.25 531.86 Td (34.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.25 531.86 Td (34.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 531.85 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 531.86 Td (0.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 531.86 Td (0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 516.86 Td (India) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.75 516.85 Td (3.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.75 516.85 Td (8.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.75 516.85 Td (9.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.75 516.85 Td (6.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 516.85 Td (26.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.25 516.86 Td (26.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.25 516.86 Td (25.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 516.85 Td (0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 516.86 Td (0.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 516.86 Td (0.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 501.86 Td (Singapore) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 134.00 501.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.75 501.85 Td (5.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.75 501.85 Td (5.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.25 501.85 Td (13.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 501.85 Td (24.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.25 501.86 Td (25.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.25 501.86 Td (26.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 501.85 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 501.86 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 501.86 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 486.86 Td (Hong Kong) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.75 486.85 Td (1.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.75 486.85 Td (4.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.75 486.85 Td (7.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.25 486.85 Td (10.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 486.85 Td (24.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.25 486.86 Td (24.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.25 486.86 Td (23.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 486.85 Td (0.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 486.86 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 486.86 Td (0.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 471.86 Td (Brazil) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.75 471.85 Td (2.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.75 471.85 Td (2.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 235.25 471.85 Td (13.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.75 471.85 Td (2.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 471.85 Td (21.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.25 471.86 Td (20.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.25 471.86 Td (24.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 471.85 Td (9.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 471.86 Td (5.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 471.86 Td (6.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 456.86 Td (China) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.75 456.85 Td (2.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.75 456.85 Td (3.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.75 456.85 Td (7.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.75 456.85 Td (4.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 456.85 Td (17.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.25 456.86 Td (18.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.25 456.86 Td (19.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 456.85 Td (0.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 456.86 Td (0.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 456.86 Td (0.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 441.86 Td (Taiwan) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.75 441.85 Td (1.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.75 441.85 Td (0.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.75 441.85 Td (3.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.75 441.85 Td (7.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 441.85 Td (13.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.25 441.86 Td (13.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.25 441.86 Td (13.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 441.85 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 441.86 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 441.86 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 426.86 Td (Poland) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.75 426.85 Td (0.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.75 426.85 Td (4.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.75 426.85 Td (1.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.75 426.85 Td (2.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.75 426.85 Td (9.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 426.86 Td (9.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.25 426.86 Td (10.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.75 426.85 Td (\(0.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.00 426.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 426.86 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.25 426.86 Td (\(1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 426.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 411.86 Td (Malaysia) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.75 411.85 Td (0.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.75 411.85 Td (0.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.75 411.85 Td (1.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.75 411.85 Td (4.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.75 411.85 Td (6.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 411.86 Td (6.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.75 411.86 Td (8.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 411.85 Td (0.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 411.86 Td (0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 411.86 Td (0.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 396.86 Td (Colombia) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 134.00 396.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.75 396.85 Td (0.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.75 396.85 Td (2.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.75 396.85 Td (1.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.75 396.85 Td (4.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 396.86 Td (4.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.75 396.86 Td (4.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 396.85 Td (3.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 396.86 Td (3.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 396.86 Td (3.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 381.86 Td (Thailand) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.75 381.85 Td (0.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.75 381.85 Td (1.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.75 381.85 Td (0.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.75 381.85 Td (1.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.75 381.85 Td (4.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 381.86 Td (4.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.75 381.86 Td (4.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 381.85 Td (3.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 381.86 Td (2.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 381.86 Td (2.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 366.86 Td (UAE) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 128.75 366.85 Td (\(0.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 143.00 366.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 366.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.75 366.85 Td (2.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.75 366.85 Td (1.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.75 366.85 Td (4.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 366.86 Td (3.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.75 366.86 Td (3.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 366.85 Td (3.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 366.86 Td (2.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 366.86 Td (1.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 351.86 Td (Russia) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 63.00 355.94 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.75 351.85 Td (0.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.75 351.85 Td (0.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.75 351.85 Td (2.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.75 351.85 Td (0.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.75 351.85 Td (4.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 351.86 Td (4.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.75 351.86 Td (6.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 351.85 Td (3.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 351.86 Td (3.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 351.86 Td (2.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 336.86 Td (Indonesia) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.75 336.85 Td (0.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.75 336.85 Td (0.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.75 336.85 Td (1.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.75 336.85 Td (1.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.75 336.85 Td (3.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 336.86 Td (3.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.75 336.86 Td (4.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 336.85 Td (7.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 336.86 Td (6.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 336.86 Td (3.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 321.86 Td (Turkey) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 128.75 321.85 Td (\(0.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 143.00 321.85 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.75 321.85 Td (0.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.75 321.85 Td (2.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.75 321.85 Td (0.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.75 321.85 Td (3.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 321.86 Td (3.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.75 321.86 Td (5.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 321.85 Td (0.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.25 321.86 Td (\(0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 321.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.25 321.86 Td (\(0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 321.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 306.86 Td (Ar) Tj ET Q q 0 0 0 rg BT 48.33 306.86 Td (gentina) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 74.82 310.94 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.75 306.85 Td (0.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.75 306.85 Td (0.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.75 306.85 Td (1.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.75 306.85 Td (1.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.75 306.85 Td (3.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 306.86 Td (3.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.75 306.86 Td (2.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 306.85 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 306.86 Td (0.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 306.86 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 291.86 Td (Philippines) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 131.75 291.85 Td (0.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.75 291.85 Td (0.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.75 291.85 Td (0.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.75 291.85 Td (1.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.75 291.85 Td (2.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 291.86 Td (2.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.75 291.86 Td (2.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 291.85 Td (3.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.25 291.86 Td (3.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 291.86 Td (3.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 276.86 Td (South Africa) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 134.00 276.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.75 276.85 Td (0.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.75 276.85 Td (1.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.00 276.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.75 276.85 Td (1.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 276.86 Td (2.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.75 276.86 Td (3.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.00 276.85 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 276.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 276.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 261.86 Td (Chile) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 134.00 261.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 261.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.75 261.85 Td (1.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.00 261.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.75 261.85 Td (1.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 261.86 Td (1.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.75 261.86 Td (1.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.00 261.85 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 261.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 261.86 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 238.70 Td (Note: ) Tj ET Q q 0 0 0 rg BT 55.33 238.70 Td (Aggregate may not cross-foot due to rounding. Prior periods have been reclassified to conform to current period presentation.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 229.10 Td (\(1\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 229.10 Td (T) Tj ET Q q 0 0 0 rg BT 58.01 229.10 Td (rading account assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 127.78 229.10 Td ( are shown on a net basis and include derivative exposures where the underlying reference entity is located in that country) Tj ET Q q 0 0 0 rg BT 517.35 229.10 Td (. Does not include ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 219.50 Td (counterparty credit exposures.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 209.90 Td (\(2\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 209.90 Td (Investment securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 121.31 209.90 Td ( include securities available-for) Tj ET Q q 0 0 0 rg BT 221.77 209.90 Td (-sale, recorded at fair market value, and securities held-to-maturity) Tj ET Q q 0 0 0 rg BT 434.94 209.90 Td (, recorded at historical cost. Does not ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 200.30 Td (include investments accounted for under the equity method.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 190.70 Td (\(3\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 190.70 Td (Corporate loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 106.67 190.70 Td ( reflect funded loans within ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 196.64 190.70 Td (ICG) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.42 190.70 Td (, excluding the private bank, net of unearned income. In addition to the funded loans disclosed in the table above, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 181.10 Td (through its ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 90.45 181.10 Td (ICG ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 106.22 181.10 Td (businesses \(excluding the private bank\), Citi had unfunded commitments to corporate customers in the emer) Tj ET Q q 0 0 0 rg BT 452.43 181.10 Td (ging markets of approximately $34 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 171.50 Td (billion as of December 31, 2015 \(compared to $32 billion and $33 billion as of September 30, 2015 and December 31, 2014, respectively\); no single country ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 161.90 Td (accounted for more than $4 billion of this amount. For information on private bank loans, see the narrative to the table below) Tj ET Q q 0 0 0 rg BT 453.59 161.90 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 152.30 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 152.30 Td (Aggregate of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 97.98 152.30 Td (T) Tj ET Q q 0 0 0 rg BT 101.99 152.30 Td (rading account assets, Investment securities,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 245.07 152.30 Td ( ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 247.07 152.30 Td (Corporate loans ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 301.75 152.30 Td (and) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 313.30 152.30 Td ( GCB loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 350.63 152.30 Td (, based on the methodologies described above.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 142.70 Td (\(5\) ) Tj ET Q q 0 0 0 rg BT 54.00 142.70 Td (For additional information on Citi) Tj ET Q q 0 0 0 rg BT 165.10 142.70 Td (s exposures in Russia and ) Tj ET Q q 0 0 0 rg BT 248.88 142.70 Td (Ar) Tj ET Q q 0 0 0 rg BT 257.17 142.70 Td (gentina, see below) Tj ET Q q 0 0 0 rg BT 315.96 142.70 Td (.) Tj ET Q endstream endobj 229 0 obj <> endobj 230 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 33.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 33.60 Td (12) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Emerging Markets T) Tj ET Q q 0 0 0 rg BT 121.75 749.25 Td (rading ) Tj ET Q q 0 0 0 rg BT 151.11 749.25 Td (Account ) Tj ET Q q 0 0 0 rg BT 187.68 749.25 Td (Assets and Investment ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (In the ordinary course of business, Citi holds securities in its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (trading accounts and investment accounts, including those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (above. ) Tj ET Q q 0 0 0 rg BT 64.70 701.25 Td (T) Tj ET Q q 0 0 0 rg BT 70.45 701.25 Td (rading account assets are marked to market daily) Tj ET Q q 0 0 0 rg BT 265.00 701.25 Td (, with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (asset levels varying as Citi maintains inventory consistent with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (customer needs. Investment securities are recorded at either ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (fair value or historical cost, based on the underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (accounting treatment, and are predominantly held as part of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (the local entity asset and liability management program or to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (comply with local regulatory requirements. In the markets in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (the table above, approximately 99% of Citi) Tj ET Q q 0 0 0 rg BT 211.23 617.25 Td (s investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (securities were related to sovereign issuers as of December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (2015.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (Emerging Markets Consumer Lending) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 557.25 Td () Tj ET Q q 0 0 0 rg BT 58.78 557.25 Td (s strategy within the emer) Tj ET Q q 0 0 0 rg BT 161.90 557.25 Td (ging markets is consistent with ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 545.25 Td () Tj ET Q q 0 0 0 rg BT 58.78 545.25 Td (s overall strategy) Tj ET Q q 0 0 0 rg BT 126.44 545.25 Td (, which is to leverage its global ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (footprint to serve its tar) Tj ET Q q 0 0 0 rg BT 129.69 533.25 Td (get clients. ) Tj ET Q q 0 0 0 rg BT 175.33 533.25 Td (The retail bank seeks to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (the preeminent bank for the emer) Tj ET Q q 0 0 0 rg BT 168.82 521.25 Td (ging af) Tj ET Q q 0 0 0 rg BT 196.68 521.25 Td (fluent and af) Tj ET Q q 0 0 0 rg BT 247.04 521.25 Td (fluent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (consumers in lar) Tj ET Q q 0 0 0 rg BT 101.91 509.25 Td (ge urban centers. In credit cards and in certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (retail markets, Citi serves customers in a somewhat broader ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (set of segments and geographies. Commercial banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (generally serves small- and middle-market enterprises ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (operating in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 86.54 461.25 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.54 461.25 Td () Tj ET Q q 0 0 0 rg BT 109.32 461.25 Td (s geographic markets, focused on clients ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (that value Citi) Tj ET Q q 0 0 0 rg BT 95.43 449.25 Td (s global capabilities. Overall, Citi believes that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (its customers are more resilient than the overall market under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (a wide range of economic conditions. Citi) Tj ET Q q 0 0 0 rg BT 206.23 425.25 Td (s consumer business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (has a well-established risk appetite framework across ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (geographies and products that reflects the business strategy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (and activities and establishes boundaries around the key risks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (that arise from the strategy and activities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 365.25 Td (As of December 31, 2015, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 162.03 365.25 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.03 365.25 Td ( had approximately $1) Tj ET Q q 0 0 0 rg BT 271.35 365.25 Td (10 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (billion of consumer loans outstanding to borrowers in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.25 Td (emer) Tj ET Q q 0 0 0 rg BT 55.80 341.25 Td (ging markets, or approximately 38% of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 215.49 341.25 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.49 341.25 Td () Tj ET Q q 0 0 0 rg BT 238.27 341.25 Td (s total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.25 Td (loans, lar) Tj ET Q q 0 0 0 rg BT 72.47 329.25 Td (gely unchanged from September 30, 2015 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.25 Td (compared to $1) Tj ET Q q 0 0 0 rg BT 97.83 317.25 Td (18 billion \(41%\) as of December 31, 2014. Of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.25 Td (the approximate $1) Tj ET Q q 0 0 0 rg BT 112.83 305.25 Td (10 billion as of December 31, 2015, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.25 Td (five lar) Tj ET Q q 0 0 0 rg BT 64.41 293.25 Td (gest emer) Tj ET Q q 0 0 0 rg BT 102.83 293.25 Td (ging marketsMexico, Korea, Singapore, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.25 Td (Hong Kong and ) Tj ET Q q 0 0 0 rg BT 102.20 281.25 Td (T) Tj ET Q q 0 0 0 rg BT 107.61 281.25 Td (aiwancomprised approximately 27% of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 269.25 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 269.25 Td () Tj ET Q q 0 0 0 rg BT 58.78 269.25 Td (s total loans. ) Tj ET Q q 0 0 0 rg BT 111.37 269.25 Td (W) Tj ET Q q 0 0 0 rg BT 120.41 269.25 Td (ithin the emer) Tj ET Q q 0 0 0 rg BT 175.77 269.25 Td (ging markets, 30% of Citi) Tj ET Q q 0 0 0 rg BT 282.14 269.25 Td (s ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 257.25 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 257.25 Td ( loans were mortgages, 26% were commercial markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.25 Td (loans, 24% were personal loans and 20% were credit card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.25 Td (loans, each as of December 31, 2015. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 221.25 Td (Overall consumer credit quality remained generally stable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.25 Td (in the fourth quarter of 2015, as net credit losses in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.25 Td (emer) Tj ET Q q 0 0 0 rg BT 55.80 197.25 Td (ging markets were 1.9% of average loans, compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.25 Td (1.8% and 2.2% in the third quarter of 2015 and fourth quarter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.25 Td (of 2014, respectively) Tj ET Q q 0 0 0 rg BT 119.49 173.25 Td (, consistent with Citi) Tj ET Q q 0 0 0 rg BT 205.05 173.25 Td (s tar) Tj ET Q q 0 0 0 rg BT 221.81 173.25 Td (get market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.25 Td (strategy and risk appetite framework. ) Tj ET Q q 0 0 0 rg BT 187.43 161.25 Td (The increase in net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.25 Td (credit losses in certain emer) Tj ET Q q 0 0 0 rg BT 147.44 149.25 Td (ging market countries in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 247.42 149.25 Td (Asia) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.19 149.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.25 Td (such as Hong Kong and Indonesia, primarily related to Citi) Tj ET Q q 0 0 0 rg BT 275.39 137.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.25 Td (commercial banking business in such countries and was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.25 Td (primarily due to the impact of lower commodity prices as well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.25 Td (as the slowdown in growth in the region. ) Tj ET Q q 0 0 0 rg BT 201.63 101.25 Td (The increase in net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.25 Td (credit losses in Brazil also related to the commercial banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.25 Td (business and lar) Tj ET Q q 0 0 0 rg BT 99.70 77.25 Td (gely related to a wind-down portfolio in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.25 Td (Brazil, where the losses were mostly of) Tj ET Q q 0 0 0 rg BT 193.28 65.25 Td (fset by the release of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.25 Td (previously-established loan loss reserves.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Emerging Markets Corporate Lending) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (Consistent with) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 386.50 737.25 Td ( ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.23 737.25 Td () Tj ET Q q 0 0 0 rg BT 409.00 737.25 Td (s overall strategy) Tj ET Q q 0 0 0 rg BT 476.67 737.25 Td (, Citi) Tj ET Q q 0 0 0 rg BT 499.45 737.25 Td (s corporate clients ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (in the emer) Tj ET Q q 0 0 0 rg BT 368.80 725.25 Td (ging markets are typically lar) Tj ET Q q 0 0 0 rg BT 485.80 725.25 Td (ge, multinational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (corporations that value Citi) Tj ET Q q 0 0 0 rg BT 435.92 713.25 Td (s global network. Citi aims to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (establish relationships with these clients that encompass ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (multiple products, consistent with client needs, including cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (management and trade services, foreign exchange, lending, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (capital markets and M&A) Tj ET Q q 0 0 0 rg BT 427.58 665.25 Td ( advisory) Tj ET Q q 0 0 0 rg BT 463.87 665.25 Td (. Citi believes that its tar) Tj ET Q q 0 0 0 rg BT 561.45 665.25 Td (get ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (corporate segment is more resilient under a wide range of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 Td (economic conditions, and that its relationship-based approach ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.25 Td (to client service enables it to ef) Tj ET Q q 0 0 0 rg BT 448.21 629.25 Td (fectively manage the risks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 Td (inherent in such relationships. Citi has a well-established risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.25 Td (appetite framework around its corporate lending activities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.25 Td (including risk-based limits and approval authorities and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.25 Td (portfolio concentration boundaries.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 569.25 Td (As of December 31, 2015, corporate loans \(excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.25 Td (private bank\) were approximately $93 billion in the emer) Tj ET Q q 0 0 0 rg BT 552.63 557.25 Td (ging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.25 Td (markets, representing approximately 43% of total corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.25 Td (loans outstanding, compared to $97 billion \(43%\) and $99 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.25 Td (billion \(47%\) as of September 30, 2015 and December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 Td (2014, respectively) Tj ET Q q 0 0 0 rg BT 396.66 509.25 Td (. No single emer) Tj ET Q q 0 0 0 rg BT 465.07 509.25 Td (ging markets country ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.25 Td (accounted for more than 6% of Citi) Tj ET Q q 0 0 0 rg BT 468.40 497.25 Td (s corporate loans as of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.25 Td (end of the fourth quarter of 2015. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 473.25 Td (As of December 31, 2015, approximately 75% of Citi) Tj ET Q q 0 0 0 rg BT 559.73 473.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.25 Td (emer) Tj ET Q q 0 0 0 rg BT 343.80 461.25 Td (ging markets corporate credit portfolio \(excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.25 Td (private bank\), including loans and unfunded lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.25 Td (commitments, was rated investment grade, which Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.25 Td (considers to be ratings of BBB or better according to its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.25 Td (internal risk measurement system and methodology \(for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.25 Td (additional information on Citi) Tj ET Q q 0 0 0 rg BT 446.49 401.25 Td (s internal risk measurement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.25 Td (system for corporate credit, see Corporate Credit above\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.25 Td (The majority of the remainder was rated BB or B according to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 365.25 Td (s internal risk measurement system and methodology) Tj ET Q q 0 0 0 rg BT 553.87 365.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 353.25 Td (The private bank, which is part of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 479.73 353.25 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.96 353.25 Td ( and primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.25 Td (serves high-net-worth individuals, had approximately $17 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.25 Td (billion of loans in the emer) Tj ET Q q 0 0 0 rg BT 431.85 329.25 Td (ging markets as of December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.25 Td (2015, representing approximately 25% of the business) Tj ET Q q 0 0 0 rg BT 544.23 317.25 Td (s total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.25 Td (loans outstanding, unchanged from September 30, 2015 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.25 Td (compared to $17 billion \(27%\) as of December 31, 2014. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.25 Td (Private bank loans are typically secured by liquid collateral or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.25 Td (real estate and, consistent with the rest of the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 506.16 269.25 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.38 269.25 Td ( loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.25 Td (portfolio, the business has a well-established risk appetite ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.25 Td (framework around its lending activities, including risk-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.25 Td (limits and approval authorities and portfolio concentration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.25 Td (boundaries.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 209.25 Td (Overall ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 374.49 209.25 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.71 209.25 Td ( net credit losses in the emer) Tj ET Q q 0 0 0 rg BT 505.38 209.25 Td (ging markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.25 Td (were 0.1% of average loans in the fourth quarter of 2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.25 Td (compared to 0.0% and 0.4% in the third quarter of 2015 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.25 Td (fourth quarter of 2014, respectively) Tj ET Q q 0 0 0 rg BT 465.25 173.25 Td (. ) Tj ET Q q 0 0 0 rg BT 470.06 173.25 Td (The ratio of non-accrual) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 566.96 173.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 161.25 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.22 161.25 Td ( loans to total loans in the emer) Tj ET Q q 0 0 0 rg BT 466.29 161.25 Td (ging markets remained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.25 Td (stable at 0.4% as of December 31, 2015.) Tj ET Q endstream endobj 231 0 obj <> endobj 232 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 31.60 Td (13) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Argentina) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 79.33 742.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (As of December 31, 2015, Citi) Tj ET Q q 0 0 0 rg BT 161.81 730.25 Td (s net investment in its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (Ar) Tj ET Q q 0 0 0 rg BT 46.37 718.25 Td (gentine operations was approximately $747 million, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (compared to $917 million at September 30, 2015 and $780 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (million at December 31, 2014. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 682.25 Td (Citi uses the ) Tj ET Q q 0 0 0 rg BT 108.39 682.25 Td (Ar) Tj ET Q q 0 0 0 rg BT 118.76 682.25 Td (gentine peso as the functional currency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (in ) Tj ET Q q 0 0 0 rg BT 45.73 670.25 Td (Ar) Tj ET Q q 0 0 0 rg BT 56.10 670.25 Td (gentina and translates its financial statements into U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (dollars using the of) Tj ET Q q 0 0 0 rg BT 112.75 658.25 Td (ficial exchange rate as published by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (Central Bank of ) Tj ET Q q 0 0 0 rg BT 101.82 646.25 Td (Ar) Tj ET Q q 0 0 0 rg BT 112.19 646.25 Td (gentina. Over the last several years, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.25 Td (Ar) Tj ET Q q 0 0 0 rg BT 46.37 634.25 Td (gentine government has imposed strict foreign exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.25 Td (controls which have limited Citi) Tj ET Q q 0 0 0 rg BT 167.65 622.25 Td (s ability to access U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 Td (dollars and other foreign currencies, repatriate capital and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.25 Td (hedge its currency risk, among other impacts. In the latter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.25 Td (part of 2015, however) Tj ET Q q 0 0 0 rg BT 123.91 586.25 Td (, ) Tj ET Q q 0 0 0 rg BT 128.35 586.25 Td (Ar) Tj ET Q q 0 0 0 rg BT 138.72 586.25 Td (gentina elected a new president ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.25 Td (and the ) Tj ET Q q 0 0 0 rg BT 67.10 574.25 Td (Ar) Tj ET Q q 0 0 0 rg BT 77.47 574.25 Td (gentine government took steps to loosen some of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.25 Td (these foreign exchange controls. ) Tj ET Q q 0 0 0 rg BT 170.21 562.25 Td (While these actions were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.25 Td (encouraging, they did result in a devaluation of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.25 Td (Ar) Tj ET Q q 0 0 0 rg BT 46.37 538.25 Td (gentine peso to 13 pesos per one U.S. dollar at December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.25 Td (31, 2015, compared to 9.4 pesos per one U.S. dollar at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.25 Td (September 30, 2015 and 8.6 pesos per one U.S. dollar at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.25 Td (December 31, 2014. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 490.25 Td (The impact of devaluations of the ) Tj ET Q q 0 0 0 rg BT 190.63 490.25 Td (Ar) Tj ET Q q 0 0 0 rg BT 201.00 490.25 Td (gentine peso on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 478.25 Td (s net investment in ) Tj ET Q q 0 0 0 rg BT 131.00 478.25 Td (Ar) Tj ET Q q 0 0 0 rg BT 141.37 478.25 Td (gentina is reported as a translation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.25 Td (loss in stockholders) Tj ET Q q 0 0 0 rg BT 117.47 466.25 Td ( equity of) Tj ET Q q 0 0 0 rg BT 155.62 466.25 Td (fset, to the extent hedged, by:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 448.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 448.25 Td (gains or losses recorded in stockholders) Tj ET Q q 0 0 0 rg BT 215.72 448.25 Td ( equity on net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 436.25 Td (investment hedges that have been designated as, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 424.25 Td (qualify for) Tj ET Q q 0 0 0 rg BT 96.08 424.25 Td (, hedge accounting under ) Tj ET Q q 0 0 0 rg BT 198.55 424.25 Td (ASC 815 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 412.25 Td (Derivatives and Hedging; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 400.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 400.25 Td (gains or losses recorded in earnings for its U.S. dollar) Tj ET Q q 0 0 0 rg BT 268.48 400.25 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 388.25 Td (denominated monetary assets or currency futures held in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 376.25 Td (Ar) Tj ET Q q 0 0 0 rg BT 64.37 376.25 Td (gentina that do not qualify as net investment hedges ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 364.25 Td (under ) Tj ET Q q 0 0 0 rg BT 78.72 364.25 Td (ASC 815.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 340.25 Td (At December 31, 2015, Citi had cumulative translation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 328.25 Td (losses related to its investment in ) Tj ET Q q 0 0 0 rg BT 170.43 328.25 Td (Ar) Tj ET Q q 0 0 0 rg BT 180.80 328.25 Td (gentina, net of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 316.25 Td (qualifying net investment hedges, of approximately $1.88 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 304.25 Td (billion \(pretax\), which were recorded in stockholders) Tj ET Q q 0 0 0 rg BT 251.01 304.25 Td ( equity) Tj ET Q q 0 0 0 rg BT 277.86 304.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 292.25 Td (This compared to $1.66 billion \(pretax\) as of September 30, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 280.25 Td (2015 and $1.51 billion \(pretax\) as of December 31, 2014. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 268.25 Td (The cumulative translation losses would not be reclassified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 256.25 Td (into earnings unless realized upon sale or liquidation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 244.25 Td (substantially all of Citi) Tj ET Q q 0 0 0 rg BT 130.16 244.25 Td (s ) Tj ET Q q 0 0 0 rg BT 136.00 244.25 Td (Ar) Tj ET Q q 0 0 0 rg BT 146.37 244.25 Td (gentine operations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 232.25 Td (As noted above, Citi hedges currency risk in its net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 220.25 Td (investment in ) Tj ET Q q 0 0 0 rg BT 92.11 220.25 Td (Ar) Tj ET Q q 0 0 0 rg BT 102.48 220.25 Td (gentina to the extent possible and prudent. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 208.25 Td (As of December 31, 2015, Citi) Tj ET Q q 0 0 0 rg BT 161.81 208.25 Td (s total hedges against its net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 196.25 Td (investment in ) Tj ET Q q 0 0 0 rg BT 92.11 196.25 Td (Ar) Tj ET Q q 0 0 0 rg BT 102.48 196.25 Td (gentina were approximately $821 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 184.25 Td (\(compared to $972 million as of September 30, 2015 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 172.25 Td ($810 million as of December 31, 2014\). Of this amount, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 160.25 Td (approximately $567 million consisted of foreign currency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 148.25 Td (forwards that were recorded as net investment hedges under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 136.25 Td (ASC 815 \(compared to approximately $562 million as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 124.25 Td (September 30, 2015 and $420 million as of December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 112.25 Td (2014\). ) Tj ET Q q 0 0 0 rg BT 66.65 112.25 Td (The remaining hedges of approximately $254 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 100.25 Td (as of December 31, 2015 \(compared to $410 million as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 88.25 Td (September 30, 2015 and $390 million as of December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 76.25 Td (2014\) were net U.S. dollar) Tj ET Q q 0 0 0 rg BT 141.88 76.25 Td (-denominated assets and foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 64.25 Td (currency futures in Citi ) Tj ET Q q 0 0 0 rg BT 130.98 64.25 Td (Ar) Tj ET Q q 0 0 0 rg BT 141.35 64.25 Td (gentina that do not qualify for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 52.25 Td (hedge accounting under ) Tj ET Q q 0 0 0 rg BT 133.47 52.25 Td (ASC 815. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 742.10 Td (Although Citi currently uses the ) Tj ET Q q 0 0 0 rg BT 465.26 742.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 475.63 742.10 Td (gentine peso as the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (functional currency for its operations in ) Tj ET Q q 0 0 0 rg BT 477.51 730.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 487.88 730.10 Td (gentina, an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (increase in inflation resulting in a cumulative three-year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (inflation rate of 100% or more would result in a change in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (the functional currency to the U.S. dollar) Tj ET Q q 0 0 0 rg BT 480.29 694.10 Td (. Citi bases its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (evaluation of the cumulative three-year inflation rate on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (of) Tj ET Q q 0 0 0 rg BT 325.15 670.10 Td (ficial inflation statistics published by INDEC, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 327.37 658.10 Td (gentine government) Tj ET Q q 0 0 0 rg BT 409.85 658.10 Td (s statistics agency) Tj ET Q q 0 0 0 rg BT 480.85 658.10 Td (. ) Tj ET Q q 0 0 0 rg BT 488.17 658.10 Td (The cumulative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (three-year inflation rate as of November 30, 2015, based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (statistics published by INDEC, was approximately 57% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (\(compared to 52% as of December 31, 2014\). ) Tj ET Q q 0 0 0 rg BT 504.26 622.10 Td (While a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (change in the functional currency to the U.S. dollar would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (not result in any immediate gains or losses to Citi, it would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (result in future devaluations of the ) Tj ET Q q 0 0 0 rg BT 456.41 586.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 466.78 586.10 Td (gentine peso being ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (recorded in earnings for Citi) Tj ET Q q 0 0 0 rg BT 433.07 574.10 Td (s ) Tj ET Q q 0 0 0 rg BT 438.91 574.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 449.29 574.10 Td (gentine peso-denominated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (assets and liabilities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 550.10 Td (As of December 31, 2015, Citi had total third-party ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (assets of approximately $4.4 billion in Citi ) Tj ET Q q 0 0 0 rg BT 489.76 538.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 500.13 538.10 Td (gentina ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 Td (\(unchanged from September 30, 2015 and compared to $4.1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 514.10 Td (billion at December 31, 2014\), primarily composed of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 502.10 Td (corporate and consumer loans and cash on deposit with and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (short-term paper issued by the Central Bank of ) Tj ET Q q 0 0 0 rg BT 506.40 490.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 516.77 490.10 Td (gentina. ) Tj ET Q q 0 0 0 rg BT 553.15 490.10 Td (A) Tj ET Q q 0 0 0 rg BT 559.82 490.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (significant portion of these assets was funded with local ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 466.10 Td (deposits. Included in the total assets were U.S. dollar) Tj ET Q q 0 0 0 rg BT 531.20 466.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 454.10 Td (denominated assets of approximately $918 million, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (compared to approximately $562 million at September 30, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (2015 and $550 million at December 31, 2014. ) Tj ET Q q 0 0 0 rg BT 505.95 430.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.10 Td (sequential increase in U.S. dollar) Tj ET Q q 0 0 0 rg BT 448.98 418.10 Td (-denominated assets was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.10 Td (lar) Tj ET Q q 0 0 0 rg BT 327.37 406.10 Td (gely due to the ) Tj ET Q q 0 0 0 rg BT 388.46 406.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 398.84 406.10 Td (gentine government) Tj ET Q q 0 0 0 rg BT 481.31 406.10 Td (s loosening of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (foreign exchange controls toward the end of 2015, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (referenced above. \(For additional information on Citi) Tj ET Q q 0 0 0 rg BT 535.27 382.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 Td (exposures related to ) Tj ET Q q 0 0 0 rg BT 398.92 370.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 409.29 370.10 Td (gentina, see Emer) Tj ET Q q 0 0 0 rg BT 484.91 370.10 Td (ging Markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 Td (Exposures above.\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.00 346.10 Td (In addition to these foreign exchange and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 Td (economic risks, as widely reported, ) Tj ET Q q 0 0 0 rg BT 460.57 334.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 470.95 334.10 Td (gentina continues to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 Td (be engaged in litigation in the U.S. with certain holdout ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 310.10 Td (bond investors who did not accept restructured bonds in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (restructuring of ) Tj ET Q q 0 0 0 rg BT 380.87 298.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 391.24 298.10 Td (gentine debt after ) Tj ET Q q 0 0 0 rg BT 463.16 298.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 473.53 298.10 Td (gentina defaulted on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (its sovereign obligations in 2001. Based on U.S. court ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (rulings to date, ) Tj ET Q q 0 0 0 rg BT 378.66 274.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 389.03 274.10 Td (gentina has been ordered to negotiate a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.10 Td (settlement with holdout bond investors and, absent a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 Td (negotiated settlement, not pay interest on certain of its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 238.10 Td (restructured bonds unless it simultaneously pays all amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.10 Td (owed to the holdout investors that are the subject of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 Td (litigation. ) Tj ET Q q 0 0 0 rg BT 360.06 214.10 Td (Although ) Tj ET Q q 0 0 0 rg BT 399.78 214.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 410.15 214.10 Td (gentina has been in technical default ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.10 Td (of the U.S. court) Tj ET Q q 0 0 0 rg BT 386.16 202.10 Td (s ruling since mid-2014, ) Tj ET Q q 0 0 0 rg BT 485.32 202.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 495.69 202.10 Td (gentina) Tj ET Q q 0 0 0 rg BT 527.90 202.10 Td (s new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.10 Td (president has announced that it will be a priority for his ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 178.10 Td (administration to attempt to settle the dispute, and in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 166.10 Td (February 2016, ) Tj ET Q q 0 0 0 rg BT 380.05 166.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 390.42 166.10 Td (gentina restarted negotiations with its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 Td (creditors, including the holdout investors. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.00 142.10 Td (Citi ) Tj ET Q q 0 0 0 rg BT 354.95 142.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 365.32 142.10 Td (gentina acted as a custodian in ) Tj ET Q q 0 0 0 rg BT 489.17 142.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 499.54 142.10 Td (gentina for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 130.10 Td (certain of the restructured bonds that are part of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 118.10 Td (holdout bond litigation; specifically) Tj ET Q q 0 0 0 rg BT 468.26 118.10 Td (, U.S.-dollar) Tj ET Q q 0 0 0 rg BT 517.50 118.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 106.10 Td (denominated restructured bonds governed by ) Tj ET Q q 0 0 0 rg BT 499.45 106.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 509.82 106.10 Td (gentine law ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 94.10 Td (and payable in ) Tj ET Q q 0 0 0 rg BT 377.26 94.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 387.63 94.10 Td (gentina. In 2015, the U.S. court overseeing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 331.17 82.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 341.54 82.10 Td (gentina litigation ruled that Citi ) Tj ET Q q 0 0 0 rg BT 469.57 82.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 479.94 82.10 Td (gentina) Tj ET Q q 0 0 0 rg BT 512.16 82.10 Td (s processing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 70.10 Td (of interest payments on these bonds, as custodian, was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 58.10 Td (prohibited by the court) Tj ET Q q 0 0 0 rg BT 411.15 58.10 Td (s order) Tj ET Q q 0 0 0 rg BT 438.08 58.10 Td (. ) Tj ET Q q 0 0 0 rg BT 445.03 58.10 Td (As a result, Citi) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 46.10 Td (announced its intention to exit its custody business in) Tj ET Q endstream endobj 233 0 obj <> endobj 234 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 31.60 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 46.37 742.10 Td (gentina, which such exit is not expected to have a material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (impact on Citi ) Tj ET Q q 0 0 0 rg BT 95.17 730.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 105.54 730.10 Td (gentina) Tj ET Q q 0 0 0 rg BT 137.75 730.10 Td (s results of operations. Upon such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (announcement, the prior ) Tj ET Q q 0 0 0 rg BT 135.41 718.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 145.79 718.10 Td (gentine government took a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (number of adverse actions against Citi ) Tj ET Q q 0 0 0 rg BT 191.52 706.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 201.89 706.10 Td (gentina, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (filing a lawsuit against Citi ) Tj ET Q q 0 0 0 rg BT 146.27 694.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 156.64 694.10 Td (gentina and suspending certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (of its activities. ) Tj ET Q q 0 0 0 rg BT 102.20 682.10 Td (While the new government has, to date, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (indicated a willingness to settle these matters, it remains ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (uncertain as to when these matters will be resolved and what ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (impact, if any) Tj ET Q q 0 0 0 rg BT 90.61 646.10 Td (, such resolution will have on Citi or its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.10 Td (franchise in ) Tj ET Q q 0 0 0 rg BT 84.87 634.10 Td (Ar) Tj ET Q q 0 0 0 rg BT 95.24 634.10 Td (gentina. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 Td (V) Tj ET Q q 0 0 0 rg BT 42.30 610.10 Td (enezuela) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (The ) Tj ET Q q 0 0 0 rg BT 53.87 598.10 Td (V) Tj ET Q q 0 0 0 rg BT 59.98 598.10 Td (enezuelan government operates restrictive foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (exchange controls. ) Tj ET Q q 0 0 0 rg BT 113.29 586.10 Td (These exchange controls have limited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 574.10 Td (s ability to obtain U.S. dollars in ) Tj ET Q q 0 0 0 rg BT 186.10 574.10 Td (V) Tj ET Q q 0 0 0 rg BT 192.21 574.10 Td (enezuela; Citi has not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.10 Td (been able to acquire U.S. dollars from the ) Tj ET Q q 0 0 0 rg BT 205.21 562.10 Td (V) Tj ET Q q 0 0 0 rg BT 211.32 562.10 Td (enezuelan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.10 Td (government since 2008, other than for its customers) Tj ET Q q 0 0 0 rg BT 246.32 550.10 Td ( needs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 538.10 Td (As of December 31, 2015, the ) Tj ET Q q 0 0 0 rg BT 179.56 538.10 Td (V) Tj ET Q q 0 0 0 rg BT 185.68 538.10 Td (enezuelan government ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (operated three separate of) Tj ET Q q 0 0 0 rg BT 138.81 526.10 Td (ficial foreign exchange rates: ) Tj ET Q BT /F1 5.00 Tf ET q 0 0 0 rg BT 257.64 526.10 Td (\\) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 502.10 Td (the preferential foreign exchange rate of) Tj ET Q q 0 0 0 rg BT 214.56 502.10 Td (fered by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 490.10 Td (National Center for Foreign ) Tj ET Q q 0 0 0 rg BT 167.68 490.10 Td (T) Tj ET Q q 0 0 0 rg BT 173.43 490.10 Td (rade \(CENCOEX\), fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 478.10 Td (at 6.3 bolivars to one U.S. dollar; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 466.10 Td (the SICAD rate, which was 13.5 bolivars to one U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 454.10 Td (dollar; and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 442.10 Td (the SIMADI rate, which was 199 bolivars to one U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 430.10 Td (dollar) Tj ET Q q 0 0 0 rg BT 76.77 430.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 406.10 Td (Citi uses the U.S. dollar as the functional currency for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.10 Td (its operations in ) Tj ET Q q 0 0 0 rg BT 102.20 394.10 Td (V) Tj ET Q q 0 0 0 rg BT 108.31 394.10 Td (enezuela. ) Tj ET Q q 0 0 0 rg BT 150.23 394.10 Td (As of December 31, 2015, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.10 Td (uses the SICAD rate to remeasure its net bolivar) Tj ET Q q 0 0 0 rg BT 229.08 382.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.10 Td (denominated monetary assets as the SICAD rate is the only ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.10 Td (rate at which Citi is legally eligible to acquire U.S. dollars ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.10 Td (from CENCOEX, despite the limited availability of U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.10 Td (dollars and although the SICAD rate may not necessarily be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.10 Td (reflective of economic reality) Tj ET Q q 0 0 0 rg BT 153.34 322.10 Td (. Re-measurement of Citi) Tj ET Q q 0 0 0 rg BT 259.71 322.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.10 Td (bolivar) Tj ET Q q 0 0 0 rg BT 64.13 310.10 Td (-denominated assets and liabilities due to changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.10 Td (the exchange rate is recorded in earnings. Citi has been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.10 Td (unable to hedge the currency risk in its net investment in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.10 Td (V) Tj ET Q q 0 0 0 rg BT 42.11 274.10 Td (enezuela due to the lack of ef) Tj ET Q q 0 0 0 rg BT 159.09 274.10 Td (fective market hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.10 Td (mechanisms. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 250.10 Td (At December 31, 2015, Citi) Tj ET Q q 0 0 0 rg BT 167.87 250.10 Td (s net investment in its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.10 Td (V) Tj ET Q q 0 0 0 rg BT 42.11 238.10 Td (enezuelan operations was approximately $200 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.10 Td (\(compared to $187 million at September 30, 2015 and $180 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.10 Td (million at December 31, 2014\), which included net monetary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.10 Td (assets denominated in ) Tj ET Q q 0 0 0 rg BT 126.08 202.10 Td (V) Tj ET Q q 0 0 0 rg BT 132.19 202.10 Td (enezuelan bolivars of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.10 Td ($177 million \(compared to approximately $160 million at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.10 Td (September 30, 2015 and $140 million at December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.10 Td (2014\). ) Tj ET Q q 0 0 0 rg BT 64.15 166.10 Td (T) Tj ET Q q 0 0 0 rg BT 69.56 166.10 Td (otal third-party assets of Citi ) Tj ET Q q 0 0 0 rg BT 186.30 166.10 Td (V) Tj ET Q q 0 0 0 rg BT 192.42 166.10 Td (enezuela were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.10 Td (approximately $1.0 billion at December 31, 2015 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.10 Td (\(unchanged from September 30, 2015 and compared to $0.9 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.10 Td (billion at December 31, 2014\), primarily composed of cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.10 Td (on deposit with the Central Bank of ) Tj ET Q q 0 0 0 rg BT 181.07 118.10 Td (V) Tj ET Q q 0 0 0 rg BT 187.19 118.10 Td (enezuela, corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.10 Td (and consumer loans, and government bonds. ) Tj ET Q q 0 0 0 rg BT 218.47 106.10 Td (A) Tj ET Q q 0 0 0 rg BT 225.14 106.10 Td ( significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.10 Td (portion of these assets was funded with local deposits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 82.10 Td (On February 17, 2016, the ) Tj ET Q q 0 0 0 rg BT 161.86 82.10 Td (V) Tj ET Q q 0 0 0 rg BT 167.97 82.10 Td (enezuelan government ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.10 Td (announced changes to its foreign exchange controls. Based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.10 Td (on the announcement, the CENCOEX rate would increase to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 46.10 Td (10 bolivars per U.S. dollar) Tj ET Q q 0 0 0 rg BT 141.69 46.10 Td (, the SICAD rate would no longer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (exist and the SIMADI rate is expected to become a free ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (floating rate of at least 202 bolivars per U.S. dollar at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (inception. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 706.10 Td (Based on this announcement, Citi expects to begin using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (the SIMADI rate in the first quarter of 2016 to remeasure its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (net bolivar) Tj ET Q q 0 0 0 rg BT 359.84 682.10 Td (-denominated monetary assets, despite the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (possibly limited availability of U.S. dollars \(notwithstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (the fact that it has been described as a free floating rate\) and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (although the new SIMADI rate may not necessarily be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (reflective of economic reality) Tj ET Q q 0 0 0 rg BT 434.34 634.10 Td (. ) Tj ET Q q 0 0 0 rg BT 438.79 634.10 Td (At the expected minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (new SIMADI rate of 202 bolivars per U.S. dollar) Tj ET Q q 0 0 0 rg BT 513.23 622.10 Td (, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (estimates that it will incur an approximate $172 million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (foreign currency loss in the first quarter of 2016, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (could increase if the bolivar continues to devalue in the new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (SIMADI market. ) Tj ET Q q 0 0 0 rg BT 387.27 574.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 437.17 574.10 Td (, Citi expects its revenues and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (expenses will be translated at the SIMADI rate beginning in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (the first quarter of 2016. Because the new foreign exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (control rules have not yet been of) Tj ET Q q 0 0 0 rg BT 450.66 538.10 Td (ficially published and are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 Td (thus not yet ef) Tj ET Q q 0 0 0 rg BT 373.75 526.10 Td (fective, however) Tj ET Q q 0 0 0 rg BT 439.98 526.10 Td (, the impact to Citi) Tj ET Q q 0 0 0 rg BT 517.47 526.10 Td (s results of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 514.10 Td (operations as a result of the February 17th announcement is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 502.10 Td (not yet certain. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (Russia) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 466.10 Td (During 2015, political events led to the imposition of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 454.10 Td (international sanctions against Russia \(as well as Russian ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (entities, business sectors, individuals or otherwise\). ) Tj ET Q q 0 0 0 rg BT 527.34 442.10 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (ongoing sanctions, coupled with lower oil and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.10 Td (commodity prices, particularly during the second half of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.10 Td (2015, have had a significant impact on Russia) Tj ET Q q 0 0 0 rg BT 503.63 406.10 Td (s economy) Tj ET Q q 0 0 0 rg BT 546.02 406.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (and could continue to do so. During 2015, the Russian ruble ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (depreciated by 22% against the U.S. dollar) Tj ET Q q 0 0 0 rg BT 487.51 382.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 330.50 370.10 Td (Citibank operates in Russia through a subsidiary) Tj ET Q q 0 0 0 rg BT 523.71 370.10 Td (, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 Td (uses the Russian ruble as its functional currency) Tj ET Q q 0 0 0 rg BT 508.80 358.10 Td (. Citibank) Tj ET Q q 0 0 0 rg BT 551.02 358.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (net investment in Russia was approximately $0.8 billion at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 Td (December 31, 2015, compared to $0.9 billion at September ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 Td (30, 2015 and $1.1 billion at December 31, 2014. ) Tj ET Q q 0 0 0 rg BT 512.80 322.10 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 310.10 Td (December 31, 2015, substantially all of Citibank) Tj ET Q q 0 0 0 rg BT 514.18 310.10 Td (s net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (investment was hedged \(subject to related tax adjustments\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (using forward foreign exchange contracts. ) Tj ET Q q 0 0 0 rg BT 487.86 286.10 Td (T) Tj ET Q q 0 0 0 rg BT 493.27 286.10 Td (otal third-party ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (assets of the Russian Citibank subsidiary were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.10 Td (approximately $5.0 billion as of December 31, 2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 Td (unchanged from September 30, 2015 and compared to $6.1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 238.10 Td (billion at December 31, 2014. ) Tj ET Q q 0 0 0 rg BT 438.73 238.10 Td (These assets were primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.10 Td (composed of corporate and consumer loans, Russian ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 Td (government debt securities, and cash on deposit with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.10 Td (Central Bank of Russia. ) Tj ET Q q 0 0 0 rg BT 414.86 202.10 Td (The lar) Tj ET Q q 0 0 0 rg BT 443.27 202.10 Td (ge majority of these assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.10 Td (were funded by local deposits. \(For additional information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 178.10 Td (on Citi) Tj ET Q q 0 0 0 rg BT 347.28 178.10 Td (s exposures related to Russia, see Emer) Tj ET Q q 0 0 0 rg BT 509.00 178.10 Td (ging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 166.10 Td (Markets Exposures above.\) ) Tj ET Q endstream endobj 235 0 obj <> endobj 236 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 33.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 33.60 Td (15) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (FFIECCr) Tj ET Q q 0 0 0 rg BT 87.48 749.25 Td (oss-Border) Tj ET Q q 0 0 0 rg BT 133.96 749.25 Td ( Claims on ) Tj ET Q q 0 0 0 rg BT 181.84 749.25 Td (Third Parties and Local ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Country ) Tj ET Q q 0 0 0 rg BT 74.06 737.25 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 725.25 Td (s cross-border disclosures are based on the country ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (exposure bank regulatory reporting guidelines of the Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (Financial Institutions Examination Council \(FFIEC\), as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (revised in December 2013. ) Tj ET Q q 0 0 0 rg BT 146.06 689.25 Td (The following summarizes some of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (the FFIEC key reporting guidelines:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 659.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 659.25 Td (Amounts are based on the domicile of the ultimate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 647.25 Td (obligor) Tj ET Q q 0 0 0 rg BT 82.49 647.25 Td (, counterparty) Tj ET Q q 0 0 0 rg BT 137.37 647.25 Td (, collateral, issuer or guarantor) Tj ET Q q 0 0 0 rg BT 259.14 647.25 Td (, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 635.25 Td (applicable. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 623.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 623.25 Td (Amounts do not consider the benefit of collateral received ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 611.25 Td (for securities financing transactions \(i.e., repurchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 599.25 Td (agreements, reverse repurchase agreements and securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 587.25 Td (loaned and borrowed\) and are reported based on notional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 575.25 Td (amounts. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 563.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 563.25 Td (Netting of derivatives receivables and payables, reported ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 551.25 Td (at fair value, is permitted, but only under a legally binding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 539.25 Td (netting agreement with the same specific counterparty) Tj ET Q q 0 0 0 rg BT 269.93 539.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 527.25 Td (and does not include the benefit of mar) Tj ET Q q 0 0 0 rg BT 210.16 527.25 Td (gin received or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 515.25 Td (hedges.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 503.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 503.25 Td (The netting of long and short positions for ) Tj ET Q q 0 0 0 rg BT 225.09 503.25 Td (AFS securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 491.25 Td (and trading portfolios is not permitted. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 479.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 479.25 Td (Credit default swaps \(CDS\) are included based on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 467.25 Td (gross notional amount sold and purchased and do not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 455.25 Td (include any of) Tj ET Q q 0 0 0 rg BT 111.02 455.25 Td (fsetting CDS on the same underlying entity) Tj ET Q q 0 0 0 rg BT 283.68 455.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 443.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 443.25 Td (Loans are reported without the benefit of hedges.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 419.25 Td (Given the requirements noted above, Citi) Tj ET Q q 0 0 0 rg BT 221.73 419.25 Td (s FFIEC cross-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 407.25 Td (border exposures and total outstandings tend to fluctuate, in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 395.25 Td (some cases, significantly) Tj ET Q q 0 0 0 rg BT 135.05 395.25 Td (, from period to period. ) Tj ET Q q 0 0 0 rg BT 230.31 395.25 Td (As an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 383.25 Td (example, because total outstandings under FFIEC guidelines ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 371.25 Td (do not include the benefit of mar) Tj ET Q q 0 0 0 rg BT 166.89 371.25 Td (gin or hedges, market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 359.25 Td (volatility in interest rates, foreign exchange rates and credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 347.25 Td (spreads may cause significant fluctuations in the level of total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 335.25 Td (outstandings, all else being equal.) Tj ET Q endstream endobj 237 0 obj <> endobj 238 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 33.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 33.60 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (The tables below set forth each country whose total outstandings exceeded 0.75% of total Citigroup assets:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 677.60 58.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 677.60 32.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 677.60 33.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 677.60 38.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 677.60 67.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 677.60 42.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 677.60 49.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 677.60 60.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 677.60 60.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 677.60 52.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 677.60 49.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 643.60 58.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 643.60 32.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 643.60 33.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 643.60 38.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 643.60 67.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 643.60 42.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 643.60 49.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 643.60 60.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 643.60 60.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 643.60 52.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 643.60 49.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 607.60 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 607.60 32.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 607.60 33.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 607.60 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 607.60 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 607.60 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 607.60 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 607.60 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 607.60 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 607.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 607.60 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 582.60 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 582.60 32.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 582.60 33.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 582.60 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 582.60 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 582.60 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 582.60 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 582.60 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 582.60 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 582.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 582.60 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 555.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 555.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 555.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 555.60 38.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 555.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 555.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 555.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 555.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 555.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 555.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 555.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 530.60 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 530.60 32.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 530.60 33.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 530.60 38.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 530.60 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 530.60 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 530.60 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 530.60 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 530.60 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 530.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 530.60 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 505.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 505.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 505.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 505.60 38.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 505.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 505.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 505.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 505.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 505.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 505.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 505.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 481.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 481.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 481.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 481.60 38.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 481.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 481.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 481.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 481.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 481.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 481.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 481.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 457.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 457.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 457.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 457.60 38.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 457.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 457.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 457.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 457.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 457.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 457.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 457.60 49.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 93.5 726.6 m 125.5 726.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 93.5 714.6 m 125.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 726.6 m 158.5 726.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 714.6 m 158.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 158.5 726.6 m 196.5 726.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 158.5 714.6 m 196.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 726.6 m 263.5 726.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 714.6 m 263.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 726.6 m 305.5 726.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 714.6 m 305.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 726.6 m 354.5 726.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 714.6 m 354.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 726.6 m 414.5 726.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 714.6 m 414.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 726.6 m 474.5 726.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 714.6 m 474.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 726.6 m 526.5 726.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 714.6 m 526.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 726.6 m 575.5 726.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 714.6 m 575.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 677.6 m 93.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 93.5 714.6 m 125.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 93.5 677.6 m 125.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 714.6 m 158.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 677.6 m 158.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 158.5 714.6 m 196.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 158.5 677.6 m 196.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 714.6 m 263.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 677.6 m 263.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 714.6 m 305.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 677.6 m 305.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 714.6 m 354.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 677.6 m 354.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 714.6 m 414.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 677.6 m 414.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 677.6 m 474.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 677.6 m 526.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 677.6 m 575.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 433.6 m 93.5 433.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 93.5 433.6 m 125.5 433.6 l s 0 0 0 RG /GS0 gs 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681.94 Td (\(sum of \(a\)\)) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 418.25 698.94 Td (Commitments) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 436.05 690.44 Td ( and ) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 420.90 681.94 Td (guarantees) Tj ET Q BT /F2 8.50 Tf ET BT /F2 5.52 Tf ET q 0 0 0 rg BT 460.56 685.79 Td (\(4\)) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 488.25 698.94 Td (Cr) Tj ET Q q 0 0 0 rg BT 498.01 698.94 Td (edit ) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 480.15 690.44 Td (derivatives ) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 477.95 681.94 Td (pur) Tj ET Q q 0 0 0 rg BT 491.02 681.94 Td (chased) Tj ET Q BT /F2 8.50 Tf ET BT /F2 5.52 Tf ET q 0 0 0 rg BT 515.58 685.79 Td (\(5\)) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 538.75 698.94 Td (Cr) Tj ET Q q 0 0 0 rg BT 548.51 698.94 Td (edit ) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 530.65 690.44 Td (derivatives ) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 539.95 681.94 Td (sold) Tj ET Q BT /F2 8.50 Tf ET BT /F2 5.52 Tf ET q 0 0 0 rg BT 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9.00 Tf ET q 0 0 0 rg BT 290.75 560.05 Td (5.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 560.05 Td (26.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 560.05 Td (35.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.75 560.05 Td (4.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.25 560.05 Td (11.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.25 560.05 Td (12.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 547.00 Td (India) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.75 547.00 Td (6.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 139.25 547.00 Td (12.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.75 547.00 Td (3.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.25 547.00 Td (12.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 547.00 Td (5.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 547.00 Td (24.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 547.00 Td (35.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.75 547.00 Td (7.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.75 547.00 Td (2.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 560.75 547.00 Td (1.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 535.00 Td (Singapore) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.75 535.00 Td (2.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 139.25 535.00 Td (12.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.75 535.00 Td (2.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.25 535.00 Td (14.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 535.00 Td (0.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 535.00 Td (22.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 535.00 Td (31.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.25 535.00 Td (13.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.75 535.00 Td (1.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 560.75 535.00 Td (1.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 522.00 Td (Australia) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.75 522.00 Td (6.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 143.75 522.00 Td (6.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.75 522.00 Td (3.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.25 522.00 Td (15.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 522.00 Td (4.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.75 522.00 Td (9.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 522.00 Td (31.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.25 522.00 Td (11.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.25 522.00 Td (25.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.25 522.00 Td (24.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 509.00 Td (Netherlands) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.75 509.00 Td (5.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 139.25 509.00 Td (10.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.75 509.00 Td (8.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.75 509.00 Td (6.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 509.00 Td (2.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 509.00 Td (12.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 509.00 Td (30.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.75 509.00 Td (8.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.25 509.00 Td (27.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.25 509.00 Td (27.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 497.00 Td (Brazil) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.75 497.00 Td (4.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 143.75 497.00 Td (9.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.75 497.00 Td (1.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.25 497.00 Td (14.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 497.00 Td (3.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 497.00 Td (17.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 497.00 Td (28.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.75 497.00 Td (4.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.25 497.00 Td (12.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.25 497.00 Td (10.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 485.00 Td (Hong Kong) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.75 485.00 Td (1.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 143.75 485.00 Td (7.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.75 485.00 Td (3.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.25 485.00 Td (15.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 485.00 Td (3.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 485.00 Td (19.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 485.00 Td (28.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.25 485.00 Td (12.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.75 485.00 Td (2.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 560.75 485.00 Td (1.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 473.00 Td (Switzerland) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.75 473.00 Td (5.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 139.25 473.00 Td (16.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.75 473.00 Td (1.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.75 473.00 Td (4.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 473.00 Td (0.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 473.00 Td (19.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 473.00 Td (27.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.75 473.00 Td (5.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.25 473.00 Td (21.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.25 473.00 Td (22.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 461.00 Td (Canada) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.75 461.00 Td (5.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 143.75 461.00 Td (4.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.75 461.00 Td (5.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.75 461.00 Td (6.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 461.00 Td (2.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.75 461.00 Td (9.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 461.00 Td (21.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.25 461.00 Td (12.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.75 461.00 Td (7.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 560.75 461.00 Td (8.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 449.00 Td (Taiwan) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.75 449.00 Td (2.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 143.75 449.00 Td (5.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.75 449.00 Td (2.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.75 449.00 Td (9.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 449.00 Td (1.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.25 449.00 Td (11.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 449.00 Td (19.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.25 449.00 Td (12.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.75 449.00 Td (0.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 560.75 449.00 Td (0.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 437.00 Td (Italy) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 110.75 437.00 Td (2.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 139.25 437.00 Td (11.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.75 437.00 Td (0.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.75 437.00 Td (1.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 437.00 Td (6.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.75 437.00 Td (8.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 437.00 Td (16.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.75 437.00 Td (3.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.25 437.00 Td (69.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.25 437.00 Td (67.0) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 362.60 58.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 362.60 32.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 362.60 33.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 362.60 37.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 362.60 68.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 362.60 42.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 362.60 46.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 362.60 60.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 362.60 60.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 362.60 55.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 362.60 49.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 328.60 58.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 328.60 32.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 328.60 33.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 328.60 37.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 328.60 68.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 328.60 42.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 328.60 46.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 328.60 60.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 328.60 60.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 328.60 55.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 328.60 49.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 292.60 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 292.60 32.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 292.60 33.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 292.60 37.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 292.60 68.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 292.60 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 292.60 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 292.60 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 292.60 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 292.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 292.60 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 267.60 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 267.60 32.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 267.60 33.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 267.60 37.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 267.60 68.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 267.60 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 267.60 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 267.60 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 267.60 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 267.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 267.60 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 240.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 240.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 240.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 240.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 240.60 68.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 240.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 240.60 46.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 240.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 240.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 240.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 240.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 215.60 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 215.60 32.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 215.60 33.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 215.60 37.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 215.60 68.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 215.60 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 215.60 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 215.60 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 215.60 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 215.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 215.60 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 190.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 190.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 190.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 190.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 190.60 68.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 190.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 190.60 46.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 190.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 190.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 190.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 190.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 166.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 166.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 166.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 166.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 166.60 68.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 166.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 166.60 46.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 166.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 166.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 166.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 166.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 142.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 93.50 142.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 125.50 142.60 33.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 142.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 142.60 68.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 142.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 142.60 46.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 142.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 142.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 142.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 142.60 49.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 93.5 411.6 m 125.5 411.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 93.5 399.6 m 125.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 411.6 m 158.5 411.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 399.6 m 158.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 158.5 411.6 m 195.5 411.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 158.5 399.6 m 195.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 411.6 m 263.5 411.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 399.6 m 263.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 411.6 m 305.5 411.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 399.6 m 305.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 411.6 m 351.5 411.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 399.6 m 351.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 411.6 m 411.5 411.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 399.6 m 411.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 411.6 m 471.5 411.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 399.6 m 471.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 411.6 m 526.5 411.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 399.6 m 526.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 411.6 m 575.5 411.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 399.6 m 575.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 362.6 m 93.5 362.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 93.5 399.6 m 125.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 93.5 362.6 m 125.5 362.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 399.6 m 158.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 125.5 362.6 m 158.5 362.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 158.5 399.6 m 195.5 399.6 l s 0 0 0 RG /GS0 gs 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9.00 Tf ET q 0 0 0 rg BT 332.25 311.06 Td (35.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 311.06 Td (48.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 311.06 Td (2.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 311.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 311.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 297.05 Td (Germany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 106.25 297.06 Td (12.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.25 297.06 Td (17.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.75 297.06 Td (5.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 297.06 Td (6.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 297.06 Td (7.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 297.06 Td (15.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 297.06 Td (41.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 297.06 Td (10.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.25 297.06 Td (80.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 297.06 Td (81.0) 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392.25 219.86 Td (33.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 219.86 Td (10.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 219.86 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 219.86 Td (1.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 207.00 Td (Australia) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 110.75 206.86 Td (8.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 143.75 206.86 Td (5.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.75 206.86 Td (3.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.25 206.86 Td (16.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 206.86 Td (6.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 206.86 Td (12.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 206.86 Td (33.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 206.86 Td (10.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.25 206.86 Td (12.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 206.86 Td (11.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 194.00 Td (Netherlands) Tj ET Q BT 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9.00 Tf ET q 0 0 0 rg BT 248.75 145.86 Td (7.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 145.86 Td (4.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 145.86 Td (11.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 145.86 Td (24.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 145.86 Td (13.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 145.86 Td (6.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 145.86 Td (7.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 134.00 Td (Taiwan) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 110.75 133.86 Td (1.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 143.75 133.86 Td (6.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.75 133.86 Td (1.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 133.86 Td (9.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 133.86 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.25 133.86 Td (13.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 133.86 Td (19.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 133.86 Td (13.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 133.86 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 133.86 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 122.00 Td (Italy) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 110.75 121.86 Td (2.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.25 121.86 Td (12.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.75 121.86 Td (0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 121.86 Td (0.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 121.86 Td (4.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.75 121.86 Td (5.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 121.86 Td (15.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 121.86 Td (3.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.25 121.86 Td (71.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 121.86 Td (68.2) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 99.90 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 99.90 Td (Non-bank financial institutions.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 90.30 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 90.30 Td (Included in total outstanding.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 80.70 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 80.70 Td (T) Tj ET Q q 0 0 0 rg BT 58.33 80.70 Td (otal outstanding includes cross-border claims on third parties, as well as local country assets. Cross-border claims on third parties include cross-border loans, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 71.10 Td (securities, deposits with banks and other monetary assets, as well as net revaluation gains on foreign exchange and derivative products.) 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Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 721.70 Td (\(5\) ) Tj ET Q q 0 0 0 rg BT 54.00 721.70 Td (CDS are not included in total outstanding. ) Tj ET Q endstream endobj 241 0 obj <> endobj 242 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 33.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 33.60 Td (18) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (COMPLIANCE, CONDUCT) Tj ET Q q 0 0 0 rg BT 185.78 747.90 Td ( ) Tj ET Q q 0 0 0 rg BT 188.12 747.90 Td (AND LEGAL) Tj ET Q q 0 0 0 rg BT 258.47 747.90 Td ( ) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 733.50 Td (RISK) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 709.50 Td (COMPLIANCE RISK) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 685.50 Td (Compliance Risk ) Tj ET Q q 0 0 0 rg BT 111.01 685.50 Td (Appetite Framework ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 673.50 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 673.50 Td (s compliance risk appetite framework outlines Citi) Tj ET Q q 0 0 0 rg BT 258.73 673.50 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 661.50 Td (compliance risk appetite, how Citi manages its adherence to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 649.50 Td (its compliance risk appetite and how Citi evaluates the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 637.50 Td (ef) Tj ET Q q 0 0 0 rg BT 43.59 637.50 Td (fectiveness of its controls for managing compliance risks. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 625.50 Td (This framework is comprised of three pillars:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 607.50 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 607.50 Td (Setting risk appetite) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.99 607.50 Td (: Citi establishes its compliance risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 595.50 Td (appetite by setting limits on the types of business in which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 583.50 Td (Citi will engage, the products and services Citi will of) Tj ET Q q 0 0 0 rg BT 269.89 583.50 Td (fer) Tj ET Q q 0 0 0 rg BT 280.59 583.50 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 571.50 Td (the types of customers which Citi will service, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 559.50 Td (counterparties with which Citi will deal, and the locations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 547.50 Td (where Citi will do business. ) Tj ET Q q 0 0 0 rg BT 170.20 547.50 Td (These limits are guided by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 535.50 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 535.50 Td (s mission and value proposition and the principle of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 523.50 Td (responsible finance, Citi) Tj ET Q q 0 0 0 rg BT 154.25 523.50 Td (s adherence to relevant standards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 511.50 Td (of conduct, as well as to relevant and applicable laws, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 499.50 Td (rules, regulations, and Citi) Tj ET Q q 0 0 0 rg BT 162.59 499.50 Td (s internal policies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 487.50 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 487.50 Td (Adhering to risk appetite) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.71 487.50 Td (: Citi manages adherence to its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 475.50 Td (compliance risk appetite through the execution of its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 463.50 Td (compliance program, which includes governance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 451.50 Td (arrangements, a policy framework, customer onboarding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 439.50 Td (and maintenance processes, product development ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 427.50 Td (processes, transaction and communication surveillance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 415.50 Td (processes, conduct- and culture-related programs, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 403.50 Td (monitoring regulatory changes, and new products, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 391.50 Td (services, and complex transactions approval processes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 379.50 Td (At Citi, it is the responsibility of each employee to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 367.50 Td (escalate breaches of the compliance risk appetite in a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 355.50 Td (timely manner) Tj ET Q q 0 0 0 rg BT 111.49 355.50 Td (.) 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Citi also relies on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 271.50 Td (compliance risk assessments; a policy framework; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 259.50 Td (compliance testing and monitoring processes; compliance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 247.50 Td (metrics related to key operating risks, key risk indicators, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 235.50 Td (and control-ef) Tj ET Q q 0 0 0 rg BT 110.18 235.50 Td (fectiveness indicators; and Internal ) Tj ET Q q 0 0 0 rg BT 251.80 235.50 Td (Audit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 223.50 Td (examinations and reports.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 199.50 Td (Compliance Pr) Tj ET Q q 0 0 0 rg BT 99.97 199.50 Td (ogram) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 187.50 Td (Compliance aims to operate Citi) Tj ET Q q 0 0 0 rg BT 168.19 187.50 Td (s compliance risk appetite ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 175.50 Td (and thus minimize, mitigate or manage compliance risks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 163.50 Td (through Citi) Tj ET Q q 0 0 0 rg BT 87.39 163.50 Td (s compliance program. ) Tj ET Q q 0 0 0 rg BT 183.57 163.50 Td (T) Tj ET Q q 0 0 0 rg BT 188.98 163.50 Td (o achieve this mission, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 151.50 Td (Compliance seeks to:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 133.50 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 133.50 Td (Understand the r) Tj ET Q q 0 0 0 rg BT 121.96 133.50 Td (egulatory envir) Tj ET Q q 0 0 0 rg BT 182.96 133.50 Td (onment, r) Tj ET Q q 0 0 0 rg BT 220.92 133.50 Td (equir) Tj ET Q q 0 0 0 rg BT 241.66 133.50 Td (ements and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 121.50 Td (expectations to which Citi) Tj ET Q q 0 0 0 rg BT 160.19 121.50 Td (s activities ar) Tj ET Q q 0 0 0 rg BT 213.70 121.50 Td (e subject) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.97 121.50 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 109.50 Td (Compliance coordinates with Legal and other independent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 97.50 Td (control functions, as appropriate, to identify) Tj ET Q q 0 0 0 rg BT 229.14 97.50 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 85.50 Td (communicate and document key regulatory requirements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 73.50 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 73.50 Td (Assess the compliance risks of business activities and the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 61.50 Td (state of mitigating contr) Tj ET Q q 0 0 0 rg BT 150.02 61.50 Td (ols, including the risks and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 49.50 Td (contr) Tj ET Q q 0 0 0 rg BT 74.74 49.50 Td (ols in legal entities in which activity is conducted) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.92 49.50 Td (. ) Tj ET Q q 0 0 0 rg BT 276.74 49.50 Td (T) Tj ET Q q 0 0 0 rg BT 282.15 49.50 Td (o ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (facilitate the identification and assessment of compliance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 737.10 Td (risk, Compliance works with the businesses and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 725.10 Td (independent control functions to review significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 713.10 Td (compliance and regulatory issues and the results of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 701.10 Td (testing, monitoring, and internal and external exams and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 689.10 Td (audits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 677.10 Td (Define Citi) Tj ET Q q 0 0 0 rg BT 388.20 677.10 Td (s appetite, in conjunction with Citigoup) Tj ET Q q 0 0 0 rg BT 548.57 677.10 Td (s ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 665.10 Td (Boar) Tj ET Q q 0 0 0 rg BT 361.63 665.10 Td (d of Dir) Tj ET Q q 0 0 0 rg BT 392.93 665.10 Td (ectors and senior management, for prudent ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 653.10 Td (compliance and r) Tj ET Q q 0 0 0 rg BT 411.61 653.10 Td (egulatory risk consistent with its cultur) Tj ET Q q 0 0 0 rg BT 567.63 653.10 Td (e ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 641.10 Td (of compliance, contr) Tj ET Q q 0 0 0 rg BT 424.11 641.10 Td (ol and r) Tj ET Q q 0 0 0 rg BT 455.41 641.10 Td (esponsible finance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.56 641.10 Td (. ) Tj ET Q q 0 0 0 rg BT 536.51 641.10 Td (As noted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 629.10 Td (above, Citi has developed a compliance risk appetite ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 617.10 Td (framework that is designed to minimize, mitigate or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 605.10 Td (manage compliance risk.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 593.10 Td (Develop contr) Tj ET Q q 0 0 0 rg BT 398.55 593.10 Td (ols and execute pr) Tj ET Q q 0 0 0 rg BT 471.21 593.10 Td (ograms r) Tj ET Q q 0 0 0 rg BT 507.24 593.10 Td (easonably ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 581.10 Td (designed to pr) Tj ET Q q 0 0 0 rg BT 398.85 581.10 Td (omote conduct that is consistent with Citi) Tj ET Q q 0 0 0 rg BT 566.43 581.10 Td (s ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 569.10 Td (compliance risk appetite and pr) Tj ET Q q 0 0 0 rg BT 468.83 569.10 Td (omptly detect and mitigate ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 557.10 Td (behavior that is inconsistent with this appetite) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.43 557.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 545.10 Td (Compliance has product-related compliance functions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 533.10 Td (namely the corporate compliance group and compliance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 521.10 Td (programs for ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 396.43 521.10 Td (Global Consumer Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.65 521.10 Td ( and the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 509.10 Td (Institutional Clients Gr) Tj ET Q q 0 0 0 rg BT 434.97 509.10 Td (oup) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.97 509.10 Td (. Compliance also has regional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 497.10 Td (programs together with thematic groups and programs, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 485.10 Td (such as the conduct, governance and emer) Tj ET Q q 0 0 0 rg BT 510.36 485.10 Td (ging risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 473.10 Td (management group and programs that focus on anti-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 461.10 Td (bribery and corruption, ethics, privacy and sanctions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 449.10 Td (Each of these functions, programs and groups aims to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 437.10 Td (mitigate Citi) Tj ET Q q 0 0 0 rg BT 395.05 437.10 Td (s exposure to conduct that is inconsistent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 425.10 Td (with Citi) Tj ET Q q 0 0 0 rg BT 380.06 425.10 Td (s compliance risk appetite.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 413.10 Td (Detect, r) Tj ET Q q 0 0 0 rg BT 376.61 413.10 Td (eport on, escalate and r) Tj ET Q q 0 0 0 rg BT 471.51 413.10 Td (emediate key compliance ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 401.10 Td (and franchise risks and contr) Tj ET Q q 0 0 0 rg BT 458.85 401.10 Td (ol issues; test contr) Tj ET Q q 0 0 0 rg BT 535.97 401.10 Td (ols for ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 389.10 Td (design and operating effectiveness, pr) Tj ET Q q 0 0 0 rg BT 493.54 389.10 Td (omptly addr) Tj ET Q q 0 0 0 rg BT 541.78 389.10 Td (ess ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 377.10 Td (issues, and track r) Tj ET Q q 0 0 0 rg BT 414.96 377.10 Td (emediation efforts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.45 377.10 Td (. Compliance designs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 365.10 Td (and implements policies, standards, procedures, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 353.10 Td (guidelines, surveillance reports and other solutions for use ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 341.10 Td (by the business and Compliance to promptly detect, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 329.10 Td (address and remediate issues, test controls for design and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 317.10 Td (operating ef) Tj ET Q q 0 0 0 rg BT 389.85 317.10 Td (fectiveness, and track remediation ef) Tj ET Q q 0 0 0 rg BT 536.55 317.10 Td (forts.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 305.10 Td (Engage with the Citigr) Tj ET Q q 0 0 0 rg BT 433.02 305.10 Td (oup Boar) Tj ET Q q 0 0 0 rg BT 470.14 305.10 Td (d, business management, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 293.10 Td (operating committees and Citi) Tj ET Q q 0 0 0 rg BT 465.42 293.10 Td (s r) Tj ET Q q 0 0 0 rg BT 475.33 293.10 Td (egulators to foster ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 281.10 Td (effective global governance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.51 281.10 Td (. Compliance provides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 269.10 Td (regular reports on emer) Tj ET Q q 0 0 0 rg BT 435.39 269.10 Td (ging risks and other issues and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 257.10 Td (their implications for Citi, as well as the performance of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 245.10 Td (the compliance program, to the Citigroup Board of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 233.10 Td (Directors, including the ) Tj ET Q q 0 0 0 rg BT 438.65 233.10 Td (Audit and Ethics and Culture ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 221.10 Td (Committees, as well as other committees of the Board. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 209.10 Td (Compliance also engages with business management on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 197.10 Td (an ongoing basis through various mechanisms, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 185.10 Td (governance committees, and supports and advises the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 173.10 Td (businesses and other global functions in managing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 161.10 Td (regulatory relationships.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 149.10 Td (Advise and train Citi personnel acr) Tj ET Q q 0 0 0 rg BT 483.01 149.10 Td (oss businesses, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 137.10 Td (functions, r) Tj ET Q q 0 0 0 rg BT 387.19 137.10 Td (egions and legal entities in how to comply with ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 125.10 Td (laws, r) Tj ET Q q 0 0 0 rg BT 368.86 125.10 Td (egulations and other r) Tj ET Q q 0 0 0 rg BT 457.65 125.10 Td (elevant standar) Tj ET Q q 0 0 0 rg BT 519.22 125.10 Td (ds of conduct) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 572.54 125.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 113.10 Td (Compliance helps promote a strong culture of compliance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 101.10 Td (and control by increasing awareness and capability across ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 89.10 Td (Citi on key compliance issues through training and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 77.10 Td (communication programs. ) Tj ET Q q 0 0 0 rg BT 451.42 77.10 Td (A) Tj ET Q q 0 0 0 rg BT 458.09 77.10 Td ( fundamental element of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 65.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 359.78 65.10 Td (s culture is the requirement that Citi conduct itself in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 53.10 Td (accordance with the highest standards of ethical behavior) Tj ET Q q 0 0 0 rg BT 570.53 53.10 Td (. ) Tj ET Q endstream endobj 243 0 obj <> endobj 244 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 33.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 33.60 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (Compliance plays a key role in developing company-wide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 737.10 Td (initiatives designed to further embed ethics in Citi) Tj ET Q q 0 0 0 rg BT 257.01 737.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 725.10 Td (culture, such as an interactive course on ethics and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 713.10 Td (leadership for employees, which included training on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 701.10 Td (using an ethical decision-making framework to challenge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 689.10 Td (decisions by Citi) Tj ET Q q 0 0 0 rg BT 124.00 689.10 Td (s businesses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 677.10 Td (Enhance the compliance pr) Tj ET Q q 0 0 0 rg BT 163.32 677.10 Td (ogram) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.43 677.10 Td (. Compliance fulfills its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 665.10 Td (obligation to enhance the compliance program in part by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 653.10 Td (using results from its annual compliance risk assessment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 641.10 Td (to shape annual and multi-year program enhancements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (V) Tj ET Q q 0 0 0 rg BT 42.30 617.10 Td (olcker) Tj ET Q q 0 0 0 rg BT 68.78 617.10 Td ( Compliance Pr) Tj ET Q q 0 0 0 rg BT 135.25 617.10 Td (ogram) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (The ) Tj ET Q q 0 0 0 rg BT 53.87 605.10 Td (V) Tj ET Q q 0 0 0 rg BT 59.80 605.10 Td (olcker rule required Citi to develop and provide for an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (enhanced compliance program reasonably designed to ensure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (and monitor compliance with the rule) Tj ET Q q 0 0 0 rg BT 189.01 581.10 Td (s prohibitions and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (restrictions on proprietary trading and covered fund activities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (and investments. Citi) Tj ET Q q 0 0 0 rg BT 126.00 557.10 Td (s ) Tj ET Q q 0 0 0 rg BT 132.21 557.10 Td (V) Tj ET Q q 0 0 0 rg BT 138.14 557.10 Td (olcker rule of) Tj ET Q q 0 0 0 rg BT 191.82 557.10 Td (fice, which reports to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (business management, has responsibility for overall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (coordination and monitoring under its compliance program, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (including project management and process support, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (providing assistance in coordinating engagement with and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (among Citi) Tj ET Q q 0 0 0 rg BT 83.50 497.10 Td (s second line of defense. For additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (information, see Risk FactorsRegulatory Risks and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (Compliance, Conduct and Legal Risks above. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (CONDUCT) Tj ET Q q 0 0 0 rg BT 86.38 449.10 Td ( RISK) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (Citi manages its exposure to conduct risk through the three ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (lines of defense, as discussed above. Each employee in each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (line of defense is guided by Citi) Tj ET Q q 0 0 0 rg BT 166.53 413.10 Td (s mission and value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (proposition and the principle of responsible finance. Citi) Tj ET Q q 0 0 0 rg BT 267.34 401.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (leadership standards, which are aligned with Citi) Tj ET Q q 0 0 0 rg BT 234.00 389.10 Td (s mission ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (and value proposition, outline Citi) Tj ET Q q 0 0 0 rg BT 175.71 377.10 Td (s expectations of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (employees) Tj ET Q q 0 0 0 rg BT 81.35 365.10 Td ( behavior) Tj ET Q q 0 0 0 rg BT 118.44 365.10 Td (, and employees) Tj ET Q q 0 0 0 rg BT 185.73 365.10 Td ( performance is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (evaluated against those standards. Citi) Tj ET Q q 0 0 0 rg BT 194.30 353.10 Td (s businesses and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (functions are responsible for managing their conduct risks. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (Compliance advises Citi) Tj ET Q q 0 0 0 rg BT 136.54 329.10 Td (s businesses and other functions on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (conduct risks and associated controls. Internal ) Tj ET Q q 0 0 0 rg BT 224.84 317.10 Td (Audit, among ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (other things, assesses the adequacy and ef) Tj ET Q q 0 0 0 rg BT 203.27 305.10 Td (fectiveness of Citi) Tj ET Q q 0 0 0 rg BT 278.80 305.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (management of and controls for conduct risk.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 281.10 Td (In 2015, Citi issued a conduct risk policy to further the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (objectives of its Compliance-led conduct risk program, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (was established in 2014 to enhance Citi) Tj ET Q q 0 0 0 rg BT 197.08 257.10 Td (s culture of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (compliance and control through the management, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (minimization, and mitigation of Citi) Tj ET Q q 0 0 0 rg BT 183.49 233.10 Td (s exposure to conduct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (risk. Citi uses the MCA) Tj ET Q q 0 0 0 rg BT 132.67 221.10 Td ( process to assess the design and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (operation of controls that are utilized to manage the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (institution) Tj ET Q q 0 0 0 rg BT 79.34 197.10 Td (s conduct risks. Citi also manages its conduct risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (through other initiatives, including various culture-related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (ef) Tj ET Q q 0 0 0 rg BT 43.59 173.10 Td (forts.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (LEGAL) Tj ET Q q 0 0 0 rg BT 70.46 149.10 Td ( RISK) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (Citi views legal risk as qualitative in nature because it cannot ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (be reliably estimated or measured based on forecasts rather ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (than actual results using statistical methods and does not lend ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (itself to an appetite expressed through a numerical limit. ) Tj ET Q q 0 0 0 rg BT 263.16 101.10 Td (As ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (such, Citi seeks to manage this risk in accordance with its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (qualitative risk appetite principle, which generally state that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (activities in which Citi engages and the risks those activities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (generate must be consistent with Citi) Tj ET Q q 0 0 0 rg BT 186.81 53.10 Td (s underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (commitment to the principle of responsible finance and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (managed with a goal to eliminate, minimize or mitigate this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (risk, as practicable. ) Tj ET Q q 0 0 0 rg BT 406.01 725.10 Td (T) Tj ET Q q 0 0 0 rg BT 411.42 725.10 Td (o accomplish this goal, legal risk is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (managed in accordance with the overall framework described ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (in greater detail in Managing Global RiskOverview ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (above. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (REPUT) Tj ET Q q 0 0 0 rg BT 357.15 665.10 Td (A) Tj ET Q q 0 0 0 rg BT 363.63 665.10 Td (TIONAL) Tj ET Q q 0 0 0 rg BT 402.53 665.10 Td ( RISK) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 653.10 Td (s reputation is a vital asset in building trust with its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (stakeholders, and Citi is diligent in communicating its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (corporate values, including the importance of protecting Citi) Tj ET Q q 0 0 0 rg BT 568.93 629.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (reputation, to its employees, customers and investors. ) Tj ET Q q 0 0 0 rg BT 542.95 617.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (responsibility for maintaining Citi) Tj ET Q q 0 0 0 rg BT 463.16 605.10 Td (s reputation is shared by all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (employees, who are guided by Citi) Tj ET Q q 0 0 0 rg BT 466.19 593.10 Td (s Code of Conduct. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (Employees are required to exercise sound judgment and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (common sense in every action they take and issues that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (present potential franchise, reputational and/or systemic risks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (are to be appropriately escalated. ) Tj ET Q q 0 0 0 rg BT 460.69 545.10 Td (The business practices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (committees for each of Citi) Tj ET Q q 0 0 0 rg BT 436.19 533.10 Td (s businesses and regions are part ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (of the governance infrastructure Citi has in place to properly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (review business activities, sales practices, product design, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (perceived conflicts of interest and other potential franchise or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (reputational risks that arise in these businesses and regions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (These committees may also raise potential franchise, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (reputational or systemic risks for due consideration by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (business practices committee at the corporate level. ) Tj ET Q q 0 0 0 rg BT 536.70 449.10 Td (All of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (these committees, which are composed of Citi) Tj ET Q q 0 0 0 rg BT 511.45 437.10 Td (s most senior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (executives, provide the guidance necessary for Citi) Tj ET Q q 0 0 0 rg BT 530.87 425.10 Td (s business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (practices to meet the highest standards of professionalism, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (integrity and ethical behavior consistent with Citi) Tj ET Q q 0 0 0 rg BT 524.51 401.10 Td (s mission ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (and value proposition.) Tj ET Q endstream endobj 245 0 obj <> endobj 246 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (120) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (SIGNIFICANT) Tj ET Q q 0 0 0 rg BT 102.50 749.25 Td ( ) Tj ET Q q 0 0 0 rg BT 104.45 749.25 Td (ACCOUNTING POLICIES ) Tj ET Q q 0 0 0 rg BT 226.14 749.25 Td (AND SIGNIFICANT) Tj ET Q q 0 0 0 rg BT 316.80 749.25 Td ( ESTIMA) Tj ET Q q 0 0 0 rg BT 358.01 749.25 Td (TES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 727.25 Td (Note 1 to the Consolidated Financial Statements contains a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 715.25 Td (summary of Citigroup) Tj ET Q q 0 0 0 rg BT 127.66 715.25 Td (s significant accounting policies, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 703.25 Td (including a discussion of recently issued accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 691.25 Td (pronouncements. ) Tj ET Q q 0 0 0 rg BT 106.91 691.25 Td (These policies, as well as estimates made by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 679.25 Td (management, are integral to the presentation of Citi) Tj ET Q q 0 0 0 rg BT 244.82 679.25 Td (s results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 667.25 Td (of operations and financial condition. ) Tj ET Q q 0 0 0 rg BT 188.00 667.25 Td (While all of these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 655.25 Td (policies require a certain level of management judgment and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 643.25 Td (estimates, this section highlights and discusses the significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 631.25 Td (accounting policies that require management to make highly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 619.25 Td (dif) Tj ET Q q 0 0 0 rg BT 46.93 619.25 Td (ficult, complex or subjective judgments and estimates at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 607.25 Td (times regarding matters that are inherently uncertain and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 595.25 Td (susceptible to change \(see also Risk FactorsOperational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 583.25 Td (Risks above\). Management has discussed each of these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 571.25 Td (significant accounting policies, the related estimates, and its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 559.25 Td (judgments with the ) Tj ET Q q 0 0 0 rg BT 114.61 559.25 Td (Audit Committee of the Citigroup Board ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 547.25 Td (of Directors. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 523.25 Td (V) Tj ET Q q 0 0 0 rg BT 42.30 523.25 Td (aluations of Financial Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 511.25 Td (Citigroup holds debt and equity securities, derivatives, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 499.25 Td (retained interests in securitizations, investments in private ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 487.25 Td (equity and other financial instruments. Substantially all of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 475.25 Td (these assets and liabilities are reflected at fair value on Citi) Tj ET Q q 0 0 0 rg BT 274.24 475.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 463.25 Td (Consolidated Balance Sheet.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 451.25 Td (Citi purchases securities under agreements to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 439.25 Td (resell \(reverse repos\) and sells securities under agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 427.25 Td (to repurchase \(repos\), a majority of which are carried at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 415.25 Td (fair value. In addition, certain loans, short-term borrowings, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 403.25 Td (long-term debt and deposits, as well as certain securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 391.25 Td (borrowed and loaned positions that are collateralized with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 379.25 Td (cash, are carried at fair value. Citigroup holds its investments, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 367.25 Td (trading assets and liabilities, and resale and repurchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 355.25 Td (agreements on the Consolidated Balance Sheet to meet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 343.25 Td (customer needs and to manage liquidity needs, interest rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 331.25 Td (risks and private equity investing.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 319.25 Td (When available, Citi generally uses quoted market prices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 307.25 Td (to determine fair value and classifies such items within Level ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 295.25 Td (1 of the fair value hierarchy established under ) Tj ET Q q 0 0 0 rg BT 221.48 295.25 Td (ASC 820-10,) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 274.27 295.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 283.25 Td (Fair V) Tj ET Q q 0 0 0 rg BT 61.28 283.25 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 111.18 283.25 Td (ement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.05 283.25 Td (. If quoted market prices are not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 271.25 Td (available, fair value is based upon internally developed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 259.25 Td (valuation models that use, where possible, current market-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 247.25 Td (based or independently sourced market parameters, such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 235.25 Td (interest rates, currency rates and option volatilities. Such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 223.25 Td (models are often based on a discounted cash flow analysis. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 211.25 Td (addition, items valued using such internally generated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 199.25 Td (valuation techniques are classified according to the lowest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 187.25 Td (level input or value driver that is significant to the valuation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 175.25 Td (Thus, an item may be classified under the fair value hierarchy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 163.25 Td (as Level 3 even though there may be some significant inputs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 151.25 Td (that are readily observable.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 139.25 Td (The credit crisis caused some markets to become illiquid, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 127.25 Td (thus reducing the availability of certain observable data used ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 115.25 Td (by Citi) Tj ET Q q 0 0 0 rg BT 66.28 115.25 Td (s valuation techniques. ) Tj ET Q q 0 0 0 rg BT 159.97 115.25 Td (This illiquidity) Tj ET Q q 0 0 0 rg BT 219.05 115.25 Td (, in certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 103.25 Td (markets, continued through 2015. ) Tj ET Q q 0 0 0 rg BT 173.02 103.25 Td (When or if liquidity returns ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 91.25 Td (to these markets, the valuations will revert to using the related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 79.25 Td (observable inputs in verifying internally calculated values. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 67.25 Td (Citi is required to exercise subjective judgments relating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 55.25 Td (to the applicability and functionality of internal valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 727.25 Td (models, the significance of inputs or value drivers to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 715.25 Td (valuation of an instrument, and the degree of illiquidity and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 703.25 Td (subsequent lack of observability in certain markets. ) Tj ET Q q 0 0 0 rg BT 532.09 703.25 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 691.25 Td (judgments have the potential to impact the Company) Tj ET Q q 0 0 0 rg BT 538.12 691.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 679.25 Td (financial performance for instruments where the changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 667.25 Td (fair value are recognized in either the Consolidated Statement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 655.25 Td (of Income or in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 388.42 655.25 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 491.92 655.25 Td (ehensive income ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 643.25 Td (\(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.22 643.25 Td ( \(AOCI\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 631.25 Td (Moreover) Tj ET Q q 0 0 0 rg BT 381.03 631.25 Td (, for certain investments, decreases in fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 619.25 Td (are only recognized in earnings in the Consolidated Statement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 607.25 Td (of Income if such decreases are judged to be an other) Tj ET Q q 0 0 0 rg BT 536.49 607.25 Td (-than-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 595.25 Td (temporary impairment \(OTTI\). ) Tj ET Q q 0 0 0 rg BT 450.07 595.25 Td (Adjudicating the temporary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 583.25 Td (nature of fair value impairments is also inherently judgmental. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 571.25 Td ( ) Tj ET Q q 0 0 0 rg BT 344.32 571.25 Td (The fair value of financial instruments incorporates the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 559.25 Td (ef) Tj ET Q q 0 0 0 rg BT 331.59 559.25 Td (fects of Citi) Tj ET Q q 0 0 0 rg BT 381.58 559.25 Td (s own credit risk and the market view of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 547.25 Td (counterparty credit risk, the quantification of which is also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 535.25 Td (complex and judgmental. For additional information on Citi) Tj ET Q q 0 0 0 rg BT 566.74 535.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 523.25 Td (fair value analysis, see Notes 1, 6, 25 and 26 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 511.25 Td (Consolidated Financial Statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 487.25 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 383.53 487.25 Td ( Cr) Tj ET Q q 0 0 0 rg BT 397.51 487.25 Td (edit Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 475.25 Td (Management provides reserves for an estimate of probable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 463.25 Td (losses inherent in the funded loan portfolio and in unfunded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 451.25 Td (loan commitments and standby letters of credit on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 439.25 Td (Consolidated Balance Sheet in the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 463.69 439.25 Td (Allowance for loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 566.74 439.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 427.25 Td (and in) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 348.72 427.25 Td ( Other liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.83 427.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 467.49 427.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 415.25 Td (Estimates of these probable losses are based upon \(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 403.25 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 365.11 403.25 Td (s internal system of credit-risk ratings, which are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 391.25 Td (analogous to the risk ratings of the major credit rating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 379.25 Td (agencies; and \(ii\) historical default and loss data, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 367.25 Td (rating agency information regarding default rates from 1983 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 355.25 Td (2014, and internal data dating to the early 1970s on severity of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 343.25 Td (losses in the event of default. ) Tj ET Q q 0 0 0 rg BT 442.58 343.25 Td (Adjustments may be made to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 331.25 Td (this data, including \(i\) statistically calculated estimates to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 319.25 Td (cover the historical fluctuation of the default rates over the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 307.25 Td (credit cycle, the historical variability of loss severity among ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 295.25 Td (defaulted loans, and the degree to which there are lar) Tj ET Q q 0 0 0 rg BT 535.39 295.25 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 283.25 Td (obligor concentrations in the global portfolio; and \(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 271.25 Td (adjustments made for specifically known items, such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 259.25 Td (current environmental factors and credit trends.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 247.25 Td (In addition, representatives from both the risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 235.25 Td (management and finance staf) Tj ET Q q 0 0 0 rg BT 440.71 235.25 Td (fs who cover business areas with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 223.25 Td (delinquency-managed portfolios containing smaller balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 211.25 Td (homogeneous loans present their recommended reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 199.25 Td (balances based upon leading credit indicators, including loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 187.25 Td (delinquencies and changes in portfolio size, as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 175.25 Td (economic trends, including housing prices, unemployment and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 163.25 Td (GDP) Tj ET Q q 0 0 0 rg BT 342.90 163.25 Td (. ) Tj ET Q q 0 0 0 rg BT 347.72 163.25 Td (This methodology is applied separately for each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 151.25 Td (individual product within each geographic region in which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 139.25 Td (these portfolios exist.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 127.25 Td (This evaluation process is subject to numerous estimates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 115.25 Td (and judgments. ) Tj ET Q q 0 0 0 rg BT 387.42 115.25 Td (The frequency of default, risk ratings, loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 103.25 Td (recovery rates, the size and diversity of individual lar) Tj ET Q q 0 0 0 rg BT 536.80 103.25 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 91.25 Td (credits, and the ability of borrowers with foreign currency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 79.25 Td (obligations to obtain the foreign currency necessary for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 67.25 Td (orderly debt servicing, among other things, are all taken into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 55.25 Td (account during this review) Tj ET Q q 0 0 0 rg BT 429.71 55.25 Td (. Changes in these estimates could ) Tj ET Q endstream endobj 247 0 obj <> endobj 248 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (121) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (have a direct impact on Citi) Tj ET Q q 0 0 0 rg BT 149.57 749.10 Td (s credit costs and the allowance in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (any period. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 725.10 Td (For a further description of the loan loss reserve and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (related accounts, see Notes 1 and 16 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (Financial Statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (Goodwill) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (Citi tests goodwill for impairment annually on July 1 \(the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (annual test\) and between annual tests \(the interim test\) if an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (event occurs or circumstances change that would more-likely-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (than-not reduce the fair value of a reporting unit below its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (carrying amount, such as a significant adverse change in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (business climate, a decision to sell or dispose of all or a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (significant portion of a reporting unit, or a significant decline ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (in Citi) Tj ET Q q 0 0 0 rg BT 64.06 581.10 Td (s stock price. During 2015, interim tests were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (performed, which resulted in $31 million of total goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (impairment recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 132.35 557.10 Td (Operating expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.50 557.10 Td ( as a result of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (reor) Tj ET Q q 0 0 0 rg BT 51.92 545.10 Td (ganization and disposal of a significant portion of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (reporting unit described in Note 17 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (Financial Statements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 509.10 Td (As of December 31, 2015, Citigroup consists of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (following business segments: ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 156.27 497.10 Td (Global Consumer Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.49 497.10 Td (, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (Institutional Clients Gr) Tj ET Q q 0 0 0 rg BT 128.97 485.10 Td (oup, Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.75 485.10 Td ( and Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (Holdings. Goodwill impairment testing is performed at the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (level below the business segment \(referred to as a reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (unit\). Goodwill is allocated to Citi) Tj ET Q q 0 0 0 rg BT 175.99 449.10 Td (s 1) Tj ET Q q 0 0 0 rg BT 187.01 449.10 Td (1 reporting units at the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (date the goodwill is recorded. Once goodwill has been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (allocated to the reporting units, it generally no longer retains ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (its identification with a particular acquisition, but instead ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (becomes identified with the reporting unit as a whole. ) Tj ET Q q 0 0 0 rg BT 253.17 401.10 Td (As a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (result, all of the fair value of each reporting unit is available to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (support the allocated goodwill. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 365.10 Td (The carrying value used in the impairment test for the 1) Tj ET Q q 0 0 0 rg BT 276.33 365.10 Td (1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (reporting units and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 114.04 353.10 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.82 353.10 Td ( \(together the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (components\) is generally derived by allocating Citigroup) Tj ET Q q 0 0 0 rg BT 275.93 341.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (total stockholders) Tj ET Q q 0 0 0 rg BT 109.41 329.10 Td ( equity to each component as follows: First, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 77.11 317.10 Td (s total ) Tj ET Q q 0 0 0 rg BT 103.60 317.10 Td (T) Tj ET Q q 0 0 0 rg BT 109.01 317.10 Td (angible Common Equity \(TCE\) is allocated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (to each component based on its Basel III risk-weighted assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (and adding back any specifically identified Basel III capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (deductions for each component. Second, once total Citigroup) Tj ET Q q 0 0 0 rg BT 283.44 281.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (TCE is allocated to each component, the reported goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (and intangibles associated with each reporting unit are added ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (to their respective carrying amounts. Lastly) Tj ET Q q 0 0 0 rg BT 209.18 245.10 Td (, any remaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (stockholders) Tj ET Q q 0 0 0 rg BT 89.13 233.10 Td ( equity is allocated to each component based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (its relative allocated ) Tj ET Q q 0 0 0 rg BT 118.84 221.10 Td (TCE. ) Tj ET Q q 0 0 0 rg BT 142.54 221.10 Td (Thus, the combined equity allocated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (to each component is equal to Citigroup) Tj ET Q q 0 0 0 rg BT 198.74 209.10 Td (s total stockholders) Tj ET Q q 0 0 0 rg BT 278.54 209.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (equity) Tj ET Q q 0 0 0 rg BT 60.35 197.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 185.10 Td (Goodwill impairment testing involves management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (judgment, requiring an assessment of whether the carrying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (value of the reporting unit can be supported by the fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (of the individual reporting unit using widely accepted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (valuation techniques, such as the market approach \(earnings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (multiples and/or transaction multiples\) and/or the income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (approach \(discounted cash flow \(DCF\) method\). In applying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (these methodologies, Citi utilizes a number of factors, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (including actual operating results, future business plans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (economic projections, and market data. Citi prepares a formal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (three-year plan for its businesses on an annual basis. ) Tj ET Q q 0 0 0 rg BT 247.98 65.10 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (projections incorporate certain external economic projections ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (developed at the point in time the plan is developed. For the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (purpose of performing any impairment test, the most recent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (three-year forecast available is updated by Citi to reflect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (current economic conditions as of the testing date. Citi uses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (the updated long-range financial forecasts as a basis for its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (annual goodwill impairment test. Management may engage an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (independent valuation specialist to assist in Citi) Tj ET Q q 0 0 0 rg BT 517.31 677.10 Td (s valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (process. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 653.10 Td (Similar to the prior year) Tj ET Q q 0 0 0 rg BT 437.68 653.10 Td (, Citigroup engaged an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (independent valuation specialist in 2015 to assist in Citi) Tj ET Q q 0 0 0 rg BT 550.08 641.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (valuation for most of the reporting units employing both the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (market approach and DCF method. Citi believes that the DCF ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (method, using management projections for the selected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (reporting units and an appropriate risk-adjusted discount rate, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (is most reflective of a market participant) Tj ET Q q 0 0 0 rg BT 488.94 581.10 Td (s view of fair values ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (given current market conditions. For reporting units where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (both methods were utilized in 2015, the resulting fair values ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (were relatively consistent and appropriate weighting was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (given to outputs from both methods.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 521.10 Td (The DCF method used at the time of each impairment test ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (used discount rates that Citi believes adequately reflected the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (risk and uncertainty in the financial markets in the internally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (generated cash flow projections. ) Tj ET Q q 0 0 0 rg BT 455.71 485.10 Td (The DCF method employs a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (capital asset pricing model in estimating the discount rate. Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (continues to value the remaining reporting units where it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (believes the risk of impairment to be low) Tj ET Q q 0 0 0 rg BT 487.48 449.10 Td (, using primarily the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (market approach. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 425.10 Td (Since none of the Company) Tj ET Q q 0 0 0 rg BT 455.87 425.10 Td (s reporting units are publicly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (traded, individual reporting unit fair) Tj ET Q q 0 0 0 rg BT 467.93 413.10 Td (-value determinations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (cannot be directly correlated to Citigroup) Tj ET Q q 0 0 0 rg BT 492.00 401.10 Td (s common stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (price. ) Tj ET Q q 0 0 0 rg BT 348.80 389.10 Td (The sum of the fair values of the reporting units at July ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (1, 2015 exceeded the overall market capitalization of Citi as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (July 1, 2015. However) Tj ET Q q 0 0 0 rg BT 414.42 365.10 Td (, Citi believes that it is not meaningful ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (to reconcile the sum of the fair values of the Company) Tj ET Q q 0 0 0 rg BT 544.49 353.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (reporting units to its market capitalization due to several ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (factors. ) Tj ET Q q 0 0 0 rg BT 356.03 329.10 Td (The market capitalization of Citigroup reflects the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (execution risk in a transaction involving Citigroup due to its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (size. However) Tj ET Q q 0 0 0 rg BT 380.80 305.10 Td (, the individual reporting units) Tj ET Q q 0 0 0 rg BT 504.76 305.10 Td ( fair values are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (not subject to the same level of execution risk or a business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (model that is perceived to be as complex.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td ( See Note 17 to the Consolidated Financial Statements for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (additional information on goodwill, including the changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (the goodwill balance year) Tj ET Q q 0 0 0 rg BT 426.81 245.10 Td (-over) Tj ET Q q 0 0 0 rg BT 447.71 245.10 Td (-year and the reporting unit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (goodwill balances as of December 31, 2015.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 357.98 209.10 Td (T) Tj ET Q q 0 0 0 rg BT 363.73 209.10 Td (axes) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (Overview) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (Citi is subject to the income tax laws of the U.S., its states and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (local municipalities and the foreign jurisdictions in which Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (operates. ) Tj ET Q q 0 0 0 rg BT 362.13 149.10 Td (These tax laws are complex and are subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (dif) Tj ET Q q 0 0 0 rg BT 334.93 137.10 Td (fering interpretations by the taxpayer and the relevant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (governmental taxing authorities. Disputes over interpretations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (of the tax laws may be subject to review and adjudication by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (the court systems of the various tax jurisdictions or may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (settled with the taxing authority upon audit.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 77.10 Td (In establishing a provision for income tax expense, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (must make judgments and interpretations about the application ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (of these inherently complex tax laws. Citi must also make ) Tj ET Q endstream endobj 249 0 obj <> endobj 250 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (122) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (estimates about when in the future certain items will af) Tj ET Q q 0 0 0 rg BT 255.47 749.10 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (taxable income in the various tax jurisdictions, both domestic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (and foreign. Deferred taxes are recorded for the future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (consequences of events that have been recognized in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (financial statements or tax returns, based upon enacted tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (laws and rates. Deferred tax assets \(DT) Tj ET Q q 0 0 0 rg BT 192.08 689.10 Td (As\) are recognized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (subject to management) Tj ET Q q 0 0 0 rg BT 130.97 677.10 Td (s judgment that realization is more-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (likely-than-not.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (DT) Tj ET Q q 0 0 0 rg BT 48.04 641.10 Td (As) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (At December 31, 2015, Citi had recorded net DT) Tj ET Q q 0 0 0 rg BT 231.25 629.10 Td (As of $47.8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (billion. In the fourth quarter of 2015, Citi) Tj ET Q q 0 0 0 rg BT 204.03 617.10 Td (s DT) Tj ET Q q 0 0 0 rg BT 222.95 617.10 Td (As increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td ($600 million, driven by movements in ) Tj ET Q q 0 0 0 rg BT 191.27 605.10 Td (AOCI, partially of) Tj ET Q q 0 0 0 rg BT 264.68 605.10 Td (fset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (by earnings. On a full-year basis, Citi) Tj ET Q q 0 0 0 rg BT 188.74 593.10 Td (s DT) Tj ET Q q 0 0 0 rg BT 207.67 593.10 Td (As decreased $1.5 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (billion from $49.3 billion at December 31, 2014. ) Tj ET Q q 0 0 0 rg BT 233.29 581.10 Td (The decrease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (in total DT) Tj ET Q q 0 0 0 rg BT 79.08 569.10 Td (As year) Tj ET Q q 0 0 0 rg BT 109.70 569.10 Td (-over) Tj ET Q q 0 0 0 rg BT 130.60 569.10 Td (-year was primarily due to the earnings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (in Citicorp and Citi Holdings partially of) Tj ET Q q 0 0 0 rg BT 199.13 557.10 Td (fset by an increase in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (AOCI. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 533.10 Td (Foreign tax credits \(FTCs\) comprised approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td ($15.9 billion of Citi) Tj ET Q q 0 0 0 rg BT 118.23 521.10 Td (s DT) Tj ET Q q 0 0 0 rg BT 137.15 521.10 Td (As as of December 31, 2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (compared to approximately $17.6 billion as of December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 60.82 497.10 Td (The decrease in FTCs year) Tj ET Q q 0 0 0 rg BT 167.80 497.10 Td (-over) Tj ET Q q 0 0 0 rg BT 188.70 497.10 Td (-year was due to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (generation of U.S. taxable income and represented $1.7 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (of the $1.5 billion decrease in Citi) Tj ET Q q 0 0 0 rg BT 175.14 473.10 Td (s overall DT) Tj ET Q q 0 0 0 rg BT 224.32 473.10 Td (As noted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (above, partially of) Tj ET Q q 0 0 0 rg BT 108.85 461.10 Td (fset by the increase in the ) Tj ET Q q 0 0 0 rg BT 212.70 461.10 Td (AOCI-related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (DT) Tj ET Q q 0 0 0 rg BT 48.53 449.10 Td (As. ) Tj ET Q q 0 0 0 rg BT 64.46 449.10 Td (The FTCs carry-forward periods represent the most ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (time-sensitive component of Citi) Tj ET Q q 0 0 0 rg BT 170.15 437.10 Td (s DT) Tj ET Q q 0 0 0 rg BT 189.07 437.10 Td (As. ) Tj ET Q q 0 0 0 rg BT 204.63 437.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 253.96 437.10 Td (, in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (2016, Citi will continue to prioritize reducing the FTC carry-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (forward component of the DT) Tj ET Q q 0 0 0 rg BT 155.16 413.10 Td (As. Secondarily) Tj ET Q q 0 0 0 rg BT 218.39 413.10 Td (, Citi) Tj ET Q q 0 0 0 rg BT 241.17 413.10 Td (s actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (will focus on reducing other DT) Tj ET Q q 0 0 0 rg BT 163.78 401.10 Td (A) Tj ET Q q 0 0 0 rg BT 170.45 401.10 Td ( components and, thereby) Tj ET Q q 0 0 0 rg BT 272.55 401.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (reduce the total DT) Tj ET Q q 0 0 0 rg BT 112.67 389.10 Td (As. Citi) Tj ET Q q 0 0 0 rg BT 146.56 389.10 Td (s DT) Tj ET Q q 0 0 0 rg BT 165.48 389.10 Td (As will decline primarily as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (additional domestic GAAP) Tj ET Q q 0 0 0 rg BT 143.95 377.10 Td ( taxable income is generated.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 365.10 Td (While Citi) Tj ET Q q 0 0 0 rg BT 98.72 365.10 Td (s net total DT) Tj ET Q q 0 0 0 rg BT 152.63 365.10 Td (As decreased year) Tj ET Q q 0 0 0 rg BT 225.16 365.10 Td (-over) Tj ET Q q 0 0 0 rg BT 246.06 365.10 Td (-year) Tj ET Q q 0 0 0 rg BT 266.20 365.10 Td (, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (time remaining for utilization has shortened, given the passage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (of time, particularly with respect to the FTCs component of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (the DT) Tj ET Q q 0 0 0 rg BT 63.25 329.10 Td (As. ) Tj ET Q q 0 0 0 rg BT 78.81 329.10 Td (Although realization is not assured, Citi believes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (that the realization of the recognized net DT) Tj ET Q q 0 0 0 rg BT 212.06 317.10 Td (As of $47.8 billion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (at December 31, 2015 is more-likely-than-not based upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (management) Tj ET Q q 0 0 0 rg BT 89.87 293.10 Td (s expectations as to future taxable income in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (jurisdictions in which the DT) Tj ET Q q 0 0 0 rg BT 152.41 281.10 Td (As arise as well as available tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (planning strategies \(as defined in ) Tj ET Q q 0 0 0 rg BT 170.13 269.10 Td (ASC 740, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 212.08 269.10 Td (Income T) Tj ET Q q 0 0 0 rg BT 248.66 269.10 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.42 269.10 Td (\) that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (would be implemented, if necessary) Tj ET Q q 0 0 0 rg BT 179.47 257.10 Td (, to prevent a carry-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (forward from expiring. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 233.10 Td (Citi has concluded that it has the necessary positive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (evidence to support the full realization of its DT) Tj ET Q q 0 0 0 rg BT 227.92 221.10 Td (As. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (Specifically) Tj ET Q q 0 0 0 rg BT 83.11 209.10 Td (, Citi forecasts suf) Tj ET Q q 0 0 0 rg BT 155.69 209.10 Td (ficient U.S. taxable income in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (the carry-forward periods, exclusive of ) Tj ET Q q 0 0 0 rg BT 193.71 197.10 Td (ASC 740 tax planning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (strategies. Citi) Tj ET Q q 0 0 0 rg BT 96.55 185.10 Td (s forecasted taxable income, which will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (continue to be subject to overall market and global economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (conditions, incorporates geographic business forecasts and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (taxable income adjustments to those forecasts \(e.g., U.S. tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (exempt income, loan loss reserves deductible for U.S. tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (reporting in subsequent years\), and actions intended to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (optimize its U.S. taxable earnings. In general, Citi would need ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (to generate approximately $59 billion of U.S. taxable income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (during the FTCs carry-forward periods to prevent Citi) Tj ET Q q 0 0 0 rg BT 254.56 89.10 Td (s FTCs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (from expiring.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 65.10 Td (In addition to its forecasted U.S. taxable income, Citi has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (tax planning strategies available to it under ) Tj ET Q q 0 0 0 rg BT 210.12 53.10 Td (ASC 740 that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (would be implemented, if necessary) Tj ET Q q 0 0 0 rg BT 467.47 749.10 Td (, to prevent a carry-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (forward from expiring. ) Tj ET Q q 0 0 0 rg BT 418.23 737.10 Td (These strategies include: \(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (repatriating low-taxed foreign source earnings for which an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (assertion that the earnings have been indefinitely reinvested ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (has not been made; \(ii\) accelerating U.S. taxable income into, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (or deferring U.S. tax deductions out of, the latter years of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (carry-forward period \(e.g., selling appreciated assets, electing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (straight-line depreciation\); \(iii\) accelerating deductible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (temporary dif) Tj ET Q q 0 0 0 rg BT 378.52 653.10 Td (ferences outside the U.S.; and \(iv\) selling certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (assets that produce tax-exempt income, while purchasing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (assets that produce fully taxable income. In addition, the sale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (or restructuring of certain businesses can produce significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (U.S. taxable income within the relevant carry-forward periods.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 593.10 Td (Based upon the foregoing discussion, Citi believes the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (U.S. federal and New ) Tj ET Q q 0 0 0 rg BT 412.49 581.10 Td (Y) Tj ET Q q 0 0 0 rg BT 418.71 581.10 Td (ork state and city net operating loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (carry-forward period of 20 years provides enough time to fully ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (utilize the DT) Tj ET Q q 0 0 0 rg BT 378.74 557.10 Td (As pertaining to the existing net operating loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (carry-forwards and any net operating loss that would be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (created by the reversal of the future net deductions that have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (not yet been taken on a tax return.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 509.10 Td (W) Tj ET Q q 0 0 0 rg BT 351.04 509.10 Td (ith respect to the FTCs component of the DT) Tj ET Q q 0 0 0 rg BT 529.65 509.10 Td (As, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (carry-forward period is 10 years. Citi believes that it will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (generate suf) Tj ET Q q 0 0 0 rg BT 372.40 485.10 Td (ficient U.S. taxable income within the 10-year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (carry-forward period to be able to fully utilize the FTCs, in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (addition to any FTCs produced in such period, which must be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (used prior to any carry-forward utilization.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 437.10 Td (For additional information on Citi) Tj ET Q q 0 0 0 rg BT 480.88 437.10 Td (s income taxes, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (including its income tax provision, tax assets and liabilities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (and a tabular summary of Citi) Tj ET Q q 0 0 0 rg BT 446.47 413.10 Td (s net DT) Tj ET Q q 0 0 0 rg BT 480.11 413.10 Td (As balance as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (December 31, 2015 \(including the FTCs and applicable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (expiration dates of the FTCs\), see Note 9 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (Financial Statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (Litigation ) Tj ET Q q 0 0 0 rg BT 368.17 353.10 Td (Accruals) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (See the discussion in Note 28 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (Statements for information regarding Citi) Tj ET Q q 0 0 0 rg BT 492.85 329.10 Td (s policies on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (establishing accruals for litigation and regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (contingencies.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (Accounting Changes and Futur) Tj ET Q q 0 0 0 rg BT 458.01 281.10 Td (e ) Tj ET Q q 0 0 0 rg BT 464.40 281.10 Td (Application of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (Accounting Standards) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (See Note 1 to the Consolidated Financial Statements for a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (discussion of Accounting Changes and the Future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (Application of ) Tj ET Q q 0 0 0 rg BT 383.99 233.10 Td (Accounting Standards.) Tj ET Q endstream endobj 251 0 obj <> endobj 252 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (123) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (DISCLOSURE CONTROLS ) Tj ET Q q 0 0 0 rg BT 186.71 747.90 Td (AND PROCEDURES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 727.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 727.90 Td (s disclosure controls and procedures are designed to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 715.90 Td (ensure that information required to be disclosed under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 703.90 Td (Securities Exchange ) Tj ET Q q 0 0 0 rg BT 119.31 703.90 Td (Act of 1934, as amended, is recorded, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 691.90 Td (processed, summarized and reported within the time periods ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 679.90 Td (specified in the SEC) Tj ET Q q 0 0 0 rg BT 120.71 679.90 Td (s rules and forms, including without ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 667.90 Td (limitation that information required to be disclosed by Citi in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 655.90 Td (its SEC filings is accumulated and communicated to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 643.90 Td (management, including the Chief Executive Of) Tj ET Q q 0 0 0 rg BT 224.65 643.90 Td (ficer \(CEO\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 631.90 Td (and Chief Financial Of) Tj ET Q q 0 0 0 rg BT 127.74 631.90 Td (ficer \(CFO\) as appropriate to allow for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 619.90 Td (timely decisions regarding required disclosure.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 607.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 607.90 Td (s Disclosure Committee assists the CEO and CFO in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 595.90 Td (their responsibilities to design, establish, maintain and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 583.90 Td (evaluate the ef) Tj ET Q q 0 0 0 rg BT 94.12 583.90 Td (fectiveness of Citi) Tj ET Q q 0 0 0 rg BT 169.65 583.90 Td (s disclosure controls and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 571.90 Td (procedures. ) Tj ET Q q 0 0 0 rg BT 84.69 571.90 Td (The Disclosure Committee is responsible for) Tj ET Q q 0 0 0 rg BT 263.42 571.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 559.90 Td (among other things, the oversight, maintenance and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 547.90 Td (implementation of the disclosure controls and procedures, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 535.90 Td (subject to the supervision and oversight of the CEO and CFO.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 523.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 523.90 Td (s management, with the participation of its CEO and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 511.90 Td (CFO, has evaluated the ef) Tj ET Q q 0 0 0 rg BT 139.40 511.90 Td (fectiveness of Citigroup) Tj ET Q q 0 0 0 rg BT 238.27 511.90 Td (s disclosure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 499.90 Td (controls and procedures \(as defined in Rule13a-15\(e\) under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 487.90 Td (the Securities Exchange ) Tj ET Q q 0 0 0 rg BT 134.02 487.90 Td (Act of 1934\) as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.28 487.90 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.87 487.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 475.90 Td (and, based on that evaluation, the CEO and CFO have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 463.90 Td (concluded that at that date Citigroup) Tj ET Q q 0 0 0 rg BT 184.57 463.90 Td (s disclosure controls and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 451.90 Td (procedures were ef) Tj ET Q q 0 0 0 rg BT 111.88 451.90 Td (fective.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 403.90 Td ( ) Tj ET Q endstream endobj 253 0 obj <> endobj 254 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (124) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (MANAGEMENTS ) Tj ET Q q 0 0 0 rg BT 139.67 747.90 Td (ANNUAL) Tj ET Q q 0 0 0 rg BT 190.34 747.90 Td ( REPOR) Tj ET Q q 0 0 0 rg BT 234.92 747.90 Td (T) Tj ET Q q 0 0 0 rg BT 242.71 747.90 Td ( ON INTERNAL) Tj ET Q q 0 0 0 rg BT 329.39 747.90 Td ( CONTROL) Tj ET Q q 0 0 0 rg BT 392.40 747.90 Td ( OVER FINANCIAL) Tj ET Q q 0 0 0 rg BT 500.41 747.90 Td ( REPOR) Tj ET Q q 0 0 0 rg BT 544.99 747.90 Td (TING) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 723.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 723.90 Td (s management is responsible for establishing and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 711.90 Td (maintaining adequate internal control over financial reporting. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 699.90 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 699.90 Td (s internal control over financial reporting is designed to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 687.90 Td (provide reasonable assurance regarding the reliability of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 675.90 Td (financial reporting and the preparation of financial statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 663.90 Td (for external reporting purposes in accordance with U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 651.90 Td (generally accepted accounting principles. Citi) Tj ET Q q 0 0 0 rg BT 221.76 651.90 Td (s internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 639.90 Td (control over financial reporting includes those policies and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 627.90 Td (procedures that \(i\) pertain to the maintenance of records that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 615.90 Td (in reasonable detail accurately and fairly reflect the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 603.90 Td (transactions and dispositions of Citi) Tj ET Q q 0 0 0 rg BT 182.10 603.90 Td (s assets; \(ii\) provide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 591.90 Td (reasonable assurance that transactions are recorded as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 579.90 Td (necessary to permit preparation of financial statements in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 567.90 Td (accordance with generally accepted accounting principles, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 555.90 Td (that Citi) Tj ET Q q 0 0 0 rg BT 71.28 555.90 Td (s receipts and expenditures are made only in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 543.90 Td (accordance with authorizations of Citi) Tj ET Q q 0 0 0 rg BT 191.50 543.90 Td (s management and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 531.90 Td (directors; and \(iii\) provide reasonable assurance regarding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 519.90 Td (prevention or timely detection of unauthorized acquisition, use ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 507.90 Td (or disposition of Citi) Tj ET Q q 0 0 0 rg BT 121.84 507.90 Td (s assets that could have a material ef) Tj ET Q q 0 0 0 rg BT 267.44 507.90 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 495.90 Td (on its financial statements.) 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Such statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 567.90 Td (may be identified by words such as believe, expect, anticipate, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 555.90 Td (intend, estimate, may increase, may fluctuate, and similar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 543.90 Td (expressions or future or conditional verbs such as will, should, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 531.90 Td (would and could.) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 411.90 Td (Any forward-looking statements made by or on behalf of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 399.90 Td (Citigroup speak only as to the date they are made, and Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 387.90 Td (does not undertake to update forward-looking statements to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 375.90 Td (reflect the impact of circumstances or events that arise after ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 363.90 Td (the date the forward-looking statements were made. ) Tj ET Q endstream endobj 257 0 obj <> endobj 258 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (126) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (REPOR) Tj ET Q q 0 0 0 rg BT 77.58 747.90 Td (T) Tj ET Q q 0 0 0 rg BT 85.37 747.90 Td ( OF) Tj ET Q q 0 0 0 rg BT 104.58 747.90 Td ( INDEPENDENT) Tj ET Q q 0 0 0 rg BT 194.71 747.90 Td ( REGISTERED PUBLIC ) Tj ET Q q 0 0 0 rg BT 327.08 747.90 Td (ACCOUNTING FIRM) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 733.50 Td (INTERNAL) Tj ET Q q 0 0 0 rg BT 98.68 733.50 Td ( CONTROL) Tj ET Q q 0 0 0 rg BT 161.70 733.50 Td ( OVER FINANCIAL) Tj ET Q q 0 0 0 rg BT 269.71 733.50 Td ( REPOR) Tj ET Q q 0 0 0 rg BT 314.29 733.50 Td (TING) Tj ET Q /GS0 gs q 72.00 0 0 33.00 36.00 695.50 cm /I31 Do Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 671.50 Td (The Board of Directors and Stockholders ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 659.50 Td (Citigroup Inc.:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 635.50 Td (W) Tj ET Q q 0 0 0 rg BT 44.64 635.50 Td (e have audited Citigroup Inc. and subsidiaries) Tj ET Q q 0 0 0 rg BT 230.23 635.50 Td ( \(the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 623.50 Td (Company or Citigroup\) internal control over financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 611.50 Td (reporting as of December 31, 2015, based on criteria ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 599.50 Td (established in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 93.21 599.50 Td (Internal Contr) Tj ET Q q 0 0 0 rg BT 150.90 599.50 Td (ol-Integrated Framework \(2013\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 587.50 Td (issued by the Committee of Sponsoring Or) Tj ET Q q 0 0 0 rg BT 206.92 587.50 Td (ganizations of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 575.50 Td (T) Tj ET Q q 0 0 0 rg BT 41.76 575.50 Td (readway Commission \(COSO\). ) Tj ET Q q 0 0 0 rg BT 169.34 575.50 Td (The Company) Tj ET Q q 0 0 0 rg BT 229.06 575.50 Td (s management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 563.50 Td (is responsible for maintaining ef) Tj ET Q q 0 0 0 rg BT 165.23 563.50 Td (fective internal control over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 551.50 Td (financial reporting and for its assessment of the ef) Tj ET Q q 0 0 0 rg BT 235.76 551.50 Td (fectiveness ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 539.50 Td (of internal control over financial reporting, included in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 527.50 Td (accompanying management) Tj ET Q q 0 0 0 rg BT 150.68 527.50 Td (s annual report on internal control ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 515.50 Td (over financial reporting. 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Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 324 444.1669921875 m 384.9375 444.1669921875 l s q 0 0 0 rg BT 324.00 445.50 Td (/s/ KPMG LLP) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 433.50 Td (New ) Tj ET Q q 0 0 0 rg BT 345.01 433.50 Td (Y) Tj ET Q q 0 0 0 rg BT 351.23 433.50 Td (ork, New ) Tj ET Q q 0 0 0 rg BT 390.57 433.50 Td (Y) Tj ET Q q 0 0 0 rg BT 396.79 433.50 Td (ork ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 421.50 Td (February 26, 2016) Tj ET Q endstream endobj 261 0 obj <><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><>] /Rotate 0 /Contents 262 0 R>> endobj 262 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (128) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (FINANCIAL) Tj ET Q q 0 0 0 rg BT 103.34 747.90 Td ( ST) Tj ET Q q 0 0 0 rg BT 120.13 747.90 Td (A) Tj ET Q q 0 0 0 rg BT 127.90 747.90 Td (TEMENTS ) Tj ET Q q 0 0 0 rg BT 188.92 747.90 Td (AND NOTES ) Tj ET Q q 0 0 0 rg BT 261.39 747.90 Td (T) Tj ET Q q 0 0 0 rg BT 268.50 747.90 Td (ABLE OF) Tj ET Q q 0 0 0 rg BT 320.40 747.90 Td ( CONTENTS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 720.80 Td (CONSOLIDATED FINANCIAL STATEMENTS) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 268.00 719.86 Td () Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 39.00 705.86 Td (Consolidated Statement of Income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 696.86 Td (For the ) Tj ET Q q 0 0 0 rg BT 75.66 696.86 Td (Y) Tj ET Q q 0 0 0 rg BT 81.26 696.86 Td (ears Ended December 31, 2015, 2014 and 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 682.86 Td (Consolidated Statement of Comprehensive Income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 673.86 Td (For the ) Tj ET Q q 0 0 0 rg BT 75.66 673.86 Td (Y) Tj ET Q q 0 0 0 rg BT 81.26 673.86 Td (ears Ended December 31, 2015, 2014 and 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 659.86 Td (Consolidated Balance SheetDecember 31, 2015 and 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 645.86 Td (Consolidated Statement of Changes in Stockholders Equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 636.86 Td (For the Years Ended December 31, 2015, 2014 and 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 622.86 Td (Consolidated Statement of Cash Flows) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 613.86 Td (For the ) Tj ET Q q 0 0 0 rg BT 75.66 613.86 Td (Y) Tj ET Q q 0 0 0 rg BT 81.26 613.86 Td (ears Ended December 31, 2015, 2014 and 2013) Tj ET Q BT /F1 10.00 Tf ET BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 561.85 Td (NOTES TO CONSOLIDATED FINANCIAL) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 47.00 552.85 Td (STATEMENTS) Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 267.00 552.86 Td () Tj ET Q BT /F1 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 38.00 539.66 Td (Note 1Summary of Significant Accounting Policies) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 525.66 Td (Note 2Discontinued Operations and Significant Disposals) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 511.66 Td (Note 3Business Segments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 497.66 Td (Note 4Interest Revenue and Expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 483.66 Td (Note 5Commissions and Fees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 469.66 Td (Note 6Principal Transactions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 455.66 Td (Note 7Incentive Plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 441.66 Td (Note 8Retirement Benefits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 426.86 Td (Note 9Income Taxes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 413.66 Td (Note 10Earnings per Share) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 399.66 Td (Note 11Federal Funds, Securities Borrowed, Loaned and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 390.66 Td ( Subject to Repurchase Agreements) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 375.86 Td (Note 12Brokerage Receivables and Brokerage Payables) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 362.66 Td (Note 13Trading Account Assets and Liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 348.66 Td (Note 14Investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 334.66 Td (Note 15Loans) Tj ET Q BT /F1 10.00 Tf ET BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 538.66 Td (Note 16Allowance for Credit Losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 524.66 Td (Note 17Goodwill and Intangible Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 510.66 Td (Note 18Debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 496.66 Td (Note 19Regulatory Capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 482.66 Td (Note 20Changes in Accumulated Other Comprehensive) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 473.66 Td ( Income \(Loss\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 459.66 Td (Note 21Preferred Stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 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0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 685.75 m 476.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 685.75 m 575.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 643.75 m 377.5 643.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 643.75 m 476.5 643.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 643.75 m 575.5 643.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 643.75 m 278.5 643.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 629.75 m 278.5 629.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 643.75 m 377.5 643.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 629.75 m 377.5 629.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 643.75 m 476.5 643.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 629.75 m 476.5 629.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 643.75 m 575.5 643.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 629.75 m 575.5 629.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 531.75 m 377.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 531.75 m 476.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 531.75 m 575.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 531.75 m 278.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 517.75 m 278.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 531.75 m 377.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 517.75 m 377.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 531.75 m 476.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 517.75 m 476.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 531.75 m 575.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 517.75 m 575.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 489.75 m 377.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 489.75 m 476.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 489.75 m 575.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 489.75 m 278.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 489.75 m 377.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 475.75 m 377.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 489.75 m 476.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 475.75 m 476.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 489.75 m 575.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 475.75 m 575.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 475.75 m 278.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 461.75 m 278.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 461.75 m 377.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 461.75 m 476.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 461.75 m 575.5 461.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 405.75 m 377.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 405.75 m 476.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 405.75 m 575.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 405.75 m 278.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 391.75 m 278.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 405.75 m 377.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 391.75 m 377.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 405.75 m 476.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 391.75 m 476.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 405.75 m 575.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 391.75 m 575.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 307.75 m 377.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 307.75 m 476.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 307.75 m 575.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 307.75 m 278.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 293.75 m 278.5 293.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 307.75 m 377.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 293.75 m 377.5 293.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 307.75 m 476.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 293.75 m 476.5 293.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 307.75 m 575.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 293.75 m 575.5 293.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 265.75 m 377.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 265.75 m 476.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 265.75 m 575.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 265.75 m 278.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 251.75 m 278.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 265.75 m 377.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 251.75 m 377.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 265.75 m 476.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 251.75 m 476.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 265.75 m 575.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 251.75 m 575.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 195.75 m 377.5 195.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 195.75 m 476.5 195.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 195.75 m 575.5 195.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 195.75 m 278.5 195.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 181.75 m 278.5 181.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 195.75 m 377.5 195.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 181.75 m 377.5 181.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 195.75 m 476.5 195.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 181.75 m 476.5 181.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 195.75 m 575.5 195.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 181.75 m 575.5 181.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 153.75 m 377.5 153.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 153.75 m 476.5 153.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 153.75 m 575.5 153.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 153.75 m 278.5 153.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 139.75 m 278.5 139.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 153.75 m 377.5 153.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 139.75 m 377.5 139.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 153.75 m 476.5 153.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 139.75 m 476.5 139.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 153.75 m 575.5 153.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 139.75 m 575.5 139.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 95.75 m 377.5 95.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 95.75 m 476.5 95.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 95.75 m 575.5 95.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 95.75 m 278.5 95.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 81.75 m 278.5 81.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 95.75 m 377.5 95.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 81.75 m 377.5 81.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 95.75 m 476.5 95.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 81.75 m 476.5 81.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 95.75 m 575.5 95.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 81.75 m 575.5 81.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 67.75 m 278.5 67.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 67.75 m 377.5 67.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 377.5 67.75 m 476.5 67.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 67.75 m 575.5 67.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.80 704.20 Td (Years ended December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 690.00 Td (In millions of dollars, except per share amounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.50 690.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.50 690.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.50 690.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 676.20 Td (Revenues) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 75.50 680.28 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.00 676.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 676.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 676.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 662.21 Td (Interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 662.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.25 662.20 Td (58,551) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 662.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.25 662.21 Td (61,683) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 662.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 662.21 Td (62,970) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 648.21 Td (Interest expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.25 648.20 Td (11,921) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.25 648.21 Td (13,690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 648.21 Td (16,177) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 634.20 Td (Net interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 634.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.25 634.20 Td (46,630) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 634.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.25 634.21 Td (47,993) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 634.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 634.21 Td (46,793) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 620.21 Td (Commissions and fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 620.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.25 620.20 Td (11,848) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 620.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.25 620.21 Td (13,032) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 620.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 620.21 Td (12,941) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 606.21 Td (Principal transactions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 606.20 Td (6,008) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.75 606.21 Td (6,698) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 606.21 Td (7,302) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 592.21 Td (Administration and other fiduciary fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 592.20 Td (3,648) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.75 592.21 Td (4,013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 592.21 Td (4,089) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 578.21 Td (Realized gains on sales of investments, net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.50 578.20 Td (682) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.50 578.21 Td (570) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 578.21 Td (748) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 564.21 Td (Other-than-temporary impairment losses on investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.00 564.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 564.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 564.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 550.21 Td (Gross impairment losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.50 550.20 Td (\(265) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 550.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.50 550.21 Td (\(432) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 550.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 550.21 Td (\(633) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 550.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 536.21 Td (Less: Impairments recognized in AOCI) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.00 536.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 536.21 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 536.21 Td (98) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 522.21 Td (Net impairment \(losses\) recognized in earnings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 522.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.50 522.20 Td (\(265) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 522.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 522.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.50 522.21 Td (\(424) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 522.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 522.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 522.21 Td (\(535) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 522.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 508.21 Td (Insurance premiums) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 508.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 508.20 Td (1,845) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 508.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.75 508.21 Td (2,110) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 508.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 508.21 Td (2,280) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 494.21 Td (Other revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 494.20 Td (5,958) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.75 494.21 Td (3,227) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 494.21 Td (3,106) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 480.20 Td (Total non-interest revenues) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 480.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.25 480.20 Td (29,724) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 480.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.25 480.21 Td (29,226) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 480.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 480.21 Td (29,931) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 466.20 Td (Total revenues, net of interest expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 466.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.25 466.20 Td (76,354) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 466.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.25 466.21 Td (77,219) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 466.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 466.21 Td (76,724) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 452.20 Td (Provisions for credit losses and for benefits and claims) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.00 452.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 452.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 452.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 438.21 Td (Provision for loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 438.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 438.20 Td (7,108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 438.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.75 438.21 Td (6,828) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 438.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 438.21 Td (7,604) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 424.21 Td (Policyholder benefits and claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.50 424.20 Td (731) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.50 424.21 Td (801) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 424.21 Td (830) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 410.21 Td (Provision \(release\) for unfunded lending commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.00 410.20 Td (74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.50 410.21 Td (\(162) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 410.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 410.21 Td (80) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 396.20 Td (Total provisions for credit losses and for benefits and claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 396.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 396.20 Td (7,913) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 396.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.75 396.21 Td (7,467) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 396.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 396.21 Td (8,514) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 382.20 Td (Operating expenses) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 114.25 386.28 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.00 382.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 382.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 382.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 368.21 Td (Compensation and benefits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 368.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.25 368.20 Td (21,769) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 368.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.25 368.21 Td (23,959) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 368.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 368.21 Td (23,967) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 354.21 Td (Premises and equipment) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 354.20 Td (2,878) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.75 354.21 Td (3,178) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 354.21 Td (3,165) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 340.21 Td (Technology/communication) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 340.20 Td (6,581) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.75 340.21 Td (6,436) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 340.21 Td (6,136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 326.21 Td (Advertising and marketing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 326.20 Td (1,547) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.75 326.21 Td (1,844) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 326.21 Td (1,888) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 312.21 Td (Other operating) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.25 312.20 Td (10,840) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.25 312.21 Td (19,634) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 312.21 Td (13,252) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 298.20 Td (Total operating expenses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 298.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.25 298.20 Td (43,615) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 298.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.25 298.21 Td (55,051) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 298.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 298.21 Td (48,408) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 284.20 Td (Income from continuing operations before income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 284.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.25 284.20 Td (24,826) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 284.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.25 284.21 Td (14,701) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 284.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 284.21 Td (19,802) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 270.21 Td (Provision for income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 270.20 Td (7,440) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.75 270.21 Td (7,197) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 270.21 Td (6,186) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 256.20 Td (Income from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 256.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.25 256.20 Td (17,386) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 256.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.75 256.21 Td (7,504) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 256.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 256.21 Td (13,616) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 242.20 Td (Discontinued operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.00 242.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 242.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 242.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 228.21 Td (Income \(loss\) from discontinued operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 228.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.00 228.20 Td (\(83) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 228.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 228.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.00 228.21 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 228.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 228.21 Td (\(242) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 228.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 214.21 Td (Gain on sale) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.00 214.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.00 214.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 214.21 Td (268) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 200.21 Td (Provision \(benefit\) for income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.00 200.20 Td (\(29) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 200.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.00 200.21 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 200.21 Td (\(244) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 200.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 186.20 Td (Income \(loss\) from discontinued operations, net of taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 186.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.00 186.20 Td (\(54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 186.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 186.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.50 186.21 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 186.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 186.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 186.21 Td (270) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 172.20 Td (Net income before attribution of noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 172.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.25 172.20 Td (17,332) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 172.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.75 172.21 Td (7,502) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 172.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 172.21 Td (13,886) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 158.21 Td (Noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.00 158.20 Td (90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.50 158.21 Td (192) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 158.21 Td (227) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 144.20 Td (Citigroups net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 144.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.25 144.20 Td (17,242) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 144.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.75 144.21 Td (7,310) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 144.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 144.21 Td (13,659) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 128.20 Td (Basic earnings per) Tj ET Q q 0 0 0 rg BT 109.84 128.20 Td ( shar) Tj ET Q q 0 0 0 rg BT 128.93 128.20 Td (e) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 132.92 132.28 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.00 128.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 128.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 128.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 114.21 Td (Income from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 114.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.25 114.20 Td (5.43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 114.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.25 114.21 Td (2.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 114.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 114.21 Td (4.26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 100.21 Td (Income \(loss\) from discontinued operations, net of taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.25 100.20 Td (\(0.02) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 100.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.00 100.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 100.21 Td (0.09) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 86.20 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 86.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.25 86.20 Td (5.41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 86.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.25 86.21 Td (2.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 86.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 86.21 Td (4.35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 72.20 Td (Weighted average common shares outstanding) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.00 72.20 Td (3,004.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 72.21 Td 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.60 Td (The Notes to the Consolidated Financial Statements are an integral part of these Consolidated Financial Statements.) Tj ET Q endstream endobj 269 0 obj <> endobj 270 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (132) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 38.00 745.18 Td (CONSOLIDATED BALANCE SHEET) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 446.25 745.21 Td (CitigroupInc. and Subsidiaries) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 708.50 388.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 708.50 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 708.50 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 684.50 388.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 684.50 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 684.50 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 648.50 388.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 648.50 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 648.50 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 612.50 388.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 612.50 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 612.50 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 577.50 388.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 577.50 76.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 577.50 76.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 532.50 388.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 532.50 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 532.50 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 506.50 388.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 506.50 76.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 506.50 76.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 462.50 388.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 462.50 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 462.50 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 436.50 388.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 436.50 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 436.50 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 410.50 388.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 410.50 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 410.50 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 384.50 388.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 384.50 76.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 384.50 76.00 -23.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 719.5 m 500.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 719.5 m 576.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 708.5 m 424.5 708.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 708.5 m 500.5 708.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 708.5 m 576.5 708.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 532.5 m 500.5 532.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 532.5 m 576.5 532.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 532.5 m 424.5 532.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 532.5 m 500.5 532.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 532.5 m 576.5 532.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 462.5 m 424.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 462.5 m 500.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 462.5 m 576.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 462.5 m 500.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 462.5 m 576.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 436.5 m 424.5 436.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 436.5 m 500.5 436.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 436.5 m 576.5 436.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 436.5 m 500.5 436.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 436.5 m 576.5 436.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 361.5 m 424.5 361.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 347.5 m 424.5 347.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 361.5 m 500.5 361.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 347.5 m 500.5 347.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 361.5 m 576.5 361.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 347.5 m 576.5 347.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.80 721.95 Td (December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 711.45 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 710.95 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 710.81 Td (2014) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 39.00 699.23 Td (Assets) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 497.00 699.26 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 573.00 699.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 687.76 Td (Cash and due from banks \(including segregated cash and other deposits\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 687.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 687.90 Td (20,900) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 687.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 687.76 Td (32,108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 675.76 Td (Deposits with banks) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 675.90 Td (112,197) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 675.76 Td (128,089) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 661.96 Td (Federal funds sold and securities borrowed or purchased under agreements to resell \(including $137,964) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 652.96 Td (and $144,191 as of December31, 2015 and December31, 2014, respectively, at fair value\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 652.95 Td (219,675) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 652.96 Td (242,570) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 639.76 Td (Brokerage receivables) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 639.90 Td (27,683) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 639.76 Td (28,419) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 625.96 Td (Trading account assets \(including $92,123 and $106,217 pledged to creditors at December31, 2015 and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 616.96 Td (December31, 2014, respectively\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 616.95 Td (249,956) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 616.96 Td (296,786) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 603.76 Td (Investments:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 590.96 Td ( Available for sale \(including $10,698 and $13,808 pledged to creditors as of December31, 2015 and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 581.96 Td (December31, 2014, respectively\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 581.95 Td (299,136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 581.96 Td (300,143) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 568.76 Td (Held to maturity \(including $3,630 and $2,974 pledged to creditors as of December31, 2015 and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.00 559.76 Td (December31, 2014, respectively\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 559.95 Td (36,215) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 559.96 Td (23,921) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 545.96 Td (Non-marketable equity securities \(including $2,088 and $2,758 at fair value as of December31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.00 536.96 Td (and December 31, 2014, respectively\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.75 536.95 Td (7,604) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 536.96 Td (9,379) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 523.76 Td (Total investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 523.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 523.90 Td (342,955) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 523.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 523.76 Td (333,443) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 510.76 Td (Loans:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 510.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 510.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 497.76 Td (Consumer \(including $34 and $43 as of December31, 2015 and December31, 2014, respectively, at) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.00 488.76 Td (fair value\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 488.95 Td (329,783) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 488.96 Td (369,970) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 475.76 Td (Corporate \(including $4,971 and $5,858 as of December31, 2015 and December31, 2014, respectively,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.00 466.76 Td (at fair value\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 466.95 Td (287,834) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 466.96 Td (274,665) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 453.76 Td (Loans, net of unearned income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 453.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 453.90 Td (617,617) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 453.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 453.76 Td (644,635) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 440.76 Td (Allowance for loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 440.90 Td (\(12,626) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 440.90 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 440.76 Td (\(15,994) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 440.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 427.76 Td (Total loans, net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 427.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 427.90 Td (604,991) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 427.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 427.76 Td (628,641) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 414.76 Td (Goodwill) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 414.90 Td (22,349) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 414.76 Td (23,592) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 401.76 Td (Intangible assets \(other than MSRs\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.75 401.90 Td (3,721) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 401.76 Td (4,566) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 388.76 Td (Mortgage servicing rights \(MSRs\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.75 388.90 Td (1,781) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 388.76 Td (1,845) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 374.96 Td (Other assets \(including $6,121 and $7,762 as of December31, 2015 and December31, 2014,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 365.96 Td (respectively, at fair value\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 365.95 Td (125,002) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 365.96 Td (122,122) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 351.95 Td (Total assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 351.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.00 351.95 Td (1,731,210) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 351.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 351.96 Td (1,842,181) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 324.00 Td (The following table presents certain assets of consolidated variable interest entities \(VIEs\), which are included in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 312.00 Td (Consolidated Balance Sheet above. ) Tj ET Q q 0 0 0 rg BT 179.39 312.00 Td (The assets in the table below include those assets that can only be used to settle obligations of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 300.00 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 88.86 300.00 Td (VIEs, presented on the following page, and are in excess of those obligations. ) Tj ET Q q 0 0 0 rg BT 401.56 300.00 Td (Additionally) Tj ET Q q 0 0 0 rg BT 451.46 300.00 Td (, the assets in the table below ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 288.00 Td (include third-party assets of consolidated ) Tj ET Q q 0 0 0 rg BT 202.72 288.00 Td (VIEs only and exclude intercompany balances that eliminate in consolidation.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 254.50 374.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 254.50 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 254.50 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 228.50 374.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 228.50 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 228.50 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 202.50 374.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 202.50 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 202.50 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 176.50 374.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 176.50 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 176.50 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 150.50 374.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 150.50 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 150.50 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 124.50 374.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 124.50 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 124.50 74.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 265.5 m 484.5 265.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 265.5 m 558.5 265.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 254.5 m 410.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 254.5 m 484.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 254.5 m 558.5 254.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 163.5 m 410.5 163.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 163.5 m 484.5 163.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 163.5 m 558.5 163.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 163.5 m 484.5 163.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 163.5 m 558.5 163.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 137.5 m 410.5 137.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 137.5 m 484.5 137.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 137.5 m 558.5 137.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 137.5 m 484.5 137.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 137.5 m 558.5 137.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 111.5 m 484.5 111.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 111.5 m 558.5 111.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 111.5 m 410.5 111.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 98.5 m 410.5 98.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 111.5 m 484.5 111.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 98.5 m 484.5 98.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 111.5 m 558.5 111.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 98.5 m 558.5 98.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.80 268.90 Td (December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 257.45 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 256.95 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 256.81 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 245.90 Td (Assets of consolidated VIEs to be used to settle obligations of consolidated VIEs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 245.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 245.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 232.76 Td (Cash and due from banks) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 232.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.50 232.90 Td (153) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 232.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 232.76 Td (300) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 219.76 Td (Trading account assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.50 219.90 Td (583) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 219.76 Td (671) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 206.76 Td (Investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.75 206.90 Td (5,263) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.75 206.76 Td (8,014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 193.76 Td (Loans, net of unearned income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 193.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 193.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 180.76 Td (Consumer) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.25 180.90 Td (58,772) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 180.76 Td (66,383) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 167.76 Td (Corporate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.25 167.90 Td (22,008) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 167.76 Td (29,596) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 154.76 Td (Loans, net of unearned income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 154.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.25 154.90 Td (80,780) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 154.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 154.76 Td (95,979) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 141.76 Td (Allowance for loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 141.90 Td (\(2,135) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 141.90 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.75 141.76 Td (\(2,793) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 141.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 128.76 Td (Total loans, net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 128.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.25 128.90 Td (78,645) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 128.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 128.76 Td (93,186) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 115.76 Td (Other assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.50 115.90 Td (150) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 115.76 Td (619) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 102.90 Td (Total assets of consolidated VIEs to be used to settle obligations of consolidated VIEs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 102.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.25 102.90 Td (84,794) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 102.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.75 102.76 Td (102,790) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.15 79.00 Td (Statement continues on the next page.) Tj ET Q endstream endobj 271 0 obj <> endobj 272 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (133) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (CONSOLIDA) Tj ET Q q 0 0 0 rg BT 95.82 749.25 Td (TED BALANCE SHEET) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.63 749.25 Td ( ) Tj ET Q q 0 0 0 rg BT 216.00 749.25 Td ( ) Tj ET Q q 0 0 0 rg BT 252.00 749.25 Td ( ) Tj ET Q q 0 0 0 rg BT 288.00 749.25 Td ( ) Tj ET Q q 0 0 0 rg BT 324.00 749.25 Td ( ) Tj ET Q q 0 0 0 rg BT 360.00 749.25 Td ( ) Tj ET Q q 0 0 0 rg BT 396.00 749.25 Td ( ) Tj ET Q q 0 0 0 rg BT 432.00 749.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 449.50 749.25 Td (Citigr) Tj ET Q q 0 0 0 rg BT 473.03 749.25 Td (oup Inc. and Subsidiaries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 36.00 738.45 Td (\(Continued\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 678.95 388.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 678.95 76.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 678.95 76.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 642.95 388.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 642.95 76.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 642.95 76.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 606.95 388.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 606.95 76.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 606.95 76.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 571.95 388.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 571.95 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 571.95 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 535.95 388.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 535.95 76.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 535.95 76.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 487.95 388.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 487.95 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 487.95 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 463.95 388.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 463.95 76.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 463.95 76.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 417.95 388.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 417.95 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 417.95 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 393.95 388.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 393.95 76.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 393.95 76.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 358.95 388.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 358.95 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 358.95 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 334.95 388.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 334.95 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 334.95 76.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 715.95 m 500.5 715.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 715.95 m 576.5 715.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 703.95 m 424.5 703.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 703.95 m 500.5 703.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 703.95 m 576.5 703.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 618.95 m 424.5 618.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 618.95 m 500.5 618.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 618.95 m 576.5 618.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 618.95 m 500.5 618.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 618.95 m 576.5 618.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 487.95 m 424.5 487.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 487.95 m 500.5 487.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 487.95 m 576.5 487.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 475.95 m 424.5 475.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 475.95 m 500.5 475.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 475.95 m 576.5 475.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 358.95 m 424.5 358.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 358.95 m 500.5 358.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 358.95 m 576.5 358.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 334.95 m 424.5 334.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 322.95 m 424.5 322.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 334.95 m 500.5 334.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 322.95 m 500.5 322.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 334.95 m 576.5 334.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 322.95 m 576.5 322.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 310.95 m 424.5 310.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 310.95 m 500.5 310.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 310.95 m 576.5 310.95 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.80 719.35 Td (December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 707.90 Td (Inmillionsofdollars,exceptsharesandpershareamounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 707.35 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 707.21 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 695.35 Td (Liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 695.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 695.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 682.21 Td (Non-interest-bearing deposits in U.S. offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 682.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 682.35 Td (139,249) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 682.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 682.21 Td (128,958) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 668.41 Td (Interest-bearing deposits in U.S. offices \(including $923 and $994 as of December31, 2015 and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 659.41 Td (December31, 2014, respectively, at fair value\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 659.40 Td (280,234) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 659.41 Td (284,978) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 646.21 Td (Non-interest-bearing deposits in offices outside the U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 646.35 Td (71,577) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 646.21 Td (70,925) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 632.41 Td (Interest-bearing deposits in offices outside the U.S. \(including $667 and $690 as of December31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 623.41 Td (and December31, 2014, respectively, at fair value\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 623.40 Td (416,827) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 623.41 Td (414,471) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 610.21 Td (Total deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 610.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 610.35 Td (907,887) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 610.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 610.21 Td (899,332) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 597.41 Td (Federal funds purchased and securities loaned or sold under agreements to repurchase \(including $36,843) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 588.41 Td (and $36,725 as of December31, 2015 and December31, 2014, respectively, at fair value\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 588.40 Td (146,496) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 588.41 Td (173,438) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 575.21 Td (Brokerage payables) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 575.35 Td (53,722) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 575.21 Td (52,180) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 563.21 Td (Trading account liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 563.35 Td (117,512) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 563.21 Td (139,036) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 549.41 Td (Short-term borrowings \(including $1,207 and $1,496 as of December31, 2015 and December31, 2014,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 540.41 Td (respectively, at fair value\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 540.40 Td (21,079) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 540.41 Td (58,335) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 525.41 Td (Long-term debt \(including $25,293 and $26,180 as of December31, 2015 and December31, 2014,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 516.41 Td (respectively, at fair value\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 516.40 Td (201,275) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 516.41 Td (223,080) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 501.41 Td (Other liabilities \(including $1,624 and $1,776 as of December31, 2015 and December31, 2014,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 492.41 Td (respectively, at fair value\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 492.40 Td (60,147) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 492.41 Td (85,084) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 479.35 Td (Total liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 479.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.00 479.35 Td (1,508,118) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 479.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 479.21 Td (1,630,485) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 467.35 Td (Stockholders equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 467.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 467.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 454.26 Td (Preferred stock \($1.00 par value; authorized shares: 30 million\), issued shares: ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.67 454.26 Td (668,720 as of ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.17 454.26 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 445.40 Td (December) Tj ET Q q 0 0 0 rg BT 86.81 445.40 Td (31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 120.56 445.40 Td ( and 418,720 as of December31, 2014, at aggregate liquidation value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 445.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 445.40 Td (16,718) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 445.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 445.41 Td (10,468) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 431.26 Td (Common stock \($0.01 par value; authorized shares: 6 billion\), issued shares:) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.44 431.26 Td ( 3,099,482,042 as of ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 422.40 Td (December) Tj ET Q q 0 0 0 rg BT 86.81 422.40 Td (31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 120.56 422.40 Td ( and 3,082,037,568 as of December31, 2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.00 422.40 Td (31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 422.41 Td (31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 409.21 Td (Additional paid-in capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 409.35 Td (108,288) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 409.21 Td (107,979) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 397.21 Td (Retained earnings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 397.35 Td (133,841) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 397.21 Td (117,852) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 384.41 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 384.41 Td (reasury stock, at cost:) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 122.16 384.41 Td ( December) Tj ET Q q 0 0 0 rg BT 163.22 384.41 Td (31, 2015146,203,31) Tj ET Q q 0 0 0 rg BT 245.97 384.41 Td (1 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.72 384.41 Td (shares and December31, 201458,1) Tj ET Q q 0 0 0 rg BT 387.85 384.41 Td (19,993 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 375.41 Td (shares) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.75 375.40 Td (\(7,677) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 375.40 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 375.41 Td (\(2,929) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 375.41 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 362.21 Td (Accumulated other comprehensive income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 362.35 Td (\(29,344) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 362.35 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 362.21 Td (\(23,216) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 362.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 350.35 Td (Total Citigroup stockholders equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 350.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 350.35 Td (221,857) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 350.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 350.21 Td (210,185) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 338.21 Td (Noncontrolling interest) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.75 338.35 Td (1,235) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 338.21 Td (1,511) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 326.35 Td (Total equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 326.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 326.35 Td (223,092) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 326.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 326.21 Td (211,696) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 314.35 Td (Total liabilities and equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 314.35 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.00 314.35 Td (1,731,210) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 314.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 314.21 Td (1,842,181) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 287.45 Td (The following table presents certain liabilities of consolidated ) Tj ET Q q 0 0 0 rg BT 303.75 287.45 Td (VIEs, which are included in the Consolidated Balance Sheet above. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 275.45 Td (The liabilities in the table below include third-party liabilities of consolidated ) Tj ET Q q 0 0 0 rg BT 348.24 275.45 Td (VIEs only and exclude intercompany balances that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 263.45 Td (eliminate in consolidation. ) Tj ET Q q 0 0 0 rg BT 144.69 263.45 Td (The liabilities also exclude amounts where creditors or beneficial interest holders have recourse to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 251.45 Td (general credit of Citigroup.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 216.95 388.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 216.95 76.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 216.95 76.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 179.95 388.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 179.95 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 179.95 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 152.95 388.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 152.95 76.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 152.95 76.00 -23.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 228.95000000000005 m 500.5 228.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 228.95000000000005 m 576.5 228.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 216.95000000000005 m 424.5 216.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 216.95000000000005 m 500.5 216.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 216.95000000000005 m 576.5 216.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 152.95000000000005 m 500.5 152.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 152.95000000000005 m 576.5 152.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 152.95000000000005 m 424.5 152.95000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 129.95000000000005 m 424.5 129.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 152.95000000000005 m 500.5 152.95000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 129.95000000000005 m 500.5 129.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 152.95000000000005 m 576.5 152.95000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 129.95000000000005 m 576.5 129.95000000000005 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.80 232.35 Td (December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 220.90 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 220.35 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 220.21 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 207.40 Td (Liabilities of consolidated VIEs for which creditors or beneficial interest holders do not have) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 198.40 Td (recourse to the general credit of Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 198.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 198.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 184.41 Td (Short-term borrowings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 184.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 184.40 Td (11,965) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 184.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 184.41 Td (20,254) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 171.21 Td (Long-term debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 171.35 Td (31,273) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 171.21 Td (40,078) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 157.41 Td (Other liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.75 157.40 Td (2,099) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 157.41 Td (901) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 143.40 Td (Total liabilities of consolidated VIEs for which creditors or beneficial interest holders do not have) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 134.40 Td (recourse to the general credit of Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 134.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 134.40 Td (45,337) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 134.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 134.41 Td (61,233) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 110.45 Td (The Notes to the Consolidated Financial Statements are an integral part of these Consolidated Financial Statements.) Tj ET Q endstream endobj 273 0 obj <> endobj 274 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (134) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 38.00 745.18 Td (CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS EQUITY) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 446.25 745.21 Td (CitigroupInc. and Subsidiaries) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 674.50 250.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 674.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 674.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 674.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 674.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 674.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 674.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 648.50 250.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 648.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 648.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 648.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 648.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 648.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 648.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 622.50 250.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 622.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 622.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 622.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 622.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 622.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 622.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 595.50 250.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 595.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 595.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 595.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 595.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 595.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 595.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 569.50 250.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 569.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 569.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 569.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 569.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 569.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 569.50 48.00 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/GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 513.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 485.50 250.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 485.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 485.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 485.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 485.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 485.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 485.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 457.50 250.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 457.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 457.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 457.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 457.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 457.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 457.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 429.50 250.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 429.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 429.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 429.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 429.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 429.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 429.50 48.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 402.50 250.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 402.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 402.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 402.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 402.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 402.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 402.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 374.50 250.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 374.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 374.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 374.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 374.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 374.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 374.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 346.50 250.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 346.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 346.50 48.00 -14.00 re f /GS0 gs 0.8 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/GS0 gs 478.50 69.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 69.50 48.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 716.5 m 334.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 716.5 m 382.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 716.5 m 430.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 716.5 m 478.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 716.5 m 526.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 716.5 m 574.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 702.5 m 334.5 702.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 702.5 m 382.5 702.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 716.5 m 430.5 702.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 702.5 m 430.5 702.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 702.5 m 478.5 702.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 702.5 m 526.5 702.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 702.5 m 574.5 702.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 688.5 m 286.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 688.5 m 334.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 688.5 m 382.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 702.5 m 430.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 702.5 m 430.5 702.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 688.5 m 430.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 702.5 m 478.5 702.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 688.5 m 478.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 702.5 m 526.5 702.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 688.5 m 526.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 702.5 m 574.5 702.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 688.5 m 574.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 688.5 m 430.5 674.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 674.5 m 430.5 661.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 661.5 m 430.5 648.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 648.5 m 430.5 635.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 635.5 m 430.5 635.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 635.5 m 478.5 635.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 635.5 m 526.5 635.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 635.5 m 574.5 635.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 635.5 m 286.5 635.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 622.5 m 286.5 622.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 635.5 m 334.5 635.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 622.5 m 334.5 622.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 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J 0 j 3 M 36.5 346.5 m 286.5 346.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 332.5 m 286.5 332.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 346.5 m 334.5 346.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 332.5 m 334.5 332.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 346.5 m 382.5 346.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 332.5 m 382.5 332.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 346.5 m 430.5 332.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 346.5 m 430.5 346.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 332.5 m 430.5 332.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 346.5 m 478.5 346.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 332.5 m 478.5 332.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 346.5 m 526.5 346.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 332.5 m 526.5 332.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 346.5 m 574.5 346.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 332.5 m 574.5 332.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 332.5 m 430.5 318.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 318.5 m 430.5 304.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 290.5 m 334.5 290.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 290.5 m 382.5 290.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 304.5 m 430.5 290.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 290.5 m 430.5 290.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 290.5 m 478.5 290.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 290.5 m 526.5 290.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 290.5 m 574.5 290.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 290.5 m 286.5 290.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 290.5 m 334.5 290.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 276.5 m 334.5 276.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 290.5 m 382.5 290.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 276.5 m 382.5 276.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 290.5 m 430.5 276.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 290.5 m 430.5 290.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 276.5 m 430.5 276.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 276.5 m 478.5 276.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 276.5 m 526.5 276.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 276.5 m 574.5 276.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 276.5 m 286.5 276.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 264.5 m 334.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 276.5 m 382.5 276.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 264.5 m 382.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 276.5 m 430.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 264.5 m 430.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 264.5 m 478.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 264.5 m 526.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 264.5 m 574.5 264.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 264.5 m 286.5 264.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 250.5 m 286.5 250.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 250.5 m 334.5 250.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 250.5 m 382.5 250.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 264.5 m 430.5 250.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 250.5 m 430.5 250.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 250.5 m 478.5 250.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 250.5 m 526.5 250.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 250.5 m 574.5 250.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 250.5 m 430.5 236.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 236.5 m 430.5 222.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 222.5 m 430.5 208.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 208.5 m 430.5 185.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 185.5 m 430.5 162.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 162.5 m 430.5 148.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 148.5 m 430.5 134.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 134.5 m 430.5 111.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 97.5 m 334.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 97.5 m 382.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 111.5 m 430.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 97.5 m 430.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 97.5 m 478.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 97.5 m 526.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 97.5 m 574.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 97.5 m 286.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 97.5 m 334.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 83.5 m 334.5 83.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 97.5 m 382.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 83.5 m 382.5 83.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 97.5 m 430.5 83.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 97.5 m 430.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 83.5 m 430.5 83.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 83.5 m 478.5 83.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 83.5 m 526.5 83.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 83.5 m 574.5 83.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 83.5 m 286.5 83.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 69.5 m 334.5 69.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 69.5 m 382.5 69.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 83.5 m 430.5 69.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 69.5 m 430.5 69.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 69.5 m 478.5 69.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 69.5 m 526.5 69.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 69.5 m 574.5 69.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 69.5 m 286.5 69.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 55.5 m 286.5 55.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 69.5 m 334.5 69.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 55.5 m 334.5 55.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 69.5 m 382.5 69.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 55.5 m 382.5 55.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 69.5 m 430.5 55.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 69.5 m 430.5 69.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 55.5 m 430.5 55.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 69.5 m 478.5 69.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 55.5 m 478.5 55.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 69.5 m 526.5 69.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 55.5 m 526.5 55.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 69.5 m 574.5 69.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 55.5 m 574.5 55.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.30 720.95 Td (Years ended December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.45 706.95 Td (Amounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.05 706.95 Td (Shares) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 692.75 Td (Inmillionsofdollars,exceptsharesinthousands) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.00 692.95 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 692.96 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 692.96 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 692.95 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 692.96 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.00 692.96 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 678.95 Td (Preferred stock at aggregate liquidation value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 678.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 678.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 678.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 678.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 678.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 678.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 665.76 Td (Balance, beginning of year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 665.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.25 665.90 Td (10,468) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 665.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.75 665.76 Td (6,738) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 665.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.75 665.76 Td (2,562) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.50 665.90 Td (419) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 665.76 Td (270) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.50 665.76 Td (102) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 652.76 Td (Issuance of new preferred stock) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.75 652.90 Td (6,250) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.75 652.76 Td (3,730) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.75 652.76 Td (4,270) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.50 652.90 Td (250) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 652.76 Td (149) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.50 652.76 Td (171) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 639.76 Td (Redemption of preferred stock) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 639.90 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 639.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 639.76 Td (\(94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 639.76 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 639.90 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 639.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 639.76 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 639.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 626.76 Td (Balance, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 626.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.25 626.90 Td (16,718) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 626.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.25 626.76 Td (10,468) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 626.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.75 626.76 Td (6,738) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.50 626.90 Td (669) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 626.76 Td (419) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.50 626.76 Td (270) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 612.95 Td (Common stock and additional paid-in capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 612.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 612.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 612.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 612.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 612.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 612.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 599.76 Td (Balance, beginning of year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 599.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 599.90 Td (108,010) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 599.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.75 599.76 Td (107,224) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 599.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.75 599.76 Td (106,421) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 599.90 Td (3,082,038) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 599.76 Td (3,062,099) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 599.76 Td (3,043,153) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 586.76 Td (Employee benefit plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 586.90 Td (357) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.50 586.76 Td (798) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.50 586.76 Td (878) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 586.90 Td (17,438) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.25 586.76 Td (19,928) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.25 586.76 Td (18,930) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 573.76 Td (Preferred stock issuance expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.00 573.90 Td (\(23) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 573.90 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 573.76 Td (\(31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 573.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 573.76 Td (\(78) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 573.76 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 573.90 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 573.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 573.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 559.96 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.00 559.95 Td (\(25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 559.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 559.96 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.50 559.96 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.50 559.95 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 559.96 Td (11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 559.96 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 545.96 Td (Balance, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 545.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 545.95 Td (108,319) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 545.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.75 545.96 Td (108,010) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 545.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.75 545.96 Td (107,224) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 545.95 Td (3,099,482) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 545.96 Td (3,082,038) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 545.96 Td (3,062,099) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 531.95 Td (Retained earnings) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 531.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 531.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 531.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 531.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 531.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 531.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 517.96 Td (Balance, beginning of year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 517.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 517.95 Td (117,852) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 517.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.75 517.96 Td (110,821) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 517.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.25 517.96 Td (97,809) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 503.96 Td (Adjustment to opening balance, net of taxes) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 197.21 508.04 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 503.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 503.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.50 503.96 Td (\(332) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 503.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 489.96 Td (Adjusted balance, beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 489.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 489.95 Td (117,852) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 489.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.75 489.96 Td (110,821) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 489.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.25 489.96 Td (97,477) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 489.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 489.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 489.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 475.96 Td (Citigroups net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.25 475.95 Td (17,242) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.75 475.96 Td (7,310) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.25 475.96 Td (13,659) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 475.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 475.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 475.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 461.96 Td (Common dividends) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 109.75 466.04 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.50 461.95 Td (\(484) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 461.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 461.96 Td (\(122) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 461.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.50 461.96 Td (\(120) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 461.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 461.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 461.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 461.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 447.96 Td (Preferred dividends) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.50 447.95 Td (\(769) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 447.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 447.96 Td (\(511) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 447.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.50 447.96 Td (\(194) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 447.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 447.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 447.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 447.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 433.96 Td (Tax benefit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 433.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.50 433.96 Td (353) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.00 433.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 433.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 433.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 433.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 420.76 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 420.90 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.50 420.76 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.50 420.76 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 420.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 406.96 Td (Balance, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 406.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 406.95 Td (133,841) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 406.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.75 406.96 Td (117,852) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 406.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.75 406.96 Td (110,821) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 406.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 406.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 406.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 392.95 Td (Treasury stock, at cost) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 392.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 392.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 392.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 392.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 392.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 392.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 378.96 Td (Balance, beginning of year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 378.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.75 378.95 Td (\(2,929) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 378.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 378.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 378.96 Td (\(1,658) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 378.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 378.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.50 378.96 Td (\(847) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 378.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.25 378.95 Td (\(58,119) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 378.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.25 378.96 Td (\(32,856) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 378.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 378.96 Td (\(14,269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 378.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 364.96 Td (Employee benefit plans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 123.97 369.04 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 364.95 Td (704) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 364.96 Td (\(39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 364.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.00 364.96 Td (26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 364.95 Td (13,318) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.50 364.96 Td (\(483) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 364.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.75 364.96 Td (\(1,629) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 364.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 350.96 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 350.96 Td (reasury stock acquired) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 125.15 355.04 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.75 350.95 Td (\(5,452) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 350.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 350.96 Td (\(1,232) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 350.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.50 350.96 Td (\(837) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 350.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.75 350.95 Td (\(101,402) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 350.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.25 350.96 Td (\(24,780) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 350.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 350.96 Td (\(16,958) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 350.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 336.96 Td (Balance, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 336.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.75 336.95 Td (\(7,677) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 336.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 336.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 336.96 Td (\(2,929) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 336.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 336.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.75 336.96 Td (\(1,658) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 336.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.75 336.95 Td (\(146,203) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 336.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.25 336.96 Td (\(58,119) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 336.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 336.96 Td (\(32,856) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 336.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 322.95 Td (Citigroups accumulated other comprehensive income \(loss\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 322.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 322.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 322.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 322.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 322.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 322.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 308.96 Td (Balance, beginning of year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 308.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 308.95 Td (\(23,216) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 308.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 308.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.25 308.96 Td (\(19,133) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 308.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 308.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.25 308.96 Td (\(16,896) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 308.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 308.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 308.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 308.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 294.96 Td (Citigroups total other comprehensive income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.75 294.95 Td (\(6,128) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 294.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.75 294.96 Td (\(4,083) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 294.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.75 294.96 Td (\(2,237) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 294.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 294.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 294.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 294.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 280.96 Td (Balance, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 280.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 280.95 Td (\(29,344) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 280.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 280.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.25 280.96 Td (\(23,216) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 280.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 280.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.25 280.96 Td (\(19,133) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 280.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 280.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 280.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 280.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 267.90 Td (Total Citigroup common stockholders equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 267.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 267.90 Td (205,139) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 267.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.75 267.76 Td (199,717) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 267.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.75 267.76 Td (197,254) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 267.90 Td (2,953,279) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 267.76 Td (3,023,919) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 267.76 Td (3,029,243) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 254.95 Td (Total Citigroup stockholders equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 254.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 254.95 Td (221,857) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 254.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.75 254.96 Td (210,185) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 254.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.75 254.96 Td (203,992) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 254.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 254.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 254.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 240.95 Td (Noncontrolling interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 240.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 240.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 240.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 240.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 240.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 240.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 226.96 Td (Balance, beginning of year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.00 226.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.75 226.95 Td (1,511) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 226.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.75 226.96 Td (1,794) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 226.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.75 226.96 Td (1,948) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 226.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 226.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 226.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 212.96 Td (Initial origination of a noncontrolling interest) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 212.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 212.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.50 212.96 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 212.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 212.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.00 212.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 198.96 Td (Transactions between noncontrolling-interest shareholders and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.00 189.96 Td (the related consolidated subsidiary) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 189.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 189.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.50 189.96 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 189.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 175.96 Td (Transactions between Citigroup and the noncontrolling-interest) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 54.00 166.96 Td (shareholders) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.50 166.95 Td (\(164) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 166.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 166.96 Td (\(96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 166.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.50 166.96 Td (\(118) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 166.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 166.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg 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See Note 1 to the Consolidated Financial Statements for additional ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 721.70 Td (information.) 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0.9333333333333333 1 rg /GS0 gs 517.50 95.50 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 67.50 365.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 67.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 67.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 67.50 59.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 714.5 m 459.5 714.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 714.5 m 517.5 714.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 714.5 m 576.5 714.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 700.5 m 401.5 700.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 700.5 m 459.5 700.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 700.5 m 517.5 700.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 700.5 m 576.5 700.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 658.5 m 401.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 658.5 m 459.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 658.5 m 517.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 658.5 m 576.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 658.5 m 459.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 658.5 m 517.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 658.5 m 576.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 616.5 m 401.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 616.5 m 459.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 616.5 m 517.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 616.5 m 576.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 616.5 m 459.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 616.5 m 517.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 616.5 m 576.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 369.5 m 459.5 369.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 369.5 m 517.5 369.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 369.5 m 576.5 369.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 369.5 m 401.5 369.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 369.5 m 459.5 369.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 355.5 m 459.5 355.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 369.5 m 517.5 369.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 355.5 m 517.5 355.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 369.5 m 576.5 369.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 355.5 m 576.5 355.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 355.5 m 401.5 355.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 341.5 m 401.5 341.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 341.5 m 459.5 341.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 341.5 m 517.5 341.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 341.5 m 576.5 341.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 165.5 m 459.5 165.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 165.5 m 517.5 165.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 165.5 m 576.5 165.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 165.5 m 401.5 165.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 151.5 m 401.5 151.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 165.5 m 459.5 165.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 151.5 m 459.5 151.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 165.5 m 517.5 165.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 151.5 m 517.5 151.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 165.5 m 576.5 165.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 151.5 m 576.5 151.5 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 39.00 717.22 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.80 718.95 Td (Years ended December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 704.75 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.00 704.95 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.00 704.96 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 704.96 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 690.95 Td (Cash flows from operating activities of continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 690.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 690.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 690.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 676.95 Td (Net income before attribution of noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 676.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 676.95 Td (17,332) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 676.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 676.96 Td (7,502) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 676.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 676.96 Td (13,886) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 662.95 Td (Net income attributable to noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 662.95 Td (90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.50 662.96 Td (192) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 662.96 Td (227) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 648.95 Td (Citigroups net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 648.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 648.95 Td (17,242) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 648.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 648.96 Td (7,310) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 648.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 648.96 Td (13,659) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 634.95 Td (Loss from discontinued operations, net of taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 634.95 Td (\(54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 634.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.50 634.96 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 634.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 634.96 Td (\(90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 634.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 620.95 Td (Gain on sale, net of taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 620.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 620.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 620.96 Td (360) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 606.95 Td (Income from continuing operationsexcluding noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 606.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 606.95 Td (17,296) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 606.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 606.96 Td (7,312) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 606.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 606.96 Td (13,389) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 592.95 Td (Adjustments to reconcile net income to net cash provided by operating activities of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 583.95 Td (continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 583.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 583.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 583.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 569.96 Td (Gains on significant disposals) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 152.74 574.04 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.75 569.95 Td (\(3,210) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 569.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 569.96 Td (\(452) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 569.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 569.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 555.96 Td (Amortization of deferred policy acquisition costs and present value of future profits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.50 555.95 Td (191) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.50 555.96 Td (210) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 555.96 Td (194) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 541.96 Td (Additions to deferred policy acquisition costs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 541.95 Td (\(62) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 541.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 541.96 Td (\(64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 541.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 541.96 Td (\(54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 541.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 527.96 Td (Depreciation and amortization) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.75 527.95 Td (3,506) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 527.96 Td (3,589) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 527.96 Td (3,303) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 513.96 Td (Deferred tax provision) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.75 513.95 Td (2,794) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 513.96 Td (3,347) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 513.96 Td (2,699) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 499.96 Td (Provision for loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.75 499.95 Td (7,108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 499.96 Td (6,828) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 499.96 Td (7,604) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 485.96 Td (Realized gains from sales of investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.50 485.95 Td (\(682) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 485.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 485.96 Td (\(570) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 485.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 485.96 Td (\(748) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 485.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 471.96 Td (Net impairment losses on investments, goodwill and intangible assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.50 471.95 Td (318) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.50 471.96 Td (426) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 471.96 Td (535) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 457.96 Td (Change in trading account assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 457.95 Td (46,830) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.25 457.96 Td (\(10,858) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 457.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 457.96 Td (35,001) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 443.96 Td (Change in trading account liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.25 443.95 Td (\(21,524) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 443.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.25 443.96 Td (30,274) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 443.96 Td (\(6,787) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 443.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 429.96 Td (Change in brokerage receivables net of brokerage payables) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.75 429.95 Td (2,278) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.75 429.96 Td (\(4,272) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 429.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 429.96 Td (\(6,490) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 429.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 415.96 Td (Change in loans held-for-sale \(HFS\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.75 415.95 Td (\(7,207) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 415.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.75 415.96 Td (\(1,144) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 415.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 415.96 Td (4,321) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 401.96 Td (Change in other assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 401.95 Td (\(32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 401.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.75 401.96 Td (\(1,690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 401.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 401.96 Td (13,028) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 387.96 Td (Change in other liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.75 387.95 Td (\(1,135) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 387.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 387.96 Td (7,973) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 387.96 Td (\(7,880) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 387.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 373.96 Td (Other, net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.75 373.95 Td (\(6,732) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 373.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 373.96 Td (5,434) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 373.96 Td (5,129) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 359.95 Td (Total adjustments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 359.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 359.95 Td (22,441) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 359.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.25 359.96 Td (39,031) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 359.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 359.96 Td (49,855) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 345.95 Td (Net cash provided by operating activities of continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 345.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 345.95 Td (39,737) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 345.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.25 345.96 Td (46,343) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 345.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 345.96 Td (63,244) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 331.95 Td (Cash flows from investing activities of continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 331.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 331.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 331.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 317.96 Td ( Change in deposits with banks) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 317.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 317.95 Td (15,488) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 317.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.25 317.96 Td (40,916) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 317.96 Td ($) Tj ET Q BT /F1 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1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 614.5 m 576.5 614.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 600.5 m 576.5 600.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 558.5 m 401.5 558.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 558.5 m 459.5 558.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 558.5 m 517.5 558.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 558.5 m 576.5 558.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 446.5 m 401.5 446.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 446.5 m 459.5 446.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 446.5 m 517.5 446.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 446.5 m 576.5 446.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 376.5 m 401.5 376.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 376.5 m 459.5 376.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 376.5 m 517.5 376.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 376.5 m 576.5 376.5 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 744.96 Td ( Issuance of long-term debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 744.95 Td (44,619) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.25 744.96 Td (66,836) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 744.96 Td (54,405) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 730.96 Td ( Payments and redemptions of long-term debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.25 730.95 Td (\(52,843) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 730.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.25 730.96 Td (\(58,923) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 730.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 730.96 Td (\(63,994) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 730.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 716.96 Td ( Change in deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.75 716.95 Td (8,555) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.25 716.96 Td (\(48,336) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 716.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 716.96 Td (37,713) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 702.96 Td ( Change in short-term borrowings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.25 702.95 Td (\(37,256) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 702.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.75 702.96 Td (\(1,099) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 702.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 702.96 Td (199) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 688.95 Td (Net cash provided by \(used in\) financing activities of continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 688.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.25 688.95 Td (\(64,773) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 688.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 688.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.25 688.96 Td (\(70,270) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 688.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 688.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 688.96 Td (23,094) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 674.96 Td (Effect of exchange rate changes on cash and cash equivalents) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 674.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.75 674.95 Td (\(1,055) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 674.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 674.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.75 674.96 Td (\(2,432) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 674.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 674.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 674.96 Td (\(1,558) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 674.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 660.95 Td (Discontinued operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 660.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 660.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 660.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 646.95 Td (Net cash used in discontinued operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 646.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 646.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 646.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 646.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 646.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 646.96 Td (\(10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 646.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 632.95 Td (Change in cash and due from banks) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 632.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.25 632.95 Td (\(11,208) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 632.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 632.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 632.96 Td (2,223) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 632.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 632.96 Td (\(6,568) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 632.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 618.95 Td (Cash and due from banks at beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 618.95 Td (32,108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.25 618.96 Td (29,885) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 618.96 Td (36,453) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 604.95 Td (Cash and due from banks at end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 604.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 604.95 Td (20,900) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 604.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.25 604.96 Td (32,108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 604.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 604.96 Td (29,885) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 590.95 Td (Supplemental disclosure of cash flow information for continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 590.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 590.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 590.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 576.96 Td (Cash paid during the year for income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 576.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.75 576.95 Td (4,978) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 576.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.75 576.96 Td (4,632) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 576.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 576.96 Td (4,495) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 562.96 Td (Cash paid during the year for interest) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 562.95 Td (12,031) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.25 562.96 Td (14,001) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 562.96 Td (15,655) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 548.95 Td (Non-cash investing activities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 548.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 548.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 548.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 534.96 Td (Change in loans due to consolidation/deconsolidation of VIEs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 534.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 534.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 534.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 534.96 Td (\(374) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 534.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 534.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 534.96 Td (6,718) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 520.96 Td (Decrease in net loans associated with significant disposals reclassified to HFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.75 520.95 Td (\(9,063) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 520.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 520.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 520.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 506.96 Td (Decrease in investments associated with significant disposals reclassified to HFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.75 506.95 Td (\(1,402) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 506.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 506.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 506.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 492.96 Td (Decrease in goodwill and intangible assets associated with significant disposals reclassified to HFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.50 492.95 Td (\(223) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 492.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 492.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 492.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 478.96 Td (Decrease in deposits with banks with significant disposals reclassified to HFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.50 478.95 Td (\(404) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 478.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 478.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 478.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 464.96 Td (Transfers to loans HFS from loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 464.95 Td (28,600) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.25 464.96 Td (15,100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 464.96 Td (17,300) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 450.96 Td (Transfers to OREO and other repossessed assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.50 450.95 Td (276) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.50 450.96 Td (321) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 450.96 Td (325) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 436.95 Td (Non-cash financing activities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 422.96 Td (Decrease in long-term debt associated with significant disposals reclassified to HFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 422.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.75 422.95 Td (\(4,673) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 422.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 422.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 422.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 422.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 422.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 408.96 Td (Decrease in deposits associated with reclassification to HFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 408.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.25 408.96 Td (\(20,605) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 408.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 408.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 394.96 Td (Increase in short-term borrowings due to consolidation of VIEs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 394.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.50 394.96 Td (500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 394.96 Td (6,718) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 380.96 Td (Decrease in long-term debt due to deconsolidation of VIEs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 380.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 380.96 Td (\(864) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 380.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 380.96 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 357.80 Td (\(1\) See Note 1 to the Consolidated Financial Statements for the adoption of ) Tj ET Q q 0 0 0 rg BT 280.84 357.80 Td (ASU No. 2014-08 in the second quarter of 2014 and Note 2 for further information on ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 348.20 Td (significant disposals.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 338.60 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 49.18 338.60 Td (The payments associated with significant disposals result primarily from the sale of deposit liabilities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 318.60 Td (The Notes to the Consolidated Financial Statements are an integral part of these Consolidated Financial Statements.) Tj ET Q endstream endobj 281 0 obj <> endobj 282 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (138) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td ( NOTES ) Tj ET Q q 0 0 0 rg BT 74.72 749.25 Td (T) Tj ET Q q 0 0 0 rg BT 81.21 749.25 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 151.31 749.25 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 230.49 749.25 Td ( ST) Tj ET Q q 0 0 0 rg BT 244.48 749.25 Td (A) Tj ET Q q 0 0 0 rg BT 250.96 749.25 Td (TEMENTS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 729.25 Td (1. SUMMAR) Tj ET Q q 0 0 0 rg BT 91.75 729.25 Td (Y) Tj ET Q q 0 0 0 rg BT 98.60 729.25 Td ( OF) Tj ET Q q 0 0 0 rg BT 114.62 729.25 Td ( SIGNIFICANT) Tj ET Q q 0 0 0 rg BT 183.62 729.25 Td ( ) Tj ET Q q 0 0 0 rg BT 185.57 729.25 Td (ACCOUNTING ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 717.25 Td (POLICIES ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 693.25 Td (Throughout these Notes, Citigroup, Citi and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 681.25 Td (Company refer to Citigroup Inc. and its consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 669.25 Td (subsidiaries.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 657.25 Td (Certain reclassifications have been made to the prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 645.25 Td (periods) Tj ET Q q 0 0 0 rg BT 68.03 645.25 Td ( financial statements and notes to conform to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 633.25 Td (current period) Tj ET Q q 0 0 0 rg BT 95.14 633.25 Td (s presentation.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 609.25 Td (Principles of Consolidation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 597.25 Td (The Consolidated Financial Statements include the accounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 585.25 Td (of Citigroup and its subsidiaries prepared in accordance with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 573.25 Td (U.S. Generally ) Tj ET Q q 0 0 0 rg BT 97.66 573.25 Td (Accepted ) Tj ET Q q 0 0 0 rg BT 137.36 573.25 Td (Accounting Principles \(GAAP\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 561.25 Td (The Company consolidates subsidiaries in which it holds, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 549.25 Td (directly or indirectly) Tj ET Q q 0 0 0 rg BT 117.54 549.25 Td (, more than 50% of the voting rights or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 537.25 Td (where it exercises control. Entities where the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 525.25 Td (holds 20% to 50% of the voting rights and/or has the ability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 513.25 Td (to exercise significant influence, other than investments of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 501.25 Td (designated venture capital subsidiaries or investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 489.25 Td (accounted for at fair value under the fair value option, are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 477.25 Td (accounted for under the equity method, and the pro rata ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 465.25 Td (share of their income \(loss\) is included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 204.29 465.25 Td (Other r) Tj ET Q q 0 0 0 rg BT 233.64 465.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.40 465.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 453.25 Td (Income from investments in less than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.19 453.25 Td (20%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.52 453.25 Td ( owned companies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 441.25 Td (is recognized when dividends are received. ) Tj ET Q q 0 0 0 rg BT 210.10 441.25 Td (As discussed in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 429.25 Td (more detail in Note 22 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 417.25 Td (Statements, Citigroup also consolidates entities deemed to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 405.25 Td (variable interest entities when Citigroup is determined to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 393.25 Td (the primary beneficiary) Tj ET Q q 0 0 0 rg BT 129.19 393.25 Td (. Gains and losses on the disposition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 381.25 Td (of branches, subsidiaries, af) Tj ET Q q 0 0 0 rg BT 147.17 381.25 Td (filiates, buildings, and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 369.25 Td (investments are included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 148.19 369.25 Td (Other r) Tj ET Q q 0 0 0 rg BT 177.54 369.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.30 369.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 345.25 Td (Citibank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 333.25 Td (Citibank, N.A. \(Citibank\) is a commercial bank and wholly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 321.25 Td (owned subsidiary of Citigroup. Citibank) Tj ET Q q 0 0 0 rg BT 200.16 321.25 Td (s principal of) Tj ET Q q 0 0 0 rg BT 252.74 321.25 Td (ferings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 309.25 Td (include: consumer finance, mortgage lending and retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 297.25 Td (banking \(including commercial banking\) products and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 285.25 Td (services; investment banking, cash management and trade ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 273.25 Td (finance; and private banking products and services.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 249.25 Td (V) Tj ET Q q 0 0 0 rg BT 42.30 249.25 Td (ariable Inter) Tj ET Q q 0 0 0 rg BT 96.28 249.25 Td (est Entities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 237.25 Td (An entity is referred to as a variable interest entity \(VIE\) if it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 225.25 Td (meets the criteria outlined in ) Tj ET Q q 0 0 0 rg BT 152.35 225.25 Td (Accounting Standards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 213.25 Td (Codification \(ASC\) ) Tj ET Q q 0 0 0 rg BT 116.92 213.25 Td (T) Tj ET Q q 0 0 0 rg BT 122.33 213.25 Td (opic 810, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 162.05 213.25 Td (Consolidation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.72 213.25 Td (, which are: \(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 201.25 Td (the entity has equity that is insuf) Tj ET Q q 0 0 0 rg BT 165.80 201.25 Td (ficient to permit the entity to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 189.25 Td (finance its activities without additional subordinated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 177.25 Td (financial support from other parties; or \(ii\) the entity has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 165.25 Td (equity investors that cannot make significant decisions about ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 153.25 Td (the entity) Tj ET Q q 0 0 0 rg BT 76.27 153.25 Td (s operations or that do not absorb their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 141.25 Td (proportionate share of the entity) Tj ET Q q 0 0 0 rg BT 167.07 141.25 Td (s expected losses or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 129.25 Td (expected returns.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 117.25 Td (The Company consolidates a ) Tj ET Q q 0 0 0 rg BT 172.13 117.25 Td (VIE when it has both the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 105.25 Td (power to direct the activities that most significantly impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 93.25 Td (the ) Tj ET Q q 0 0 0 rg BT 50.54 93.25 Td (VIE) Tj ET Q q 0 0 0 rg BT 69.97 93.25 Td (s economic performance and a right to receive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 81.25 Td (benefits or the obligation to absorb losses of the entity that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 69.25 Td (could be potentially significant to the ) Tj ET Q q 0 0 0 rg BT 187.45 69.25 Td (VIE \(that is, Citi is the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 57.25 Td (primary beneficiary\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 729.25 Td (In addition to variable interests held in consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 717.25 Td (VIEs, the Company has variable interests in other ) Tj ET Q q 0 0 0 rg BT 518.16 717.25 Td (VIEs that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 705.25 Td (are not consolidated because the Company is not the primary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 693.25 Td (beneficiary) Tj ET Q q 0 0 0 rg BT 361.32 693.25 Td (. ) Tj ET Q q 0 0 0 rg BT 366.14 693.25 Td (These include multi-seller finance companies, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 681.25 Td (certain collateralized loan obligations \(CLOs\), many ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 669.25 Td (structured finance transactions and various investment funds. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 657.25 Td (However) Tj ET Q q 0 0 0 rg BT 353.25 657.25 Td (, these ) Tj ET Q q 0 0 0 rg BT 381.12 657.25 Td (VIEs and all other unconsolidated ) Tj ET Q q 0 0 0 rg BT 519.51 657.25 Td (VIEs are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 645.25 Td (monitored by the Company to assess whether any events ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 633.25 Td (have occurred to cause its primary beneficiary status to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 621.25 Td (change. ) Tj ET Q q 0 0 0 rg BT 350.13 621.25 Td (These events include:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 603.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 603.25 Td (purchases or sales of variable interests by Citigroup or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 591.25 Td (an unrelated third party) Tj ET Q q 0 0 0 rg BT 427.92 591.25 Td (, which cause Citigroup) Tj ET Q q 0 0 0 rg BT 525.68 591.25 Td (s overall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 579.25 Td (variable interest ownership to change;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 567.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 567.25 Td (changes in contractual arrangements that reallocate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 555.25 Td (expected losses and residual returns among the variable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 543.25 Td (interest holders;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 531.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 531.25 Td (changes in the party that has power to direct the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 519.25 Td (activities of a ) Tj ET Q q 0 0 0 rg BT 391.19 519.25 Td (VIE that most significantly impact the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 507.25 Td (entity) Tj ET Q q 0 0 0 rg BT 360.55 507.25 Td (s economic performance; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 495.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 495.25 Td (providing financial support to an entity that results in an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 483.25 Td (implicit variable interest.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 459.25 Td (All other entities not deemed to be ) Tj ET Q q 0 0 0 rg BT 475.62 459.25 Td (VIEs with which the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 447.25 Td (Company has involvement are evaluated for consolidation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 435.25 Td (under other subtopics of ) Tj ET Q q 0 0 0 rg BT 415.87 435.25 Td (ASC 810.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 411.25 Td (For) Tj ET Q q 0 0 0 rg BT 332.37 411.25 Td (eign Curr) Tj ET Q q 0 0 0 rg BT 374.12 411.25 Td (ency ) Tj ET Q q 0 0 0 rg BT 395.88 411.25 Td (T) Tj ET Q q 0 0 0 rg BT 401.81 411.25 Td (ranslation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 399.25 Td (Assets and liabilities of Citi) Tj ET Q q 0 0 0 rg BT 430.88 399.25 Td (s foreign operations are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 387.25 Td (translated from their respective functional currencies into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 375.25 Td (U.S. dollars using period-end spot foreign-exchange rates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 363.25 Td (The ef) Tj ET Q q 0 0 0 rg BT 342.63 363.25 Td (fects of those translation adjustments are reported in) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 551.74 363.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 351.25 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 420.49 351.25 Td (ehensive income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.01 351.25 Td (, a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 339.25 Td (component of stockholders) Tj ET Q q 0 0 0 rg BT 427.90 339.25 Td ( equity) Tj ET Q q 0 0 0 rg BT 454.74 339.25 Td (, along with any related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 327.25 Td (hedge and tax ef) Tj ET Q q 0 0 0 rg BT 382.62 327.25 Td (fects, until realized upon sale or substantial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 315.25 Td (liquidation of the foreign operation. Revenues and expenses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 303.25 Td (of Citi) Tj ET Q q 0 0 0 rg BT 345.61 303.25 Td (s foreign operations are translated monthly from their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 291.25 Td (respective functional currencies into U.S. dollars at amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 279.25 Td (that approximate weighted average exchange rates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 267.25 Td (For transactions whose terms are denominated in a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 255.25 Td (currency other than the functional currency) Tj ET Q q 0 0 0 rg BT 489.32 255.25 Td (, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 243.25 Td (transactions denominated in the local currencies of foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 231.25 Td (operations with the U.S. dollar as their functional currency) Tj ET Q q 0 0 0 rg BT 551.28 231.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 219.25 Td (the ef) Tj ET Q q 0 0 0 rg BT 339.30 219.25 Td (fects of changes in exchange rates are primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 207.25 Td (included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 364.21 207.25 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.93 207.25 Td (, along with the related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 195.25 Td (ef) Tj ET Q q 0 0 0 rg BT 324.59 195.25 Td (fects of any economic hedges. Instruments used to hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 183.25 Td (foreign currency exposures include foreign currency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 171.25 Td (forward, option and swap contracts and in certain instances, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 159.25 Td (designated issues of non-U.S. dollar debt. Foreign operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 147.25 Td (in countries with highly inflationary economies designate the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 135.25 Td (U.S. dollar as their functional currency) Tj ET Q q 0 0 0 rg BT 472.13 135.25 Td (, with the ef) Tj ET Q q 0 0 0 rg BT 519.71 135.25 Td (fects of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 123.25 Td (changes in exchange rates primarily included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 510.54 123.25 Td (Other ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 111.25 Td (r) Tj ET Q q 0 0 0 rg BT 320.52 111.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.27 111.25 Td (.) Tj ET Q endstream endobj 283 0 obj <> endobj 284 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (139) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Investment Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (Investments include fixed income and equity securities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (Fixed income instruments include bonds, notes and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (redeemable preferred stocks, as well as certain loan-backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (and structured securities that are subject to prepayment risk. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (Equity securities include common and nonredeemable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (preferred stock.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 658.25 Td (Investment securities are classified and accounted for as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 628.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 628.25 Td (Fixed income securities classified as held-to-maturity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 616.25 Td (are securities that the Company has both the ability and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 604.25 Td (the intent to hold until maturity and are carried at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 592.25 Td (amortized cost. Interest income on such securities is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 580.25 Td (included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 101.21 580.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 120.28 580.25 Td (est r) Tj ET Q q 0 0 0 rg BT 137.41 580.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.16 580.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 568.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 568.25 Td (Fixed income securities and marketable equity securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 556.25 Td (classified as available-for) Tj ET Q q 0 0 0 rg BT 160.41 556.25 Td (-sale are carried at fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 544.25 Td (with changes in fair value reported in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 205.89 544.25 Td (Accumulated ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 532.25 Td (other compr) Tj ET Q q 0 0 0 rg BT 102.79 532.25 Td (ehensive income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.31 532.25 Td (, a component of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 520.25 Td (Stockholders) Tj ET Q q 0 0 0 rg BT 108.80 520.25 Td ( equity) Tj ET Q q 0 0 0 rg BT 135.65 520.25 Td (, net of applicable income taxes and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 508.25 Td (hedges. Realized gains and losses on sales are included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 496.25 Td (in income primarily on a specific identification cost ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 484.25 Td (basis. Interest and dividend income on such securities is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 472.25 Td (included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 101.21 472.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 120.28 472.25 Td (est r) Tj ET Q q 0 0 0 rg BT 137.41 472.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.16 472.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 460.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 460.25 Td (Certain investments in non-marketable equity securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 448.25 Td (and certain investments that would otherwise have been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 436.25 Td (accounted for using the equity method are carried at fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 424.25 Td (value, since the Company has elected to apply fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 412.25 Td (accounting. Changes in fair value of such investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 400.25 Td (are recorded in earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 388.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 388.25 Td (Certain non-marketable equity securities are carried at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 376.25 Td (cost and are periodically assessed for other) Tj ET Q q 0 0 0 rg BT 225.40 376.25 Td (-than-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 364.25 Td (temporary impairment, as described in Note 14 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 352.25 Td (Consolidated Financial Statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 328.25 Td (For investments in fixed income securities classified as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 316.25 Td (held-to-maturity or available-for) Tj ET Q q 0 0 0 rg BT 165.75 316.25 Td (-sale, the accrual of interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 304.25 Td (income is suspended for investments that are in default or for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 292.25 Td (which it is likely that future interest payments will not be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 280.25 Td (made as scheduled. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 268.25 Td (Investment securities are subject to evaluation for other) Tj ET Q q 0 0 0 rg BT 275.67 268.25 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 256.25 Td (than-temporary impairment as described in Note 14 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 244.25 Td (Consolidated Financial Statements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 232.25 Td (The Company uses a number of valuation techniques for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 220.25 Td (investments carried at fair value, which are described in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 208.25 Td (Note 25 to the Consolidated Financial Statements. Realized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 196.25 Td (gains and losses on sales of investments are included in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 184.25 Td (earnings.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 322.93 742.25 Td (rading ) Tj ET Q q 0 0 0 rg BT 353.22 742.25 Td (Account ) Tj ET Q q 0 0 0 rg BT 390.72 742.25 Td (Assets and Liabilities) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 730.25 Td (T) Tj ET Q q 0 0 0 rg BT 322.01 730.25 Td (rading account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.23 730.25 Td ( include debt and marketable equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.25 Td (securities, derivatives in a receivable position, residual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.25 Td (interests in securitizations and physical commodities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.25 Td (inventory) Tj ET Q q 0 0 0 rg BT 354.68 694.25 Td (. In addition, as described in Note 26 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.25 Td (Consolidated Financial Statements, certain assets that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.25 Td (Citigroup has elected to carry at fair value under the fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.25 Td (value option, such as loans and purchased guarantees, are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.25 Td (also included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 382.82 646.25 Td (T) Tj ET Q q 0 0 0 rg BT 387.83 646.25 Td (rading account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.05 646.25 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 335.00 634.25 Td (T) Tj ET Q q 0 0 0 rg BT 340.01 634.25 Td (rading account liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.11 634.25 Td ( include securities sold, not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.25 Td (yet purchased \(short positions\) and derivatives in a net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.25 Td (payable position, as well as certain liabilities that Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.25 Td (has elected to carry at fair value \(as described in Note 26 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.25 Td (the Consolidated Financial Statements\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 574.25 Td (Other than physical commodities inventory) Tj ET Q q 0 0 0 rg BT 507.65 574.25 Td (, all trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.25 Td (account assets and liabilities are carried at fair value. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.25 Td (Revenues generated from trading assets and trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.25 Td (liabilities are generally reported in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 457.22 538.25 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.94 538.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 526.25 Td (and include realized gains and losses as well as unrealized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 514.25 Td (gains and losses resulting from changes in the fair value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 502.25 Td (such instruments. Interest income on trading assets is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.25 Td (recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 364.75 490.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 383.82 490.25 Td (est r) Tj ET Q q 0 0 0 rg BT 400.95 490.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.70 490.25 Td ( reduced by interest expense on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.25 Td (trading liabilities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 466.25 Td (Physical commodities inventory is carried at the lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 454.25 Td (of cost or market with related losses reported in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 510.00 454.25 Td (Principal ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 442.25 Td (transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.45 442.25 Td (. Realized gains and losses on sales of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.25 Td (commodities inventory are included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 473.90 430.25 Td (Principal ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 418.25 Td (transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.45 418.25 Td (. Investments in unallocated precious metals ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.25 Td (accounts \(gold, silver) Tj ET Q q 0 0 0 rg BT 402.41 406.25 Td (, platinum and palladium\) are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 394.25 Td (accounted for as hybrid instruments containing a debt host ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.25 Td (contract and an embedded non-financial derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.25 Td (instrument indexed to the price of the relevant precious ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.25 Td (metal. ) Tj ET Q q 0 0 0 rg BT 344.03 358.25 Td (The embedded derivative instrument is separated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 346.25 Td (from the debt host contract and accounted for at fair value. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.25 Td (The debt host contract is accounted for at fair value under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.25 Td (the fair value option, as described in Note 26 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 310.25 Td (Consolidated Financial Statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 298.25 Td (Derivatives used for trading purposes include interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.25 Td (rate, currency) Tj ET Q q 0 0 0 rg BT 371.31 286.25 Td (, equity) Tj ET Q q 0 0 0 rg BT 400.66 286.25 Td (, credit, and commodity swap ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.25 Td (agreements, options, caps and floors, warrants, and financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.25 Td (and commodity futures and forward contracts. Derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.25 Td (asset and liability positions are presented net by counterparty ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 238.25 Td (on the Consolidated Balance Sheet when a valid master ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.25 Td (netting agreement exists and the other conditions set out in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.25 Td (ASC 210-20, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 372.28 214.25 Td (Balance SheetOffsetting,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.04 214.25 Td ( are met. See Note ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.25 Td (23 to the Consolidated Financial Statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 190.25 Td (The Company uses a number of techniques to determine ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 178.25 Td (the fair value of trading assets and liabilities, which are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 166.25 Td (described in Note 25 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.25 Td (Statements.) Tj ET Q endstream endobj 285 0 obj <> endobj 286 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (140) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Securities Borr) Tj ET Q q 0 0 0 rg BT 100.52 742.25 Td (owed and Securities Loaned) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (Securities borrowing and lending transactions do not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (constitute a sale of the underlying securities for accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (purposes and are treated as collateralized financing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (transactions. Such transactions are recorded at the amount of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (proceeds advanced or received plus accrued interest. ) Tj ET Q q 0 0 0 rg BT 248.12 682.25 Td (As ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (described in Note 26 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (Statements, the Company has elected to apply fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (accounting to a number of securities borrowing and lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.25 Td (transactions. Fees paid or received for all securities lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.25 Td (and borrowing transactions are recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 209.82 622.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 228.89 622.25 Td (est expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 Td (or ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 46.83 610.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 65.90 610.25 Td (est r) Tj ET Q q 0 0 0 rg BT 83.03 610.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.78 610.25 Td ( at the contractually specified rate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 598.25 Td (The Company monitors the fair value of securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.25 Td (borrowed or loaned on a daily basis and obtains or posts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.25 Td (additional collateral in order to maintain contractual mar) Tj ET Q q 0 0 0 rg BT 262.12 574.25 Td (gin ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.25 Td (protection.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 550.25 Td (As described in Note 25 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.25 Td (Statements, the Company uses a discounted cash flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.25 Td (technique to determine the fair value of securities lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.25 Td (and borrowing transactions.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 490.25 Td (Repur) Tj ET Q q 0 0 0 rg BT 63.04 490.25 Td (chase and Resale ) Tj ET Q q 0 0 0 rg BT 137.21 490.25 Td (Agr) Tj ET Q q 0 0 0 rg BT 153.69 490.25 Td (eements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.25 Td (Securities sold under agreements to repurchase \(repos\) and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.25 Td (securities purchased under agreements to resell \(reverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.25 Td (repos\) do not constitute a sale \(or purchase\) of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.25 Td (underlying securities for accounting purposes and are treated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.25 Td (as collateralized financing transactions. ) Tj ET Q q 0 0 0 rg BT 195.66 430.25 Td (As described in Note ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.25 Td (26 to the Consolidated Financial Statements, the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.25 Td (has elected to apply fair value accounting to the majority of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.25 Td (such transactions, with changes in fair value reported in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.25 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 74.33 382.25 Td (Any transactions for which fair value accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.25 Td (has not been elected are recorded at the amount of cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.25 Td (advanced or received plus accrued interest. Irrespective of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.25 Td (whether the Company has elected fair value accounting, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.25 Td (interest paid or received on all repo and reverse repo ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.25 Td (transactions is recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 143.19 322.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 162.25 322.25 Td (est expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.51 322.25 Td ( or ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 220.84 322.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 239.91 322.25 Td (est ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 310.25 Td (r) Tj ET Q q 0 0 0 rg BT 39.52 310.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.27 310.25 Td ( at the contractually specified rate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 298.25 Td (Where the conditions of ) Tj ET Q q 0 0 0 rg BT 152.31 298.25 Td (ASC 210-20-45-1) Tj ET Q q 0 0 0 rg BT 223.88 298.25 Td (1, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 233.88 298.25 Td (Balance ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 286.25 Td (Sheet-Offsetting: Repur) Tj ET Q q 0 0 0 rg BT 130.33 286.25 Td (chase and Reverse Repur) Tj ET Q q 0 0 0 rg BT 231.31 286.25 Td (chase ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 274.25 Td (Agr) Tj ET Q q 0 0 0 rg BT 50.63 274.25 Td (eements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.84 274.25 Td (, are met, repos and reverse repos are presented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.25 Td (net on the Consolidated Balance Sheet.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 250.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 113.71 250.25 Td (s policy is to take possession of securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.25 Td (purchased under reverse repurchase agreements. ) Tj ET Q q 0 0 0 rg BT 231.83 238.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.25 Td (Company monitors the fair value of securities subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.25 Td (repurchase or resale on a daily basis and obtains or posts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.25 Td (additional collateral in order to maintain contractual mar) Tj ET Q q 0 0 0 rg BT 262.12 202.25 Td (gin ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.25 Td (protection.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 178.25 Td (As described in Note 25 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.25 Td (Statements, the Company uses a discounted cash flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.25 Td (technique to determine the fair value of repo and reverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.25 Td (repo transactions.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 118.25 Td (Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.25 Td (Loans are reported at their outstanding principal balances net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.25 Td (of any unearned income and unamortized deferred fees and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 82.25 Td (costs except that credit card receivable balances also include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.25 Td (accrued interest and fees. Loan origination fees and certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.25 Td (direct origination costs are generally deferred and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (recognized as adjustments to income over the lives of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (related loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 718.10 Td (As described in Note 26 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (Statements, Citi has elected fair value accounting for certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (loans. Such loans are carried at fair value with changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (fair value reported in earnings. Interest income on such loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (is recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 373.92 670.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 392.99 670.10 Td (est r) Tj ET Q q 0 0 0 rg BT 410.12 670.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.87 670.10 Td ( at the contractually specified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (rate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 646.10 Td (Loans for which the fair value option has not been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (elected are classified upon origination or acquisition as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (either held-for) Tj ET Q q 0 0 0 rg BT 374.27 622.10 Td (-investment or held-for) Tj ET Q q 0 0 0 rg BT 466.82 622.10 Td (-sale. ) Tj ET Q q 0 0 0 rg BT 490.52 622.10 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (classification is based on management) Tj ET Q q 0 0 0 rg BT 473.06 610.10 Td (s initial intent and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (ability with regard to those loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 586.10 Td (Loans that are held-for) Tj ET Q q 0 0 0 rg BT 426.15 586.10 Td (-investment are classified as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (Loans, net of unearned income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.59 574.10 Td ( on the Consolidated Balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (Sheet, and the related cash flows are included within the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (cash flows from investing activities category in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (Consolidated Statement of Cash Flows on the line ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 519.76 538.10 Td (Change in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 Td (loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.67 526.10 Td (. However) Tj ET Q q 0 0 0 rg BT 379.92 526.10 Td (, when the initial intent for holding a loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 514.10 Td (has changed from held-for) Tj ET Q q 0 0 0 rg BT 422.59 514.10 Td (-investment to held-for) Tj ET Q q 0 0 0 rg BT 514.59 514.10 Td (-sale, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 502.10 Td (loan is reclassified to held-for) Tj ET Q q 0 0 0 rg BT 436.20 502.10 Td (-sale, but the related cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (flows continue to be reported in cash flows from investing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (activities in the Consolidated Statement of Cash Flows on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 466.10 Td (the line ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 349.21 466.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 358.84 466.10 Td (oceeds fr) Tj ET Q q 0 0 0 rg BT 394.85 466.10 Td (om sales and securitizations of loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 466.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (Consumer Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (Consumer loans represent loans and leases managed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.10 Td (primarily by the) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 381.43 418.10 Td ( Global Consumer Banking \(GCB\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.31 418.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.10 Td (businesses and Citi Holdings.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (Consumer Non-accrual and Re-aging Policies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 Td (As a general rule, interest accrual ceases for installment and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 Td (real estate \(both open- and closed-end\) loans when payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.71 346.10 Td (90 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.54 346.10 Td ( contractually past due. For credit cards and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 Td (unsecured revolving loans, however) Tj ET Q q 0 0 0 rg BT 461.00 334.10 Td (, Citi generally accrues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 Td (interest until payments are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.30 322.10 Td (180 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.13 322.10 Td ( past due. ) Tj ET Q q 0 0 0 rg BT 501.13 322.10 Td (As a result of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 310.10 Td (OCC guidance, home equity loans in regulated bank entities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (are classified as non-accrual if the related residential first ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (mortgage is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.43 286.10 Td (90 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.26 286.10 Td ( or more past due. ) Tj ET Q q 0 0 0 rg BT 471.14 286.10 Td (Also as a result of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (OCC guidance, mortgage loans in regulated bank entities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.10 Td (dischar) Tj ET Q q 0 0 0 rg BT 345.70 262.10 Td (ged through Chapter 7 bankruptcy) Tj ET Q q 0 0 0 rg BT 482.23 262.10 Td (, other than FHA-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 Td (insured loans, are classified as non-accrual. Commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 238.10 Td (market loans are placed on a cash \(non-accrual\) basis when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.10 Td (it is determined, based on actual experience and a forward-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 Td (looking assessment of the collectability of the loan in full, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.10 Td (that the payment of interest or principal is doubtful or when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.10 Td (interest or principal is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.98 190.10 Td (90 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.81 190.10 Td ( past due.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 178.10 Td (Loans that have been modified to grant a concession to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 166.10 Td (a borrower in financial dif) Tj ET Q q 0 0 0 rg BT 421.78 166.10 Td (ficulty may not be accruing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 Td (interest at the time of the modification. ) Tj ET Q q 0 0 0 rg BT 475.11 154.10 Td (The policy for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 142.10 Td (returning such modified loans to accrual status varies by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 130.10 Td (product and/or region. In most cases, a minimum number of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 118.10 Td (payments \(ranging from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.14 118.10 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.58 118.10 Td ( to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.36 118.10 Td (six) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.03 118.10 Td (\) is required, while in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 106.10 Td (other cases the loan is never returned to accrual status. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 94.10 Td (regulated bank entities, such modified loans are returned to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 82.10 Td (accrual status if a credit evaluation at the time of, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 70.10 Td (subsequent to, the modification indicates the borrower is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 58.10 Td (able to meet the restructured terms, and the borrower is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 46.10 Td (current and has demonstrated a reasonable period of ) Tj ET Q endstream endobj 287 0 obj <> endobj 288 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (141) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (sustained payment performance \(minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.39 742.10 Td (six months) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.01 742.10 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (consecutive payments\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 718.10 Td (For U.S. consumer loans, generally one of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (conditions to qualify for modification is that a minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (number of payments \(typically ranging from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.51 694.10 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.95 694.10 Td ( to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.72 694.10 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.71 694.10 Td (\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (must be made. Upon modification, the loan is re-aged to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (current status. However) Tj ET Q q 0 0 0 rg BT 130.84 670.10 Td (, re-aging practices for certain open-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (ended consumer loans, such as credit cards, are governed by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (Federal Financial Institutions Examination Council \(FFIEC\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.10 Td (guidelines. For open-ended consumer loans subject to FFIEC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (guidelines, one of the conditions for the loan to be re-aged to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 Td (current status is that at least ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.30 610.10 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.29 610.10 Td ( consecutive minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (monthly payments, or the equivalent amount, must be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (received. In addition, under FFIEC guidelines, the number of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 Td (times that such a loan can be re-aged is subject to limitations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.10 Td (\(generally once in 12 months and twice in five years\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.10 Td (Furthermore, Federal Housing ) Tj ET Q q 0 0 0 rg BT 159.31 550.10 Td (Administration \(FHA\) and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 Td (Department of ) Tj ET Q q 0 0 0 rg BT 96.35 538.10 Td (V) Tj ET Q q 0 0 0 rg BT 102.46 538.10 Td (eterans ) Tj ET Q q 0 0 0 rg BT 132.73 538.10 Td (Af) Tj ET Q q 0 0 0 rg BT 143.10 538.10 Td (fairs \(V) Tj ET Q q 0 0 0 rg BT 172.63 538.10 Td (A\) loans may only be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (modified under those respective agencies) Tj ET Q q 0 0 0 rg BT 203.52 526.10 Td ( guidelines and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (payments are not always required in order to re-age a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.10 Td (modified loan to current.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 478.10 Td (Consumer Char) Tj ET Q q 0 0 0 rg BT 99.80 478.10 Td (ge-Off Policies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 466.10 Td (s char) Tj ET Q q 0 0 0 rg BT 77.20 466.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 98.12 466.10 Td (f policies follow the general guidelines ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.10 Td (below:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 436.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 436.10 Td (Unsecured installment loans are char) Tj ET Q q 0 0 0 rg BT 201.54 436.10 Td (ged of) Tj ET Q q 0 0 0 rg BT 226.63 436.10 Td (f at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.17 436.10 Td (120 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.00 436.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 424.10 Td (contractually past due.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 412.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 412.10 Td (Unsecured revolving loans and credit card loans are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 400.10 Td (char) Tj ET Q q 0 0 0 rg BT 71.03 400.10 Td (ged of) Tj ET Q q 0 0 0 rg BT 96.11 400.10 Td (f at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.66 400.10 Td (180 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.49 400.10 Td ( contractually past due.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 388.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 388.10 Td (Loans secured with non-real estate collateral are written ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 376.10 Td (down to the estimated value of the collateral, less costs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 364.10 Td (to sell, at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.88 364.10 Td (120 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.71 364.10 Td ( contractually past due.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 352.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 352.10 Td (Real estate-secured loans are written down to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 340.10 Td (estimated value of the property) Tj ET Q q 0 0 0 rg BT 177.75 340.10 Td (, less costs to sell, at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.63 340.10 Td (180 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 328.10 Td (days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.33 328.10 Td ( contractually past due.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 316.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 316.10 Td (Real estate-secured loans are) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.12156862745098039 0.28627450980392155 0.49019607843137253 rg BT 169.77 316.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 172.27 316.10 Td (char) Tj ET Q q 0 0 0 rg BT 189.30 316.10 Td (ged of) Tj ET Q q 0 0 0 rg BT 214.39 316.10 Td (f no later than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 304.10 Td (180 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.83 304.10 Td ( contractually past due if a decision has been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 292.10 Td (made not to foreclose on the loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 280.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 280.10 Td (Non-bank real estate-secured loans are char) Tj ET Q q 0 0 0 rg BT 228.45 280.10 Td (ged of) Tj ET Q q 0 0 0 rg BT 253.54 280.10 Td (f at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 268.10 Td (the earlier of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.58 268.10 Td (180 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.41 268.10 Td ( contractually past due, if there ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 256.10 Td (have been no payments within the last ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.24 256.10 Td (six months) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.86 256.10 Td (, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 244.10 Td (360 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.83 244.10 Td ( contractually past due, if a decision has been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 232.10 Td (made not to foreclose on the loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 220.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 220.10 Td (Non-bank loans secured by real estate are written down ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 208.10 Td (to the estimated value of the property) Tj ET Q q 0 0 0 rg BT 202.75 208.10 Td (, less costs to sell, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 196.10 Td (at the earlier of the receipt of title, the initiation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 184.10 Td (foreclosure \(a process that must commence when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 172.10 Td (payments are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.53 172.10 Td (120 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.36 172.10 Td ( contractually past due\), when the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 160.10 Td (loan is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.89 160.10 Td (180 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.72 160.10 Td ( contractually past due if there have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 148.10 Td (been no payments within the past ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.08 148.10 Td (six months) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.70 148.10 Td ( or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.03 148.10 Td (360 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 136.10 Td (days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.33 136.10 Td ( contractually past due. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 124.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 124.10 Td (Non-bank unsecured personal loans are char) Tj ET Q q 0 0 0 rg BT 231.25 124.10 Td (ged of) Tj ET Q q 0 0 0 rg BT 256.33 124.10 Td (f at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 112.10 Td (the earlier of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.58 112.10 Td (180 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.41 112.10 Td ( contractually past due if there ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 100.10 Td (have been no payments within the last ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.24 100.10 Td (six months) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.86 100.10 Td (, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 88.10 Td (360 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.83 88.10 Td ( contractually past due.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 76.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 76.10 Td (Unsecured loans in bankruptcy are char) Tj ET Q q 0 0 0 rg BT 212.36 76.10 Td (ged of) Tj ET Q q 0 0 0 rg BT 237.45 76.10 Td (f within ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 64.10 Td (60 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.83 64.10 Td ( of notification of filing by the bankruptcy court ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 742.10 Td (or in accordance with Citi) Tj ET Q q 0 0 0 rg BT 441.63 742.10 Td (s char) Tj ET Q q 0 0 0 rg BT 465.05 742.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 485.97 742.10 Td (f policy) Tj ET Q q 0 0 0 rg BT 516.14 742.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 730.10 Td (whichever occurs earlier) Tj ET Q q 0 0 0 rg BT 432.72 730.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 718.10 Td (Consistent with OCC guidance, real estate-secured loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 706.10 Td (that were dischar) Tj ET Q q 0 0 0 rg BT 403.12 706.10 Td (ged through Chapter 7 bankruptcy) Tj ET Q q 0 0 0 rg BT 539.66 706.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 694.10 Td (other than FHA-insured loans, are written down to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 682.10 Td (estimated value of the property) Tj ET Q q 0 0 0 rg BT 458.75 682.10 Td (, less costs to sell. Other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 670.10 Td (real estate-secured loans in bankruptcy are written down ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 658.10 Td (to the estimated value of the property) Tj ET Q q 0 0 0 rg BT 483.75 658.10 Td (, less costs to sell, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 646.10 Td (at the later of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.53 646.10 Td (60 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.36 646.10 Td ( after notification or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.10 646.10 Td (60 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.93 646.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 634.10 Td (contractually past due.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 622.10 Td (Non-bank loans secured by real estate that are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 610.10 Td (dischar) Tj ET Q q 0 0 0 rg BT 363.70 610.10 Td (ged through Chapter 7 bankruptcy are written ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 598.10 Td (down to the estimated value of the property) Tj ET Q q 0 0 0 rg BT 508.47 598.10 Td (, less costs to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 586.10 Td (sell, at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.60 586.10 Td (60 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.43 586.10 Td ( contractually past due.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 574.10 Td (Non-bank unsecured personal loans in bankruptcy are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 562.10 Td (char) Tj ET Q q 0 0 0 rg BT 352.03 562.10 Td (ged of) Tj ET Q q 0 0 0 rg BT 377.11 562.10 Td (f when they are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.53 562.10 Td (30 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.36 562.10 Td ( contractually past ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 550.10 Td (due.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 538.10 Td (Commercial market loans are written down to the extent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 526.10 Td (that principal is judged to be uncollectable.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 502.10 Td (Corporate Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (Corporate loans represent loans and leases managed by ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (Institutional Clients Gr) Tj ET Q q 0 0 0 rg BT 409.97 478.10 Td (oup \(ICG\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.35 478.10 Td (. Corporate loans are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 466.10 Td (identified as impaired and placed on a cash \(non-accrual\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 454.10 Td (basis when it is determined, based on actual experience and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (a forward-looking assessment of the collectability of the loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (in full, that the payment of interest or principal is doubtful or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.10 Td (when interest or principal is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.14 418.10 Td (90 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.97 418.10 Td ( past due, except when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.10 Td (the loan is well collateralized and in the process of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (collection. ) Tj ET Q q 0 0 0 rg BT 360.88 394.10 Td (Any interest accrued on impaired corporate loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (and leases is reversed at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.57 382.10 Td (90 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.40 382.10 Td ( and char) Tj ET Q q 0 0 0 rg BT 482.86 382.10 Td (ged against current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 Td (earnings, and interest is thereafter included in earnings only ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 Td (to the extent actually received in cash. ) Tj ET Q q 0 0 0 rg BT 472.31 358.10 Td (When there is doubt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (regarding the ultimate collectability of principal, all cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 Td (receipts are thereafter applied to reduce the recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 Td (investment in the loan.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 310.10 Td (Impaired corporate loans and leases are written down to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (the extent that principal is deemed to be uncollectable. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (Impaired collateral-dependent loans and leases, where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (repayment is expected to be provided solely by the sale of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.10 Td (the underlying collateral and there are no other available and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 Td (reliable sources of repayment, are written down to the lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 238.10 Td (of cost or collateral value. Cash-basis loans are returned to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.10 Td (accrual status when all contractual principal and interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 Td (amounts are reasonably assured of repayment and there is a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.10 Td (sustained period of repayment performance in accordance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.10 Td (with the contractual terms.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 166.10 Td (Loans Held-for) Tj ET Q q 0 0 0 rg BT 378.19 166.10 Td (-Sale) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 Td (Corporate and consumer loans that have been identified for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 142.10 Td (sale are classified as loans held-for) Tj ET Q q 0 0 0 rg BT 456.46 142.10 Td (-sale and included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 130.10 Td (Other assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.72 130.10 Td (. ) Tj ET Q q 0 0 0 rg BT 371.54 130.10 Td (The practice of Citi) Tj ET Q q 0 0 0 rg BT 452.34 130.10 Td (s U.S. prime mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 118.10 Td (business has been to sell substantially all of its conforming ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 106.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 342.56 106.10 Td (As such, U.S. prime mortgage conforming loans are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 94.10 Td (classified as held-for) Tj ET Q q 0 0 0 rg BT 400.10 94.10 Td (-sale and the fair value option is elected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 82.10 Td (at origination, with changes in fair value recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 529.15 82.10 Td (Other ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 70.10 Td (r) Tj ET Q q 0 0 0 rg BT 320.52 70.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.27 70.10 Td (. ) Tj ET Q q 0 0 0 rg BT 353.09 70.10 Td (W) Tj ET Q q 0 0 0 rg BT 362.13 70.10 Td (ith the exception of those loans for which the fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 58.10 Td (value option has been elected, held-for) Tj ET Q q 0 0 0 rg BT 471.74 58.10 Td (-sale loans are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 46.10 Td (accounted for at the lower of cost or market value, with any ) Tj ET Q endstream endobj 289 0 obj <> endobj 290 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (142) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (write-downs or subsequent recoveries char) Tj ET Q q 0 0 0 rg BT 206.87 742.10 Td (ged to ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 234.09 742.10 Td (Other ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (r) Tj ET Q q 0 0 0 rg BT 39.52 730.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.27 730.10 Td (. ) Tj ET Q q 0 0 0 rg BT 72.09 730.10 Td (The related cash flows are classified in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (Consolidated Statement of Cash Flows in the cash flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (from operating activities category on the line ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 218.44 706.10 Td (Change in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (loans held-for) Tj ET Q q 0 0 0 rg BT 92.19 694.10 Td (-sale) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.63 694.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 95.53 670.10 Td ( Loan Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (Allowance for loan losses represents management) Tj ET Q q 0 0 0 rg BT 238.99 658.10 Td (s best ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (estimate of probable losses inherent in the portfolio, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.10 Td (including probable losses related to lar) Tj ET Q q 0 0 0 rg BT 190.50 634.10 Td (ge individually ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (evaluated impaired loans and troubled debt restructurings. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 Td (Attribution of the allowance is made for analytical purposes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (only) Tj ET Q q 0 0 0 rg BT 53.13 598.10 Td (, and the entire allowance is available to absorb probable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (loan losses inherent in the overall portfolio. ) Tj ET Q q 0 0 0 rg BT 212.07 586.10 Td (Additions to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 Td (allowance are made through the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 166.22 574.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 175.85 574.10 Td (ovision for loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.58 574.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.10 Td (Loan losses are deducted from the allowance and subsequent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.10 Td (recoveries are added. ) Tj ET Q q 0 0 0 rg BT 122.62 550.10 Td (Assets received in exchange for loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 Td (claims in a restructuring are initially recorded at fair value, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (with any gain or loss reflected as a recovery or char) Tj ET Q q 0 0 0 rg BT 242.40 526.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 263.31 526.10 Td (f to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (the provision.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 490.10 Td (Consumer Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.10 Td (For consumer loans, each portfolio of non-modified smaller) Tj ET Q q 0 0 0 rg BT 275.18 478.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td (balance, homogeneous loans is independently evaluated for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.10 Td (impairment by product type \(e.g., residential mortgage, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.10 Td (credit card, etc.\) in accordance with ) Tj ET Q q 0 0 0 rg BT 180.92 442.10 Td (ASC 450, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 430.10 Td (Contingencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.21 430.10 Td (. ) Tj ET Q q 0 0 0 rg BT 98.03 430.10 Td (The allowance for loan losses attributed to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.10 Td (these loans is established via a process that estimates the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.10 Td (probable losses inherent in the specific portfolio. ) Tj ET Q q 0 0 0 rg BT 233.54 406.10 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.10 Td (process includes migration analysis, in which historical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.10 Td (delinquency and credit loss experience is applied to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.10 Td (current aging of the portfolio, together with analyses that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.10 Td (reflect current and anticipated economic conditions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.10 Td (including changes in housing prices and unemployment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.10 Td (trends. Citi) Tj ET Q q 0 0 0 rg BT 83.22 334.10 Td (s allowance for loan losses under ) Tj ET Q q 0 0 0 rg BT 217.63 334.10 Td (ASC 450 only ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.10 Td (considers contractual principal amounts due, except for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.10 Td (credit card loans where estimated loss amounts related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.10 Td (accrued interest receivable are also included.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 286.10 Td (Management also considers overall portfolio indicators, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.10 Td (including historical credit losses, delinquent, non-performing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.10 Td (and classified loans, trends in volumes and terms of loans, an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.10 Td (evaluation of overall credit quality) Tj ET Q q 0 0 0 rg BT 173.63 250.10 Td (, the credit process, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.10 Td (including lending policies and procedures, and economic, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.10 Td (geographical, product and other environmental factors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 214.10 Td (Separate valuation allowances are determined for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.10 Td (impaired smaller) Tj ET Q q 0 0 0 rg BT 103.28 202.10 Td (-balance homogeneous loans whose terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.10 Td (have been modified in a troubled debt restructuring \(TDR\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.10 Td (Long-term modification programs, and short-term \(less than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.10 Td (12 months\) modifications that provide concessions \(such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.10 Td (interest rate reductions\) to borrowers in financial dif) Tj ET Q q 0 0 0 rg BT 244.91 154.10 Td (ficulty) Tj ET Q q 0 0 0 rg BT 270.37 154.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.10 Td (are reported as ) Tj ET Q q 0 0 0 rg BT 97.17 142.10 Td (TDRs. In addition, loan modifications that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.10 Td (involve a trial period are reported as ) Tj ET Q q 0 0 0 rg BT 183.26 130.10 Td (TDRs at the start of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.10 Td (trial period. ) Tj ET Q q 0 0 0 rg BT 84.97 118.10 Td (The allowance for loan losses for ) Tj ET Q q 0 0 0 rg BT 220.30 118.10 Td (TDRs is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.10 Td (determined in accordance with ) Tj ET Q q 0 0 0 rg BT 160.95 106.10 Td (ASC 310-10-35, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 229.56 106.10 Td (Receivables) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 94.10 Td (Subsequent Measur) Tj ET Q q 0 0 0 rg BT 123.12 94.10 Td (ement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.00 94.10 Td ( \(formerly SF) Tj ET Q q 0 0 0 rg BT 200.69 94.10 Td (AS 1) Tj ET Q q 0 0 0 rg BT 220.60 94.10 Td (14\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 82.10 Td (considering all available evidence, including, as appropriate, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.10 Td (the present value of the expected future cash flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.10 Td (discounted at the loan) Tj ET Q q 0 0 0 rg BT 126.25 58.10 Td (s original contractual ef) Tj ET Q q 0 0 0 rg BT 220.76 58.10 Td (fective rate, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 46.10 Td (the secondary market value of the loan and the fair value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (collateral less disposal costs. ) Tj ET Q q 0 0 0 rg BT 434.29 742.10 Td (These expected cash flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (incorporate modification program default rate assumptions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (The original contractual ef) Tj ET Q q 0 0 0 rg BT 423.16 718.10 Td (fective rate for credit card loans is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (the pre-modification rate, which may include interest rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (increases under the original contractual agreement with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 353.10 682.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 670.10 Td (V) Tj ET Q q 0 0 0 rg BT 341.11 670.10 Td (aluation allowances for commercial market loans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (which are classifiably managed Consumer loans, are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (determined in the same manner as for Corporate loans and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (are described in more detail in the following section. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 355.77 622.10 Td (, an asset-specific component is calculated under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (ASC 310-10-35 on an individual basis for lar) Tj ET Q q 0 0 0 rg BT 497.63 610.10 Td (ger) Tj ET Q q 0 0 0 rg BT 510.20 610.10 Td (-balance, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (non-homogeneous loans that are considered impaired and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (the allowance for the remainder of the classifiably managed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (Consumer loan portfolio is calculated under ) Tj ET Q q 0 0 0 rg BT 494.73 574.10 Td (ASC 450 using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (a statistical methodology that may be supplemented by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (management adjustment.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 Td (Corporate Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 514.10 Td (In the corporate portfolios, the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 441.40 514.10 Td (Allowance for loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.46 514.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 502.10 Td (includes an asset-specific component and a statistically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (based component. ) Tj ET Q q 0 0 0 rg BT 391.52 490.10 Td (The asset-specific component is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (calculated under ) Tj ET Q q 0 0 0 rg BT 384.74 478.10 Td (ASC 310-10-35, on an individual basis for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 466.10 Td (lar) Tj ET Q q 0 0 0 rg BT 327.37 466.10 Td (ger) Tj ET Q q 0 0 0 rg BT 339.93 466.10 Td (-balance, non-homogeneous loans, which are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 454.10 Td (considered impaired. ) Tj ET Q q 0 0 0 rg BT 402.81 454.10 Td (An asset-specific allowance is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (established when the discounted cash flows, collateral value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (\(less disposal costs\) or observable market price of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.10 Td (impaired loan are lower than its carrying value. ) Tj ET Q q 0 0 0 rg BT 508.69 418.10 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.10 Td (allowance considers the borrower) Tj ET Q q 0 0 0 rg BT 452.04 406.10 Td () Tj ET Q q 0 0 0 rg BT 454.82 406.10 Td (s overall financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (condition, resources, and payment record, the prospects for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (support from any financially responsible guarantors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 Td (\(discussed further below\) and, if appropriate, the realizable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 Td (value of any collateral. ) Tj ET Q q 0 0 0 rg BT 410.94 358.10 Td (The asset-specific component of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (allowance for smaller balance impaired loans is calculated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 Td (on a pool basis considering historical loss experience.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 322.10 Td (The allowance for the remainder of the loan portfolio is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 310.10 Td (determined under ) Tj ET Q q 0 0 0 rg BT 389.20 310.10 Td (ASC 450 using a statistical methodology) Tj ET Q q 0 0 0 rg BT 552.15 310.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (supplemented by management judgment. ) Tj ET Q q 0 0 0 rg BT 483.72 298.10 Td (The statistical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (analysis considers the portfolio) Tj ET Q q 0 0 0 rg BT 444.48 286.10 Td (s size, remaining tenor and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (credit quality as measured by internal risk ratings assigned to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.10 Td (individual credit facilities, which reflect probability of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 Td (default and loss given default. ) Tj ET Q q 0 0 0 rg BT 439.56 250.10 Td (The statistical analysis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 238.10 Td (considers historical default rates and historical loss severity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.10 Td (in the event of default, including historical average levels ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 Td (and historical variability) Tj ET Q q 0 0 0 rg BT 414.10 214.10 Td (. ) Tj ET Q q 0 0 0 rg BT 418.92 214.10 Td (The result is an estimated range for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.10 Td (inherent losses. ) Tj ET Q q 0 0 0 rg BT 380.97 202.10 Td (The best estimate within the range is then ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.10 Td (determined by management) Tj ET Q q 0 0 0 rg BT 430.85 190.10 Td (s quantitative and qualitative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 178.10 Td (assessment of current conditions, including general ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 166.10 Td (economic conditions, specific industry and geographic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 Td (trends, and internal factors including portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 142.10 Td (concentrations, trends in internal credit quality indicators, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 130.10 Td (and current and past underwriting standards.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 118.10 Td (For both the asset-specific and the statistically based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 106.10 Td (components of the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 393.37 106.10 Td (Allowance for loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.42 106.10 Td (, management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 94.10 Td (may incorporate guarantor support. ) Tj ET Q q 0 0 0 rg BT 460.38 94.10 Td (The financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 82.10 Td (wherewithal of the guarantor is evaluated, as applicable, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 70.10 Td (based on net worth, cash flow statements and personal or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 58.10 Td (company financial statements which are updated and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 46.10 Td (reviewed at least annually) Tj ET Q q 0 0 0 rg BT 420.47 46.10 Td (. Citi seeks performance on ) Tj ET Q endstream endobj 291 0 obj <> endobj 292 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (143) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (guarantee arrangements in the normal course of business. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (Seeking performance entails obtaining satisfactory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (cooperation from the guarantor or borrower in the specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (situation. ) Tj ET Q q 0 0 0 rg BT 75.26 706.10 Td (This regular cooperation is indicative of pursuit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (and successful enforcement of the guarantee; the exposure is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (reduced without the expense and burden of pursuing a legal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (remedy) Tj ET Q q 0 0 0 rg BT 65.34 670.10 Td (. ) Tj ET Q q 0 0 0 rg BT 69.78 670.10 Td (A) Tj ET Q q 0 0 0 rg BT 76.45 670.10 Td ( guarantor) Tj ET Q q 0 0 0 rg BT 117.64 670.10 Td () Tj ET Q q 0 0 0 rg BT 120.42 670.10 Td (s reputation and willingness to work ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (with Citigroup is evaluated based on the historical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (experience with the guarantor and the knowledge of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.10 Td (marketplace. In the rare event that the guarantor is unwilling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (or unable to perform or facilitate borrower cooperation, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 Td (pursues a legal remedy; however) Tj ET Q q 0 0 0 rg BT 167.22 610.10 Td (, enforcing a guarantee via ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (legal action against the guarantor is not the primary means of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (resolving a troubled loan situation and rarely occurs. If Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 Td (does not pursue a legal remedy) Tj ET Q q 0 0 0 rg BT 159.48 574.10 Td (, it is because Citi does not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.10 Td (believe that the guarantor has the financial wherewithal to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.10 Td (perform regardless of legal action or because there are legal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 Td (limitations on simultaneously pursuing guarantors and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (foreclosure. ) Tj ET Q q 0 0 0 rg BT 85.42 526.10 Td (A) Tj ET Q q 0 0 0 rg BT 92.09 526.10 Td ( guarantor) Tj ET Q q 0 0 0 rg BT 133.28 526.10 Td () Tj ET Q q 0 0 0 rg BT 136.06 526.10 Td (s reputation does not impact Citi) Tj ET Q q 0 0 0 rg BT 269.10 526.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (decision or ability to seek performance under the guarantee.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 502.10 Td (In cases where a guarantee is a factor in the assessment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.10 Td (of loan losses, it is included via adjustment to the loan) Tj ET Q q 0 0 0 rg BT 255.69 490.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.10 Td (internal risk rating, which in turn is the basis for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td (adjustment to the statistically based component of the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 454.10 Td (Allowance for loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.05 454.10 Td (. ) Tj ET Q q 0 0 0 rg BT 143.87 454.10 Td (T) Tj ET Q q 0 0 0 rg BT 149.28 454.10 Td (o date, it is only in rare ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.10 Td (circumstances that an impaired commercial loan or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.10 Td (commercial real estate loan is carried at a value in excess of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.10 Td (the appraised value due to a guarantee.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 406.10 Td (When Citi) Tj ET Q q 0 0 0 rg BT 98.16 406.10 Td (s monitoring of the loan indicates that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.10 Td (guarantor) Tj ET Q q 0 0 0 rg BT 74.69 394.10 Td () Tj ET Q q 0 0 0 rg BT 77.46 394.10 Td (s wherewithal to pay is uncertain or has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.10 Td (deteriorated, there is either no change in the risk rating, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.10 Td (because the guarantor) Tj ET Q q 0 0 0 rg BT 123.55 370.10 Td () Tj ET Q q 0 0 0 rg BT 126.33 370.10 Td (s credit support was never initially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.10 Td (factored in, or the risk rating is adjusted to reflect that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.10 Td (uncertainty or deterioration. ) Tj ET Q q 0 0 0 rg BT 149.85 346.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 199.18 346.10 Td (, a guarantor) Tj ET Q q 0 0 0 rg BT 249.81 346.10 Td () Tj ET Q q 0 0 0 rg BT 252.59 346.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.10 Td (ultimate failure to perform or a lack of legal enforcement of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.10 Td (the guarantee does not materially impact the allowance for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.10 Td (loan losses, as there is typically no further significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.10 Td (adjustment of the loan) Tj ET Q q 0 0 0 rg BT 127.92 298.10 Td (s risk rating at that time. ) Tj ET Q q 0 0 0 rg BT 227.45 298.10 Td (Where Citi is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.10 Td (not seeking performance under the guarantee contract, it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.10 Td (provides for loan losses as if the loans were non-performing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.10 Td (and not guaranteed.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 238.10 Td (Reserve Estimates and Policies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.10 Td (Management provides reserves for an estimate of probable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.10 Td (losses inherent in the funded loan portfolio on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.10 Td (Consolidated Balance Sheet in the form of an allowance for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.10 Td (loan losses. ) Tj ET Q q 0 0 0 rg BT 84.43 190.10 Td (These reserves are established in accordance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.10 Td (with Citigroup) Tj ET Q q 0 0 0 rg BT 97.39 178.10 Td (s credit reserve policies, as approved by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.10 Td (Audit Committee of the Citigroup Board of Directors. Citi) Tj ET Q q 0 0 0 rg BT 272.36 166.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.10 Td (Chief Risk Of) Tj ET Q q 0 0 0 rg BT 91.93 154.10 Td (ficer and Chief Financial Of) Tj ET Q q 0 0 0 rg BT 204.48 154.10 Td (ficer review the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.10 Td (adequacy of the credit loss reserves each quarter with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.10 Td (representatives from the risk management and finance staf) Tj ET Q q 0 0 0 rg BT 269.33 130.10 Td (fs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.10 Td (for each applicable business area. ) Tj ET Q q 0 0 0 rg BT 172.05 118.10 Td (Applicable business areas ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.10 Td (include those having classifiably managed portfolios, where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.10 Td (internal credit-risk ratings are assigned \(primarily ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 237.04 94.10 Td (ICG ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.76 94.10 Td (and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 82.10 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 82.10 Td (\) or modified Consumer loans, where concessions were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.10 Td (granted due to the borrowers) Tj ET Q q 0 0 0 rg BT 153.55 70.10 Td ( financial dif) Tj ET Q q 0 0 0 rg BT 204.46 70.10 Td (ficulties.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 58.10 Td (The above-mentioned representatives for these business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 46.10 Td (areas present recommended reserve balances for their funded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (and unfunded lending portfolios along with supporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (quantitative and qualitative data discussed below:) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (Estimated pr) Tj ET Q q 0 0 0 rg BT 368.02 706.10 Td (obable losses for non-performing, non-) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (homogeneous exposur) Tj ET Q q 0 0 0 rg BT 405.78 694.10 Td (es within a business line) Tj ET Q q 0 0 0 rg BT 505.04 694.10 Td (s classifiably ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (managed portfolio and impair) Tj ET Q q 0 0 0 rg BT 437.46 682.10 Td (ed smaller) Tj ET Q q 0 0 0 rg BT 479.20 682.10 Td (-balance ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (homogeneous loans whose terms have been modified due to ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (the borr) Tj ET Q q 0 0 0 rg BT 349.13 658.10 Td (owers) Tj ET Q q 0 0 0 rg BT 375.24 658.10 Td ( financial difficulties, wher) Tj ET Q q 0 0 0 rg BT 482.64 658.10 Td (e it was determined ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (that a concession was granted to the borr) Tj ET Q q 0 0 0 rg BT 483.01 646.10 Td (ower) Tj ET Q q 0 0 0 rg BT 501.90 646.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.40 646.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (Consideration may be given to the following, as appropriate, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (when determining this estimate: \(i\) the present value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (expected future cash flows discounted at the loan) Tj ET Q q 0 0 0 rg BT 516.65 610.10 Td (s original ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (ef) Tj ET Q q 0 0 0 rg BT 324.59 598.10 Td (fective rate; \(ii\) the borrower) Tj ET Q q 0 0 0 rg BT 441.01 598.10 Td () Tj ET Q q 0 0 0 rg BT 443.79 598.10 Td (s overall financial condition, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (resources and payment record; and \(iii\) the prospects for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (support from financially responsible guarantors or the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (realizable value of any collateral. In the determination of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (allowance for loan losses for ) Tj ET Q q 0 0 0 rg BT 434.28 550.10 Td (TDRs, management considers a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (combination of historical re-default rates, the current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 Td (economic environment and the nature of the modification ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 514.10 Td (program when forecasting expected cash flows. ) Tj ET Q q 0 0 0 rg BT 509.80 514.10 Td (When ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 502.10 Td (impairment is measured based on the present value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (expected future cash flows, the entire change in present ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (value is recorded in the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 412.80 478.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 422.42 478.10 Td (ovision for loan losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.15 478.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 454.10 Td (Statistically calculated losses inher) Tj ET Q q 0 0 0 rg BT 458.00 454.10 Td (ent in the classifiably ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (managed portfolio for performing and de minimis non-) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (performing exposur) Tj ET Q q 0 0 0 rg BT 395.79 430.10 Td (es.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.62 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 408.94 430.10 Td (The calculation is based on: \(i\) Citi) Tj ET Q q 0 0 0 rg BT 552.79 430.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.10 Td (internal system of credit-risk ratings, which are analogous to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.10 Td (the risk ratings of the major rating agencies; and \(ii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (historical default and loss data, including rating agency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (information regarding default rates from 1983 to 2014 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 Td (internal data dating to the early 1970s on severity of losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 Td (in the event of default. ) Tj ET Q q 0 0 0 rg BT 409.19 358.10 Td (Adjustments may be made to this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (data. Such adjustments include: \(i\) statistically calculated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 Td (estimates to cover the historical fluctuation of the default ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 Td (rates over the credit cycle, the historical variability of loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 310.10 Td (severity among defaulted loans, and the degree to which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (there are lar) Tj ET Q q 0 0 0 rg BT 364.56 298.10 Td (ge obligor concentrations in the global portfolio; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (and \(ii\) adjustments made for specific known items, such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (current environmental factors and credit trends.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 262.10 Td (In addition, representatives from each of the risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 Td (management and finance staf) Tj ET Q q 0 0 0 rg BT 433.71 250.10 Td (fs that cover business areas ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 238.10 Td (with delinquency-managed portfolios containing smaller) Tj ET Q q 0 0 0 rg BT 543.41 238.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.10 Td (balance homogeneous loans present their recommended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 Td (reserve balances based on leading credit indicators, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.10 Td (including loan delinquencies and changes in portfolio size as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.10 Td (well as economic trends, including current and future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 178.10 Td (housing prices, unemployment, length of time in foreclosure, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 166.10 Td (costs to sell and GDP) Tj ET Q q 0 0 0 rg BT 402.00 166.10 Td (. ) Tj ET Q q 0 0 0 rg BT 406.82 166.10 Td (This methodology is applied ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 Td (separately for each individual product within each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 142.10 Td (geographic region in which these portfolios exist.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 130.10 Td (This evaluation process is subject to numerous estimates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 118.10 Td (and judgments. ) Tj ET Q q 0 0 0 rg BT 380.42 118.10 Td (The frequency of default, risk ratings, loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 106.10 Td (recovery rates, the size and diversity of individual lar) Tj ET Q q 0 0 0 rg BT 529.80 106.10 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 94.10 Td (credits, and the ability of borrowers with foreign currency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 82.10 Td (obligations to obtain the foreign currency necessary for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 70.10 Td (orderly debt servicing, among other things, are all taken into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 58.10 Td (account during this review) Tj ET Q q 0 0 0 rg BT 422.71 58.10 Td (. Changes in these estimates could ) Tj ET Q endstream endobj 293 0 obj <> endobj 294 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (144) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (have a direct impact on the credit costs in any period and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (could result in a change in the allowance.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (Allowance for Unfunded Lending Commitments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (A) Tj ET Q q 0 0 0 rg BT 42.67 694.10 Td ( similar approach to the allowance for loan losses is used ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (for calculating a reserve for the expected losses related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (unfunded lending commitments and standby letters of credit. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (This reserve is classified on the balance sheet in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 230.65 658.10 Td (Other ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.78 646.10 Td (. Changes to the allowance for unfunded lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.10 Td (commitments are recorded in the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 170.12 634.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 179.75 634.10 Td (ovision for unfunded ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (lending commitments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.26 622.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (Mortgage Servicing Rights) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (Mortgage servicing rights \(MSRs\) are recognized as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 Td (intangible assets when purchased or when the Company sells ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.10 Td (or securitizes loans acquired through purchase or origination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.10 Td (and retains the right to service the loans. Mortgage servicing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 Td (rights are accounted for at fair value, with changes in value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 83.75 526.10 Td (Other r) Tj ET Q q 0 0 0 rg BT 113.10 526.10 Td (evenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.36 526.10 Td (in the Company) Tj ET Q q 0 0 0 rg BT 210.02 526.10 Td (s Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (Statement of Income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 502.10 Td (Additional information on the Company) Tj ET Q q 0 0 0 rg BT 217.87 502.10 Td (s MSRs can be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.10 Td (found in Note 22 to the Consolidated Financial Statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td (Goodwill) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 454.10 Td (Goodwill) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.23 454.10 Td ( represents the excess of acquisition cost over the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.10 Td (fair value of net tangible and intangible assets acquired. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.10 Td (Goodwill is subject to annual impairment testing and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.10 Td (between annual tests if an event occurs or circumstances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.10 Td (change that would more-likely-than-not reduce the fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.10 Td (of a reporting unit below its carrying amount. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 382.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 80.94 382.10 Td (ASC 350, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 122.89 382.10 Td (IntangiblesGoodwill and Other) Tj ET Q q 0 0 0 rg BT 256.23 382.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.23 382.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.10 Td (Company has an option to assess qualitative factors to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.10 Td (determine if it is necessary to perform the goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.10 Td (impairment test. If, after assessing the totality of events or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.10 Td (circumstances, the Company determines that it is not more-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.10 Td (likely-than-not that the fair value of a reporting unit is less ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.10 Td (than its carrying amount, no further testing is necessary) Tj ET Q q 0 0 0 rg BT 257.24 310.10 Td (. If, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.10 Td (however) Tj ET Q q 0 0 0 rg BT 70.03 298.10 Td (, the Company determines that it is more-likely-than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.10 Td (not that the fair value of a reporting unit is less than its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.10 Td (carrying amount, then the Company must perform the first ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.10 Td (step of the two-step goodwill impairment test. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.10 Td ( ) Tj ET Q q 0 0 0 rg BT 54.00 250.10 Td (The Company has an unconditional option to bypass the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.10 Td (qualitative assessment for any reporting unit in any reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.10 Td (period and proceed directly to the first step of the goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.10 Td (impairment test. Furthermore, on any business dispositions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.10 Td (goodwill is allocated to the disposed business based on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.10 Td (ratio of the fair value of the disposed business to the fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.10 Td (value of the reporting unit.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.10 Td (The first step requires a comparison of the fair value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.10 Td (the individual reporting unit to its carrying value, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.10 Td (goodwill. If the fair value of the reporting unit is in excess of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.10 Td (the carrying value, the related goodwill is considered not to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.10 Td (be impaired and no further analysis is necessary) Tj ET Q q 0 0 0 rg BT 227.23 118.10 Td (. If the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.10 Td (carrying value of the reporting unit exceeds the fair value, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.10 Td (this is an indication of potential impairment and a second ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 82.10 Td (step of testing is performed to measure the amount of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.10 Td (impairment, if any) Tj ET Q q 0 0 0 rg BT 109.50 70.10 Td (, for that reporting unit.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 58.10 Td (If required, the second step involves calculating the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 46.10 Td (implied fair value of goodwill for each of the af) Tj ET Q q 0 0 0 rg BT 226.58 46.10 Td (fected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (reporting units. ) Tj ET Q q 0 0 0 rg BT 380.42 742.10 Td (The implied fair value of goodwill is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (determined in the same manner as the amount of goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (recognized in a business combination, which is the excess of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (the fair value of the reporting unit determined in step one ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (over the fair value of the net assets and identifiable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (intangibles as if the reporting unit were being acquired. If ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (the amount of the goodwill allocated to the reporting unit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (exceeds the implied fair value of the goodwill in the pro ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (forma purchase price allocation, an impairment char) Tj ET Q q 0 0 0 rg BT 525.89 646.10 Td (ge is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (recorded for the excess. ) Tj ET Q q 0 0 0 rg BT 413.90 634.10 Td (A) Tj ET Q q 0 0 0 rg BT 420.57 634.10 Td ( recognized impairment char) Tj ET Q q 0 0 0 rg BT 535.06 634.10 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (cannot exceed the amount of goodwill allocated to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (reporting unit and cannot subsequently be reversed even if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (the fair value of the reporting unit recovers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 586.10 Td (Additional information on Citi) Tj ET Q q 0 0 0 rg BT 460.27 586.10 Td (s goodwill impairment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (testing can be found in Note 17 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (Financial Statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (Intangible ) Tj ET Q q 0 0 0 rg BT 362.85 538.10 Td (Assets) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 Td (Intangible assets, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.50 526.10 Td (including core deposit intangibles, present ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 514.10 Td (value of future profits, purchased credit card relationships, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 502.10 Td (other customer relationships, and other intangible assets, but ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (excluding MSRs, are amortized over their estimated useful ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (lives. Intangible assets deemed to have indefinite useful ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 466.10 Td (lives, primarily certain asset management contracts and trade ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 454.10 Td (names, are not amortized and are subject to annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (impairment tests. ) Tj ET Q q 0 0 0 rg BT 387.83 442.10 Td (An impairment exists if the carrying value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (of the indefinite-lived intangible asset exceeds its fair value. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.10 Td (For other intangible assets subject to amortization, an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.10 Td (impairment is recognized if the carrying amount is not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (recoverable and exceeds the fair value of the intangible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (asset.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 370.10 Td (Similar to the goodwill impairment analysis, in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 Td (performing the annual impairment analysis for indefinite-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (lived intangible assets, Citi may and has elected to bypass ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 Td (the optional qualitative assessment, choosing instead to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 Td (perform a quantitative analysis. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (Other) Tj ET Q q 0 0 0 rg BT 342.37 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 344.31 298.10 Td (Assets and Other) Tj ET Q q 0 0 0 rg BT 417.47 298.10 Td ( Liabilities) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (Other assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.72 286.10 Td ( include, among other items, loans held-for) Tj ET Q q 0 0 0 rg BT 538.70 286.10 Td (-sale, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (deferred tax assets, equity method investments, interest and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.10 Td (fees receivable, premises and equipment \(including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 Td (purchased and developed software\), repossessed assets, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 238.10 Td (other receivables. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 390.02 238.10 Td (Other liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.63 238.10 Td ( include, among other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.10 Td (items, accrued expenses and other payables, deferred tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 Td (liabilities, and reserves for legal claims, taxes, unfunded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.10 Td (lending commitments, repositioning reserves, and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.10 Td (matters.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 166.10 Td (Other) Tj ET Q q 0 0 0 rg BT 342.37 166.10 Td ( Real Estate Owned and Repossessed ) Tj ET Q q 0 0 0 rg BT 501.82 166.10 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 Td (Real estate or other assets received through foreclosure or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 142.10 Td (repossession are generally reported in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 470.55 142.10 Td (Other assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.28 142.10 Td (, net of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 130.10 Td (valuation allowance for selling costs and subsequent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 118.10 Td (declines in fair value.) Tj ET Q endstream endobj 295 0 obj <> endobj 296 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (145) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Securitizations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (The Company primarily securitizes credit card receivables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (and mortgages. Other types of securitized assets include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (corporate debt instruments \(in cash and synthetic form\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 694.25 Td (There are two key accounting determinations that must ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (be made relating to securitizations. Citi first makes a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (determination as to whether the securitization entity must be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (consolidated. Second, it determines whether the transfer of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (financial assets to the entity is considered a sale under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.25 Td (GAAP) Tj ET Q q 0 0 0 rg BT 62.12 634.25 Td (. If the securitization entity is a ) Tj ET Q q 0 0 0 rg BT 188.56 634.25 Td (VIE, the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.25 Td (consolidates the ) Tj ET Q q 0 0 0 rg BT 102.47 622.25 Td (VIE if it is the primary beneficiary \(as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 Td (discussed in V) Tj ET Q q 0 0 0 rg BT 97.66 610.25 Td (ariable Interest Entities above\). For all other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.25 Td (securitization entities determined not to be ) Tj ET Q q 0 0 0 rg BT 208.54 598.25 Td (VIEs in which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.25 Td (Citigroup participates, consolidation is based on which party ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.25 Td (has voting control of the entity) Tj ET Q q 0 0 0 rg BT 158.38 574.25 Td (, giving consideration to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.25 Td (removal and liquidation rights in certain partnership ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.25 Td (structures. Only securitization entities controlled by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.25 Td (Citigroup are consolidated.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 526.25 Td (Interests in the securitized and sold assets may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.25 Td (retained in the form of subordinated or senior interest-only ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.25 Td (strips, subordinated tranches, spread accounts and servicing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.25 Td (rights. In credit card securitizations, the Company retains a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.25 Td (seller) Tj ET Q q 0 0 0 rg BT 58.03 478.25 Td () Tj ET Q q 0 0 0 rg BT 60.80 478.25 Td (s interest in the credit card receivables transferred to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.25 Td (the trusts, which is not in securitized form. In the case of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.25 Td (consolidated securitization entities, including the credit card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.25 Td (trusts, these retained interests are not reported on Citi) Tj ET Q q 0 0 0 rg BT 252.33 442.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.25 Td (Consolidated Balance Sheet. ) Tj ET Q q 0 0 0 rg BT 153.01 430.25 Td (The securitized loans remain on) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.25 Td (the balance sheet. Substantially all of the Consumer loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.25 Td (sold or securitized through non-consolidated trusts by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.25 Td (Citigroup are U.S. prime residential mortgage loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.25 Td (Retained interests in non-consolidated mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.25 Td (securitization trusts are classified as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 182.34 370.25 Td (T) Tj ET Q q 0 0 0 rg BT 187.35 370.25 Td (rading account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.56 370.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.25 Td (except for MSRs, which are included in) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 195.13 358.25 Td ( Mortgage servicing ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 346.25 Td (rights) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.34 346.25 Td ( on Citigroup) Tj ET Q q 0 0 0 rg BT 115.45 346.25 Td (s Consolidated Balance Sheet.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 322.25 Td (Debt) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 310.25 Td (Short-term borr) Tj ET Q q 0 0 0 rg BT 99.24 310.25 Td (owings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.08 310.25 Td (and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 147.02 310.25 Td (Long-term debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.96 310.25 Td ( are accounted for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.25 Td (at amortized cost, except where the Company has elected to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.25 Td (report the debt instruments, including certain structured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.25 Td (notes at fair value, or the debt is in a fair value hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.25 Td (relationship.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 238.25 Td (T) Tj ET Q q 0 0 0 rg BT 41.93 238.25 Td (ransfers of Financial ) Tj ET Q q 0 0 0 rg BT 132.20 238.25 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.25 Td (For a transfer of financial assets to be considered a sale: \(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.25 Td (the assets must have been legally isolated from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.25 Td (Company) Tj ET Q q 0 0 0 rg BT 74.24 202.25 Td (, even in bankruptcy or other receivership; \(ii\) the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.25 Td (purchaser must have the right to pledge or sell the assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.25 Td (transferred or) Tj ET Q q 0 0 0 rg BT 89.74 178.25 Td (, if the purchaser is an entity whose sole ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.25 Td (purpose is to engage in securitization and asset-backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.25 Td (financing activities through the issuance of beneficial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.25 Td (interests and that entity is constrained from pledging the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.25 Td (assets it receives, each beneficial interest holder must have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.25 Td (the right to sell or pledge their beneficial interests; and \(iii\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.25 Td (the Company may not have an option or obligation to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.25 Td (reacquire the assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 82.25 Td (If these sale requirements are met, the assets are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.25 Td (removed from the Company) Tj ET Q q 0 0 0 rg BT 151.81 70.25 Td (s Consolidated Balance Sheet. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.25 Td (If the conditions for sale are not met, the transfer is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 46.25 Td (considered to be a secured borrowing, the assets remain on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (the Consolidated Balance Sheet and the sale proceeds are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (recognized as the Company) Tj ET Q q 0 0 0 rg BT 430.57 730.10 Td (s liability) Tj ET Q q 0 0 0 rg BT 467.42 730.10 Td (. ) Tj ET Q q 0 0 0 rg BT 471.87 730.10 Td (A) Tj ET Q q 0 0 0 rg BT 478.54 730.10 Td ( legal opinion on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (sale generally is obtained for complex transactions or where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (the Company has continuing involvement with assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (transferred or with the securitization entity) Tj ET Q q 0 0 0 rg BT 487.12 694.10 Td (. For a transfer to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (be eligible for sale accounting, those opinions must state that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (the asset transfer would be considered a sale and that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (assets transferred would not be consolidated with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (Company) Tj ET Q q 0 0 0 rg BT 358.67 646.10 Td (s other assets in the event of the Company) Tj ET Q q 0 0 0 rg BT 530.30 646.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (insolvency) Tj ET Q q 0 0 0 rg BT 359.68 634.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 622.10 Td (For a transfer of a portion of a financial asset to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (considered a sale, the portion transferred must meet the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (definition of a participating interest. ) Tj ET Q q 0 0 0 rg BT 463.07 598.10 Td (A) Tj ET Q q 0 0 0 rg BT 469.74 598.10 Td ( participating interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (must represent a pro rata ownership in an entire financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (asset; all cash flows must be divided proportionately) Tj ET Q q 0 0 0 rg BT 526.58 574.10 Td (, with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (the same priority of payment; no participating interest in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (transferred asset may be subordinated to the interest of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (another participating interest holder; and no party may have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 Td (the right to pledge or exchange the entire financial asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 514.10 Td (unless all participating interest holders agree. Otherwise, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 502.10 Td (transfer is accounted for as a secured borrowing.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 490.10 Td (See Note 22 to the Consolidated Financial Statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (for further discussion.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 454.10 Td (Risk Management ) Tj ET Q q 0 0 0 rg BT 397.00 454.10 Td (ActivitiesDerivatives Used for) Tj ET Q q 0 0 0 rg BT 534.00 454.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (Hedging Purposes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (The Company manages its exposures to market rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.10 Td (movements outside its trading activities by modifying the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.10 Td (asset and liability mix, either directly or through the use of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (derivative financial products, including interest-rate swaps, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (futures, forwards, and purchased options, as well as foreign-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 Td (exchange contracts. ) Tj ET Q q 0 0 0 rg BT 398.17 370.10 Td (These end-user derivatives are carried at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 Td (fair value in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 367.81 358.10 Td (Other assets, Other liabilities, T) Tj ET Q q 0 0 0 rg BT 496.15 358.10 Td (rading account ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.89 346.10 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 360.33 346.10 Td (T) Tj ET Q q 0 0 0 rg BT 365.34 346.10 Td (rading account liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.44 346.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 334.10 Td (T) Tj ET Q q 0 0 0 rg BT 340.41 334.10 Td (o qualify as an accounting hedge under the hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 Td (accounting rules \(versus an economic hedge where hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 310.10 Td (accounting is not sought\), a derivative must be highly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (ef) Tj ET Q q 0 0 0 rg BT 324.59 298.10 Td (fective in of) Tj ET Q q 0 0 0 rg BT 372.72 298.10 Td (fsetting the risk designated as being hedged. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (The hedge relationship must be formally documented at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (inception, detailing the particular risk management objective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.10 Td (and strategy for the hedge. ) Tj ET Q q 0 0 0 rg BT 425.67 262.10 Td (This includes the item and risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 Td (being hedged, the derivative being used and how ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 238.10 Td (ef) Tj ET Q q 0 0 0 rg BT 324.59 238.10 Td (fectiveness will be assessed and inef) Tj ET Q q 0 0 0 rg BT 470.19 238.10 Td (fectiveness measured. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.10 Td (The ef) Tj ET Q q 0 0 0 rg BT 342.63 226.10 Td (fectiveness of these hedging relationships is evaluated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 Td (both on a retrospective and prospective basis, typically using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.10 Td (quantitative measures of correlation with hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.10 Td (inef) Tj ET Q q 0 0 0 rg BT 332.37 190.10 Td (fectiveness measured and recorded in current earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 178.10 Td (If a hedge relationship is not highly ef) Tj ET Q q 0 0 0 rg BT 487.28 178.10 Td (fective, it no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 166.10 Td (longer qualifies as an accounting hedge and hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 Td (accounting may not be applied. ) Tj ET Q q 0 0 0 rg BT 444.19 154.10 Td (Any gains or losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 142.10 Td (attributable to the derivatives, as well as subsequent changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 130.10 Td (in fair value, are recognized in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 441.66 130.10 Td (Other r) Tj ET Q q 0 0 0 rg BT 471.01 130.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.76 130.10 Td ( or ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 512.09 130.10 Td (Principal ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 118.10 Td (transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.45 118.10 Td ( with no of) Tj ET Q q 0 0 0 rg BT 409.88 118.10 Td (fset to the hedged item, similar to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 106.10 Td (trading derivatives.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 94.10 Td (The foregoing criteria are applied on a decentralized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 82.10 Td (basis, consistent with the level at which market risk is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 70.10 Td (managed, but are subject to various limits and controls. ) Tj ET Q q 0 0 0 rg BT 540.38 70.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 58.10 Td (underlying asset, liability or forecasted transaction may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 46.10 Td (an individual item or a portfolio of similar items.) Tj ET Q endstream endobj 297 0 obj <> endobj 298 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (146) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 742.10 Td (For fair value hedges, in which derivatives hedge the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (fair value of assets or liabilities, changes in the fair value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (derivatives are reflected in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 144.83 718.10 Td (Other r) Tj ET Q q 0 0 0 rg BT 174.18 718.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.93 718.10 Td (, together with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (changes in the fair value of the hedged item related to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (hedged risk. ) Tj ET Q q 0 0 0 rg BT 87.20 694.10 Td (These amounts are expected to, and generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (do, of) Tj ET Q q 0 0 0 rg BT 59.15 682.10 Td (fset each other) Tj ET Q q 0 0 0 rg BT 116.90 682.10 Td (. ) Tj ET Q q 0 0 0 rg BT 121.35 682.10 Td (Any net amount, representing hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (inef) Tj ET Q q 0 0 0 rg BT 51.37 670.10 Td (fectiveness, is reflected in current earnings. Citigroup) Tj ET Q q 0 0 0 rg BT 268.51 670.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (fair value hedges are primarily hedges of fixed-rate long-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (term debt and available-for) Tj ET Q q 0 0 0 rg BT 144.36 646.10 Td (-sale securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 634.10 Td (For cash flow hedges, in which derivatives hedge the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (variability of cash flows related to floating- and fixed-rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 Td (assets, liabilities or forecasted transactions, the accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (treatment depends on the ef) Tj ET Q q 0 0 0 rg BT 146.33 598.10 Td (fectiveness of the hedge. ) Tj ET Q q 0 0 0 rg BT 247.50 598.10 Td (T) Tj ET Q q 0 0 0 rg BT 252.91 598.10 Td (o the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (extent these derivatives are ef) Tj ET Q q 0 0 0 rg BT 154.65 586.10 Td (fective in of) Tj ET Q q 0 0 0 rg BT 202.78 586.10 Td (fsetting the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 Td (variability of the hedged cash flows, the ef) Tj ET Q q 0 0 0 rg BT 206.32 574.10 Td (fective portion of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.10 Td (the changes in the derivatives) Tj ET Q q 0 0 0 rg BT 156.88 562.10 Td ( fair values will not be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.10 Td (included in current earnings, but is reported in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 223.45 550.10 Td (Accumulated ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 Td (other compr) Tj ET Q q 0 0 0 rg BT 84.79 538.10 Td (ehensive income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.31 538.10 Td (. ) Tj ET Q q 0 0 0 rg BT 180.13 538.10 Td (These changes in fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (value will be included in earnings of future periods when the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (hedged cash flows impact earnings. ) Tj ET Q q 0 0 0 rg BT 180.78 514.10 Td (T) Tj ET Q q 0 0 0 rg BT 186.19 514.10 Td (o the extent these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.10 Td (derivatives are not ef) Tj ET Q q 0 0 0 rg BT 119.95 502.10 Td (fective, changes in their fair values are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.10 Td (immediately included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 135.70 490.10 Td (Other r) Tj ET Q q 0 0 0 rg BT 165.05 490.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.80 490.10 Td (. Citigroup) Tj ET Q q 0 0 0 rg BT 238.92 490.10 Td (s cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.10 Td (flow hedges primarily include hedges of floating-rate debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td (and floating-rate assets, including loans and securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.10 Td (purchased under agreements to resell, as well as rollovers of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.10 Td (short-term fixed-rate liabilities and floating-rate liabilities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.10 Td (and forecasted debt issuances.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 418.10 Td (For net investment hedges in which derivatives hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.10 Td (the foreign currency exposure of a net investment in a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.10 Td (foreign operation, the accounting treatment will similarly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.10 Td (depend on the ef) Tj ET Q q 0 0 0 rg BT 102.18 382.10 Td (fectiveness of the hedge. ) Tj ET Q q 0 0 0 rg BT 203.35 382.10 Td (The ef) Tj ET Q q 0 0 0 rg BT 228.98 382.10 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.10 Td (portion of the change in fair value of the derivative, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.10 Td (including any forward premium or discount, is reflected in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 346.10 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 139.49 346.10 Td (ehensive income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.01 346.10 Td ( as part of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.10 Td (the foreign currency translation adjustment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 322.10 Td (For those accounting hedge relationships that are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.10 Td (terminated or when hedge designations are removed, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.10 Td (hedge accounting treatment described in the paragraphs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.10 Td (above is no longer applied. Instead, the end-user derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.10 Td (is terminated or transferred to the trading account. For fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.10 Td (value hedges, any changes in the fair value of the hedged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.10 Td (item remain as part of the basis of the asset or liability and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.10 Td (are ultimately reflected as an element of the yield. For cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.10 Td (flow hedges, any changes in fair value of the end-user ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.10 Td (derivative remain in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 119.02 214.10 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 222.51 214.10 Td (ehensive ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 202.10 Td (income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.60 202.10 Td ( and are included in earnings of future periods ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.10 Td (when the hedged cash flows impact earnings. However) Tj ET Q q 0 0 0 rg BT 256.08 190.10 Td (, if it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.10 Td (becomes probable that some or all of the hedged forecasted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.10 Td (transactions will not occur) Tj ET Q q 0 0 0 rg BT 141.41 166.10 Td (, any amounts that remain in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 154.10 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 139.49 154.10 Td (ehensive income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.01 154.10 Td ( related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.10 Td (these transactions are immediately reflected in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 224.25 142.10 Td (Other ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 130.10 Td (r) Tj ET Q q 0 0 0 rg BT 39.52 130.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.27 130.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 118.10 Td (End-user derivatives that are economic hedges, rather ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.10 Td (than qualifying for hedge accounting, are also carried at fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.10 Td (value, with changes in value included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 199.29 94.10 Td (Principal ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 82.10 Td (transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.45 82.10 Td ( or ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 98.78 82.10 Td (Other r) Tj ET Q q 0 0 0 rg BT 128.13 82.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.88 82.10 Td (. Citigroup often uses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.10 Td (economic hedges when qualifying for hedge accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.10 Td (would be too complex or operationally burdensome. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 46.10 Td (Examples are hedges of the credit risk component of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (commercial loans and loan commitments. Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (periodically evaluates its hedging strategies in other areas ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (and may designate either a qualifying hedge or an economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (hedge, after considering the relative costs and benefits. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (Economic hedges are also employed when the hedged item ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (itself is marked to market through current earnings, such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (hedges of commitments to originate one-to-four) Tj ET Q q 0 0 0 rg BT 508.69 670.10 Td (-family ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (mortgage loans to be held for sale and MSRs. See Note 23 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (the Consolidated Financial Statements for a further ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (discussion of the Company) Tj ET Q q 0 0 0 rg BT 428.38 634.10 Td (s hedging and derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (activities.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (Employee Benefits Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (Employee benefits expense includes current service costs of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (pension and other postretirement benefit plans \(which are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (accrued on a current basis\), contributions and unrestricted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (awards under other employee plans, the amortization of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (restricted stock awards and costs of other employee benefits. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 Td (For its most significant pension and postretirement benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 514.10 Td (plans \(Significant Plans\), Citigroup measures and discloses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 502.10 Td (plan obligations, plan assets and periodic plan expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (quarterly) Tj ET Q q 0 0 0 rg BT 352.44 490.10 Td (, instead of annually) Tj ET Q q 0 0 0 rg BT 432.88 490.10 Td (. ) Tj ET Q q 0 0 0 rg BT 437.70 490.10 Td (The ef) Tj ET Q q 0 0 0 rg BT 463.34 490.10 Td (fect of remeasuring the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (Significant Plan obligations and assets by updating plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 466.10 Td (actuarial assumptions on a quarterly basis is reflected in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 454.10 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 420.49 454.10 Td (ehensive income \(loss\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.51 454.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (periodic plan expense. ) Tj ET Q q 0 0 0 rg BT 408.64 442.10 Td (All other plans \(All Other Plans\) are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (remeasured annually) Tj ET Q q 0 0 0 rg BT 399.37 430.10 Td (. See Note 8 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.10 Td (Financial Statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (Stock-Based Compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (The Company recognizes compensation expense related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 Td (stock and option awards over the requisite service period, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 Td (generally based on the instruments) Tj ET Q q 0 0 0 rg BT 458.44 358.10 Td ( grant-date fair value, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (reduced by expected forfeitures. Compensation cost related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 Td (to awards granted to employees who meet certain age plus ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 Td (years-of-service requirements \(retirement-eligible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 310.10 Td (employees\) is accrued in the year prior to the grant date, in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (the same manner as the accrual for cash incentive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (compensation. Certain stock awards with performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (conditions or certain clawback provisions are subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.10 Td (variable accounting, pursuant to which the associated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 Td (compensation expense fluctuates with changes in Citigroup) Tj ET Q q 0 0 0 rg BT 557.50 250.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 238.10 Td (stock price. See Note 7 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.10 Td (Statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 202.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 350.98 202.10 Td (T) Tj ET Q q 0 0 0 rg BT 356.73 202.10 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.10 Td (The Company is subject to the income tax laws of the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 178.10 Td (and its states and municipalities, and the foreign jurisdictions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 166.10 Td (in which it operates. ) Tj ET Q q 0 0 0 rg BT 400.41 166.10 Td (These tax laws are complex and subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 Td (to dif) Tj ET Q q 0 0 0 rg BT 338.21 154.10 Td (ferent interpretations by the taxpayer and the relevant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 142.10 Td (governmental taxing authorities. In establishing a provision ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 130.10 Td (for income tax expense, the Company must make judgments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 118.10 Td (and interpretations about the application of these inherently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 106.10 Td (complex tax laws. ) Tj ET Q q 0 0 0 rg BT 391.80 106.10 Td (The Company must also make estimates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 94.10 Td (about when in the future certain items will af) Tj ET Q q 0 0 0 rg BT 496.76 94.10 Td (fect taxable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 82.10 Td (income in the various tax jurisdictions, both domestic and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 70.10 Td (foreign. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 58.10 Td (Disputes over interpretations of the tax laws may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 46.10 Td (subject to review and adjudication by the court systems of ) Tj ET Q endstream endobj 299 0 obj <> endobj 300 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (147) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (the various tax jurisdictions or may be settled with the taxing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (authority upon examination or audit. ) Tj ET Q q 0 0 0 rg BT 184.68 730.10 Td (The Company treats ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (interest and penalties on income taxes as a component of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (Income tax expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.29 706.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 694.10 Td (Deferred taxes are recorded for the future consequences ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (of events that have been recognized for financial statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (or tax returns, based upon enacted tax laws and rates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (Deferred tax assets are recognized subject to management) Tj ET Q q 0 0 0 rg BT 270.61 658.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (judgment that realization is more-likely-than-not. F) Tj ET Q q 0 0 0 rg BT 240.76 646.10 Td (ASB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.10 Td (Interpretation No. 48, Accounting for Uncertainty in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 68.30 622.10 Td (T) Tj ET Q q 0 0 0 rg BT 73.71 622.10 Td (axes \(FIN 48\) \(now incorporated into ) Tj ET Q q 0 0 0 rg BT 229.78 622.10 Td (ASC 740, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 Td (Income T) Tj ET Q q 0 0 0 rg BT 72.57 610.10 Td (axes\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.67 610.10 Td (, sets out a consistent framework to determine ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (the appropriate level of tax reserves to maintain for uncertain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (tax positions. ) Tj ET Q q 0 0 0 rg BT 91.65 586.10 Td (This interpretation uses a two-step approach ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 Td (wherein a tax benefit is recognized if a position is more-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.10 Td (likely-than-not to be sustained. ) Tj ET Q q 0 0 0 rg BT 162.18 562.10 Td (The amount of the benefit is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.10 Td (then measured to be the highest tax benefit that is greater ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 Td (than 50% likely to be realized. ) Tj ET Q q 0 0 0 rg BT 160.13 538.10 Td (ASC 740 also sets out ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (disclosure requirements to enhance transparency of an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (entity) Tj ET Q q 0 0 0 rg BT 61.55 514.10 Td (s tax reserves. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 502.10 Td (See Note 9 to the Consolidated Financial Statements for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.10 Td (a further description of the Company) Tj ET Q q 0 0 0 rg BT 186.79 490.10 Td (s tax provision and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.10 Td (related income tax assets and liabilities.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 454.10 Td (Commissions, Underwriting and Principal ) Tj ET Q q 0 0 0 rg BT 218.89 454.10 Td (T) Tj ET Q q 0 0 0 rg BT 224.82 454.10 Td (ransactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.10 Td (Commissions revenues are recognized in income when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.10 Td (earned. Underwriting revenues are recognized in income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.10 Td (typically at the closing of the transaction. Principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.10 Td (transactions revenues are recognized in income on a trade-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.10 Td (date basis. See Note 5 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.10 Td (Statements for a description of the Company) Tj ET Q q 0 0 0 rg BT 217.63 382.10 Td (s revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.10 Td (recognition policies for commissions and fees, and Note 6 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.10 Td (the Consolidated Financial Statements for details of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.10 Td (principal transactions revenue.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 322.10 Td (Earnings per) Tj ET Q q 0 0 0 rg BT 91.66 322.10 Td ( Shar) Tj ET Q q 0 0 0 rg BT 114.54 322.10 Td (e) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.10 Td (Earnings per share \(EPS\) is computed after deducting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.10 Td (preferred stock dividends. ) Tj ET Q q 0 0 0 rg BT 142.45 298.10 Td (The Company has granted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.10 Td (restricted and deferred share awards with dividend rights that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.10 Td (are considered to be participating securities, which are akin ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.10 Td (to a second class of common stock. ) Tj ET Q q 0 0 0 rg BT 179.31 262.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 228.64 262.10 Td (, a portion of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.10 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 77.11 250.10 Td (s earnings is allocated to those participating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.10 Td (securities in the EPS calculation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 226.10 Td (Basic earnings per share is computed by dividing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.10 Td (income available to common stockholders after the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.10 Td (allocation of dividends and undistributed earnings to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.10 Td (participating securities by the weighted average number of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.10 Td (common shares outstanding for the period. Diluted earnings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.10 Td (per share reflects the potential dilution that could occur if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.10 Td (securities or other contracts to issue common stock were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.10 Td (exercised. It is computed after giving consideration to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.10 Td (weighted average dilutive ef) Tj ET Q q 0 0 0 rg BT 149.38 130.10 Td (fect of the Company) Tj ET Q q 0 0 0 rg BT 234.08 130.10 Td (s stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.10 Td (options and warrants and convertible securities and after the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.10 Td (allocation of earnings to the participating securities.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 82.10 Td (Use of Estimates) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.10 Td (Management must make estimates and assumptions that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.10 Td (af) Tj ET Q q 0 0 0 rg BT 43.59 58.10 Td (fect the Consolidated Financial Statements and the related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 46.10 Td (Notes to the Consolidated Financial Statements. Such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (estimates are used in connection with certain fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (measurements. See Note 25 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (Statements for further discussions on estimates used in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (determination of fair value. Moreover) Tj ET Q q 0 0 0 rg BT 467.93 706.10 Td (, estimates are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (significant in determining the amounts of other) Tj ET Q q 0 0 0 rg BT 505.09 694.10 Td (-than-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (temporary impairments, impairments of goodwill and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (intangible assets, provisions for probable losses that may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (arise from credit-related exposures and probable and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (estimable losses related to litigation and regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (proceedings, and tax reserves. ) Tj ET Q q 0 0 0 rg BT 439.55 634.10 Td (While management makes its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (best judgment, actual amounts or results could dif) Tj ET Q q 0 0 0 rg BT 516.22 622.10 Td (fer from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (those estimates. Current market conditions increase the risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (and complexity of the judgments in these estimates.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (Cash Flows) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (Cash equivalents are defined as those amounts included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (Cash and due fr) Tj ET Q q 0 0 0 rg BT 380.80 550.10 Td (om banks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.85 550.10 Td (. Cash flows from risk management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (activities are classified in the same category as the related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 Td (assets and liabilities.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 502.10 Td (Related Party ) Tj ET Q q 0 0 0 rg BT 378.46 502.10 Td (T) Tj ET Q q 0 0 0 rg BT 384.39 502.10 Td (ransactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (The Company has related party transactions with certain of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (its subsidiaries and af) Tj ET Q q 0 0 0 rg BT 403.19 478.10 Td (filiates. ) Tj ET Q q 0 0 0 rg BT 435.22 478.10 Td (These transactions, which are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 466.10 Td (primarily short-term in nature, include cash accounts, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 454.10 Td (collateralized financing transactions, mar) Tj ET Q q 0 0 0 rg BT 481.75 454.10 Td (gin accounts, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (derivative transactions, char) Tj ET Q q 0 0 0 rg BT 429.27 442.10 Td (ges for operational support and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (the borrowing and lending of funds, and are entered into in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.10 Td (the ordinary course of business.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (ACCOUNTING CHANGES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 Td (Debt Issuance Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 Td (In ) Tj ET Q q 0 0 0 rg BT 327.28 358.10 Td (April 2015, the F) Tj ET Q q 0 0 0 rg BT 395.42 358.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 444.32 358.10 Td (Accounting Standards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (Update \(ASU\) 2015-03, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 415.87 346.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 434.94 346.10 Td (estImputation of Inter) Tj ET Q q 0 0 0 rg BT 530.67 346.10 Td (est ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 Td (\(Subtopic 835-30\): Simplifying the Pr) Tj ET Q q 0 0 0 rg BT 467.71 334.10 Td (esentation of Debt ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 Td (Issuance Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.72 322.10 Td (, to conform the presentation of debt issuance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 310.10 Td (costs to that of debt discounts and premiums. ) Tj ET Q q 0 0 0 rg BT 499.85 310.10 Td (Thus, the ) Tj ET Q q 0 0 0 rg BT 539.02 310.10 Td (ASU ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (requires that debt issuance costs related to a recognized debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (liability be presented in the balance sheet as a direct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (deduction from the carrying amount of that debt liability) Tj ET Q q 0 0 0 rg BT 542.40 274.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.10 Td (The guidance is ef) Tj ET Q q 0 0 0 rg BT 390.40 262.10 Td (fective beginning on January 1, 2016; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 Td (however) Tj ET Q q 0 0 0 rg BT 351.03 250.10 Td (, Citi elected to early adopt the ) Tj ET Q q 0 0 0 rg BT 475.99 250.10 Td (ASU on July 1, 2015 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 238.10 Td (which resulted in an approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.57 238.10 Td ($150 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.96 238.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.10 Td (reclassification from ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 401.97 226.10 Td (Other assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.69 226.10 Td ( to ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 464.47 226.10 Td (Long-term debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.40 226.10 Td (. ) Tj ET Q q 0 0 0 rg BT 531.22 226.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 Td (retrospective application was deemed immaterial and, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.10 Td (such, prior periods were not restated. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 178.10 Td (Accounting for) Tj ET Q q 0 0 0 rg BT 380.98 178.10 Td ( Investments in ) Tj ET Q q 0 0 0 rg BT 448.30 178.10 Td (T) Tj ET Q q 0 0 0 rg BT 454.06 178.10 Td (ax Cr) Tj ET Q q 0 0 0 rg BT 478.04 178.10 Td (edit Partnerships) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 166.10 Td (In January 2014, the F) Tj ET Q q 0 0 0 rg BT 405.96 166.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 454.87 166.10 Td (ASU No. 2014-01, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 Td (InvestmentsEquity Method and Joint V) Tj ET Q q 0 0 0 rg BT 479.74 154.10 Td (entur) Tj ET Q q 0 0 0 rg BT 500.48 154.10 Td (es \(T) Tj ET Q q 0 0 0 rg BT 519.29 154.10 Td (opic 323\): ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 142.10 Td (Accounting for Investments in Qualified ) Tj ET Q q 0 0 0 rg BT 479.29 142.10 Td (Affor) Tj ET Q q 0 0 0 rg BT 499.48 142.10 Td (dable Housing ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 130.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 326.63 130.10 Td (ojects) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.95 130.10 Td (. ) Tj ET Q q 0 0 0 rg BT 354.40 130.10 Td (Any transition adjustment is reflected as an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 118.10 Td (adjustment to retained earnings in the earliest period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 106.10 Td (presented \(retrospective application\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 94.10 Td (The ) Tj ET Q q 0 0 0 rg BT 352.50 94.10 Td (ASU is applicable to Citi) Tj ET Q q 0 0 0 rg BT 455.82 94.10 Td (s portfolio of low income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 82.10 Td (housing tax credit \(LIHTC\) partnership interests. ) Tj ET Q q 0 0 0 rg BT 515.38 82.10 Td (The new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 70.10 Td (standard widens the scope of investments eligible to elect to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 58.10 Td (apply a new alternative method, the proportional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 46.10 Td (amortization method, under which the cost of the investment ) Tj ET Q endstream endobj 301 0 obj <> endobj 302 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (148) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (is amortized to tax expense in proportion to the amount of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (tax credits and other tax benefits received. Citi qualifies to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (elect the proportional amortization method under the ) Tj ET Q q 0 0 0 rg BT 248.99 718.10 Td (ASU ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (for its entire LIHTC portfolio. ) Tj ET Q q 0 0 0 rg BT 161.63 706.10 Td (These investments were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (previously accounted for under the equity method, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (resulted in losses \(due to amortization of the investment\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (being recognized in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 117.36 670.10 Td (Other r) Tj ET Q q 0 0 0 rg BT 146.71 670.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.46 670.10 Td ( and tax credits and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (benefits being recognized in the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 166.23 658.10 Td (Income tax expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.52 658.10 Td ( line. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (contrast, the proportional amortization method combines the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.10 Td (amortization of the investment and receipt of the tax credits/) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (benefits into one line, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 125.15 622.10 Td (Income tax expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.44 622.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 610.10 Td (Citi adopted ) Tj ET Q q 0 0 0 rg BT 105.11 610.10 Td (ASU 2014-01 in the first quarter of 2015.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (The adoption of this ) Tj ET Q q 0 0 0 rg BT 118.77 598.10 Td (ASU was applied retrospectively and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (cumulatively reduced ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 124.85 586.10 Td (Retained earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.89 586.10 Td ( by approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 Td ($349 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.39 574.10 Td (, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 92.39 574.10 Td (Other assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.11 574.10 Td ( by approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.37 574.10 Td ($178 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.76 574.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.10 Td (and deferred tax assets by approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.05 562.10 Td ($171 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.44 562.10 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 Td (Accounting for) Tj ET Q q 0 0 0 rg BT 99.98 538.10 Td ( Repur) Tj ET Q q 0 0 0 rg BT 129.52 538.10 Td (chase-to-Maturity ) Tj ET Q q 0 0 0 rg BT 209.04 538.10 Td (T) Tj ET Q q 0 0 0 rg BT 214.96 538.10 Td (ransactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (In June 2014, the F) Tj ET Q q 0 0 0 rg BT 112.20 526.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 161.10 526.10 Td (ASU No. 2014-1) Tj ET Q q 0 0 0 rg BT 228.78 526.10 Td (1, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 238.78 526.10 Td (T) Tj ET Q q 0 0 0 rg BT 243.79 526.10 Td (ransfers ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (and Servicing \(T) Tj ET Q q 0 0 0 rg BT 101.74 514.10 Td (opic 860\): Repur) Tj ET Q q 0 0 0 rg BT 169.68 514.10 Td (chase-to-Maturity ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 502.10 Td (T) Tj ET Q q 0 0 0 rg BT 41.01 502.10 Td (ransactions, Repur) Tj ET Q q 0 0 0 rg BT 116.75 502.10 Td (chase Financings, and Disclosur) Tj ET Q q 0 0 0 rg BT 248.03 502.10 Td (es.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.86 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 261.18 502.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.10 Td (ASU changes the accounting for repurchase-to-maturity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.10 Td (transactions and linked repurchase financings to secured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td (borrowing accounting, which is consistent with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.10 Td (accounting for other repurchase agreements. ) Tj ET Q q 0 0 0 rg BT 215.74 454.10 Td (The ) Tj ET Q q 0 0 0 rg BT 233.23 454.10 Td (ASU also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.10 Td (requires disclosures about transfers accounted for as sales in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.10 Td (transactions that are economically similar to repurchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.10 Td (agreements \(see Note 23 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.10 Td (Statements\) and about the types of collateral pledged in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.10 Td (repurchase agreements and similar transactions accounted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.10 Td (for as secured borrowings \(see Note 1) Tj ET Q q 0 0 0 rg BT 187.25 382.10 Td (1 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.10 Td (Financial Statements\). ) Tj ET Q q 0 0 0 rg BT 127.74 370.10 Td (The ) Tj ET Q q 0 0 0 rg BT 145.24 370.10 Td (ASU) Tj ET Q q 0 0 0 rg BT 168.02 370.10 Td (s provisions became ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.10 Td (ef) Tj ET Q q 0 0 0 rg BT 43.59 358.10 Td (fective for Citi in the first quarter of 2015, with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.10 Td (exception of the collateral disclosures which became ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.10 Td (ef) Tj ET Q q 0 0 0 rg BT 43.59 334.10 Td (fective in the second quarter of 2015. ) Tj ET Q q 0 0 0 rg BT 197.52 334.10 Td (The ef) Tj ET Q q 0 0 0 rg BT 223.15 334.10 Td (fect of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.10 Td (adopting the ) Tj ET Q q 0 0 0 rg BT 87.66 322.10 Td (ASU is required to be reflected as a cumulative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.10 Td (ef) Tj ET Q q 0 0 0 rg BT 43.59 310.10 Td (fect adjustment to retained earnings as of the beginning of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.10 Td (the period of adoption. ) Tj ET Q q 0 0 0 rg BT 129.04 298.10 Td (Adoption of the ) Tj ET Q q 0 0 0 rg BT 194.31 298.10 Td (ASU did not have a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.10 Td (material ef) Tj ET Q q 0 0 0 rg BT 78.85 286.10 Td (fect on the Company) Tj ET Q q 0 0 0 rg BT 165.21 286.10 Td (s financial statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 262.10 Td (Disclosur) Tj ET Q q 0 0 0 rg BT 75.82 262.10 Td (es for) Tj ET Q q 0 0 0 rg BT 99.24 262.10 Td ( Investments in Certain Entities ) Tj ET Q q 0 0 0 rg BT 237.11 262.10 Td (That ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 250.10 Td (Calculate Net ) Tj ET Q q 0 0 0 rg BT 95.99 250.10 Td (Asset ) Tj ET Q q 0 0 0 rg BT 121.08 250.10 Td (V) Tj ET Q q 0 0 0 rg BT 127.38 250.10 Td (alue \(NA) Tj ET Q q 0 0 0 rg BT 164.14 250.10 Td (V\) per) Tj ET Q q 0 0 0 rg BT 191.45 250.10 Td ( Shar) Tj ET Q q 0 0 0 rg BT 214.33 250.10 Td (e) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.10 Td (In May 2015, the F) Tj ET Q q 0 0 0 rg BT 112.20 238.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 161.10 238.10 Td (ASU No. 2015-07, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 239.15 238.10 Td (Fair ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 226.10 Td (V) Tj ET Q q 0 0 0 rg BT 41.00 226.10 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 90.90 226.10 Td (ement \(T) Tj ET Q q 0 0 0 rg BT 125.25 226.10 Td (opic 820\): Disclosur) Tj ET Q q 0 0 0 rg BT 207.65 226.10 Td (es for Investments ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 214.10 Td (in Certain Entities That Calculate Net ) Tj ET Q q 0 0 0 rg BT 190.81 214.10 Td (Asset V) Tj ET Q q 0 0 0 rg BT 219.42 214.10 Td (alue per Shar) Tj ET Q q 0 0 0 rg BT 273.49 214.10 Td (e ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 202.10 Td (\(or Its Equivalent\),) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.37 202.10 Td ( which is intended to reduce diversity in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.10 Td (practice related to the categorization of investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.10 Td (measured at NA) Tj ET Q q 0 0 0 rg BT 99.69 178.10 Td (V) Tj ET Q q 0 0 0 rg BT 106.73 178.10 Td ( within the fair value hierarchy) Tj ET Q q 0 0 0 rg BT 229.64 178.10 Td (. ) Tj ET Q q 0 0 0 rg BT 234.46 178.10 Td (The ) Tj ET Q q 0 0 0 rg BT 251.95 178.10 Td (ASU ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.10 Td (removes the current requirement to categorize investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.10 Td (for which fair value is measured using the NA) Tj ET Q q 0 0 0 rg BT 219.66 154.10 Td (V) Tj ET Q q 0 0 0 rg BT 226.70 154.10 Td ( per share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.10 Td (practical expedient within the fair value hierarchy) Tj ET Q q 0 0 0 rg BT 234.70 142.10 Td (. Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.10 Td (elected to early adopt the ) Tj ET Q q 0 0 0 rg BT 138.46 130.10 Td (ASU in the second quarter of 2015. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.10 Td (The adoption of the ) Tj ET Q q 0 0 0 rg BT 116.54 118.10 Td (ASU was applied retrospectively and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.10 Td (reduced Level 3 assets by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.24 106.10 Td ($1.0 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.35 106.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.79 106.10 Td ($1.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.90 106.10 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.10 Td (December 31, 2015 and December 31, 2014, respectively) Tj ET Q q 0 0 0 rg BT 265.27 94.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 742.25 Td (Discontinued Operations and Significant Disposals) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.25 Td (The F) Tj ET Q q 0 0 0 rg BT 339.87 730.25 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 388.77 730.25 Td (ASU No. 2014-08, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 466.82 730.25 Td (Pr) Tj ET Q q 0 0 0 rg BT 476.45 730.25 Td (esentation of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 718.25 Td (Financial Statements \(T) Tj ET Q q 0 0 0 rg BT 412.18 718.25 Td (opic 810\) and Pr) Tj ET Q q 0 0 0 rg BT 479.86 718.25 Td (operty) Tj ET Q q 0 0 0 rg BT 504.85 718.25 Td (, Plant, and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 706.25 Td (Equipment \(T) Tj ET Q q 0 0 0 rg BT 370.80 706.25 Td (opic 360\), Reporting Discontinued Operations ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 694.25 Td (and Disclosur) Tj ET Q q 0 0 0 rg BT 373.02 694.25 Td (es of Disposals of Components of an Entity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.52 694.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.25 Td (\(ASU 2014-08\) in ) Tj ET Q q 0 0 0 rg BT 391.72 682.25 Td (April 2014. ) Tj ET Q q 0 0 0 rg BT 442.28 682.25 Td (ASU 2014-08 changes the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.25 Td (criteria for reporting discontinued operations while ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.25 Td (enhancing disclosures. Under the ) Tj ET Q q 0 0 0 rg BT 451.69 658.25 Td (ASU, only disposals ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.25 Td (representing a strategic shift having a major ef) Tj ET Q q 0 0 0 rg BT 502.58 646.25 Td (fect on an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.25 Td (entity) Tj ET Q q 0 0 0 rg BT 342.55 634.25 Td (s operations and financial results, such as a disposal of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.25 Td (a major geographic area, a major line of business or a major ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.25 Td (equity method investment, may be presented as discontinued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.25 Td (operations. ) Tj ET Q q 0 0 0 rg BT 363.10 598.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 413.01 598.25 Td (, the ) Tj ET Q q 0 0 0 rg BT 432.17 598.25 Td (ASU requires expanded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.25 Td (disclosures about discontinued operations that will provide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.25 Td (more information about the assets, liabilities, income and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.25 Td (expenses of discontinued operations. ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 335.00 550.25 Td (The Company early-adopted the ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 466.07 550.25 Td (ASU in the second ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 317.00 537.05 Td (quarter of 2014 on a prospective basis) Tj ET Q BT /F1 11.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 469.18 537.05 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 471.93 537.05 Td (for all disposals \(or ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 317.00 525.05 Td (classifications as held-for) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 418.99 525.05 Td (-sale\) of components of an entity ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 317.00 513.05 Td (that occurred on or after ) Tj ET Q q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 415.56 513.05 Td (April 1, 2014.) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 471.67 513.05 Td ( ) Tj ET Q q 0 0 0 rg BT 473.62 513.05 Td (As a result of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 501.05 Td (adoption of the ) Tj ET Q q 0 0 0 rg BT 379.49 501.05 Td (ASU, fewer disposals will now qualify for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 489.05 Td (reporting as discontinued operations; however) Tj ET Q q 0 0 0 rg BT 501.55 489.05 Td (, disclosure of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 477.05 Td (the pretax income attributable to a disposal of a significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 465.05 Td (part of an or) Tj ET Q q 0 0 0 rg BT 365.96 465.05 Td (ganization that does not qualify for discontinued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 453.05 Td (operations reporting is required. ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 450.12 453.05 Td (The impact of adopting the ) Tj ET Q BT /F1 10.00 Tf ET q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 317.00 441.05 Td (ASU was not material.) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 317.00 417.05 Td (Classification of Certain Government-Guaranteed ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 405.05 Td (Mortgage Loans upon For) Tj ET Q q 0 0 0 rg BT 429.32 405.05 Td (eclosur) Tj ET Q q 0 0 0 rg BT 459.69 405.05 Td (e) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 393.05 Td (In ) Tj ET Q q 0 0 0 rg BT 327.28 393.05 Td (August 2014, the F) Tj ET Q q 0 0 0 rg BT 403.21 393.05 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 452.11 393.05 Td (ASU No. 2014-14, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 381.05 Td (Receivables-T) Tj ET Q q 0 0 0 rg BT 373.09 381.05 Td (r) Tj ET Q q 0 0 0 rg BT 376.61 381.05 Td (oubled Debt Restructuring by Cr) Tj ET Q q 0 0 0 rg BT 507.89 381.05 Td (editors ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 369.05 Td (\(Subtopic 310-40\): Classification of Certain Government-) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 357.05 Td (Guaranteed Mortgage Loans upon For) Tj ET Q q 0 0 0 rg BT 473.29 357.05 Td (eclosur) Tj ET Q q 0 0 0 rg BT 502.36 357.05 Td (e) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.79 357.05 Td (, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 345.05 Td (requires that a mortgage loan be derecognized and a separate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 333.05 Td (other receivable be recognized upon foreclosure if the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 321.05 Td (following conditions are met: \(i\) the loan has a government ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 309.05 Td (guarantee that is not separable from the loan before ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 297.05 Td (foreclosure; \(ii\) at the time of foreclosure, the creditor has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 285.05 Td (the intent to convey the real estate property to the guarantor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 273.05 Td (and make a claim on the guarantee, and the creditor has the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 261.05 Td (ability to recover under that claim; and \(iii\) at the time of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 249.05 Td (foreclosure, any amount of the claim that is determined on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 237.05 Td (the basis of the fair value of the real estate is fixed. Upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 225.05 Td (foreclosure, the separate other receivable is measured based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 213.05 Td (on the amount of the loan balance \(principal and interest\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 201.05 Td (expected to be recovered from the guarantor) Tj ET Q q 0 0 0 rg BT 493.58 201.05 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 189.05 Td (Citi early adopted the ) Tj ET Q q 0 0 0 rg BT 423.31 189.05 Td (ASU on a modified retrospective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 177.05 Td (basis in the fourth quarter of 2014, which resulted in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 165.05 Td (reclassifying approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.85 165.05 Td ($130 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.24 165.05 Td ( of foreclosed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 153.05 Td (assets from Other Real Estate Owned to a separate other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 141.05 Td (receivable that is included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 434.46 141.05 Td (Other assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.18 141.05 Td (. Given the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 129.05 Td (modified retrospective approach to adoption, prior periods ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 117.05 Td (have not been restated. ) Tj ET Q endstream endobj 303 0 obj <> endobj 304 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (149) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (FUTURE ) Tj ET Q q 0 0 0 rg BT 79.06 742.25 Td (APPLICA) Tj ET Q q 0 0 0 rg BT 122.76 742.25 Td (TION OF) Tj ET Q q 0 0 0 rg BT 164.34 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 166.29 742.25 Td (ACCOUNTING ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (ST) Tj ET Q q 0 0 0 rg BT 47.49 730.25 Td (ANDARDS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (Recognition and Measur) Tj ET Q q 0 0 0 rg BT 140.82 706.25 Td (ement of Financial ) Tj ET Q q 0 0 0 rg BT 222.20 706.25 Td (Assets and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (Financial Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (In January 2016, the F) Tj ET Q q 0 0 0 rg BT 124.96 682.25 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 173.87 682.25 Td (ASU No. 2016-01, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (Financial InstrumentsOverall \(Subtopic 825-10\): ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (Recognition and Measur) Tj ET Q q 0 0 0 rg BT 134.50 658.25 Td (ement of Financial ) Tj ET Q q 0 0 0 rg BT 212.36 658.25 Td (Assets and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (Financial Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.94 646.25 Td (, which addresses certain aspects of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.25 Td (recognition, measurement, presentation, and disclosure of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.25 Td (financial instruments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 610.25 Td (This ) Tj ET Q q 0 0 0 rg BT 73.73 610.25 Td (ASU will require entities to present separately in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.25 Td (OCI the portion of the total change in the fair value of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.25 Td (liability resulting from a change in the instrument-specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.25 Td (credit risk \(DV) Tj ET Q q 0 0 0 rg BT 95.25 574.25 Td (A\) when the entity has elected to measure the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.25 Td (liability at fair value in accordance with the fair value option ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.25 Td (for financial instruments. It will also require equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.25 Td (investments \(except those accounted for under the equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.25 Td (method of accounting or those that result in consolidation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.25 Td (the investee\) to be measured at fair value with changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.25 Td (fair value recognized in net income, thus eliminating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.25 Td (eligibility for the current available-for) Tj ET Q q 0 0 0 rg BT 187.96 490.25 Td (-sale category) Tj ET Q q 0 0 0 rg BT 243.11 490.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.25 Td (However) Tj ET Q q 0 0 0 rg BT 72.25 478.25 Td (, Federal Reserve Bank and Federal Home Loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.25 Td (Bank stock as well as exchange seats will continue to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.25 Td (presented at cost. ) Tj ET Q q 0 0 0 rg BT 107.09 454.25 Td (As a practical expedient, an entity may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.25 Td (choose to measure equity investments that do not have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.25 Td (readily determinable fair values at cost minus impairment, if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.25 Td (any) Tj ET Q q 0 0 0 rg BT 49.79 418.25 Td (, plus or minus changes resulting from observable price ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.25 Td (changes in orderly transactions for the identical or a similar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.25 Td (investment of the same issuer) Tj ET Q q 0 0 0 rg BT 153.75 394.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 382.25 Td (The guidance is ef) Tj ET Q q 0 0 0 rg BT 127.40 382.25 Td (fective beginning on January 1, 2018; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.25 Td (however) Tj ET Q q 0 0 0 rg BT 70.03 370.25 Td (, early adoption is permitted only for the amendment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.25 Td (in the ) Tj ET Q q 0 0 0 rg BT 60.44 358.25 Td (ASU related to presentation of DV) Tj ET Q q 0 0 0 rg BT 198.29 358.25 Td (A) Tj ET Q q 0 0 0 rg BT 204.96 358.25 Td ( for financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.25 Td (liabilities measured under the fair value option. Citi expects ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.25 Td (to early adopt this amendment as of January 1, 2016. ) Tj ET Q q 0 0 0 rg BT 249.66 334.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.25 Td (impact of adopting this amendment is not expected to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.25 Td (material to Citi) Tj ET Q q 0 0 0 rg BT 99.32 310.25 Td (s balance sheet at January 1, 2016; however) Tj ET Q q 0 0 0 rg BT 274.41 310.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.25 Td (in subsequent periods the changes in DV) Tj ET Q q 0 0 0 rg BT 198.01 298.25 Td (A) Tj ET Q q 0 0 0 rg BT 204.68 298.25 Td ( are dependent on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.25 Td (changes in Citi) Tj ET Q q 0 0 0 rg BT 98.77 286.25 Td (s credit spreads and could be material in any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.25 Td (given period. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 250.25 Td (Consolidation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.25 Td (In February 2015, the F) Tj ET Q q 0 0 0 rg BT 129.96 238.25 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 178.87 238.25 Td (ASU No. 2015-02, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 226.25 Td (Consolidation \(T) Tj ET Q q 0 0 0 rg BT 103.15 226.25 Td (opic 810\): ) Tj ET Q q 0 0 0 rg BT 146.84 226.25 Td (Amendments to the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 214.25 Td (Consolidation ) Tj ET Q q 0 0 0 rg BT 94.99 214.25 Td (Analysis) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.88 214.25 Td (, which intended to improve certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.25 Td (areas of consolidation guidance for legal entities such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.25 Td (limited partnerships, limited liability companies, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.25 Td (securitization structures. ) Tj ET Q q 0 0 0 rg BT 136.06 178.25 Td (The ) Tj ET Q q 0 0 0 rg BT 153.56 178.25 Td (ASU reduced the number of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.25 Td (consolidation models and became ef) Tj ET Q q 0 0 0 rg BT 181.33 166.25 Td (fective on January 1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.25 Td (2016. ) Tj ET Q q 0 0 0 rg BT 60.45 154.25 Td (Adoption of ) Tj ET Q q 0 0 0 rg BT 111.00 154.25 Td (ASU 2015-02 did not have a material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.25 Td (impact on the Company) Tj ET Q q 0 0 0 rg BT 134.59 142.25 Td (s Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.25 Td (Statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 106.25 Td (Revenue Recognition) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.25 Td (In May 2014, the F) Tj ET Q q 0 0 0 rg BT 112.20 94.25 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 161.10 94.25 Td (ASU No. 2014-09, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 239.15 94.25 Td (Revenue ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 82.25 Td (fr) Tj ET Q q 0 0 0 rg BT 42.30 82.25 Td (om Contracts with Customers) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.48 82.25 Td (, which requires an entity to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.25 Td (recognize the amount of revenue to which it expects to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.25 Td (entitled for the transfer of promised goods or services to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 46.25 Td (customers. ) Tj ET Q q 0 0 0 rg BT 81.37 46.25 Td (The ) Tj ET Q q 0 0 0 rg BT 98.86 46.25 Td (ASU will replace most existing revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (recognition guidance in GAAP) Tj ET Q q 0 0 0 rg BT 440.77 742.10 Td ( when it becomes ef) Tj ET Q q 0 0 0 rg BT 520.56 742.10 Td (fective on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (January 1, 2018. Early application is permitted for annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (periods beginning after December 15, 2016; however) Tj ET Q q 0 0 0 rg BT 530.14 718.10 Td (, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (Company does not expect to early adopt. ) Tj ET Q q 0 0 0 rg BT 482.89 706.10 Td (The ) Tj ET Q q 0 0 0 rg BT 500.38 706.10 Td (ASU is not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (applicable to financial instruments and, therefore, is not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (expected to impact a majority of the Company) Tj ET Q q 0 0 0 rg BT 505.55 682.10 Td (s revenue, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (including net interest income. ) Tj ET Q q 0 0 0 rg BT 438.18 670.10 Td (The Company is evaluating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (the ef) Tj ET Q q 0 0 0 rg BT 339.30 658.10 Td (fect that ) Tj ET Q q 0 0 0 rg BT 373.73 658.10 Td (ASU 2014-09 will have on its consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (financial statements and related disclosures. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (Accounting for) Tj ET Q q 0 0 0 rg BT 380.98 622.10 Td ( Financial InstrumentsCr) Tj ET Q q 0 0 0 rg BT 499.69 622.10 Td (edit Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (In December 2012, the F) Tj ET Q q 0 0 0 rg BT 415.95 610.10 Td (ASB issued a proposed ) Tj ET Q q 0 0 0 rg BT 510.95 610.10 Td (ASU, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (Financial InstrumentsCr) Tj ET Q q 0 0 0 rg BT 424.69 598.10 Td (edit Losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.36 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 473.67 598.10 Td (This proposed ) Tj ET Q q 0 0 0 rg BT 532.56 598.10 Td (ASU, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (or exposure draft, was issued for public comment in order to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (allow stakeholders the opportunity to review the proposal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (and provide comments to the F) Tj ET Q q 0 0 0 rg BT 440.40 562.10 Td (ASB and does not constitute ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (accounting guidance until a final ) Tj ET Q q 0 0 0 rg BT 450.01 550.10 Td (ASU is issued.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 538.10 Td (The exposure draft contains proposed guidance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 Td (developed by the F) Tj ET Q q 0 0 0 rg BT 392.63 526.10 Td (ASB with the goal of improving financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 514.10 Td (reporting about expected credit losses on loans, securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 502.10 Td (and other financial assets held by financial institutions and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (other or) Tj ET Q q 0 0 0 rg BT 348.20 490.10 Td (ganizations. ) Tj ET Q q 0 0 0 rg BT 398.56 490.10 Td (The exposure draft proposes a new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (accounting model intended to require earlier recognition of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 466.10 Td (credit losses, while also providing additional transparency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 454.10 Td (about credit risk.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 442.10 Td (The F) Tj ET Q q 0 0 0 rg BT 357.87 442.10 Td (ASB) Tj ET Q q 0 0 0 rg BT 380.10 442.10 Td (s proposed model would utilize an expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (credit loss measurement objective for the recognition of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.10 Td (credit losses for loans, held-to-maturity securities and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.10 Td (receivables at the time the financial asset is originated or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (acquired and adjusted each period for changes in expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (credit losses. For available-for) Tj ET Q q 0 0 0 rg BT 438.43 382.10 Td (-sale securities where fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 Td (value is less than cost, credit-related impairment would be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 Td (recognized in an allowance for credit losses and adjusted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (each period for changes in credit risk. ) Tj ET Q q 0 0 0 rg BT 470.09 346.10 Td (This would replace the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 Td (multiple existing impairment models in GAAP) Tj ET Q q 0 0 0 rg BT 503.38 334.10 Td (, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 Td (generally require that a loss be incurred before it is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 310.10 Td (recognized.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 298.10 Td (The F) Tj ET Q q 0 0 0 rg BT 357.87 298.10 Td (ASB) Tj ET Q q 0 0 0 rg BT 380.10 298.10 Td (s proposed model represents a significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (departure from existing GAAP) Tj ET Q q 0 0 0 rg BT 439.48 286.10 Td (, and may result in material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (changes to the Company) Tj ET Q q 0 0 0 rg BT 418.37 274.10 Td (s accounting for financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.10 Td (instruments. ) Tj ET Q q 0 0 0 rg BT 368.48 262.10 Td (The impact of the F) Tj ET Q q 0 0 0 rg BT 446.61 262.10 Td (ASB) Tj ET Q q 0 0 0 rg BT 468.84 262.10 Td (s final ) Tj ET Q q 0 0 0 rg BT 495.51 262.10 Td (ASU on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 Td (Company) Tj ET Q q 0 0 0 rg BT 358.67 250.10 Td (s financial statements will be assessed when it is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 238.10 Td (issued. ) Tj ET Q q 0 0 0 rg BT 346.82 238.10 Td (The Company expects that the final ) Tj ET Q q 0 0 0 rg BT 491.22 238.10 Td (ASU will be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.10 Td (ef) Tj ET Q q 0 0 0 rg BT 324.59 226.10 Td (fective for Citi as of January 1, 2019.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 202.10 Td (Lease ) Tj ET Q q 0 0 0 rg BT 343.39 202.10 Td (Accounting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.10 Td (In February 2016, the F) Tj ET Q q 0 0 0 rg BT 410.96 190.10 Td (ASB issued ) Tj ET Q q 0 0 0 rg BT 459.87 190.10 Td (ASU No. 2016-02, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 178.10 Td (Leases \(T) Tj ET Q q 0 0 0 rg BT 354.70 178.10 Td (opic 842\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.74 178.10 Td (which is intended to increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 166.10 Td (transparency and comparability of accounting for lease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 369.58 154.10 Td (The ) Tj ET Q q 0 0 0 rg BT 387.08 154.10 Td (ASU will require all leases to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 142.10 Td (recognized on the balance sheet as lease assets and lease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 130.10 Td (liabilities and will require both quantitative and qualitative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 118.10 Td (disclosures regarding key information about leasing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 106.10 Td (arrangements. Lessor accounting is lar) Tj ET Q q 0 0 0 rg BT 473.43 106.10 Td (gely unchanged. ) Tj ET Q q 0 0 0 rg BT 541.28 106.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 94.10 Td (guidance is ef) Tj ET Q q 0 0 0 rg BT 372.35 94.10 Td (fective beginning January 1, 2019 with an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 82.10 Td (option to early adopt. ) Tj ET Q q 0 0 0 rg BT 404.86 82.10 Td (The Company is evaluating whether to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 70.10 Td (early adopt and the ef) Tj ET Q q 0 0 0 rg BT 403.45 70.10 Td (fect that ) Tj ET Q q 0 0 0 rg BT 437.87 70.10 Td (ASU 2016-02 will have on its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 58.10 Td (consolidated financial statements, regulatory capital and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 46.10 Td (related disclosures.) Tj ET Q endstream endobj 305 0 obj <> endobj 306 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (150) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (2. DISCONTINUED OPERA) Tj ET Q q 0 0 0 rg BT 160.55 749.25 Td (TIONS ) Tj ET Q q 0 0 0 rg BT 193.62 749.25 Td (AND SIGNIFICANT) Tj ET Q q 0 0 0 rg BT 284.29 749.25 Td ( DISPOSALS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (Discontinued Operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (The following ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 95.43 713.25 Td (Discontinued operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.04 713.25 Td ( are recorded within ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.72 701.25 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.50 701.25 Td ( segment. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (Sale of Brazil Cr) Tj ET Q q 0 0 0 rg BT 107.19 677.25 Td (edicard Business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (Citi sold its non-Citibank-branded cards and consumer finance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (business in Brazil \(Credicard\) in 2013 and reported it as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (Discontinued operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.60 641.25 Td (. Residual costs and resolution of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (certain contingencies from the disposal resulted in income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (from ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 57.94 617.25 Td (Discontinued operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.54 617.25 Td (, net of taxes, of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.47 617.25 Td ($6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.86 617.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td ($52 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.39 605.25 Td ( for 2015 and 2014, respectively) Tj ET Q q 0 0 0 rg BT 211.15 605.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (Sale of Certain Citi Capital ) Tj ET Q q 0 0 0 rg BT 154.60 581.25 Td (Advisors Business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (Citi sold its liquid strategies business within Citi Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (Advisors \(CCA\) pursuant to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.55 557.25 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.55 557.25 Td ( separate transactions in 2013 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (and reported them as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 122.08 545.25 Td (Discontinued operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.68 545.25 Td (. Residual costs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (from the disposals resulted in income and losses from ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (Discontinued operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.60 521.25 Td (, net of taxes, of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.53 521.25 Td ($1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.92 521.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.36 521.25 Td ($4 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.89 509.25 Td ( for 2015 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.99 509.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.99 509.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 193.65 509.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (Sale of Egg Banking plc Cr) Tj ET Q q 0 0 0 rg BT 151.67 485.25 Td (edit Card Business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (Citi completed the sale of the Egg Banking plc \(Egg\) credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (card business in 201) Tj ET Q q 0 0 0 rg BT 117.01 461.25 Td (1 and reported it as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 196.15 461.25 Td (Discontinued ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.78 449.25 Td (. Residual costs from the disposal resulted in losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (from ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 57.94 437.25 Td (Discontinued operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.54 437.25 Td (, net of taxes, of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.47 437.25 Td ($61 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.86 437.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td ($30 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.39 425.25 Td ( for 2015 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.49 425.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.49 425.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 211.15 425.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (Audit of Citi German Consumer) Tj ET Q q 0 0 0 rg BT 174.70 401.25 Td ( ) Tj ET Q q 0 0 0 rg BT 177.02 401.25 Td (T) Tj ET Q q 0 0 0 rg BT 182.77 401.25 Td (ax Gr) Tj ET Q q 0 0 0 rg BT 207.31 401.25 Td (oup) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (Citi completed the sale of its German retail banking operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (in 2008 and reported them as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 154.86 377.25 Td (Discontinued operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.46 377.25 Td (. During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (2014, residual costs from the disposal resulted in a tax expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 46.83 353.25 Td ($20 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.22 353.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (Combined Results for) Tj ET Q q 0 0 0 rg BT 417.15 725.25 Td ( Discontinued Operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (The following is summarized financial information for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (Credicard, CCA, Egg and previous ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 466.47 701.25 Td (Discontinued operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 565.07 701.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (for which Citi continues to have minimal residual costs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (associated with the sales:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 652.75 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 652.75 33.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 652.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 547.50 652.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 615.75 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 615.75 33.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 615.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 547.50 615.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 587.75 160.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 587.75 33.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 587.75 30.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 547.50 587.75 35.00 -23.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 652.75 m 517.5 652.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 652.75 m 547.5 652.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 547.5 652.75 m 582.5 652.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 652.75 m 484.5 652.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 638.75 m 484.5 638.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 652.75 m 517.5 652.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 638.75 m 517.5 638.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 638.75 m 547.5 638.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 547.5 652.75 m 582.5 652.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 547.5 638.75 m 582.5 638.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 587.75 m 484.5 587.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 564.75 m 484.5 564.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 587.75 m 517.5 587.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 564.75 m 517.5 564.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 587.75 m 547.5 587.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 564.75 m 547.5 564.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 547.5 587.75 m 582.5 587.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 547.5 564.75 m 582.5 564.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 327.00 657.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.50 657.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 657.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 657.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 643.20 Td (T) Tj ET Q q 0 0 0 rg BT 332.18 643.20 Td (otal r) Tj ET Q q 0 0 0 rg BT 352.76 643.20 Td (evenues, net of inter) Tj ET Q q 0 0 0 rg BT 429.58 643.20 Td (est expense) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 472.32 647.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 643.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 643.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 643.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 643.21 Td (74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 643.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.75 643.21 Td (1,086) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 629.21 Td (Income \(loss\) from discontinued) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 620.21 Td (operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 620.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 620.20 Td (\(83) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.00 620.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 620.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 620.21 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 620.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.50 620.21 Td (\(242) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 579.00 620.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 606.21 Td (Gain on sale) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 606.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 606.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 606.21 Td (268) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 592.21 Td (Provision \(benefit\) for income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 592.20 Td (\(29) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.00 592.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 592.21 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.50 592.21 Td (\(244) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 579.00 592.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 578.20 Td (Income \(loss\) from discontinued) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.00 569.20 Td (operations, net of taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 569.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 569.20 Td (\(54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.00 569.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 569.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.50 569.21 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.00 569.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 569.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 569.21 Td (270) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 546.05 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 335.18 546.05 Td (T) Tj ET Q q 0 0 0 rg BT 339.51 546.05 Td (otal revenues include gain or loss on sale, if applicable.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 522.05 Td (Cash flows for the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 400.10 522.05 Td (Discontinued operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.70 522.05 Td ( were not material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 510.05 Td (for all periods presented.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 486.05 Td (Significant Disposals) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 474.05 Td (The following sales completed during 2015 and 2014 were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 462.05 Td (identified as significant disposals. ) Tj ET Q q 0 0 0 rg BT 461.85 462.05 Td (The major classes of assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 450.05 Td (and liabilities derecognized from the Consolidated Balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 438.05 Td (Sheet at closing and the income \(loss\) before taxes related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 426.05 Td (each business until the disposal date are presented below) Tj ET Q q 0 0 0 rg BT 550.50 426.05 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 402.05 Td (Sale of OneMain Financial Business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 390.05 Td (On November 15, 2015, Citi sold its OneMain Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 378.05 Td (business, which was part of Citi Holdings, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.21 378.05 Td (1,100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.71 378.05 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 366.05 Td (retail branches, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.58 366.05 Td (5,500) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.08 366.05 Td ( employees, and approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.54 366.05 Td (1.3 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 354.05 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.89 354.05 Td ( customer accounts. One Main Financial had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 342.05 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.26 342.05 Td ($10.2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.37 342.05 Td ( of assets, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.31 342.05 Td ($7.8 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.42 342.05 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 330.05 Td (loans \(net of allowance\), and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.29 330.05 Td ($1.4 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.40 330.05 Td ( of available-for) Tj ET Q q 0 0 0 rg BT 552.61 330.05 Td (-sale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 318.05 Td (securities. ) Tj ET Q q 0 0 0 rg BT 366.58 318.05 Td (The total amount of liabilities sold was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.17 318.05 Td ($8.4 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 571.28 318.05 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 306.05 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.27 306.05 Td ($6.2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.39 306.05 Td ( of long-term debt, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.81 306.05 Td ($1.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.92 306.05 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 294.05 Td (short-term borrowings. ) Tj ET Q q 0 0 0 rg BT 418.53 294.05 Td (The transaction generated a pre-tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 282.05 Td (gain on sale of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.09 282.05 Td ($2.6 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.21 282.05 Td (, recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 483.96 282.05 Td (Other r) Tj ET Q q 0 0 0 rg BT 513.31 282.05 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.07 282.05 Td ( \($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.90 282.05 Td (1.6 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 270.05 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.11 270.05 Td ( after) Tj ET Q q 0 0 0 rg BT 370.73 270.05 Td (-tax\). However) Tj ET Q q 0 0 0 rg BT 430.86 270.05 Td (, when combined with the loss on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 258.05 Td (redemption of certain long-term debt supporting remaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 246.05 Td (Citi Holdings) Tj ET Q q 0 0 0 rg BT 380.76 246.05 Td ( assets, the resulting net after) Tj ET Q q 0 0 0 rg BT 496.64 246.05 Td (-tax gain was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.45 246.05 Td ($0.8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 234.05 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.11 234.05 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 222.05 Td (Income before taxes, excluding the pretax gain on sale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 210.05 Td (and loss on redemption of debt, is as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 184.55 159.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 184.55 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 184.55 32.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 547.50 184.55 28.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 184.54999999999995 m 482.5 184.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 184.54999999999995 m 515.5 184.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 184.54999999999995 m 547.5 184.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 547.5 184.54999999999995 m 575.5 184.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 184.54999999999995 m 482.5 184.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 169.54999999999995 m 482.5 169.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 169.54999999999995 m 515.5 169.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 169.54999999999995 m 547.5 169.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 547.5 184.54999999999995 m 575.5 184.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 547.5 169.54999999999995 m 575.5 169.54999999999995 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 326.00 188.80 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.50 189.00 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 189.01 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 189.01 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 174.00 Td (Income before taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 174.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 174.00 Td (663) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 174.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.50 174.01 Td (890) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 174.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 174.01 Td (923) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 307 0 obj <> endobj 308 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (151) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Sale of Japan Cards Business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (On December 14, 2015, Citi sold its Japan cards business, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (which was part of Citi Holdings, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.32 725.25 Td ($1,350 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.21 725.25 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (consumer loans \(net of allowance\), approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.98 713.25 Td (720,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.48 713.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (customer accounts and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.58 701.25 Td (840) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.58 701.25 Td ( employees. ) Tj ET Q q 0 0 0 rg BT 194.66 701.25 Td (The transaction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (generated a pretax gain on sale of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.88 689.25 Td ($180 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.27 689.25 Td (, recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (Other r) Tj ET Q q 0 0 0 rg BT 65.35 677.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.10 677.25 Td ( \() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.93 677.25 Td ($155 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.33 677.25 Td ( after) Tj ET Q q 0 0 0 rg BT 170.94 677.25 Td (-tax\). Income \(loss\) before ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (taxes, excluding the pretax gain on sale, is as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 639.75 158.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 193.50 639.75 33.00 -15.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 226.50 639.75 30.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 256.50 639.75 31.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 639.75 m 193.5 639.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193.5 639.75 m 226.5 639.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 639.75 m 256.5 639.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 256.5 639.75 m 287.5 639.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 639.75 m 193.5 639.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 624.75 m 193.5 624.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 193.5 624.75 m 226.5 624.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 624.75 m 256.5 624.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 256.5 639.75 m 287.5 639.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 256.5 624.75 m 287.5 624.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 644.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 200.50 644.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.00 644.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 262.50 644.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 629.20 Td (Income \(loss\) before taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 196.00 629.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.50 629.20 Td (\(5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.00 629.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.00 629.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 629.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.00 629.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 629.21 Td (46) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 589.25 Td (Sale of Japan Retail Banking Business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 577.25 Td (On November 1, 2015, Citi sold its Japan retail banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 565.25 Td (business, which was part of Citi Holdings, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.21 565.25 Td ($563 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 553.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.89 553.25 Td ( of consumer loans \(net of allowance\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.95 553.25 Td ($20 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.56 553.25 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 541.25 Td (deposits, approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.04 541.25 Td (725,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.54 541.25 Td ( customer accounts, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.18 541.25 Td (1,600) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.68 541.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 529.25 Td (employees and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.20 529.25 Td (32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.20 529.25 Td ( branches. ) Tj ET Q q 0 0 0 rg BT 151.06 529.25 Td (The transaction generated a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 517.25 Td (pretax gain on sale of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.58 517.25 Td ($446 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.97 517.25 Td (, recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 228.72 517.25 Td (Other r) Tj ET Q q 0 0 0 rg BT 258.08 517.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.83 517.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 505.25 Td (\() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 39.33 505.25 Td ($276 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.72 505.25 Td ( after) Tj ET Q q 0 0 0 rg BT 111.34 505.25 Td (-tax\). Income \(loss\) before taxes \(benefits\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 493.25 Td (excluding the pretax gain on sale, is as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 37.50 467.75 147.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.50 467.75 34.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 467.75 36.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 467.75 31.00 -16.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 37.5 467.75 m 184.5 467.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 467.75 m 218.5 467.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 467.75 m 254.5 467.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 467.75 m 285.5 467.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 37.5 467.75 m 184.5 467.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 37.5 451.75 m 184.5 451.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 467.75 m 218.5 467.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 451.75 m 218.5 451.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 467.75 m 254.5 467.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 451.75 m 254.5 451.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 467.75 m 285.5 467.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 451.75 m 285.5 451.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 40.00 472.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.00 472.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.00 472.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.50 472.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 40.00 456.20 Td (Income \(loss\) before taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.00 456.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.00 456.20 Td (\(57) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 456.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 456.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 243.50 456.21 Td (\(5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.00 456.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.00 456.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 456.21 Td (31) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 416.25 Td (Sale of Spain Consumer) Tj ET Q q 0 0 0 rg BT 138.33 416.25 Td ( Operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 404.25 Td (On September 22, 2014, Citi sold its consumer operations in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 392.25 Td (Spain, which were part of Citi Holdings, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.97 392.25 Td ($1.7 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.08 392.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 380.25 Td (of consumer loans \(net of allowance\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.55 380.25 Td ($3.4 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.67 380.25 Td ( of assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 368.25 Td (under management, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.36 368.25 Td ($2.2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.47 368.25 Td ( of customerdeposits, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.73 368.25 Td (45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.73 368.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 356.25 Td (branches, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.54 356.25 Td (48) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.54 356.25 Td ( ) Tj ET Q q 0 0 0 rg BT 88.49 356.25 Td (A) Tj ET Q q 0 0 0 rg BT 94.60 356.25 Td (TMs and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.93 356.25 Td (938) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.93 356.25 Td ( employees, with the buyer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 344.25 Td (assuming the related current pension commitments at closing. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 332.25 Td (The transaction generated a pretax gain on sale of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.30 332.25 Td ($243 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 320.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.89 320.25 Td (, recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 117.65 320.25 Td (Other r) Tj ET Q q 0 0 0 rg BT 147.00 320.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.75 320.25 Td ( \() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.58 320.25 Td ($131 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.97 320.25 Td ( after) Tj ET Q q 0 0 0 rg BT 252.59 320.25 Td (-tax\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 308.25 Td (Income before taxes, excluding the pretax gain on sale, is as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 296.25 Td (follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 271.75 144.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 180.50 271.75 38.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 271.75 31.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.50 271.75 36.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 271.75 m 180.5 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 271.75 m 218.5 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 271.75 m 249.5 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 249.5 271.75 m 285.5 271.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 271.75 m 180.5 271.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 257.75 m 180.5 257.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 257.75 m 218.5 257.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 257.75 m 249.5 257.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 249.5 257.75 m 285.5 257.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 276.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.00 276.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 224.50 276.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.00 276.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 262.20 Td (Income before taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.00 262.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.00 262.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 262.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.50 262.21 Td (130) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.00 262.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 262.21 Td (59) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Sale of Gr) Tj ET Q q 0 0 0 rg BT 367.14 749.25 Td (eece Consumer) Tj ET Q q 0 0 0 rg BT 431.66 749.25 Td ( Operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (On September 30, 2014, Citi sold its consumer operations in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (Greece, which were part of Citi Holdings, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.50 725.25 Td ($353 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.89 713.25 Td ( of consumer loans \(net of allowance\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.95 713.25 Td ($1.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 555.06 713.25 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (assets under management, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.19 701.25 Td ($1.2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.30 701.25 Td ( of customerdeposits, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.00 689.25 Td ( branches, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.04 689.25 Td (85) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.04 689.25 Td ( ) Tj ET Q q 0 0 0 rg BT 388.99 689.25 Td (A) Tj ET Q q 0 0 0 rg BT 395.10 689.25 Td (TMs and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.43 689.25 Td (719) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.43 689.25 Td ( employees, with the buyer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (assuming certain limited pension obligations related to Diners) Tj ET Q q 0 0 0 rg BT 574.59 677.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (Club) Tj ET Q q 0 0 0 rg BT 346.23 665.25 Td (s employees at closing. ) Tj ET Q q 0 0 0 rg BT 441.30 665.25 Td (The transaction generated a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (pretax gain on sale of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.58 653.25 Td ($209 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.97 653.25 Td (, recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 516.72 653.25 Td (Other r) Tj ET Q q 0 0 0 rg BT 546.08 653.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 573.83 653.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 Td (\() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.33 641.25 Td ($91 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.72 641.25 Td ( after) Tj ET Q q 0 0 0 rg BT 394.34 641.25 Td (-tax\). Income \(loss\) before taxes, excluding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.25 Td (the pretax gain on sale, is as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 604.75 158.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 604.75 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 604.75 34.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 545.50 604.75 31.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 604.75 m 482.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 604.75 m 511.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 604.75 m 545.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 545.5 604.75 m 576.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 604.75 m 482.5 604.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 590.75 m 482.5 590.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 604.75 m 511.5 604.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 590.75 m 511.5 590.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 604.75 m 545.5 604.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 590.75 m 545.5 590.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 545.5 604.75 m 576.5 604.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 545.5 590.75 m 576.5 590.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 327.00 609.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.50 609.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 609.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.50 609.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 595.20 Td (Income \(loss\) before taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 595.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 595.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 595.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 595.21 Td (\(76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 595.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.00 595.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 595.21 Td (\(113) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 595.21 Td (\)) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 309 0 obj <> endobj 310 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (152) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (3. BUSINESS SEGMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 728.25 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 77.11 728.25 Td (s activities are conducted through the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 228.73 728.25 Td (GCB,ICG, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 716.25 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.78 716.25 Td ( and Citi Holdings business segments.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 704.25 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.00 704.25 Td ( includes a global, full-service consumer franchise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 692.25 Td (delivering a wide array of banking, including commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 680.25 Td (banking, credit card lending and investment services through a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 668.25 Td (network of local branches, of) Tj ET Q q 0 0 0 rg BT 152.72 668.25 Td (fices and electronic delivery ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 656.25 Td (systems and is composed of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.16 656.25 Td (four) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.82 656.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 169.32 656.25 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.32 656.25 Td ( businesses: ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 239.32 656.25 Td (North ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 644.25 Td (America, EMEA, Latin ) Tj ET Q q 0 0 0 rg BT 129.97 644.25 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.85 644.25 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 183.29 644.25 Td (Asia) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.06 644.25 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 632.25 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.22 632.25 Td ( is composed of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 136.77 632.25 Td (Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.09 632.25 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 189.53 632.25 Td (Markets and securities ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 620.25 Td (services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.21 620.25 Td ( and provides corporate, institutional, public sector ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 608.25 Td (and high-net-worth clients in approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.56 608.25 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.56 608.25 Td ( countries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 596.25 Td (with a broad range of banking and financial products and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 584.25 Td (services.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 572.25 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.78 572.25 Td ( includes certain unallocated costs of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 560.25 Td (global functions, other corporate expenses and net treasury ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 548.25 Td (results, unallocated corporate expenses, of) Tj ET Q q 0 0 0 rg BT 205.20 548.25 Td (fsets to certain line-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 536.25 Td (item reclassifications and eliminations, the results of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 524.25 Td (discontinued operations and unallocated taxes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 512.25 Td (Citi Holdings is composed of businesses and portfolios of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 500.25 Td (assets that Citigroup has determined are not central to its core ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 488.25 Td (Citicorp businesses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 476.25 Td (The accounting policies of these reportable segments are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 464.25 Td (the same as those disclosed in Note 1 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 452.25 Td (Financial Statements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 728.25 Td (The prior) Tj ET Q q 0 0 0 rg BT 379.29 728.25 Td (-period balances reflect reclassifications to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 716.25 Td (conform the presentation for all periods to the current period) Tj ET Q q 0 0 0 rg BT 569.20 716.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 704.25 Td (presentation. Ef) Tj ET Q q 0 0 0 rg BT 387.13 704.25 Td (fective January 1, 2015, financial data was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 692.25 Td (reclassified from Citicorp to Citi Holdings for the consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 680.25 Td (businesses in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.00 680.25 Td (1) Tj ET Q q 0 0 0 rg BT 383.63 680.25 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.63 680.25 Td ( markets and the consumer finance business in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 668.25 Td (Korea in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 361.21 668.25 Td (GCB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.71 668.25 Td (and certain businesses in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 485.35 668.25 Td (ICG ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.07 668.25 Td (that Citi had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 656.25 Td (plans to exit, changes in Citi) Tj ET Q q 0 0 0 rg BT 440.65 656.25 Td (s char) Tj ET Q q 0 0 0 rg BT 464.07 656.25 Td (ge-out of certain assets and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 644.25 Td (non-interest revenues from the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 448.96 644.25 Td (Corporate/Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.73 644.25 Td ( segment to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 632.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 632.25 Td (s businesses, changes in char) Tj ET Q q 0 0 0 rg BT 457.41 632.25 Td (ge-outs of certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 620.25 Td (administrative, operations and technology costs among Citi) Tj ET Q q 0 0 0 rg BT 564.23 620.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 608.25 Td (businesses, the re-attribution of regional results within) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 543.96 608.25 Td ( ICG ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 596.25 Td (and) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 338.44 596.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.94 596.25 Td (certain other immaterial reclassifications. Citi) Tj ET Q q 0 0 0 rg BT 529.21 596.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 584.25 Td (consolidated results remained unchanged for all periods ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 572.25 Td (presented as a result of the changes discussed above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 560.25 Td (In addition, as discussed in Note 1 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 548.25 Td (Financial Statements, Citi adopted ) Tj ET Q q 0 0 0 rg BT 463.70 548.25 Td (ASU 2014-01 in the first ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 536.25 Td (quarter of 2015. ) Tj ET Q q 0 0 0 rg BT 390.46 536.25 Td (The ) Tj ET Q q 0 0 0 rg BT 407.96 536.25 Td (ASU is applicable to Citi) Tj ET Q q 0 0 0 rg BT 511.29 536.25 Td (s portfolio of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 524.25 Td (low income housing tax credit partnership interests. Citi) Tj ET Q q 0 0 0 rg BT 551.18 524.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 512.25 Td (disclosures reflect the retrospective application of the ) Tj ET Q q 0 0 0 rg BT 539.75 512.25 Td (ASU ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 500.25 Td (and impacts Citi) Tj ET Q q 0 0 0 rg BT 392.33 500.25 Td (s consolidated assets, revenues, provision for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 488.25 Td (income taxes and net income for all periods presented. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 476.25 Td (The following table presents certain information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 464.25 Td (regarding the Company) Tj ET Q q 0 0 0 rg BT 421.20 464.25 Td (s continuing operations by segment:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 388.75 103.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 138.50 388.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 177.50 388.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 388.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 388.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 388.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 388.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.50 388.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 388.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 388.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 388.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 388.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 352.75 103.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 138.50 352.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 177.50 352.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 352.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 352.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 352.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 352.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.50 352.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 352.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 352.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 352.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 352.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 324.75 103.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 138.50 324.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 177.50 324.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 324.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 324.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 324.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 324.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.50 324.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 324.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 324.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 324.75 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 324.75 40.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 409.75 m 177.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177.5 409.75 m 217.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 409.75 m 257.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 409.75 m 297.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 409.75 m 336.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 409.75 m 376.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 409.75 m 416.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 409.75 m 455.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 409.75 m 495.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 409.75 m 535.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 409.75 m 575.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 388.75 m 138.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 388.75 m 177.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177.5 409.75 m 217.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177.5 388.75 m 217.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 409.75 m 257.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 388.75 m 257.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 388.75 m 297.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 409.75 m 336.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 388.75 m 336.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 409.75 m 376.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 388.75 m 376.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 388.75 m 416.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 409.75 m 455.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 388.75 m 455.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 409.75 m 495.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 388.75 m 495.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 388.75 m 535.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 388.75 m 575.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 388.75 m 177.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177.5 388.75 m 217.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 388.75 m 257.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 388.75 m 297.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 388.75 m 336.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 388.75 m 376.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 388.75 m 416.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 388.75 m 455.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 388.75 m 495.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 388.75 m 535.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 388.75 m 575.5 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 338.75 m 138.5 338.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 338.75 m 177.5 338.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 177.5 338.75 m 217.5 338.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 338.75 m 257.5 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310.75 l s 0 0 0 RG /GS0 gs 2.50 w 0 i [] 0 d 0 J 0 j 3 M 455.5 296.75 m 495.5 296.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 310.75 m 535.5 310.75 l s 0 0 0 RG /GS0 gs 2.50 w 0 i [] 0 d 0 J 0 j 3 M 495.5 296.75 m 535.5 296.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 310.75 m 575.5 310.75 l s 0 0 0 RG /GS0 gs 2.50 w 0 i [] 0 d 0 J 0 j 3 M 535.5 296.75 m 575.5 296.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 178.10 423.20 Td (Revenues,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 151.55 414.20 Td (netofinter) Tj ET Q q 0 0 0 rg BT 193.87 414.20 Td (estexpense) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 236.61 418.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.20 423.20 Td (Provision\(benefits\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.05 414.20 Td (forincometaxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.55 423.20 Td (Income\(loss\)fr) Tj ET Q q 0 0 0 rg BT 459.37 423.20 Td (om) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.20 414.20 Td (continuingoperations) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 473.96 418.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.60 414.20 Td (Identifiableassets) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 401.00 Td (Inmillionsofdollars,except) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 393.00 Td (identifiableassetsinbillions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 148.50 393.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 188.00 393.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.00 393.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.00 393.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.50 393.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.00 393.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.00 393.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.50 393.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.00 393.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 393.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.00 393.21 Td (2014) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 38.00 379.20 Td (Global Consumer Banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 141.00 379.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 149.25 379.20 Td (33,862) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.00 379.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 189.25 379.21 Td (36,017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.00 379.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.25 379.21 Td (36,305) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.00 379.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.75 379.20 Td (3,393) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 379.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 379.21 Td (3,414) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 379.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.75 379.21 Td (3,361) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.00 379.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.75 379.20 Td (6,382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.00 379.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.75 379.21 Td (6,819) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.00 379.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.75 379.21 Td (6,576) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 379.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 518.50 379.20 Td (394) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 379.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 379.21 Td (406) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 38.00 366.00 Td (Institutional Clients) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 38.00 357.00 Td (Group) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 149.25 357.20 Td (33,748) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 189.25 357.21 Td (33,052) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.25 357.21 Td (33,322) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.75 357.20 Td (4,383) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 357.21 Td (4,070) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.75 357.21 Td (4,174) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.75 357.20 Td (9,451) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.75 357.21 Td (9,534) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.75 357.21 Td (9,425) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.75 357.20 Td (1,211) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 357.21 Td (1,257) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 38.00 343.20 Td (Corporate/Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 160.50 343.20 Td (907) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 200.50 343.21 Td (301) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.50 343.21 Td (322) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.75 343.20 Td (\(1,339) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.00 343.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 343.21 Td (\(344) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 343.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.50 343.21 Td (\(216) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 343.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.50 343.20 Td (495) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.75 343.21 Td (\(5,375) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 343.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 343.21 Td (\(514) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 343.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 343.20 Td (52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 343.21 Td (50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 329.21 Td (Total Citicorp) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 141.00 329.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 149.25 329.20 Td (68,517) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.00 329.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 189.25 329.21 Td (69,370) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.00 329.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.25 329.21 Td (69,949) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.00 329.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.75 329.20 Td (6,437) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 329.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 329.21 Td (7,140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 329.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.75 329.21 Td (7,319) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.00 329.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.25 329.20 Td (16,328) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.00 329.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.25 329.21 Td (10,978) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.00 329.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.25 329.21 Td (15,487) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 329.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.75 329.20 Td (1,657) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 329.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 329.21 Td (1,713) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 315.21 Td (Citi Holdings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 153.75 315.20 Td (7,837) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 193.75 315.21 Td (7,849) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.75 315.21 Td (6,775) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.75 315.20 Td (1,003) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 315.21 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.75 315.21 Td (\(1,133) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 315.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.75 315.20 Td (1,058) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.75 315.21 Td (\(3,474) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 315.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.75 315.21 Td (\(1,871) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 315.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 315.20 Td (74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 315.21 Td (129) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 301.20 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 141.00 301.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 149.25 301.20 Td (76,354) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.00 301.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 189.25 301.21 Td (77,219) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.00 301.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.25 301.21 Td (76,724) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.00 301.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.75 301.20 Td (7,440) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 301.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 301.21 Td (7,197) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 301.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.75 301.21 Td (6,186) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.00 301.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.25 301.20 Td (17,386) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.00 301.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.75 301.21 Td (7,504) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.00 301.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.25 301.21 Td (13,616) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 301.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.75 301.20 Td (1,731) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 301.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 301.21 Td (1,842) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 279.65 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 279.65 Td (Includes Citicorp \(excluding ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 147.53 279.65 Td (Corporate/Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 201.75 279.65 Td (\) total revenues, net of interest expense, in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 339.04 279.65 Td (North ) Tj ET Q q 0 0 0 rg BT 359.57 279.65 Td (America) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.67 279.65 Td ( of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 397.33 279.65 Td ($32.6 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 438.22 279.65 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.22 279.65 Td ($32.6 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.11 279.65 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 498.66 279.65 Td ($31.1 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 539.55 279.65 Td (; in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 552.00 279.65 Td (EMEA) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 573.32 279.65 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 270.05 Td (of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 62.66 270.05 Td ($10.8 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.55 270.05 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 107.55 270.05 Td ($10.6 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 148.45 270.05 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 164.00 270.05 Td ($1) Tj ET Q q 0 0 0 rg BT 171.70 270.05 Td (1.3 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.59 270.05 Td (; in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 217.04 270.05 Td (Latin ) Tj ET Q q 0 0 0 rg BT 235.79 270.05 Td (America) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.89 270.05 Td ( of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 273.55 270.05 Td ($1) Tj ET Q q 0 0 0 rg BT 281.25 270.05 Td (1.2 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 314.14 270.05 Td (, and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.70 270.05 Td ($12.6 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 372.59 270.05 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 388.14 270.05 Td ($13.3 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.03 270.05 Td (; and in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 455.02 270.05 Td (Asia) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.25 270.05 Td ( of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.91 270.05 Td ($13.0 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 520.80 270.05 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 524.80 270.05 Td ($13.3 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.69 270.05 Td ( ) Tj ET Q BT /F1 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BT 404.00 241.25 Td ( in 2015, 2014 and 2013, respectively) Tj ET Q q 0 0 0 rg BT 523.90 241.25 Td (.) 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424.75 653.20 Td (2,516) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 653.21 Td (2,366) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 653.21 Td (2,566) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 639.21 Td (Investments, including dividends) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 639.20 Td (7,017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 639.21 Td (7,195) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 639.21 Td (6,919) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 625.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 625.21 Td (rading account assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 120.65 629.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 625.20 Td (5,942) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 625.21 Td (5,880) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 625.21 Td (6,277) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 611.21 Td (Other interest) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 88.23 615.29 Td (\(2\)) Tj 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Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 569.20 Td (5,052) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 569.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 569.21 Td (5,692) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 569.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 569.21 Td (6,236) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 555.21 Td (Federal funds purchased and securities loaned or sold under agreements to repurchase) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 555.20 Td (1,614) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 555.21 Td (1,895) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 555.21 Td (2,339) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 541.21 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 541.21 Td (rading account liabilities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 133.15 545.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 541.20 Td (216) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 541.21 Td (168) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 541.21 Td (169) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 527.21 Td (Short-term borrowings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 527.20 Td (522) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 527.21 Td (580) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 527.21 Td (597) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 513.21 Td (Long-term debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 513.20 Td (4,517) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 513.21 Td (5,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 513.21 Td (6,836) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 499.20 Td (Total interest expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.00 499.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 499.20 Td (11,921) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 499.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 499.21 Td (13,690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 499.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 499.21 Td (16,177) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 485.20 Td (Net interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.00 485.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 485.20 Td (46,630) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 485.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 485.21 Td (47,993) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 485.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 485.21 Td (46,793) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 471.21 Td (Provision for loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 471.20 Td (7,108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 471.21 Td (6,828) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 471.21 Td (7,604) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 457.20 Td (Net interest revenue after provision for loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.00 457.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 457.20 Td (39,522) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 457.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 457.21 Td (41,165) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 457.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 457.21 Td (39,189) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 435.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 435.65 Td (Interest expense on ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 117.75 435.65 Td (T) Tj ET Q q 0 0 0 rg BT 121.76 435.65 Td (rading account liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 202.64 435.65 Td ( of ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 213.31 435.65 Td (ICG) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 227.09 435.65 Td ( is reported as a reduction of interest revenue from ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 390.58 435.65 Td (T) Tj ET Q q 0 0 0 rg BT 394.59 435.65 Td (rading account assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 464.36 435.65 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 426.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 426.05 Td (During 2015, interest earned related to assets of significant disposals \(primarily OneMain Financial\) were reclassified into ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 447.44 426.05 Td (Other inter) Tj ET Q q 0 0 0 rg BT 482.92 426.05 Td (est.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 416.45 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 416.45 Td (Includes deposit insurance fees and char) Tj ET Q q 0 0 0 rg BT 182.91 416.45 Td (ges of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.24 416.45 Td ($1,1) Tj ET Q q 0 0 0 rg BT 217.95 416.45 Td (18 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 251.06 416.45 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.61 416.45 Td ($1,038 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.72 416.45 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 329.27 416.45 Td ($1,132 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 376.39 416.45 Td ( for 2015, 2014 and 2013, respectively) Tj ET Q q 0 0 0 rg BT 499.39 416.45 Td (.) Tj ET Q endstream endobj 313 0 obj <> endobj 314 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (154) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (5.COMMISSIONS ) Tj ET Q q 0 0 0 rg BT 123.79 749.25 Td (AND FEES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 729.25 Td (The primary components of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 149.86 729.25 Td (Commissions and fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.75 729.25 Td ( revenue are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 717.25 Td (investment banking fees, trading-related fees, credit card and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 705.25 Td (bank card fees and fees related to trade and securities services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 693.25 Td (in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 46.28 693.25 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.50 693.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 681.25 Td (Investment banking fees are substantially composed of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 669.25 Td (underwriting and advisory revenues and are recognized when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 657.25 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 77.11 657.25 Td (s performance under the terms of a contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 645.25 Td (arrangement is completed, which is typically at the closing of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 633.25 Td (the transaction. Underwriting revenue is recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 621.25 Td (Commissions and fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.89 621.25 Td (, net of both reimbursable and non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 609.25 Td (reimbursable expenses, consistent with the ) Tj ET Q q 0 0 0 rg BT 208.74 609.25 Td (AICP) Tj ET Q q 0 0 0 rg BT 230.60 609.25 Td (A) Tj ET Q q 0 0 0 rg BT 237.27 609.25 Td ( ) Tj ET Q q 0 0 0 rg BT 239.22 609.25 Td (Audit and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 597.25 Td (Accounting Guide for Brokers and Dealers in Securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 585.25 Td (\(codified in ) Tj ET Q q 0 0 0 rg BT 84.32 585.25 Td (ASC 940-605-05-1\). Expenses associated with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 573.25 Td (advisory transactions are recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 185.66 573.25 Td (Other operating ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 561.25 Td (expenses,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.04 561.25 Td ( net of client reimbursements. Out-of-pocket ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 549.25 Td (expenses are deferred and recognized at the time the related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 537.25 Td (revenue is recognized. In general, expenses incurred related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 525.25 Td (investment banking transactions that fail to close \(are not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 513.25 Td (consummated\) are recorded gross in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 183.45 513.25 Td (Other operating ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 501.25 Td (expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.54 501.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 737.10 Td (T) Tj ET Q q 0 0 0 rg BT 347.76 737.10 Td (rading-related fees primarily include commissions and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (fees from the following: executing transactions for clients on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (exchanges and over) Tj ET Q q 0 0 0 rg BT 402.65 713.10 Td (-the-counter markets; sale of mutual funds, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (insurance and other annuity products; and assisting clients in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (clearing transactions, providing brokerage services and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (such activities. ) Tj ET Q q 0 0 0 rg BT 385.75 677.10 Td (T) Tj ET Q q 0 0 0 rg BT 391.50 677.10 Td (rading-related fees are recognized when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (earned in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 363.42 665.10 Td (Commissions and fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.32 665.10 Td (. Gains or losses, if any) Tj ET Q q 0 0 0 rg BT 545.26 665.10 Td (, on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (these transactions are included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 459.23 653.10 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.95 653.10 Td ( \(see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (Note) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.94 641.10 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.94 641.10 Td ( to the Consolidated Financial Statements\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 629.10 Td (Credit card and bank card fees are primarily composed of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (interchange revenue and certain card fees, including annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (fees, reduced by reward program costs and certain partner ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (payments. Interchange revenue and fees are recognized when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (earned. ) Tj ET Q q 0 0 0 rg BT 355.09 581.10 Td (Annual card fees are deferred and amortized on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (straight-line basis over a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.53 569.10 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.53 569.10 Td (-month period. Reward costs are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (recognized when points are earned by the customers. ) Tj ET Q q 0 0 0 rg BT 537.91 557.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (following table presents ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 422.59 545.10 Td (Commissions and fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.48 545.10 Td ( revenue:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 462.75 321.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 462.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 462.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 462.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 434.75 321.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 434.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 434.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 434.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 406.75 321.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 406.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 406.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 406.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 378.75 321.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 378.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 378.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 378.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 350.75 321.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 350.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 350.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 350.75 73.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 476.75 m 357.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 476.75 m 430.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 476.75 m 503.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 476.75 m 576.5 476.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 350.75 m 357.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 350.75 m 430.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 350.75 m 503.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 350.75 m 576.5 350.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 336.75 m 357.5 336.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 336.75 m 430.5 336.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 336.75 m 503.5 336.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 336.75 m 576.5 336.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 481.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.50 481.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 481.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.50 481.21 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 467.21 Td (Investment banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.00 467.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.75 467.20 Td (3,423) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 467.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 467.21 Td (3,687) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 467.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 467.21 Td (3,315) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 453.21 Td (Trading-related) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.75 453.20 Td (2,345) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 453.21 Td (2,503) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 453.21 Td (2,563) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 439.21 Td (Credit cards and bank cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.75 439.20 Td (1,786) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 439.21 Td (2,227) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 439.21 Td (2,472) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 425.21 Td (Trade and securities services) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.75 425.20 Td (1,735) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 425.21 Td (1,871) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 425.21 Td (1,847) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 411.21 Td (Other consumer) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 96.73 415.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.50 411.20 Td (685) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 411.21 Td (885) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 411.21 Td (911) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 397.21 Td (Corporate finance) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 103.72 401.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.50 397.20 Td (493) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 397.21 Td (531) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 397.21 Td (516) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 383.21 Td (Checking-related) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.50 383.20 Td (497) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 383.21 Td (531) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 383.21 Td (551) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 369.21 Td (Loan servicing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.50 369.20 Td (404) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 369.21 Td (380) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 369.21 Td (500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 355.21 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.50 355.20 Td (480) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 355.21 Td (417) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 355.21 Td (266) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 341.20 Td (Total commissions and fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.00 341.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.25 341.20 Td (11,848) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 341.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 341.21 Td (13,032) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 341.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 341.21 Td (12,941) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 319.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 319.65 Td (Primarily consists of fees for investment fund administration and management, third-party collections, commercial demand deposit accounts and certain credit ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 310.05 Td (card services.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 300.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 300.45 Td (Consists primarily of fees earned from structuring and underwriting loan syndications.) Tj ET Q endstream endobj 315 0 obj <> endobj 316 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (155) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (6. PRINCIP) Tj ET Q q 0 0 0 rg BT 89.42 749.25 Td (AL) Tj ET Q q 0 0 0 rg BT 102.76 749.25 Td ( ) Tj ET Q q 0 0 0 rg BT 105.08 749.25 Td (TRANSACTIONS) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 729.25 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.72 729.25 Td ( revenue consists of realized and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 717.25 Td (unrealized gains and losses from trading activities. ) Tj ET Q q 0 0 0 rg BT 240.76 717.25 Td (T) Tj ET Q q 0 0 0 rg BT 246.52 717.25 Td (rading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 705.25 Td (activities include revenues from fixed income, equities, credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 693.25 Td (and commodities products and foreign exchange transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 681.25 Td (which are managed on a portfolio basis characterized by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 669.25 Td (primary risk. Not included in the table below is the impact of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 657.25 Td (net interest revenue related to trading activities, which is an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 645.25 Td (integral part of trading activities) Tj ET Q q 0 0 0 rg BT 167.43 645.25 Td ( profitability) Tj ET Q q 0 0 0 rg BT 217.05 645.25 Td (. See Note) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.93 645.25 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.93 645.25 Td ( to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 633.25 Td (the Consolidated Financial Statements for information about ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (net interest revenue related to trading activities. Principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (transactions include CV) Tj ET Q q 0 0 0 rg BT 418.80 737.10 Td (A) Tj ET Q q 0 0 0 rg BT 425.47 737.10 Td ( \(credit valuation adjustments on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (derivatives\), FV) Tj ET Q q 0 0 0 rg BT 387.70 725.10 Td (A) Tj ET Q q 0 0 0 rg BT 394.37 725.10 Td ( \(funding valuation adjustments\) on over) Tj ET Q q 0 0 0 rg BT 557.19 725.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (the-counter derivatives and DV) Tj ET Q q 0 0 0 rg BT 448.50 713.10 Td (A) Tj ET Q q 0 0 0 rg BT 455.17 713.10 Td ( \(debt valuation adjustments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (on issued liabilities for which the fair value option has been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (elected\). ) Tj ET Q q 0 0 0 rg BT 360.46 689.10 Td (These adjustments are discussed further in Note 25 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (the Consolidated Financial Statements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.00 665.10 Td ( ) Tj ET Q q 0 0 0 rg BT 338.32 665.10 Td (The following table presents principal transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (revenue:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 608.75 311.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.50 608.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 608.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 608.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 580.75 311.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.50 580.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 580.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 580.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 552.75 311.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.50 552.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 552.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 552.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 524.75 311.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.50 524.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 524.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 524.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 496.75 311.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.50 496.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 496.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 496.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 468.75 311.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.50 468.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 468.75 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 468.75 75.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 608.75 m 347.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 608.75 m 424.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 608.75 m 501.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 608.75 m 576.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 608.75 m 424.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 608.75 m 501.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 608.75 m 576.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 566.75 m 347.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 566.75 m 424.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 566.75 m 501.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 566.75 m 576.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 566.75 m 424.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 566.75 m 501.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 566.75 m 576.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 538.75 m 347.5 538.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 538.75 m 424.5 538.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 538.75 m 501.5 538.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 538.75 m 576.5 538.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 524.75 m 347.5 524.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 524.75 m 424.5 524.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 524.75 m 501.5 524.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 524.75 m 576.5 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 524.75 m 347.5 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 454.75 m 347.5 454.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 454.75 m 424.5 454.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 454.75 m 501.5 454.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 454.75 m 576.5 454.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 440.75 m 347.5 440.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 440.75 m 424.5 440.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 440.75 m 501.5 440.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 440.75 m 576.5 440.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 613.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 376.50 613.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.50 613.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.50 613.21 Td (2013) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 599.20 Td (Global Consumer Banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.00 599.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.50 599.20 Td (636) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 599.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.50 599.21 Td (699) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 599.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 599.21 Td (762) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 585.20 Td (Institutional Clients Group) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.75 585.20 Td (5,823) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.75 585.21 Td (5,905) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 585.21 Td (6,489) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 571.20 Td (Corporate/Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.50 571.20 Td (\(444) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.00 571.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 571.21 Td (\(380) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 571.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 571.21 Td (\(75) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 571.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 557.21 Td (Subtotal Citicorp) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.00 557.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.75 557.20 Td (6,015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 557.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.75 557.21 Td (6,224) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 557.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 557.21 Td (7,176) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 543.21 Td (Citi Holdings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.50 543.20 Td (\(7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.00 543.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.50 543.21 Td (474) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 543.21 Td (126) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 529.20 Td (Total Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.00 529.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.75 529.20 Td (6,008) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 529.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.75 529.21 Td (6,698) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 529.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 529.21 Td (7,302) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 515.21 Td (Interest rate risks) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 100.98 519.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.00 515.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.75 515.20 Td (3,798) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 515.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.75 515.21 Td (3,657) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 515.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 515.21 Td (4,055) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 501.21 Td (Foreign exchange risks) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 122.48 505.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.75 501.20 Td (1,532) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.75 501.21 Td (2,008) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 501.21 Td (2,307) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 487.21 Td (Equity risks) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 82.25 491.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.50 487.20 Td (\(303) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.00 487.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 487.21 Td (\(260) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 487.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 487.21 Td (319) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 473.21 Td (Commodity and other risks) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 137.24 477.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.50 473.20 Td (750) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.50 473.21 Td (590) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 473.21 Td (277) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 459.21 Td (Credit products and risks) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 129.24 463.29 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.50 459.20 Td (231) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.50 459.21 Td (703) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 459.21 Td (344) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 445.20 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.00 445.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.75 445.20 Td (6,008) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 445.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.75 445.21 Td (6,698) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 445.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 445.21 Td (7,302) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 423.65 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 423.65 Td (Includes revenues from government securities and corporate debt, municipal securities, mortgage securities and other debt instruments. ) Tj ET Q q 0 0 0 rg BT 488.31 423.65 Td (Also includes spot and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 414.05 Td (forward trading of currencies and exchange-traded and over) Tj ET Q q 0 0 0 rg BT 245.52 414.05 Td (-the-counter \(OTC\) currency options, options on fixed income securities, interest rate swaps, currency ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 404.45 Td (swaps, swap options, caps and floors, financial futures, OTC options and forward contracts on fixed income securities.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 394.85 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 394.85 Td (Includes revenues from foreign exchange spot, forward, option and swap contracts, as well as FX translation gains and losses.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 385.25 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 385.25 Td (Includes revenues from common, preferred and convertible preferred stock, convertible corporate debt, equity-linked notes and exchange-traded and OTC equity ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 375.65 Td (options and warrants.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 366.05 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 366.05 Td (Primarily includes revenues from crude oil, refined oil products, natural gas and other commodities trades.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 356.45 Td (\(5\) ) Tj ET Q q 0 0 0 rg BT 54.00 356.45 Td (Includes revenues from structured credit products.) Tj ET Q endstream endobj 317 0 obj <> endobj 318 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (156) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (7. INCENTIVE PLANS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (Discr) Tj ET Q q 0 0 0 rg BT 58.59 725.25 Td (etionary ) Tj ET Q q 0 0 0 rg BT 96.08 725.25 Td (Annual Incentive ) Tj ET Q q 0 0 0 rg BT 171.65 725.25 Td (A) Tj ET Q q 0 0 0 rg BT 178.13 725.25 Td (wards) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (Citigroup grants immediate cash bonus payments, deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (cash awards, stock payments and restricted and deferred stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (awards as part of its discretionary annual incentive award ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (program involving a lar) Tj ET Q q 0 0 0 rg BT 130.52 677.25 Td (ge segment of Citigroup) Tj ET Q q 0 0 0 rg BT 230.22 677.25 Td (s employees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (worldwide. Most of the shares of common stock issued by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (Citigroup as part of its equity compensation programs are to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (settle the vesting of the stock components of these awards. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 629.25 Td (Discretionary annual incentive awards are generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (awarded in the first quarter of the year based upon the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (previous year) Tj ET Q q 0 0 0 rg BT 90.52 605.25 Td () Tj ET Q q 0 0 0 rg BT 93.29 605.25 Td (s performance. ) Tj ET Q q 0 0 0 rg BT 154.66 605.25 Td (A) Tj ET Q q 0 0 0 rg BT 160.96 605.25 Td (wards valued at less than U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td ($100,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.50 593.25 Td ( \(or the local currency equivalent\) are generally paid ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (entirely in the form of an immediate cash bonus. Pursuant to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (Citigroup policy and/or regulatory requirements, certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (employees and of) Tj ET Q q 0 0 0 rg BT 106.35 557.25 Td (ficers are subject to mandatory deferrals of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (incentive pay and generally receive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.09 545.25 Td (25%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.42 545.25 Td ( to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.20 545.25 Td (60%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.53 545.25 Td ( of their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (awards in a combination of restricted or deferred stock and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (deferred cash. Discretionary annual incentive awards to many ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (employees in the EU are subject to deferral requirements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (regardless of the total award value, with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.72 497.25 Td (50%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.05 497.25 Td ( of the immediate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (incentive delivered in the form of a stock payment or stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (unit award subject to a restriction on sale or transfer or hold ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (back \(generally) Tj ET Q q 0 0 0 rg BT 97.26 461.25 Td (, for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.42 461.25 Td (six) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.09 461.25 Td ( months\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 449.25 Td (Deferred annual incentive awards may be delivered as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.00 437.25 Td ( awardsa restricted or deferred stock award under Citi) Tj ET Q q 0 0 0 rg BT 278.69 437.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 66.83 425.25 Td (Accumulation Program \(CAP\) and a deferred cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (award. ) Tj ET Q q 0 0 0 rg BT 65.25 413.25 Td (The applicable mix of CAP) Tj ET Q q 0 0 0 rg BT 174.85 413.25 Td ( and deferred cash awards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (may vary based on the employee) Tj ET Q q 0 0 0 rg BT 170.12 401.25 Td (s minimum deferral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (requirement and the country of employment. In some cases, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (the entire deferral will be in the form of either a CAP) Tj ET Q q 0 0 0 rg BT 248.61 377.25 Td ( or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (deferred cash award.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 353.25 Td (Subject to certain exceptions \(principally) Tj ET Q q 0 0 0 rg BT 217.74 353.25 Td (, for retirement-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.25 Td (eligible employees\), continuous employment within Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.25 Td (is required to vest in CAP) Tj ET Q q 0 0 0 rg BT 139.23 329.25 Td ( and deferred cash awards. Post-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.25 Td (employment vesting by retirement-eligible employees and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.25 Td (participants who meet other conditions is generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.25 Td (conditioned upon their refraining from competition with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.25 Td (Citigroup during the remaining vesting period, unless the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.25 Td (employment relationship has been terminated by Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.25 Td (under certain conditions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 245.25 Td (Generally) Tj ET Q q 0 0 0 rg BT 92.77 245.25 Td (, the CAP) Tj ET Q q 0 0 0 rg BT 131.57 245.25 Td ( and deferred cash awards vest in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.25 Td (equal annual installments over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.41 233.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.39 233.25 Td (- or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.05 233.25 Td (four) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.51 233.25 Td (-year periods. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.25 Td (V) Tj ET Q q 0 0 0 rg BT 42.11 221.25 Td (ested CAP) Tj ET Q q 0 0 0 rg BT 84.24 221.25 Td ( awards are delivered in shares of common stock. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.25 Td (Deferred cash awards are payable in cash and earn a fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.25 Td (notional rate of interest that is paid only if and when the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.25 Td (underlying principal award amount vests. Generally) Tj ET Q q 0 0 0 rg BT 243.07 185.25 Td (, in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.25 Td (EU, vested CAP) Tj ET Q q 0 0 0 rg BT 101.46 173.25 Td ( shares are subject to a restriction on sale or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.25 Td (transfer after vesting, and vested deferred cash awards are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.25 Td (subject to hold back \(generally) Tj ET Q q 0 0 0 rg BT 158.64 149.25 Td (, for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.80 149.25 Td (six) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.47 149.25 Td ( months in each case\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 137.25 Td (Unvested CAP) Tj ET Q q 0 0 0 rg BT 113.35 137.25 Td ( and deferred cash awards made in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.25 Td (January201) Tj ET Q q 0 0 0 rg BT 84.23 125.25 Td (1 or later are subject to one or more clawback ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.25 Td (provisions that apply in certain circumstances, including in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.25 Td (case of employee risk-limit violations or other misconduct, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.25 Td (where the awards were based on earnings that were misstated. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.25 Td (CAP) Tj ET Q q 0 0 0 rg BT 55.08 77.25 Td ( awards made to certain employees in February2013 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.25 Td (later) Tj ET Q q 0 0 0 rg BT 53.36 65.25 Td (, and deferred cash awards made to certain employees in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.25 Td (January2012, are subject to a formulaic performance-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (vesting condition pursuant to which amounts otherwise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (scheduled to vest will be reduced based on the amount of any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (pretax loss in the participant) Tj ET Q q 0 0 0 rg BT 440.08 725.10 Td (s business in the calendar year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (preceding the scheduled vesting date. For CAP) Tj ET Q q 0 0 0 rg BT 511.64 713.10 Td ( awards made ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (in February2013 and later) Tj ET Q q 0 0 0 rg BT 429.68 701.10 Td (, a minimum reduction of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.10 701.10 Td (20%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.43 701.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (applies for the first dollar of loss. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 677.10 Td (In addition, deferred cash awards made to certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (employees in February2013 and later are subject to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (discretionary performance-based vesting condition under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (which an amount otherwise scheduled to vest may be reduced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (in the event of a material adverse outcome for which a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (participant has significant responsibility) Tj ET Q q 0 0 0 rg BT 488.03 617.10 Td (. Deferred cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (awards made to these employees in February 2014 and later ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (are subject to an additional clawback provision pursuant to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (which unvested awards may be canceled if the employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (engaged in misconduct or exercised materially imprudent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (judgment, or failed to supervise or escalate the behavior of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (other employees who did. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 533.10 Td (Certain CAP) Tj ET Q q 0 0 0 rg BT 393.02 533.10 Td ( and other stock-based awards, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (those to participants in the EU that are subject to certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (discretionary clawback provisions, are subject to variable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (accounting, pursuant to which the associated value of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (award fluctuates with changes in Citigroup) Tj ET Q q 0 0 0 rg BT 498.68 485.10 Td (s common stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (price until the date that the award is settled, either in cash or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (shares. For these awards, the total amount that will be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (recognized as expense cannot be determined in full until the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (settlement date. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (Sign-on and Long-T) Tj ET Q q 0 0 0 rg BT 409.23 413.10 Td (erm Retention ) Tj ET Q q 0 0 0 rg BT 472.54 413.10 Td (A) Tj ET Q q 0 0 0 rg BT 479.02 413.10 Td (wards) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (Stock awards and deferred cash awards may be made at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (various times during the year as sign-on awards to induce new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (hires to join Citi or to high-potential employees as long-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (retention awards.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 353.10 Td (V) Tj ET Q q 0 0 0 rg BT 348.11 353.10 Td (esting periods and other terms and conditions pertaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (to these awards tend to vary by grant. Generally) Tj ET Q q 0 0 0 rg BT 515.23 341.10 Td (, recipients ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (must remain employed through the vesting dates to vest in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (awards, except in cases of death, disability or involuntary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (termination other than for gross misconduct. ) Tj ET Q q 0 0 0 rg BT 512.94 305.10 Td (These awards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (do not usually provide for post-employment vesting by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (retirement-eligible participants. ) Tj ET Q endstream endobj 319 0 obj <> endobj 320 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (157) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Outstanding \(Unvested\) Stock ) Tj ET Q q 0 0 0 rg BT 166.30 749.25 Td (A) Tj ET Q q 0 0 0 rg BT 172.78 749.25 Td (wards) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (A) Tj ET Q q 0 0 0 rg BT 42.67 737.25 Td ( summary of the status of unvested stock awards granted as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (discretionary annual incentive or sign-on and long-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (retention awards is presented below:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 654.75 136.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 172.50 654.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 654.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 626.75 136.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 172.50 626.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 626.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 598.75 136.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 172.50 598.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 225.50 598.75 63.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 654.75 m 172.5 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 172.5 654.75 m 225.5 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 654.75 m 288.5 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 654.75 m 172.5 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 172.5 654.75 m 225.5 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 654.75 m 288.5 654.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 598.75 m 172.5 598.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 584.75 m 172.5 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 172.5 598.75 m 225.5 598.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 172.5 584.75 m 225.5 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 598.75 m 288.5 598.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 225.5 584.75 m 288.5 584.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 659.20 Td (Unvestedstockawards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 185.55 659.20 Td (Shares) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 236.75 694.15 Td (W) Tj ET Q q 0 0 0 rg BT 245.25 694.15 Td (eighted-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.85 685.15 Td (averagegrant) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 240.20 676.15 Td (datefair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.70 667.15 Td (value per) Tj ET Q q 0 0 0 rg BT 274.28 667.15 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 246.05 658.15 Td (shar) Tj ET Q q 0 0 0 rg BT 262.89 658.15 Td (e) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 645.21 Td (Unvested at January 1, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.50 645.20 Td (50,004,393) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.00 645.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 645.20 Td (42.52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 631.21 Td (Granted) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 67.99 635.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.50 631.20 Td (17,815,456) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 631.20 Td (50.33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 617.21 Td (Canceled) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.00 617.20 Td (\(2,005,875) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.00 617.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 617.20 Td (44.71) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 603.21 Td (V) Tj ET Q q 0 0 0 rg BT 44.50 603.21 Td (ested) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 62.99 607.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 178.50 603.20 Td (\(23,953,683) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.00 603.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 603.20 Td (42.53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 589.21 Td (Unvested at December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.50 589.20 Td (41,860,291) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.00 589.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 589.20 Td (45.73) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 566.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 566.05 Td (The weighted-average fair value of the shares granted during 2014 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 556.45 Td (2013 was ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 86.44 556.45 Td ($49.65) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 108.44 556.45 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 123.99 556.45 Td ($43.96) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 145.99 556.45 Td (, respectively) Tj ET Q q 0 0 0 rg BT 188.12 556.45 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 546.85 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 546.85 Td (The weighted-average fair value of the shares vesting during 2015 was ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 537.25 Td (approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 102.21 537.25 Td ($48.09) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 124.21 537.25 Td ( per share.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 517.25 Td (T) Tj ET Q q 0 0 0 rg BT 59.41 517.25 Td (otal unrecognized compensation cost related to unvested ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 505.25 Td (stock awards, excluding the impact of forfeiture estimates, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 493.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.05 493.25 Td ($634 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.44 493.25 Td ( at December 31, 2015. ) Tj ET Q q 0 0 0 rg BT 203.56 493.25 Td (The cost is expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 481.25 Td (to be recognized over a weighted-average period of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.23 481.25 Td (1.5 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.33 481.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 469.25 Td (However) Tj ET Q q 0 0 0 rg BT 72.25 469.25 Td (, the value of the portion of these awards that is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 457.25 Td (subject to variable accounting will fluctuate with changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 445.25 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 77.11 445.25 Td (s common stock price.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 421.25 Td (Performance Shar) Tj ET Q q 0 0 0 rg BT 114.40 421.25 Td (e Units) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 409.25 Td (Certain executive of) Tj ET Q q 0 0 0 rg BT 116.89 409.25 Td (ficers were awarded a tar) Tj ET Q q 0 0 0 rg BT 217.20 409.25 Td (get number of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 397.25 Td (performance share units \(PSUs\) on February19, 2013, for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 385.25 Td (performance in 2012, and to a broader group of executives on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 373.25 Td (February 18, 2014 and February 18, 2015, for performance in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 361.25 Td (2013 and 2014, respectively) Tj ET Q q 0 0 0 rg BT 148.10 361.25 Td (. PSUs will be earned only to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 349.25 Td (extent that Citigroup attains specified performance goals ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 337.25 Td (relating to Citigroup) Tj ET Q q 0 0 0 rg BT 120.43 337.25 Td (s return on assets and relative total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 325.25 Td (shareholder return against peers over the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.93 325.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.92 325.25 Td (-year period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 313.25 Td (beginning with the year of award. ) Tj ET Q q 0 0 0 rg BT 173.28 313.25 Td (The actual dollar amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 301.25 Td (ultimately earned could vary from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.12 301.25 Td (zero) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.32 301.25 Td (, if performance goals ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 289.25 Td (are not met, to as much as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.64 289.25 Td (150%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.97 289.25 Td ( of tar) Tj ET Q q 0 0 0 rg BT 189.66 289.25 Td (get, if performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 277.25 Td (goals are meaningfully exceeded. ) Tj ET Q q 0 0 0 rg BT 172.15 277.25 Td (The value of each PSU is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 265.25 Td (equal to the value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.14 265.25 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.57 265.25 Td ( share of Citi common stock. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 253.25 Td ( PSUs were granted on February 16, 2016, for performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 241.25 Td (in 2015. ) Tj ET Q q 0 0 0 rg BT 73.60 241.25 Td (The 2016 PSUs are earned over a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.94 241.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.93 241.25 Td (-year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 229.25 Td (performance period based on Citigroup) Tj ET Q q 0 0 0 rg BT 195.95 229.25 Td (s relative total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 217.25 Td (shareholder return as compared to peers. ) Tj ET Q q 0 0 0 rg BT 202.97 217.25 Td (The actual dollar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 205.25 Td (amounts ultimately earned could vary from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.50 205.25 Td (zero) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.71 205.25 Td (, if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 193.25 Td (performance goals are not met, to as much as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.27 193.25 Td (150%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.60 193.25 Td ( of tar) Tj ET Q q 0 0 0 rg BT 266.29 193.25 Td (get, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 181.25 Td (if performance goals are meaningfully exceeded. ) Tj ET Q q 0 0 0 rg BT 233.78 181.25 Td (The value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 169.25 Td (each PSU is equal to the value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.97 169.25 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.40 169.25 Td ( share of Citi common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 157.25 Td (stock. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td ( PSUs are subject to variable accounting, pursuant to which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (the associated value of the award will fluctuate with changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (in Citigroup) Tj ET Q q 0 0 0 rg BT 375.39 725.10 Td (s stock price and the attainment of the specified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (performance goals for each award, until the award is settled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (solely in cash after the end of the performance period. ) Tj ET Q q 0 0 0 rg BT 542.34 701.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (value of the award, subject to the performance goals, is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (estimated using a simulation model that incorporates multiple ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (valuation assumptions, including the probability of achieving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (the specified performance goals of each award. ) Tj ET Q q 0 0 0 rg BT 517.33 653.10 Td (The risk-free ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (rate used in the model is based on the applicable U.S. ) Tj ET Q q 0 0 0 rg BT 540.15 641.10 Td (T) Tj ET Q q 0 0 0 rg BT 545.91 641.10 Td (reasury ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (yield curve. Other significant assumptions for the awards are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 589.60 132.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 589.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 589.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.50 589.60 40.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 589.6 m 455.5 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 589.6 m 495.5 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 589.6 m 535.5 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 589.6 m 575.5 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 561.6 m 455.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 561.6 m 495.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 561.6 m 535.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535.5 561.6 m 575.5 561.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 594.05 Td (Valuation Assumptions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 594.05 Td (2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 594.05 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.00 594.05 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 580.06 Td (Expected volatility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.25 580.06 Td (27.13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.50 580.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.25 580.06 Td (39.12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 580.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 580.06 Td (42.65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 580.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 566.06 Td (Expected dividend yield) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.75 566.06 Td (0.08) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.50 566.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 566.06 Td (0.08) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 566.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 566.06 Td (0.12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 566.06 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 577.00 562.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 550.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 538.10 Td (A) Tj ET Q q 0 0 0 rg BT 348.67 538.10 Td ( summary of the performance share unit activity for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 526.10 Td (2015 is presented below:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 473.60 136.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 473.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 473.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 445.60 136.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 445.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 445.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 417.60 136.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 417.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 417.60 63.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 473.6 m 459.5 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 473.6 m 512.5 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 473.6 m 575.5 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 473.6 m 459.5 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 473.6 m 512.5 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 473.6 m 575.5 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 417.6 m 459.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 403.6 m 459.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 417.6 m 512.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 403.6 m 512.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 417.6 m 575.5 417.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 403.6 m 575.5 403.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 478.05 Td (Performance Share Units) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.20 478.05 Td (Units) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.75 505.05 Td (W) Tj ET Q q 0 0 0 rg BT 532.25 505.05 Td (eighted-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.85 496.05 Td (averagegrant) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.20 487.05 Td (datefair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.80 478.05 Td (value per) Tj ET Q q 0 0 0 rg BT 552.38 478.05 Td ( unit) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 464.06 Td (Outstanding, beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 464.05 Td (843,793) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 464.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 464.05 Td (46.28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 450.06 Td (Granted) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 354.99 454.14 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 450.05 Td (513,464) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 450.05 Td (44.07) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 436.06 Td (Canceled) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 436.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 436.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 422.06 Td (Payments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 422.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 422.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 408.06 Td (Outstanding, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 408.05 Td (1,357,257) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 408.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 408.05 Td (45.45) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 384.90 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 333.33 388.52 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 339.83 384.90 Td (The weighted-average grant date fair value per unit awarded in 2014 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 375.30 Td (2013 was ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.44 375.30 Td ($48.34) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 396.44 375.30 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.99 375.30 Td ($42.26) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.99 375.30 Td (, respectively) Tj ET Q q 0 0 0 rg BT 476.12 375.30 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 353.70 Td (Stock Option Pr) Tj ET Q q 0 0 0 rg BT 393.27 353.70 Td (ograms) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.70 Td (Stock options have not been granted to Citi) Tj ET Q q 0 0 0 rg BT 499.81 341.70 Td (s employees as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.70 Td (part of the annual incentive award programs since 2009. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 317.70 Td (All outstanding stock options are fully vested with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.70 Td (related expense recognized as a char) Tj ET Q q 0 0 0 rg BT 469.57 305.70 Td (ge to income in prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.70 Td (periods. Generally) Tj ET Q q 0 0 0 rg BT 397.21 293.70 Td (, the stock options outstanding have a six-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.70 Td (year term, with some stock options subject to various transfer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.70 Td (restrictions. Cash received from employee stock option ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.70 Td (exercises under this program for the year ended December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.70 Td (2015 was approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.81 245.70 Td ($634 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.20 245.70 Td (.) Tj ET Q endstream endobj 321 0 obj <> endobj 322 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (158) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (Information with respect to stock option activity under Citigroup) Tj ET Q q 0 0 0 rg BT 316.17 749.10 Td (s stock option programs follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 683.60 133.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 683.60 53.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.50 683.60 46.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.50 683.60 42.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.50 683.60 50.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 683.60 44.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 683.60 39.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 683.60 50.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 683.60 44.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 683.60 39.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 647.60 133.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 647.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.50 647.60 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.50 647.60 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.50 647.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 647.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 647.60 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 647.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 647.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 647.60 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 619.60 133.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 619.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.50 619.60 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.50 619.60 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.50 619.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 619.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 619.60 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 619.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 619.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 619.60 39.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 724.6 m 222.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 724.6 m 268.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 724.6 m 310.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 724.6 m 360.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 724.6 m 404.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 724.6 m 443.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 724.6 m 493.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 724.6 m 537.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 724.6 m 576.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 683.6 m 169.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 683.6 m 222.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 724.6 m 268.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 683.6 m 268.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 724.6 m 310.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 683.6 m 310.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 683.6 m 360.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 724.6 m 404.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 683.6 m 404.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 724.6 m 443.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 683.6 m 443.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 683.6 m 493.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 724.6 m 537.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 683.6 m 537.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 724.6 m 576.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 683.6 m 576.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 683.6 m 222.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 683.6 m 268.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 683.6 m 310.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 683.6 m 404.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 683.6 m 443.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 683.6 m 537.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 683.6 m 576.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 619.6 m 169.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 619.6 m 222.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 619.6 m 268.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 619.6 m 310.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 619.6 m 360.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 619.6 m 404.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 619.6 m 443.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 619.6 m 493.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 619.6 m 537.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 619.6 m 576.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 605.6 m 169.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 619.6 m 268.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 619.6 m 310.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 619.6 m 404.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 619.6 m 443.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 619.6 m 537.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 619.6 m 576.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 591.6 m 169.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 605.6 m 222.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 591.6 m 222.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 605.6 m 268.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 591.6 m 268.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 605.6 m 310.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 591.6 m 310.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 605.6 m 360.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 591.6 m 360.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 605.6 m 404.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 591.6 m 404.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 605.6 m 443.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 591.6 m 443.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 605.6 m 493.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 591.6 m 493.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 605.6 m 537.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 591.6 m 537.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 605.6 m 576.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 591.6 m 576.5 591.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 729.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.50 729.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 729.06 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.50 729.06 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 688.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 180.20 688.05 Td (Options) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 225.25 715.05 Td (W) Tj ET Q q 0 0 0 rg BT 233.75 715.05 Td (eighted-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.00 706.05 Td (average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.80 697.05 Td (exer) Tj ET Q q 0 0 0 rg BT 246.12 697.05 Td (cise) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 235.25 688.05 Td (price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.45 706.05 Td (Intrinsic) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.70 697.05 Td (value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.00 688.05 Td (per) Tj ET Q q 0 0 0 rg BT 283.83 688.05 Td (shar) Tj ET Q q 0 0 0 rg BT 302.92 688.05 Td (e) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.70 688.06 Td (Options) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.35 715.06 Td (W) Tj ET Q q 0 0 0 rg BT 371.12 715.06 Td (eighted-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.00 706.06 Td (average) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.25 697.06 Td (exercise) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 688.06 Td (price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.50 706.06 Td (Intrinsic) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.75 697.06 Td (value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.10 688.06 Td (pershare) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.70 688.06 Td (Options) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.35 715.06 Td (W) Tj ET Q q 0 0 0 rg BT 504.12 715.06 Td (eighted-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 706.06 Td (average) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.25 697.06 Td (exercise) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 688.06 Td (price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 706.06 Td (Intrinsic) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 697.06 Td (value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.10 688.06 Td (pershare) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 675.00 Td (Outstanding, beginning of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 666.00 Td (period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 178.50 666.05 Td (26,514,119) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 225.00 666.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.75 666.05 Td (48.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.00 666.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.25 666.05 Td (6.11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 666.06 Td (31,508,106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 666.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.75 666.06 Td (50.72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.00 666.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.25 666.06 Td (1.39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.50 666.06 Td (35,020,397) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 666.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.75 666.06 Td (51.20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 666.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 666.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 652.06 Td (Canceled) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.75 652.05 Td (\(7,901) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.00 652.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.75 652.05 Td (40.80) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.00 652.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.25 652.06 Td (\(28,257) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 652.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.75 652.06 Td (40.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.00 652.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.25 652.06 Td (\(50,914) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 652.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.25 652.06 Td (212.35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 652.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 638.06 Td (Expired) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 180.00 638.05 Td (\(1,646,581) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.00 638.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.75 638.05 Td (40.85) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.00 638.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 638.06 Td (\(602,093) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 638.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.25 638.06 Td (242.43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.00 638.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.25 638.06 Td (\(86,964) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 638.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.25 638.06 Td (528.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 638.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 624.06 Td (Exercised) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 175.50 624.05 Td (\(18,203,048) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.00 624.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.75 624.05 Td (41.39) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.75 624.05 Td (13.03) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 624.06 Td (\(4,363,637) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 624.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.75 624.06 Td (40.82) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.75 624.06 Td (11.37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 624.06 Td (\(3,374,413) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 624.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.75 624.06 Td (40.81) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 624.06 Td (9.54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 610.05 Td (Outstanding, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.00 610.05 Td (6,656,588) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 225.00 610.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.75 610.05 Td (67.92) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.00 610.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.00 610.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 610.06 Td (26,514,119) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 610.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.75 610.06 Td (48.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.00 610.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.25 610.06 Td (6.11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.50 610.06 Td (31,508,106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 610.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.75 610.06 Td (50.72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 610.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 610.06 Td (1.39) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 596.05 Td (Exercisable, end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.00 596.05 Td (6,656,588) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.00 596.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 596.06 Td (26,514,119) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.00 596.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 596.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.50 596.06 Td (30,662,588) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 596.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 596.06 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 563.30 Td ( ) Tj ET Q q 0 0 0 rg BT 50.82 563.30 Td (The following table summarizes information about stock options outstanding under Citigroup) Tj ET Q q 0 0 0 rg BT 427.98 563.30 Td (s stock option programs at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 548.90 Td (December31, 2015:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 492.40 199.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 492.40 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 492.40 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 492.40 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 492.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 492.40 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 464.40 199.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 464.40 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 464.40 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 464.40 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 464.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 464.40 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 436.40 199.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 436.40 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 436.40 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 436.40 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 436.40 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 436.40 79.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 524.4 m 366.5 524.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 524.4 m 445.5 524.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 524.4 m 497.5 524.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 524.4 m 576.5 524.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 492.4 m 235.5 492.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 492.4 m 290.5 492.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 492.4 m 366.5 492.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 524.4 m 445.5 524.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 492.4 m 445.5 492.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 492.4 m 497.5 492.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 524.4 m 576.5 524.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 492.4 m 576.5 492.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 492.4 m 290.5 492.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 492.4 m 366.5 492.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 492.4 m 445.5 492.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 492.4 m 497.5 492.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 492.4 m 576.5 492.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 422.4 m 235.5 422.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 408.4 m 235.5 408.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 422.4 m 290.5 422.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 408.4 m 290.5 408.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 422.4 m 366.5 422.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 408.4 m 366.5 408.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 422.4 m 445.5 422.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 408.4 m 445.5 408.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 422.4 m 497.5 422.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 408.4 m 497.5 408.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 422.4 m 576.5 422.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 408.4 m 576.5 408.4 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 528.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.50 528.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.35 528.85 Td (Optionsoutstanding) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.95 528.85 Td (Optionsexercisable) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 496.85 Td (Rangeofexerciseprices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 246.55 505.85 Td (Number) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.70 496.85 Td (outstanding) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.25 514.85 Td (W) Tj ET Q q 0 0 0 rg BT 301.75 514.85 Td (eighted-average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.85 505.85 Td (contractuallife) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.30 496.85 Td (r) Tj ET Q q 0 0 0 rg BT 312.13 496.85 Td (emaining) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.75 505.85 Td (W) Tj ET Q q 0 0 0 rg BT 379.25 505.85 Td (eighted-average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.45 496.85 Td (exer) Tj ET Q q 0 0 0 rg BT 395.77 496.85 Td (ciseprice) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.05 505.85 Td (Number) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.80 496.85 Td (exer) Tj ET Q q 0 0 0 rg BT 466.12 496.85 Td (cisable) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.75 505.85 Td (W) Tj ET Q q 0 0 0 rg BT 510.25 505.85 Td (eighted-average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.45 496.85 Td (exer) Tj ET Q q 0 0 0 rg BT 526.77 496.85 Td (ciseprice) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 482.86 Td ($39.00$49.99) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 97.50 486.94 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.00 482.85 Td (5,763,424) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.15 482.85 Td (1.0 year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 482.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.75 482.85 Td (48.16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 482.85 Td (5,763,424) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 482.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 482.85 Td (48.16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 468.86 Td ($50.00$99.99) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.25 468.85 Td (66,660) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 468.85 Td (5.4 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.75 468.85 Td (56.25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.25 468.85 Td (66,660) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 468.85 Td (56.25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 454.86 Td ($100.00$199.99) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.75 454.85 Td (502,416) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 454.85 Td (3.0 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.25 454.85 Td (147.13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.75 454.85 Td (502,416) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 454.85 Td (147.13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 440.86 Td ($200.00$299.99) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.75 440.85 Td (124,088) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 440.85 Td (2.1 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.25 440.85 Td (240.28) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.75 440.85 Td (124,088) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 440.85 Td (240.28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 426.86 Td ($300.00$399.99) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.75 426.85 Td (200,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 426.85 Td (2.1 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.25 426.85 Td (335.50) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.75 426.85 Td (200,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 426.85 Td (335.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 412.86 Td (Total at December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.00 412.85 Td (6,656,588) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 412.85 Td (1.3 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 412.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.75 412.85 Td (67.92) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 412.85 Td (6,656,588) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 412.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 412.85 Td (67.92) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 380.90 Td (Other) Tj ET Q q 0 0 0 rg BT 61.37 380.90 Td ( ) Tj ET Q q 0 0 0 rg BT 63.69 380.90 Td (V) Tj ET Q q 0 0 0 rg BT 69.99 380.90 Td (ariable Incentive Compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 368.90 Td (Citigroup has various incentive plans globally that are used to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 356.90 Td (motivate and reward performance primarily in the areas of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 344.90 Td (sales, operational excellence and customer satisfaction. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 332.90 Td (Participation in these plans is generally limited to employees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 320.90 Td (who are not eligible for discretionary annual incentive awards.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 296.90 Td (Summary) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 284.90 Td (Except for awards subject to variable accounting, the total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 272.90 Td (expense recognized for stock awards represents the grant date ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 260.90 Td (fair value of such awards, which is generally recognized as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 248.90 Td (char) Tj ET Q q 0 0 0 rg BT 53.03 248.90 Td (ge to income ratably over the vesting period, other than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 236.90 Td (for awards to retirement-eligible employees and immediately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 224.90 Td (vested awards. ) Tj ET Q q 0 0 0 rg BT 97.19 224.90 Td (Whenever awards are made or are expected to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 212.90 Td (be made to retirement-eligible employees, the char) Tj ET Q q 0 0 0 rg BT 238.79 212.90 Td (ge to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 200.90 Td (income is accelerated based on when the applicable conditions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 188.90 Td (to retirement eligibility were or will be met. If the employee is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 176.90 Td (retirement eligible on the grant date, or the award is vested at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 164.90 Td (grant date, the entire expense is recognized in the year prior to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 152.90 Td (grant. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 140.90 Td (Recipients of Citigroup stock awards generally do not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 128.90 Td (have any stockholder rights until shares are delivered upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 116.90 Td (vesting or exercise, or after the expiration of applicable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 104.90 Td (required holding periods. Recipients of restricted or deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 92.90 Td (stock awards and stock unit awards, however) Tj ET Q q 0 0 0 rg BT 216.38 92.90 Td (, may be entitled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 80.90 Td (to receive dividends or dividend-equivalent payments during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 68.90 Td (the vesting period. Recipients of restricted stock awards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 56.90 Td (generally are entitled to vote the shares in their award during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 380.90 Td (the vesting period. Once a stock award vests, the shares are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 368.90 Td (freely transferable, unless they are subject to a restriction on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 356.90 Td (sale or transfer for a specified period. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 344.90 Td (All equity awards granted since ) Tj ET Q q 0 0 0 rg BT 470.57 344.90 Td (April19, 2005, have been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 332.90 Td (made pursuant to stockholder) Tj ET Q q 0 0 0 rg BT 441.83 332.90 Td (-approved stock incentive plans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 320.90 Td (that are administered by the Personnel and Compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 308.90 Td (Committee of the Citigroup Board of Directors, which is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 296.90 Td (composed entirely of independent non-employee directors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 284.90 Td (At December31, 2015, approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.34 284.90 Td (54.4 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.23 284.90 Td ( shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 272.90 Td (of Citigroup common stock were authorized and available for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 260.90 Td (grant under Citigroup) Tj ET Q q 0 0 0 rg BT 413.43 260.90 Td (s 2014 Stock Incentive Plan, the only ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 248.90 Td (plan from which equity awards are currently granted.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 236.90 Td (The 2014 Stock Incentive Plan and predecessor plans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 224.90 Td (permit the use of treasury stock or newly issued shares in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 212.90 Td (connection with awards granted under the plans. Newly issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 200.90 Td (shares were distributed to settle the vesting of the majority of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 188.90 Td (annual deferred stock awards in 2012 to 2015. ) Tj ET Q q 0 0 0 rg BT 511.27 188.90 Td (T) Tj ET Q q 0 0 0 rg BT 517.02 188.90 Td (reasury shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 176.90 Td (were used to settle vestings in the first quarter of 2016. ) Tj ET Q q 0 0 0 rg BT 548.49 176.90 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 164.90 Td (use of treasury stock or newly issued shares to settle stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 152.90 Td (awards does not af) Tj ET Q q 0 0 0 rg BT 398.52 152.90 Td (fect the compensation expense recorded in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 140.90 Td (the Consolidated Statement of Income for equity awards.) Tj ET Q endstream endobj 323 0 obj <> endobj 324 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (159) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (Incentive Compensation Cost) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (The following table shows components of compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (expense, relating to certain of the above incentive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (compensation programs, recorded during 2015, 2014 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (2013:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 664.60 144.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 180.50 664.60 36.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 664.60 36.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.50 664.60 36.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 609.60 144.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 180.50 609.60 36.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 609.60 36.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.50 609.60 36.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 563.60 144.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 180.50 563.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 563.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.50 563.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 526.60 144.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 180.50 526.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 526.60 36.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.50 526.60 36.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 664.6 m 180.5 664.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 664.6 m 216.5 664.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 664.6 m 252.5 664.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252.5 664.6 m 288.5 664.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 664.6 m 216.5 664.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 664.6 m 252.5 664.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252.5 664.6 m 288.5 664.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 512.6 m 180.5 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 498.6 m 180.5 498.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 512.6 m 216.5 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 498.6 m 216.5 498.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 512.6 m 252.5 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 498.6 m 252.5 498.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252.5 512.6 m 288.5 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252.5 498.6 m 288.5 498.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 668.85 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.00 669.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 669.06 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.00 669.06 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 655.06 Td (Charges for estimated awards to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 646.06 Td (retirement-eligible employees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.00 646.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.50 646.05 Td (541) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 219.00 646.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 235.50 646.06 Td (525) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.00 646.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 646.06 Td (468) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 632.06 Td (Amortization of deferred cash) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 623.06 Td (awards, deferred cash stock units and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 614.06 Td (performance stock units) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.50 614.05 Td (325) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 235.50 614.06 Td (311) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 614.06 Td (323) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 600.06 Td (Immediately vested stock award ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 591.06 Td (expense) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 67.99 595.14 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 204.00 591.05 Td (61) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.00 591.06 Td (51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 591.06 Td (54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 577.06 Td (Amortization of restricted and ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 568.06 Td (deferred stock awards) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 117.96 572.14 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.50 568.05 Td (461) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 235.50 568.06 Td (668) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 568.06 Td (862) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 554.06 Td (Option expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 204.00 554.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.50 554.06 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 554.06 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 540.06 Td (Other variable incentive) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 531.06 Td (compensation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.50 531.05 Td (773) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 235.50 531.06 Td (803) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 531.06 Td (1,076) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 517.06 Td (Profit sharing plan) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 204.00 517.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.50 517.06 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 517.06 Td (78) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 503.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.00 503.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.75 503.05 Td (2,161) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 219.00 503.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 228.75 503.06 Td (2,360) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.00 503.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 503.06 Td (2,871) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 481.50 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 481.50 Td (Represents expense for immediately vested stock awards that generally ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 471.90 Td (were stock payments in lieu of cash compensation. ) Tj ET Q q 0 0 0 rg BT 218.48 471.90 Td (The expense is ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 462.30 Td (generally accrued as cash incentive compensation in the year prior to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 452.70 Td (grant.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 443.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 443.10 Td (All periods include amortization expense for all unvested awards to non-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 433.50 Td (retirement-eligible employees. ) Tj ET Q q 0 0 0 rg BT 153.30 433.50 Td (Amortization is recognized net of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 423.90 Td (estimated forfeitures of awards.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (Futur) Tj ET Q q 0 0 0 rg BT 346.41 749.10 Td (e Expenses ) Tj ET Q q 0 0 0 rg BT 392.87 749.10 Td (Associated with Outstanding \(Unvested\) ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (A) Tj ET Q q 0 0 0 rg BT 329.56 737.10 Td (war) Tj ET Q q 0 0 0 rg BT 344.75 737.10 Td (ds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (Citi expects to record compensation expense in future periods ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (as a result of awards granted for performance in 2015 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (prior years. Because the awards contain service or other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (conditions that will be satisfied in the future, the expense of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (these already-granted awards is recognized over those future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (period\(s\). Citi's expected future expenses, excluding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (impact of forfeitures, cancellations, clawbacks and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (repositioning-related accelerations that have not yet occurred, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (are summarized in the table below) Tj ET Q q 0 0 0 rg BT 460.80 629.10 Td (. ) Tj ET Q q 0 0 0 rg BT 465.62 629.10 Td (The portion of these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (awards that is subject to variable accounting will cause the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (expense amount to fluctuate with changes in Citigroup) Tj ET Q q 0 0 0 rg BT 545.34 605.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (common stock price.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 556.60 145.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 556.60 28.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 556.60 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 540.50 556.60 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 529.60 89.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 529.60 28.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 529.60 28.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 529.60 28.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 529.60 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 540.50 529.60 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 485.60 89.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 485.60 28.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 485.60 28.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 485.60 28.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 485.60 44.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 540.50 485.60 35.00 -31.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 556.6 m 412.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 556.6 m 440.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 556.6 m 468.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 556.6 m 496.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 556.6 m 540.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 556.6 m 575.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 556.6 m 575.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 516.6 m 412.5 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 516.6 m 440.5 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 516.6 m 468.5 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 516.6 m 496.5 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 516.6 m 540.5 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 516.6 m 575.5 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 485.6 m 412.5 485.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 516.6 m 440.5 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 485.6 m 440.5 485.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 516.6 m 468.5 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 485.6 m 468.5 485.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 516.6 m 496.5 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 485.6 m 496.5 485.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 516.6 m 540.5 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 485.6 m 540.5 485.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 516.6 m 575.5 516.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 485.6 m 575.5 485.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 485.6 m 440.5 485.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 485.6 m 468.5 485.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 485.6 m 496.5 485.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 485.6 m 540.5 485.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 485.6 m 575.5 485.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 454.6 m 412.5 454.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 441.6 m 412.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 454.6 m 440.5 454.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 441.6 m 440.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 454.6 m 468.5 454.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 441.6 m 468.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 454.6 m 496.5 454.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 441.6 m 496.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 454.6 m 540.5 454.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 441.6 m 540.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 454.6 m 575.5 454.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 441.6 m 575.5 441.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 326.00 560.85 Td (Inmillionsofdollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 561.06 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 561.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 561.06 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.35 570.06 Td (2019 and ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.30 561.06 Td (beyond) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 527.79 565.14 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.25 561.05 Td (T) Tj ET Q q 0 0 0 rg BT 549.43 561.05 Td (otal) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 563.92 565.13 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 547.86 Td (Awards granted in 2015 and prior:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 534.06 Td (Deferred stock awards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 534.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.50 534.06 Td (339) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 443.00 534.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 534.06 Td (201) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 534.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.00 534.06 Td (88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 534.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 534.06 Td (12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.00 534.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 534.05 Td (640) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 520.86 Td (Deferred cash awards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.50 520.86 Td (215) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 520.86 Td (121) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.00 520.86 Td (45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 520.86 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 521.00 Td (385) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 507.86 Td (Future expense related) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 498.86 Td (to awards already) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 489.86 Td (granted) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 490.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.50 490.06 Td (554) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 443.00 490.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 490.06 Td (322) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 490.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 490.06 Td (133) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 490.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 490.06 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.00 490.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 490.05 Td (1,025) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 476.86 Td (Future expense related ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 467.86 Td (to awards granted in ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 458.86 Td (2016) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 344.00 462.94 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.50 459.06 Td (297) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 459.06 Td (211) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 459.06 Td (166) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 459.06 Td (113) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 459.05 Td (787) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 446.00 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 445.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.50 445.86 Td (851) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 443.00 445.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 445.86 Td (533) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 445.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 445.86 Td (299) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 445.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 445.86 Td (129) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.00 446.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 446.00 Td (1,812) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 422.90 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 342.00 422.90 Td (Principally 2019.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 413.30 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 413.30 Td ($1.6 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 378.89 413.30 Td ( of which is attributable to) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 463.09 413.30 Td ( ICG) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 478.87 413.30 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 403.70 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 342.00 403.70 Td (Refers to awards granted on or about February 16, 2016, as part of Citi's ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 394.10 Td (discretionary annual incentive awards for services performed in 2015. ) Tj ET Q endstream endobj 325 0 obj <> endobj 326 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (160) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (8. RETIREMENT) Tj ET Q q 0 0 0 rg BT 114.16 742.25 Td ( BENEFITS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (Pension and Postr) Tj ET Q q 0 0 0 rg BT 113.05 718.25 Td (etir) Tj ET Q q 0 0 0 rg BT 127.86 718.25 Td (ement Plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (The Company has several non-contributory defined benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (pension plans covering certain U.S. employees and has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (various defined benefit pension and termination indemnity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (plans covering employees outside the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 658.25 Td (The U.S. qualified defined benefit plan was frozen ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (ef) Tj ET Q q 0 0 0 rg BT 43.59 646.25 Td (fective January 1, 2008 for most employees. ) Tj ET Q q 0 0 0 rg BT 222.71 646.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 272.04 646.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.25 Td (no additional compensation-based contributions have been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.25 Td (credited to the cash balance portion of the plan for existing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 Td (plan participants after 2007. However) Tj ET Q q 0 0 0 rg BT 186.93 610.25 Td (, certain employees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.25 Td (covered under the prior final pay plan formula continue to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.25 Td (accrue benefits. ) Tj ET Q q 0 0 0 rg BT 101.06 586.25 Td (The Company also of) Tj ET Q q 0 0 0 rg BT 187.25 586.25 Td (fers postretirement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.25 Td (health care and life insurance benefits to certain eligible U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.25 Td (retired employees, as well as to certain eligible employees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.25 Td (outside the U.S.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 538.25 Td (The Company also sponsors a number of non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.25 Td (contributory) Tj ET Q q 0 0 0 rg BT 84.78 526.25 Td (, nonqualified pension plans. ) Tj ET Q q 0 0 0 rg BT 202.36 526.25 Td (These plans, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.25 Td (are unfunded, provide supplemental defined pension benefits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (to certain U.S. employees. ) Tj ET Q q 0 0 0 rg BT 424.85 742.10 Td (W) Tj ET Q q 0 0 0 rg BT 433.88 742.10 Td (ith the exception of certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (employees covered under the prior final pay plan formula, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (the benefits under these plans were frozen in prior years.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 706.10 Td (The plan obligations, plan assets and periodic plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (expense for the Company) Tj ET Q q 0 0 0 rg BT 422.25 694.10 Td (s most significant pension and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (postretirement benefit plans \(Significant Plans\) are measured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (and disclosed quarterly) Tj ET Q q 0 0 0 rg BT 409.10 670.10 Td (, instead of annually) Tj ET Q q 0 0 0 rg BT 489.54 670.10 Td (. ) Tj ET Q q 0 0 0 rg BT 494.36 670.10 Td (The Significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (Plans captured approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.35 658.10 Td (90%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.68 658.10 Td ( of the Company) Tj ET Q q 0 0 0 rg BT 526.39 658.10 Td (s global ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (pension and postretirement plan obligations as of December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (31, 2015. ) Tj ET Q q 0 0 0 rg BT 356.45 634.10 Td (All other plans \(All Other Plans\) are measured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (annually with a December 31 measurement date. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (Net \(Benefit\) Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (The following table summarizes the components of net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (\(benefit\) expense recognized in the Consolidated Statement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (of Income for the Company) Tj ET Q q 0 0 0 rg BT 430.86 562.10 Td (s pension and postretirement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (plans, for Significant Plans and ) Tj ET Q q 0 0 0 rg BT 444.21 550.10 Td (All Other Plans, for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (periods indicated.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 446.75 164.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.50 446.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 446.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 446.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 446.75 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 446.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 446.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 446.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 446.75 6.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 446.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 446.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 446.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 446.75 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 446.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 446.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 546.50 446.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 418.75 164.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.50 418.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 418.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 418.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 418.75 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 418.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 418.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 418.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 418.75 6.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 418.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 418.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 418.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 418.75 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 418.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 418.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 546.50 418.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 390.75 164.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.50 390.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 390.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 390.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 390.75 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 390.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 390.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 390.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 390.75 6.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 390.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 390.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 390.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 390.75 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 390.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 390.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 546.50 390.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 362.75 164.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.50 362.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 362.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 362.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 362.75 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 362.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 362.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 362.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 362.75 6.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 362.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 362.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 362.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 362.75 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 362.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 362.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 546.50 362.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 334.75 164.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.50 334.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 334.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 334.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 334.75 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 334.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 334.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 334.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 334.75 6.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 334.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 334.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 334.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 334.75 5.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 334.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 334.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 546.50 334.75 30.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 306.75 164.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.50 306.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 306.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 306.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 306.75 5.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 306.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 306.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 306.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 306.75 6.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 306.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 306.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 306.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 306.75 5.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 306.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 306.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 546.50 306.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 267.75 164.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.50 267.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 267.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 267.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 267.75 5.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 267.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 267.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 267.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 267.75 6.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 267.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 267.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 267.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 267.75 5.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 267.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 267.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 546.50 267.75 30.00 -16.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 489.75 m 230.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 489.75 m 260.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 489.75 m 290.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 489.75 m 295.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 489.75 m 325.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 489.75 m 355.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 489.75 m 385.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 489.75 m 421.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 489.75 m 451.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 489.75 m 481.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 489.75 m 486.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 489.75 m 516.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 489.75 m 546.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 546.5 489.75 m 576.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 474.75 m 230.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 474.75 m 260.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 474.75 m 290.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 474.75 m 325.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 474.75 m 355.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 474.75 m 385.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 474.75 m 421.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 474.75 m 451.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 474.75 m 481.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 474.75 m 516.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 474.75 m 546.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 546.5 474.75 m 576.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 460.75 m 200.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 460.75 m 230.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 460.75 m 260.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 460.75 m 290.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 460.75 m 295.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 460.75 m 325.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 460.75 m 355.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 460.75 m 385.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 460.75 m 391.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 460.75 m 421.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 460.75 m 451.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 460.75 m 481.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 460.75 m 486.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 460.75 m 516.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 460.75 m 546.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 546.5 460.75 m 576.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 320.75 m 200.5 320.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 306.75 m 200.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 320.75 m 230.5 320.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 306.75 m 230.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 320.75 m 260.5 320.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 306.75 m 260.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 320.75 m 290.5 320.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 306.75 m 290.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 320.75 m 295.5 320.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 306.75 m 295.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 320.75 m 325.5 320.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 306.75 m 325.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 320.75 m 355.5 320.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 306.75 m 355.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 320.75 m 385.5 320.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 306.75 m 385.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 320.75 m 391.5 320.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 306.75 m 391.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 320.75 m 421.5 320.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 306.75 m 421.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 320.75 m 451.5 320.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 306.75 m 451.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 320.75 m 481.5 320.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 306.75 m 481.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 320.75 m 486.5 320.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 306.75 m 486.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 320.75 m 516.5 320.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 306.75 m 516.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 320.75 m 546.5 320.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 306.75 m 546.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 546.5 320.75 m 576.5 320.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 546.5 306.75 m 576.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 290.75 m 200.5 290.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 290.75 m 230.5 290.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 290.75 m 260.5 290.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 290.75 m 290.5 290.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 290.75 m 295.5 290.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 290.75 m 325.5 290.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 290.75 m 355.5 290.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 290.75 m 385.5 290.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 290.75 m 391.5 290.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 290.75 m 421.5 290.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 290.75 m 451.5 290.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 290.75 m 481.5 290.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 290.75 m 486.5 290.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 290.75 m 516.5 290.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 290.75 m 546.5 290.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 546.5 290.75 m 576.5 290.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 267.75 m 200.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 267.75 m 230.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 267.75 m 260.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 267.75 m 290.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 267.75 m 295.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 267.75 m 325.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 267.75 m 355.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 267.75 m 385.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 267.75 m 391.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 267.75 m 421.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 267.75 m 451.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 267.75 m 481.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 267.75 m 486.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 267.75 m 516.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 290.75 m 546.5 290.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 267.75 m 546.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 546.5 267.75 m 576.5 267.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 251.75 m 200.5 251.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 251.75 m 230.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 267.75 m 260.5 267.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 251.75 m 260.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 267.75 m 290.5 267.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 251.75 m 290.5 251.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 251.75 m 295.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 267.75 m 325.5 267.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 251.75 m 325.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 267.75 m 355.5 267.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 251.75 m 355.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 267.75 m 385.5 267.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 251.75 m 385.5 251.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 251.75 m 391.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 267.75 m 421.5 267.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 251.75 m 421.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 267.75 m 451.5 267.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 251.75 m 451.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 267.75 m 481.5 267.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 251.75 m 481.5 251.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 251.75 m 486.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 267.75 m 516.5 267.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 251.75 m 516.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 267.75 m 546.5 267.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 251.75 m 546.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 546.5 267.75 m 576.5 267.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 546.5 251.75 m 576.5 251.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 494.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.10 494.20 Td (Pensionplans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.15 494.20 Td (Postretirementbenefitplans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 479.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 225.60 479.20 Td (U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.10 479.20 Td (Non-U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.60 479.20 Td (U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.10 479.20 Td (Non-U.S.plans) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 465.00 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.00 465.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.00 465.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 266.00 465.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.00 465.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 465.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.00 465.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 465.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 465.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 465.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 465.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 465.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 465.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 451.20 Td (Qualified plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.00 451.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.00 451.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 451.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 451.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 451.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 451.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.00 451.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.00 451.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 451.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 451.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 451.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 451.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 437.21 Td (Benefits earned during the year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.00 437.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.50 437.20 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 437.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.50 437.21 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 437.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.50 437.21 Td (8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.00 437.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.50 437.20 Td (168) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 437.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.50 437.21 Td (178) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.00 437.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.50 437.21 Td (210) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 437.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 437.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.00 437.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 437.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 437.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 437.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.00 437.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 437.20 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 437.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 437.21 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 437.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 437.21 Td (43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 423.21 Td (Interest cost on benefit obligation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.50 423.20 Td (553) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 243.50 423.21 Td (541) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 423.21 Td (538) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.50 423.20 Td (317) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.50 423.21 Td (376) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.50 423.21 Td (384) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 423.20 Td (33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 423.21 Td (33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 423.21 Td (33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 423.20 Td (108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.50 423.21 Td (120) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 423.21 Td (146) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 409.21 Td (Expected return on plan assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.50 409.20 Td (\(893) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.00 409.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.50 409.21 Td (\(878) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.00 409.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.50 409.21 Td (\(863) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 409.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.50 409.20 Td (\(323) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 409.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.50 409.21 Td (\(384) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 409.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.50 409.21 Td (\(396) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 409.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.50 409.20 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 409.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.50 409.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.00 409.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.50 409.21 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 409.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.50 409.20 Td (\(105) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 409.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 409.21 Td (\(121) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 409.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 409.21 Td (\(133) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 409.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 395.21 Td (Amortization of unrecognized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.00 395.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.00 395.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 395.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 395.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 395.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 395.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 395.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.00 395.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 395.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 395.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 395.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 395.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 381.21 Td (Prior service \(benefit\) cost) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.50 381.20 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.00 381.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.50 381.21 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.00 381.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 279.50 381.21 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 381.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 381.20 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.50 381.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.50 381.21 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 381.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 381.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.50 381.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 381.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.00 381.20 Td (\(11) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 381.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 381.21 Td (\(12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 381.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 381.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 367.21 Td (Net actuarial loss) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.50 367.20 Td (139) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 243.50 367.21 Td (105) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.50 367.21 Td (104) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.00 367.20 Td (73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 367.21 Td (77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 367.21 Td (95) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 367.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 367.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 367.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 367.20 Td (43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 367.21 Td (39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 367.21 Td (45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 353.21 Td (Curtailment loss \(gain\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 121.99 357.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 218.00 353.20 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.00 353.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.00 353.21 Td (21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.00 353.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 353.21 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.50 353.21 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 353.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 353.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 353.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.50 353.20 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 353.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 353.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 353.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 339.21 Td (Settlement loss \(gain\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 117.49 343.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 218.00 339.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.00 339.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.00 339.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.00 339.20 Td (44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 339.21 Td (53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 339.21 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 339.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 339.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 339.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 339.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 339.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 339.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 339.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 325.21 Td (Special termination benefits) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 139.97 329.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 218.00 325.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.00 325.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.00 325.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.00 325.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.50 325.21 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.50 325.21 Td (8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 325.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 325.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 325.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 325.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 325.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 325.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 311.20 Td (Net qualified plans \(benefit\) expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.00 311.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.50 311.20 Td (\(186) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.00 311.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 311.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.50 311.21 Td (\(229) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.00 311.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 311.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.50 311.21 Td (\(196) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 311.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.00 311.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.50 311.20 Td (281) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 311.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.50 311.21 Td (324) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.00 311.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.50 311.21 Td (322) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 311.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 311.20 Td (30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.00 311.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 311.21 Td (32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 311.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 311.21 Td (30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.00 311.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 311.20 Td (46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 311.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 311.21 Td (41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 311.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 311.21 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 295.20 Td (Nonqualified plans expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 218.00 295.20 Td (43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.00 295.21 Td (45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.00 295.21 Td (46) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.00 295.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 295.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 295.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 295.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 295.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 295.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 295.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 295.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 295.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 281.21 Td (Cumulative ef) Tj ET Q q 0 0 0 rg BT 90.07 281.21 Td (fect of change in accounting ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 272.21 Td (policy) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 61.50 276.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 218.00 272.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.00 272.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 272.21 Td (\(23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 272.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.00 272.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 272.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 272.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 272.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 272.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 272.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 272.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 272.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 272.21 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 256.20 Td (Total net \(benefit\) expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.00 256.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.50 256.20 Td (\(143) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.00 256.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 256.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.50 256.21 Td (\(184) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.00 256.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 256.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.50 256.21 Td (\(173) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 256.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.00 256.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.50 256.20 Td (281) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 256.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.50 256.21 Td (324) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.00 256.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.50 256.21 Td (322) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 256.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.00 256.20 Td (30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.00 256.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 256.21 Td (32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 256.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 256.21 Td (30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.00 256.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 256.20 Td (46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 256.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 256.21 Td (41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 256.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 256.21 Td (103) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 233.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 233.65 Td (Losses \(gains\) due to curtailment, settlement and special termination benefits relate to repositioning and divestiture actions.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 224.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 224.05 Td (Cumulative ef) Tj ET Q q 0 0 0 rg BT 99.40 224.05 Td (fect of adopting quarterly measurement for Significant Plans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.45 Td (The estimated net actuarial loss and prior service cost that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.45 Td (will be amortized from ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 130.41 190.45 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 233.91 190.45 Td (ehensive ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 178.45 Td (income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.60 178.45 Td ( into net expense in 2016 are approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.45 Td ($226 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.39 166.45 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.83 166.45 Td ($1 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.22 166.45 Td (, respectively) Tj ET Q q 0 0 0 rg BT 200.88 166.45 Td (, for defined benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.45 Td (pension plans. For postretirement plans, the estimated 2016 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.45 Td (net actuarial loss and prior service cost \(benefit\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 178.45 Td (amortizations are approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.89 178.45 Td ($35 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.29 178.45 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.72 178.45 Td ($\(1) Tj ET Q q 0 0 0 rg BT 527.68 178.45 Td (1\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 166.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.89 166.45 Td (, respectively) Tj ET Q q 0 0 0 rg BT 398.55 166.45 Td (.) Tj ET Q endstream endobj 327 0 obj <> endobj 328 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (161) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Contributions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 95.71 730.25 Td (s funding practice for U.S. and non-U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (pension and postretirement plans is generally to fund to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (minimum funding requirements in accordance with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (applicable local laws and regulations. ) Tj ET Q q 0 0 0 rg BT 188.54 694.25 Td (The Company may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (increase its contributions above the minimum required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (contribution, if appropriate. In addition, management has the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (ability to change its funding practices. For the U.S. pension ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (plans, there were no required minimum cash contributions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.25 Td (for 2015 or 2014. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 742.10 Td (The following table summarizes the actual Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (contributions for the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.13 730.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.71 730.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.00 718.10 Td (, as well as estimated expected Company contributions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (for 2016. Expected contributions are subject to change since ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (contribution decisions are af) Tj ET Q q 0 0 0 rg BT 430.39 694.10 Td (fected by various factors, such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (as market performance and regulatory requirements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 35.00 610.25 Td (Summary of Company Contributions) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 28.50 557.75 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 557.75 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.50 557.75 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.50 557.75 28.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 557.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 557.75 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 557.75 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 557.75 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 557.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 557.75 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.50 557.75 28.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 557.75 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 557.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 557.75 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 557.75 29.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 539.50 557.75 29.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 585.75 m 239.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 585.75 m 268.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 585.75 m 296.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 585.75 m 300.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 585.75 m 329.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 585.75 m 358.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 585.75 m 387.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 585.75 m 239.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 571.75 m 239.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 585.75 m 268.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 571.75 m 268.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 585.75 m 296.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 571.75 m 296.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 585.75 m 300.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 571.75 m 300.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 585.75 m 329.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 571.75 m 329.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 585.75 m 358.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 571.75 m 358.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 585.75 m 387.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 571.75 m 387.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 585.75 m 391.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 571.75 m 391.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 585.75 m 420.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 571.75 m 420.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 585.75 m 448.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 571.75 m 448.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 585.75 m 477.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 571.75 m 477.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 585.75 m 481.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 571.75 m 481.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 585.75 m 510.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 571.75 m 510.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 585.75 m 539.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 571.75 m 539.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 585.75 m 568.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 571.75 m 568.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 28.5 557.75 m 210.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 557.75 m 239.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 571.75 m 268.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 557.75 m 268.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 571.75 m 296.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 557.75 m 296.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 571.75 m 300.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 557.75 m 300.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 571.75 m 329.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 557.75 m 329.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 571.75 m 358.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 557.75 m 358.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 571.75 m 387.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 557.75 m 387.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 571.75 m 420.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 557.75 m 420.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 557.75 m 448.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 571.75 m 477.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 557.75 m 477.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 557.75 m 481.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 557.75 m 510.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 557.75 m 539.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 571.75 m 568.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 557.75 m 568.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 557.75 m 239.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 557.75 m 268.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 557.75 m 296.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 557.75 m 300.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 557.75 m 329.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 557.75 m 358.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 557.75 m 387.5 557.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 28.5 529.75 m 210.5 529.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 529.75 m 239.5 529.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 529.75 m 268.5 529.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 529.75 m 296.5 529.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 529.75 m 300.5 529.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 529.75 m 329.5 529.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 529.75 m 358.5 529.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 529.75 m 387.5 529.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 529.75 m 391.5 529.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 529.75 m 420.5 529.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 529.75 m 448.5 529.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 529.75 m 477.5 529.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 529.75 m 481.5 529.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 529.75 m 510.5 529.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 529.75 m 539.5 529.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 529.75 m 568.5 529.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.70 590.20 Td (Pension plans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 321.47 594.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.75 590.20 Td (Postr) Tj ET Q q 0 0 0 rg BT 442.08 590.20 Td (etir) Tj ET Q q 0 0 0 rg BT 455.40 590.20 Td (ement benefit plans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 530.40 594.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.20 576.20 Td (U.S. plans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 268.97 580.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.60 576.20 Td (Non-U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.60 576.20 Td (U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.60 576.20 Td (Non-U.S. plans) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 31.00 562.00 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.50 562.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.50 562.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 562.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.50 562.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 334.50 562.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.50 562.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.50 562.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.00 562.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.50 562.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 562.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.50 562.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 562.21 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 31.00 548.20 Td (Contributions made by the Company) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.00 548.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.00 548.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.00 548.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.00 548.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.00 548.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 279.50 548.21 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 548.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 317.00 548.21 Td (78) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.00 548.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.00 548.20 Td (92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.00 548.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.50 548.21 Td (130) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 548.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 548.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 548.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 548.20 Td (174) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 548.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.00 548.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.00 548.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.50 548.21 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 548.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 531.50 548.20 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 548.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.50 548.21 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 31.00 534.20 Td (Benefits paid directly by the Company) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.00 534.21 Td (55) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.00 534.20 Td (52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 534.21 Td (58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 317.00 534.21 Td (59) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.00 534.20 Td (42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.50 534.21 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 534.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 534.20 Td (61) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.00 534.21 Td (56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.50 534.21 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 531.50 534.20 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.50 534.21 Td (6) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 520.65 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 520.65 Td (Amounts reported for 2016 are expected amounts. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 511.05 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 511.05 Td (The U.S. pension plans include benefits paid directly by the Company for the nonqualified pension plans. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 487.05 Td (Funded Status and ) Tj ET Q q 0 0 0 rg BT 118.54 487.05 Td (Accumulated Other) Tj ET Q q 0 0 0 rg BT 203.07 487.05 Td ( Compr) Tj ET Q q 0 0 0 rg BT 235.94 487.05 Td (ehensive Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 475.05 Td (The following tables summarize the funded status and amounts recognized in the Consolidated Balance Sheet for the Company) Tj ET Q q 0 0 0 rg BT 547.81 475.05 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 463.05 Td (pension and postretirement plans.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 439.05 Td (Net ) Tj ET Q q 0 0 0 rg BT 52.94 439.05 Td (Amount Recognized) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 400.55 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 400.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 400.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 400.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 400.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 400.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 400.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 400.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 400.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 400.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 400.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 400.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 372.55 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 372.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 372.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 372.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 372.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 372.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 372.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 372.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 372.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 372.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 372.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 372.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 344.55 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 344.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 344.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 344.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 344.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 344.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 344.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 344.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 344.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 344.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 344.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 344.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 316.55 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 316.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 316.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 316.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 316.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 316.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 316.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 316.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 316.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 316.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 316.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 316.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 288.55 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 288.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 288.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 288.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 288.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 288.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 288.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 288.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 288.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 288.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 288.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 288.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 260.55 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 260.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 260.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 260.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 260.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 260.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 260.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 260.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 260.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 260.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 260.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 260.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 232.55 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 232.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 232.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 232.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 232.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 232.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 232.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 232.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 232.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 232.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 232.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 232.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 204.55 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 204.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 204.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 204.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 204.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 204.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 204.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 204.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 204.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 204.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 204.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 204.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 176.55 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 176.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 176.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 176.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 176.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 176.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 176.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 176.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 176.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 176.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 176.55 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 176.55 40.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 414.54999999999995 m 284.5 414.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 414.54999999999995 m 324.5 414.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 414.54999999999995 m 328.5 414.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 414.54999999999995 m 368.5 414.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 414.54999999999995 m 408.5 414.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 414.54999999999995 m 452.5 414.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 414.54999999999995 m 492.5 414.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 414.54999999999995 m 496.5 414.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 414.54999999999995 m 536.5 414.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 414.54999999999995 m 576.5 414.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 400.54999999999995 m 244.5 400.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 400.54999999999995 m 284.5 400.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 400.54999999999995 m 324.5 400.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 400.54999999999995 m 328.5 400.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 400.54999999999995 m 368.5 400.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 400.54999999999995 m 408.5 400.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 400.54999999999995 m 412.5 400.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 400.54999999999995 m 452.5 400.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 400.54999999999995 m 492.5 400.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 400.54999999999995 m 496.5 400.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 400.54999999999995 m 536.5 400.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 400.54999999999995 m 576.5 400.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 386.54999999999995 m 244.5 386.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 386.54999999999995 m 284.5 386.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 386.54999999999995 m 324.5 386.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 386.54999999999995 m 328.5 386.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 386.54999999999995 m 368.5 386.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 386.54999999999995 m 408.5 386.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 386.54999999999995 m 412.5 386.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 386.54999999999995 m 452.5 386.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 386.54999999999995 m 492.5 386.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 386.54999999999995 m 496.5 386.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 386.54999999999995 m 536.5 386.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 386.54999999999995 m 576.5 386.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 190.54999999999995 m 244.5 190.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 190.54999999999995 m 284.5 190.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 190.54999999999995 m 324.5 190.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 190.54999999999995 m 328.5 190.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 190.54999999999995 m 368.5 190.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 190.54999999999995 m 408.5 190.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 190.54999999999995 m 412.5 190.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 190.54999999999995 m 452.5 190.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 190.54999999999995 m 492.5 190.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 190.54999999999995 m 496.5 190.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 190.54999999999995 m 536.5 190.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 190.54999999999995 m 576.5 190.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 190.54999999999995 m 324.5 190.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 190.54999999999995 m 368.5 190.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 190.54999999999995 m 408.5 190.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 190.54999999999995 m 452.5 190.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 190.54999999999995 m 492.5 190.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 190.54999999999995 m 536.5 190.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 190.54999999999995 m 576.5 190.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 162.54999999999995 m 244.5 162.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 162.54999999999995 m 284.5 162.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 162.54999999999995 m 324.5 162.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 162.54999999999995 m 328.5 162.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 162.54999999999995 m 368.5 162.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 162.54999999999995 m 408.5 162.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 162.54999999999995 m 412.5 162.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 162.54999999999995 m 452.5 162.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 162.54999999999995 m 492.5 162.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 162.54999999999995 m 496.5 162.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 162.54999999999995 m 536.5 162.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 162.54999999999995 m 576.5 162.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 148.54999999999995 m 244.5 148.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 148.54999999999995 m 284.5 148.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 162.54999999999995 m 324.5 162.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 148.54999999999995 m 324.5 148.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 148.54999999999995 m 328.5 148.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 162.54999999999995 m 368.5 162.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 148.54999999999995 m 368.5 148.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 162.54999999999995 m 408.5 162.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 148.54999999999995 m 408.5 148.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 162.54999999999995 m 412.5 162.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 148.54999999999995 m 412.5 148.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 162.54999999999995 m 452.5 162.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 148.54999999999995 m 452.5 148.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 162.54999999999995 m 492.5 162.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 148.54999999999995 m 492.5 148.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 148.54999999999995 m 496.5 148.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 162.54999999999995 m 536.5 162.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 148.54999999999995 m 536.5 148.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 162.54999999999995 m 576.5 162.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 148.54999999999995 m 576.5 148.54999999999995 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 419.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.60 419.00 Td (Pensionplans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 419.00 Td (Postretirement benefitplans) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 404.80 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.60 405.00 Td (U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.10 405.00 Td (Non-U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.60 405.00 Td (U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.10 405.00 Td (Non-U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.00 391.00 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.00 391.01 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 391.00 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 391.01 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 391.00 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.00 391.01 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 391.00 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.00 391.01 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 377.00 Td (Change in projected benefit obligation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.00 377.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 377.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.00 377.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.00 377.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 377.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 377.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.00 377.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 377.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 363.00 Td (Qualified plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 349.01 Td (Projected benefit obligation at beginning of year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 349.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.25 349.00 Td (14,060) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 349.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.85 349.01 Td (12,137) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 349.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.75 349.00 Td (7,252) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 349.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.35 349.01 Td (7,194) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 349.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.15 349.00 Td (917) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 349.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.15 349.01 Td (780) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 349.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 349.00 Td (1,527) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 349.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.35 349.01 Td (1,411) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 335.01 Td (Benefits earned during the year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.50 335.00 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.15 335.01 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.50 335.00 Td (168) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.15 335.01 Td (178) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 335.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 335.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.00 335.00 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.65 335.01 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 321.01 Td (Interest cost on benefit obligation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.50 321.00 Td (553) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.15 321.01 Td (541) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.50 321.00 Td (317) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.15 321.01 Td (376) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 321.00 Td (33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 321.01 Td (33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.50 321.00 Td (108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.15 321.01 Td (120) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 307.01 Td (Plan amendments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 307.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.65 307.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.50 307.00 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.15 307.01 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 307.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 307.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.00 307.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.65 307.01 Td (\(14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.65 307.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 293.01 Td (Actuarial loss \(gain\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 112.48 297.09 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.50 293.00 Td (\(649) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 293.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.35 293.01 Td (2,077) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.00 293.00 Td (\(28) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.00 293.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.15 293.01 Td (790) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.65 293.00 Td (\(55) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.65 293.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.15 293.01 Td (184) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 521.00 293.00 Td (\(88) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.00 293.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.15 293.01 Td (262) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 279.01 Td (Benefits paid, net of participants contributions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.50 279.00 Td (\(751) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 279.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.15 279.01 Td (\(701) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 279.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.50 279.00 Td (\(294) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.00 279.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.15 279.01 Td (\(352) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.65 279.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.65 279.00 Td (\(90) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.65 279.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.65 279.01 Td (\(91) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.65 279.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 521.00 279.00 Td (\(57) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.00 279.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.65 279.01 Td (\(93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.65 279.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 265.01 Td (Expected government subsidy) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 265.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.65 265.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.00 265.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.65 265.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 265.00 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 265.01 Td (11) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.00 265.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.65 265.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 251.01 Td (Divestitures) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 251.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.65 251.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.50 251.00 Td (\(147) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.00 251.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.65 251.01 Td (\(18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.65 251.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 251.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 251.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.00 251.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.15 251.01 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.65 251.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 237.01 Td (Settlement \(gain\) loss) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 117.49 241.09 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 237.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.65 237.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.00 237.00 Td (\(61) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.00 237.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.15 237.01 Td (\(184) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.65 237.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 237.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 237.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 237.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.65 237.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 223.01 Td (Curtailment \(gain\) loss) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 121.99 227.09 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 223.00 Td (14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.65 223.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.50 223.00 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.00 223.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.65 223.01 Td (\(58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.65 223.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 223.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 223.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 223.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.15 223.01 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.65 223.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 209.01 Td (Special termination benefits) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 139.97 213.09 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 209.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.65 209.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.00 209.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.15 209.01 Td (9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 209.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 209.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 209.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.65 209.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 195.01 Td (Foreign exchange impact and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 195.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.65 195.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.50 195.00 Td (\(671) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.00 195.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.15 195.01 Td (\(685) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.65 195.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 195.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 195.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.50 195.00 Td (\(211) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.00 195.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.15 195.01 Td (\(170) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.65 195.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 181.00 Td (Qualified plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 181.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.25 181.00 Td (13,231) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 181.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.85 181.01 Td (14,060) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 181.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.75 181.00 Td (6,534) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 181.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.35 181.01 Td (7,252) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 181.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.15 181.00 Td (817) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 181.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.15 181.01 Td (917) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 181.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 181.00 Td (1,291) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 181.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.35 181.01 Td (1,527) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 167.00 Td (Nonqualified plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.50 167.00 Td (712) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.15 167.01 Td (779) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.00 167.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.65 167.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 167.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 167.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 167.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.65 167.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 153.00 Td (Projected benefit obligation at year end) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 153.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.25 153.00 Td (13,943) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 153.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.85 153.01 Td (14,839) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 153.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.75 153.00 Td (6,534) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 153.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.35 153.01 Td (7,252) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 153.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.15 153.00 Td (817) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 153.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.15 153.01 Td (917) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 153.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.75 153.00 Td (1,291) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 153.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.35 153.01 Td (1,527) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 129.85 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 129.85 Td (2014 amounts for the U.S. plans include impact of the adoption of updated mortality tables \(see Mortality ) Tj ET Q q 0 0 0 rg BT 397.55 129.85 Td (T) Tj ET Q q 0 0 0 rg BT 401.88 129.85 Td (ables below\).) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 120.25 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 120.25 Td (Curtailment, settlement \(gains\)/losses and special termination benefits relate to repositioning and divestiture activities.) 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rg /GS0 gs 328.50 231.50 40.00 -7.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 231.50 40.00 -7.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 231.50 4.00 -7.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 231.50 40.00 -7.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 231.50 40.00 -7.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 231.50 4.00 -7.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 231.50 40.00 -7.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 231.50 40.00 -7.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 210.50 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 210.50 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 210.50 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 210.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 210.50 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 210.50 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 210.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 210.50 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 210.50 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 210.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 210.50 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 210.50 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 182.50 208.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 182.50 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 182.50 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 182.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 182.50 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 182.50 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 182.50 4.00 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496.5 734.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 734.5 m 536.5 734.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 734.5 m 576.5 734.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 720.5 m 244.5 720.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 720.5 m 284.5 720.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 720.5 m 324.5 720.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 720.5 m 368.5 720.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 720.5 m 408.5 720.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 720.5 m 452.5 720.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 720.5 m 492.5 720.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 720.5 m 536.5 720.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 720.5 m 576.5 720.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 706.5 m 244.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 706.5 m 284.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 706.5 m 324.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 706.5 m 328.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 706.5 m 368.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 706.5 m 408.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 706.5 m 412.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 706.5 m 452.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 706.5 m 492.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 706.5 m 496.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 706.5 m 536.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 706.5 m 576.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 566.5 m 244.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 566.5 m 284.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 566.5 m 324.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 566.5 m 328.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 566.5 m 368.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 566.5 m 408.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 566.5 m 412.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 566.5 m 452.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 566.5 m 492.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 566.5 m 496.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 566.5 m 536.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 566.5 m 576.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 566.5 m 576.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 538.5 m 244.5 538.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 538.5 m 284.5 538.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 538.5 m 324.5 538.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 538.5 m 328.5 538.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 538.5 m 368.5 538.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 538.5 m 408.5 538.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 538.5 m 412.5 538.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 538.5 m 452.5 538.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 538.5 m 492.5 538.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 538.5 m 496.5 538.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 538.5 m 536.5 538.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 538.5 m 576.5 538.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 524.5 m 244.5 524.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 538.5 m 284.5 538.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 524.5 m 284.5 524.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 538.5 m 324.5 538.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 524.5 m 324.5 524.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 524.5 m 328.5 524.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 538.5 m 368.5 538.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 524.5 m 368.5 524.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 538.5 m 408.5 538.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 524.5 m 408.5 524.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 524.5 m 412.5 524.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 538.5 m 452.5 538.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 524.5 m 452.5 524.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 538.5 m 492.5 538.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 524.5 m 492.5 524.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 524.5 m 496.5 524.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 538.5 m 536.5 538.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 524.5 m 536.5 524.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 538.5 m 576.5 538.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 524.5 m 576.5 524.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 476.5 m 244.5 476.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 476.5 m 284.5 476.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 476.5 m 324.5 476.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 476.5 m 328.5 476.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 476.5 m 368.5 476.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 476.5 m 408.5 476.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 476.5 m 412.5 476.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 476.5 m 452.5 476.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 476.5 m 492.5 476.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 476.5 m 496.5 476.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 476.5 m 536.5 476.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 476.5 m 576.5 476.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 462.5 m 244.5 462.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 462.5 m 284.5 462.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 462.5 m 324.5 462.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 462.5 m 328.5 462.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 462.5 m 368.5 462.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 462.5 m 408.5 462.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 462.5 m 412.5 462.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 462.5 m 452.5 462.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 462.5 m 492.5 462.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 462.5 m 496.5 462.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 462.5 m 536.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 476.5 m 576.5 476.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 462.5 m 576.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 400.5 m 244.5 400.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 400.5 m 284.5 400.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 400.5 m 324.5 400.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 400.5 m 328.5 400.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 400.5 m 368.5 400.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 400.5 m 408.5 400.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 400.5 m 412.5 400.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 400.5 m 452.5 400.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 400.5 m 492.5 400.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 400.5 m 496.5 400.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 400.5 m 536.5 400.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 400.5 m 576.5 400.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 400.5 m 576.5 400.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 372.5 m 244.5 372.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 372.5 m 284.5 372.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 372.5 m 324.5 372.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 372.5 m 328.5 372.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 372.5 m 368.5 372.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 372.5 m 408.5 372.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 372.5 m 412.5 372.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 372.5 m 452.5 372.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 372.5 m 492.5 372.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 372.5 m 496.5 372.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 372.5 m 536.5 372.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 372.5 m 576.5 372.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 358.5 m 244.5 358.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 358.5 m 284.5 358.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 372.5 m 324.5 372.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 358.5 m 324.5 358.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 358.5 m 328.5 358.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 372.5 m 368.5 372.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 358.5 m 368.5 358.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 372.5 m 408.5 372.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 358.5 m 408.5 358.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 358.5 m 412.5 358.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 372.5 m 452.5 372.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 358.5 m 452.5 358.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 372.5 m 492.5 372.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 358.5 m 492.5 358.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 358.5 m 496.5 358.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 372.5 m 536.5 372.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 358.5 m 536.5 358.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 372.5 m 576.5 372.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 358.5 m 576.5 358.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 273.5 m 244.5 273.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 273.5 m 284.5 273.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 273.5 m 324.5 273.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 273.5 m 328.5 273.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 273.5 m 368.5 273.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 273.5 m 408.5 273.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 273.5 m 412.5 273.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 273.5 m 452.5 273.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 273.5 m 492.5 273.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 273.5 m 496.5 273.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 273.5 m 536.5 273.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 273.5 m 576.5 273.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 273.5 m 576.5 273.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 245.5 m 244.5 245.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 245.5 m 284.5 245.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 245.5 m 324.5 245.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 245.5 m 328.5 245.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 245.5 m 368.5 245.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 245.5 m 408.5 245.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 245.5 m 412.5 245.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 245.5 m 452.5 245.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 245.5 m 492.5 245.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 245.5 m 496.5 245.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 245.5 m 536.5 245.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 245.5 m 576.5 245.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 231.5 m 244.5 231.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 231.5 m 284.5 231.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 245.5 m 324.5 245.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 231.5 m 324.5 231.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 231.5 m 328.5 231.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 245.5 m 368.5 245.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 231.5 m 368.5 231.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 245.5 m 408.5 245.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 231.5 m 408.5 231.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 231.5 m 412.5 231.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 245.5 m 452.5 245.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 231.5 m 452.5 231.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 245.5 m 492.5 245.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 231.5 m 492.5 231.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 231.5 m 496.5 231.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 245.5 m 536.5 245.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 231.5 m 536.5 231.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 245.5 m 576.5 245.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 231.5 m 576.5 231.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 182.5 m 244.5 182.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 168.5 m 244.5 168.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 182.5 m 284.5 182.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 168.5 m 284.5 168.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 182.5 m 324.5 182.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 168.5 m 324.5 168.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 182.5 m 328.5 182.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 168.5 m 328.5 168.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 182.5 m 368.5 182.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 168.5 m 368.5 168.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 182.5 m 408.5 182.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 168.5 m 408.5 168.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 182.5 m 412.5 182.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 168.5 m 412.5 168.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 182.5 m 452.5 182.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 168.5 m 452.5 168.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 182.5 m 492.5 182.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 168.5 m 492.5 168.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 182.5 m 496.5 182.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 168.5 m 496.5 168.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 182.5 m 536.5 182.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 168.5 m 536.5 168.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 182.5 m 576.5 182.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 168.5 m 576.5 168.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 738.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.60 738.95 Td (Pensionplans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 738.95 Td (Postretirement benefitplans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.60 724.95 Td (U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.10 724.95 Td (Non-U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.60 724.95 Td (U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.10 724.95 Td (Non-U.S.plans) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 710.75 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.00 710.95 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.00 710.96 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 710.95 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 710.96 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 710.95 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.00 710.96 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 710.95 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.00 710.96 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 696.95 Td (Change in plan assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.00 696.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 696.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.00 696.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.00 696.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 696.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 696.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.00 696.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 696.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 682.95 Td (Qualified plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 668.96 Td (Plan assets at fair value at beginning of year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 668.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.85 668.95 Td (13,071) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 668.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.85 668.96 Td (12,731) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 668.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.35 668.95 Td (7,057) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 668.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.35 668.96 Td (6,918) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 668.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 668.95 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 668.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 668.96 Td (32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 668.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.35 668.95 Td (1,384) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 668.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.35 668.96 Td (1,472) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 654.96 Td (Actual return on plan assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.15 654.95 Td (\(183) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.65 654.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.15 654.96 Td (941) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.65 654.95 Td (56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.35 654.96 Td (1,108) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.15 654.95 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.65 654.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.15 654.96 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 525.15 654.95 Td (\(5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 532.65 654.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.15 654.96 Td (166) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 640.96 Td (Company contributions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.65 640.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.15 640.96 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.15 640.95 Td (134) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.15 640.96 Td (230) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.15 640.95 Td (235) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 640.96 Td (56) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 528.15 640.95 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.65 640.96 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 626.96 Td (Plan participants contributions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.65 626.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.65 626.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.15 626.95 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.15 626.96 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 626.95 Td (49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 626.96 Td (51) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.65 626.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.65 626.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 612.96 Td (Divestitures) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.65 612.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.65 612.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.15 612.95 Td (\(131) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.65 612.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.65 612.96 Td (\(11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.65 612.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 612.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 612.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.65 612.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.65 612.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 598.96 Td (Settlements) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.65 598.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.65 598.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.65 598.95 Td (\(61) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.65 598.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.15 598.96 Td (\(184) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.65 598.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 598.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 598.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.65 598.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.65 598.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 584.96 Td (Benefits paid, net of government subsidy) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.15 584.95 Td (\(751) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.65 584.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.15 584.96 Td (\(701) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 584.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.15 584.95 Td (\(299) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.65 584.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.15 584.96 Td (\(357) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.65 584.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.15 584.95 Td (\(127) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.65 584.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.15 584.96 Td (\(131) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.65 584.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.65 584.95 Td (\(57) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 532.65 584.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.65 584.96 Td (\(93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.65 584.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 570.96 Td (Foreign exchange impact and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.65 570.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.65 570.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.15 570.95 Td (\(657) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.65 570.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.15 570.96 Td (\(652) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.65 570.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 570.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 570.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.15 570.95 Td (\(198) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 532.65 570.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.15 570.96 Td (\(173) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.65 570.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 556.95 Td (Qualified plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 556.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.85 556.95 Td (12,137) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 556.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.85 556.96 Td (13,071) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 556.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.35 556.95 Td (6,104) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 556.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.35 556.96 Td (7,057) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 556.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.15 556.95 Td (166) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 556.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 556.96 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 556.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.35 556.95 Td (1,133) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 556.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.35 556.96 Td (1,384) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 542.95 Td (Nonqualified plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.65 542.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.65 542.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.65 542.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.65 542.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 542.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 542.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.65 542.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.65 542.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 528.95 Td (Plan assets at fair value at year end) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 528.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.85 528.95 Td (12,137) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 528.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.85 528.96 Td (13,071) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 528.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.35 528.95 Td (6,104) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 528.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.35 528.96 Td (7,057) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 528.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.15 528.95 Td (166) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 528.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 528.96 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 528.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.35 528.95 Td (1,133) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 528.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.35 528.96 Td (1,384) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 508.95 Td (Funded status of the plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 494.95 Td (Qualified plans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 97.77 499.03 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 494.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.40 494.95 Td (\(1,094) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.65 494.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 494.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.15 494.96 Td (\(989) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 494.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 494.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.15 494.95 Td (\(430) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.65 494.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 494.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.15 494.96 Td (\(195) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.65 494.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 494.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.15 494.95 Td (\(651) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.65 494.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 494.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.15 494.96 Td (\(907) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.65 494.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 494.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.15 494.95 Td (\(158) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 532.65 494.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 494.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.15 494.96 Td (\(143) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.65 494.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 480.95 Td (Nonqualified plans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 111.78 485.03 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.15 480.95 Td (\(712) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.65 480.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.15 480.96 Td (\(779) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 480.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.65 480.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.65 480.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 480.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 480.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.65 480.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.65 480.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 466.95 Td (Funded status of the plans at year end) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 466.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.40 466.95 Td (\(1,806) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.65 466.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 466.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.40 466.96 Td (\(1,768) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 466.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 466.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.15 466.95 Td (\(430) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.65 466.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 466.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.15 466.96 Td (\(195) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.65 466.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 466.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.15 466.95 Td (\(651) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.65 466.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 466.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.15 466.96 Td (\(907) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.65 466.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 466.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.15 466.95 Td (\(158) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 532.65 466.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 466.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.15 466.96 Td (\(143) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.65 466.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 446.95 Td (Net amount recognized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 446.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 446.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.00 446.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.00 446.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 446.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 446.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.00 446.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 446.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 432.95 Td (Qualified plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 418.96 Td (Benefit asset) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 418.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.65 418.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 418.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.65 418.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 418.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.15 418.95 Td (726) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 418.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.15 418.96 Td (921) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 418.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 418.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 418.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 418.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 418.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.15 418.95 Td (115) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 418.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.15 418.96 Td (196) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 404.96 Td (Benefit liability) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.40 404.95 Td (\(1,094) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.65 404.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.15 404.96 Td (\(989) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 404.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.40 404.95 Td (\(1,156) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.65 404.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.40 404.96 Td (\(1,116) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.65 404.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.15 404.95 Td (\(651) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.65 404.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.15 404.96 Td (\(907) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.65 404.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.15 404.95 Td (\(273) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 532.65 404.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.15 404.96 Td (\(339) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.65 404.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 390.95 Td (Qualified plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 390.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.40 390.95 Td (\(1,094) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.65 390.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 390.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.15 390.96 Td (\(989) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 390.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 390.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.15 390.95 Td (\(430) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.65 390.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 390.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.15 390.96 Td (\(195) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.65 390.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 390.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.15 390.95 Td (\(651) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.65 390.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 390.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.15 390.96 Td (\(907) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.65 390.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 390.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.15 390.95 Td (\(158) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 532.65 390.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 390.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.15 390.96 Td (\(143) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.65 390.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 376.95 Td (Nonqualified plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.15 376.95 Td (\(712) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.65 376.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.15 376.96 Td (\(779) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 376.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.65 376.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.65 376.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 376.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 376.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.65 376.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.65 376.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 362.95 Td (Net amount recognized on the balance sheet) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 362.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.40 362.95 Td (\(1,806) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.65 362.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 362.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.40 362.96 Td (\(1,768) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 362.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 362.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.15 362.95 Td (\(430) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.65 362.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 362.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.15 362.96 Td (\(195) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.65 362.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 362.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.15 362.95 Td (\(651) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.65 362.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 362.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.15 362.96 Td (\(907) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.65 362.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 362.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.15 362.95 Td (\(158) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 532.65 362.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 362.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.15 362.96 Td (\(143) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.65 362.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 342.95 Td (Amounts r) Tj ET Q q 0 0 0 rg BT 80.09 342.95 Td (ecognized in ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 129.58 342.95 Td (Accumulated other ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 43.50 333.95 Td (comprehensive income \(loss\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 333.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.00 333.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.00 333.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 333.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 333.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.00 333.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 333.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 319.95 Td (Qualified plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 305.96 Td (Net transition obligation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 305.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.65 305.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 305.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.65 305.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 305.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.15 305.95 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.65 305.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 305.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.15 305.96 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.65 305.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 305.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 305.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 305.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 305.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 305.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.65 305.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 305.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.65 305.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 291.96 Td (Prior service benefit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.65 291.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.15 291.96 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.15 291.95 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.65 291.96 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 291.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 291.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.15 291.95 Td (125) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.15 291.96 Td (157) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 277.96 Td (Net actuarial gain \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.40 277.95 Td (\(6,107) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.65 277.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.40 277.96 Td (\(5,819) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 277.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.40 277.95 Td (\(1,613) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.65 277.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.40 277.96 Td (\(1,690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.65 277.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.15 277.95 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.65 277.96 Td (\(56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.65 277.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.15 277.95 Td (\(547) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 532.65 277.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.15 277.96 Td (\(658) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.65 277.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 263.95 Td (Qualified plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 263.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.40 263.95 Td (\(6,107) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.65 263.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 263.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.40 263.96 Td (\(5,816) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 263.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 263.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.40 263.95 Td (\(1,609) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.65 263.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 263.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.40 263.96 Td (\(1,678) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.65 263.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 263.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.15 263.95 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 263.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.65 263.96 Td (\(56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.65 263.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 263.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.15 263.95 Td (\(422) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 532.65 263.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 263.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.15 263.96 Td (\(501) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.65 263.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 249.95 Td (Nonqualified plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.15 249.95 Td (\(266) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.65 249.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.15 249.96 Td (\(325) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 249.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.65 249.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.65 249.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 249.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 249.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.65 249.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.65 249.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 235.95 Td (Net amount recognized in equity \(pretax\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 235.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.40 235.95 Td (\(6,373) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.65 235.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 235.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.40 235.96 Td (\(6,141) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.65 235.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 235.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.40 235.95 Td (\(1,609) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.65 235.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 235.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.40 235.96 Td (\(1,678) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.65 235.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 235.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.15 235.95 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 235.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.65 235.96 Td (\(56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.65 235.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 235.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.15 235.95 Td (\(422) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 532.65 235.95 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 235.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.15 235.96 Td (\(501) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.65 235.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 214.95 Td (Accumulated benefit obligation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 200.95 Td (Qualified plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 200.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.85 200.95 Td (13,226) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 200.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.85 200.96 Td (14,050) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 200.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.35 200.95 Td (6,049) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 200.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.35 200.96 Td (6,699) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 200.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.15 200.95 Td (817) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 200.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.15 200.96 Td (917) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 200.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.35 200.95 Td (1,291) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 200.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.35 200.96 Td (1,527) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 186.95 Td (Nonqualified plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.15 186.95 Td (706) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.15 186.96 Td (771) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.65 186.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.65 186.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.65 186.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.65 186.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.65 186.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.65 186.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 172.95 Td (Accumulated benefit obligation at year end) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.00 172.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.85 172.95 Td (13,932) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 172.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.85 172.96 Td (14,821) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 172.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.35 172.95 Td (6,049) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 172.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.35 172.96 Td (6,699) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 172.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.15 172.95 Td (817) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 172.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.15 172.96 Td (917) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 172.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.35 172.95 Td (1,291) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.00 172.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.35 172.96 Td (1,527) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 151.40 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 151.40 Td (The nonqualified plans of the Company are unfunded.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 141.80 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 141.80 Td (The U.S. qualified pension plan is fully funded under specified Employee Retirement Income Security ) Tj ET Q q 0 0 0 rg BT 383.69 141.80 Td (Act \(ERISA\) funding rulesas of January1, 2016 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 132.20 Td (no minimum required funding is expected for 2016.) Tj ET Q endstream endobj 331 0 obj <> endobj 332 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (163) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 742.10 Td (The following table shows the change in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 218.68 742.10 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 322.17 742.10 Td (ehensive income \(loss\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.20 742.10 Td (related to Company) Tj ET Q q 0 0 0 rg BT 496.84 742.10 Td (s pension and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (postretirement benefit plans \(for Significant Plans and ) Tj ET Q q 0 0 0 rg BT 254.56 730.10 Td (All Other Plans\) for the years indicated.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 692.60 336.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 692.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 692.60 10.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 692.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 692.60 11.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 692.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 666.60 336.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 666.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 666.60 10.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 666.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 666.60 11.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 666.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 638.60 336.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 638.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 638.60 10.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 638.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 638.60 11.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 638.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 610.60 336.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 610.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 610.60 10.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 610.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 610.60 11.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 610.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 581.60 336.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 581.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 581.60 10.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 581.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 581.60 11.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 581.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 553.60 336.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 553.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 553.60 10.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 553.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 553.60 11.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 553.60 55.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 696.6 m 372.5 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 696.6 m 427.5 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 696.6 m 437.5 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 696.6 m 492.5 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 696.6 m 503.5 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 696.6 m 558.5 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 696.6 m 427.5 696.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 567.6 m 437.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 567.6 m 492.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 567.6 m 372.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 567.6 m 427.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 567.6 m 437.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 553.6 m 437.5 553.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 567.6 m 492.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 553.6 m 492.5 553.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 567.6 m 503.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 567.6 m 558.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 553.6 m 372.5 553.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 539.6 m 372.5 539.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 553.6 m 427.5 553.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 539.6 m 427.5 539.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 553.6 m 437.5 553.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 539.6 m 437.5 539.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 553.6 m 492.5 553.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 539.6 m 492.5 539.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 553.6 m 503.5 553.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 539.6 m 503.5 539.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 553.6 m 558.5 553.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 539.6 m 558.5 539.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 700.85 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.50 701.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.50 701.06 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.50 701.06 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 683.05 Td (Beginning of year) Tj ET Q q 0 0 0 rg BT 106.84 683.05 Td ( balance, net of tax) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 179.08 687.13 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.00 683.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.75 683.05 Td (\(5,159) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 683.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 683.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 683.06 Td (\(3,989) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 683.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 683.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.75 683.06 Td (\(5,270) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 683.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 669.86 Td (Cumulative ef) Tj ET Q q 0 0 0 rg BT 90.07 669.86 Td (fect of change in accounting policy) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 216.77 673.94 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 670.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 669.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 669.86 Td (\(22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 669.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 657.06 Td (Actuarial assumptions changes and plan experience) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 224.68 661.14 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.50 657.05 Td (898) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 657.06 Td (\(3,404) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 657.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.75 657.06 Td (2,380) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 643.06 Td (Net asset gain \(loss\) due to difference between actual and expected returns) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.75 643.05 Td (\(1,457) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 643.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 643.06 Td (833) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.75 643.06 Td (\(1,084) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 643.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 629.06 Td (Net amortizations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.50 629.05 Td (236) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 629.06 Td (202) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 629.06 Td (271) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 615.06 Td (Prior service \(cost\) credit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.50 615.05 Td (\(6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 615.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 615.06 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 615.06 Td (360) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 600.06 Td (Curtailment/settlement gain) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 139.23 604.14 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 600.05 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 600.06 Td (67) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.00 600.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 586.06 Td (Foreign exchange impact and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.50 586.05 Td (291) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 586.06 Td (459) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.00 586.06 Td (74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 572.06 Td (Change in deferred taxes, net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 572.05 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 572.06 Td (660) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 572.06 Td (\(698) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 572.06 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 558.05 Td (Change, net of tax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.00 558.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.00 558.05 Td (43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 558.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 558.06 Td (\(1,170) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 558.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 558.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.75 558.06 Td (1,281) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 544.05 Td (End of year) Tj ET Q q 0 0 0 rg BT 83.84 544.05 Td ( balance, net of tax) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 156.08 548.13 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.00 544.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.75 544.05 Td (\(5,116) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.00 544.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 544.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 544.06 Td (\(5,159) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 544.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 544.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.75 544.06 Td (\(3,989) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 544.06 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 521.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 521.50 Td (See Note 20 to the Consolidated Financial Statements for further discussion of net ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 319.06 521.50 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 401.85 521.50 Td (ehensive income \(loss\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 474.27 521.50 Td ( balance.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 511.90 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 511.90 Td (Includes net-of-tax amounts for certain profit sharing plans outside the U.S.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 502.30 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 502.30 Td (Represents the cumulative ef) Tj ET Q q 0 0 0 rg BT 146.49 502.30 Td (fect of the change in accounting policy due to adoption of quarterly measurement for Significant Plans.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 492.70 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 492.70 Td (Includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.10 492.70 Td ($46 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 120.21 492.70 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 124.21 492.70 Td ($\(1) Tj ET Q q 0 0 0 rg BT 134.58 492.70 Td (1) Tj ET Q q 0 0 0 rg BT 138.29 492.70 Td (1\) million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 170.06 492.70 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 185.61 492.70 Td ($58 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 222.73 492.70 Td ( of actuarial gains \(losses\) related to the U.S. nonqualified pension plans for 2015, 2014 and 2013, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 483.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 92.13 483.10 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 473.50 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 473.50 Td (Curtailment and settlement gains relate to repositioning and divestiture activities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 451.90 Td (At December 31, 2015 and 2014, the aggregate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 439.90 Td (projected benefit obligation \(PBO\), the aggregate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 427.90 Td (accumulated benefit obligation \(ABO\), and the aggregate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 415.90 Td (fair value of plan assets are presented for all defined benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 403.90 Td (pension plans with a PBO in excess of plan assets and for all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 391.90 Td (defined benefit pension plans with an ) Tj ET Q q 0 0 0 rg BT 187.63 391.90 Td (ABO in excess of plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 379.90 Td (assets as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 324.40 140.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 176.50 324.40 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 223.50 324.40 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 324.40 8.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 324.40 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 324.40 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 324.40 8.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 324.40 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 324.40 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 324.40 8.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 324.40 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 324.40 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 294.40 140.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 176.50 294.40 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 223.50 294.40 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 294.40 8.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 294.40 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 294.40 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 294.40 8.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 294.40 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 294.40 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 294.40 8.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 294.40 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 294.40 47.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 354.4 m 223.5 354.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 354.4 m 270.5 354.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 354.4 m 278.5 354.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 354.4 m 325.5 354.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 354.4 m 372.5 354.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 354.4 m 427.5 354.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 354.4 m 474.5 354.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 354.4 m 482.5 354.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 354.4 m 529.5 354.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 354.4 m 576.5 354.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 339.4 m 223.5 339.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 339.4 m 270.5 339.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 339.4 m 325.5 339.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 339.4 m 372.5 339.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 339.4 m 380.5 339.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 339.4 m 427.5 339.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 339.4 m 474.5 339.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 339.4 m 529.5 339.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 339.4 m 576.5 339.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 324.4 m 176.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 339.4 m 223.5 339.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 324.4 m 223.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 339.4 m 270.5 339.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 324.4 m 270.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 324.4 m 278.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 324.4 m 325.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 324.4 m 372.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 324.4 m 380.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 324.4 m 427.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 324.4 m 474.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 324.4 m 482.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 324.4 m 529.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 324.4 m 576.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 324.4 m 270.5 324.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 279.4 m 176.5 279.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 279.4 m 223.5 279.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 279.4 m 270.5 279.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 279.4 m 278.5 279.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 279.4 m 325.5 279.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 279.4 m 372.5 279.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 279.4 m 380.5 279.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 279.4 m 427.5 279.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 279.4 m 474.5 279.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 279.4 m 482.5 279.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 279.4 m 529.5 279.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 279.4 m 576.5 279.4 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 358.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.05 358.85 Td (PBOexceedsfairvalueofplanassets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.55 358.85 Td (ABOexceedsfairvalue ofplanassets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 343.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 200.20 343.85 Td (U.S.plans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 238.97 347.93 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.10 343.85 Td (Non-U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.20 343.85 Td (U.S.plans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 442.97 347.93 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.10 343.85 Td (Non-U.S.plans) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 328.65 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.50 328.85 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.50 328.86 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.50 328.85 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.50 328.86 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.50 328.85 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 328.86 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.50 328.85 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.50 328.86 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 313.86 Td (Projected benefit obligation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 179.00 313.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.25 313.85 Td (13,943) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 226.00 313.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.25 313.86 Td (14,839) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.00 313.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 313.85 Td (3,918) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 313.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.75 313.86 Td (2,756) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 313.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.25 313.85 Td (13,943) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 313.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 313.86 Td (14,839) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 313.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.75 313.85 Td (2,369) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.00 313.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 313.86 Td (2,570) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 298.86 Td (Accumulated benefit obligation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.25 298.85 Td (13,932) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.25 298.86 Td (14,821) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 298.85 Td (3,488) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.75 298.86 Td (2,353) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.25 298.85 Td (13,932) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 298.86 Td (14,821) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.75 298.85 Td (2,047) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 298.86 Td (2,233) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 283.86 Td (Fair value of plan assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.25 283.85 Td (12,137) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.25 283.86 Td (13,071) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.75 283.85 Td (2,762) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.75 283.86 Td (1,640) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.25 283.85 Td (12,137) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 283.86 Td (13,071) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.75 283.85 Td (1,243) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 283.86 Td (1,495) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 262.30 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 262.30 Td (At December 31, 2015 and 2014, for both the U.S. qualified plan and nonqualified plans, the aggregate PBO and the aggregate ) Tj ET Q q 0 0 0 rg BT 461.45 262.30 Td (ABO exceeded plan assets. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 231.10 Td (At December31, 2015 and 2014, combined ) Tj ET Q q 0 0 0 rg BT 230.90 231.10 Td (ABO for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 219.10 Td (U.S. and non-U.S. qualified pension plans, were more than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 207.10 Td (plan assets by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.05 207.10 Td ($1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.66 207.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.10 207.10 Td ($0.6 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.21 207.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 250.87 207.10 Td (. ) Tj ET Q endstream endobj 333 0 obj <> endobj 334 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (164) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Plan ) Tj ET Q q 0 0 0 rg BT 57.40 742.25 Td (Assumptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (The Company utilizes a number of assumptions to determine ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (plan obligations and expenses. Changes in one or a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (combination of these assumptions will have an impact on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (Company) Tj ET Q q 0 0 0 rg BT 77.67 694.25 Td (s pension and postretirement PBO, funded status ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (and \(benefit\) expense. Changes in the plans) Tj ET Q q 0 0 0 rg BT 212.70 682.25 Td ( funded status ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (resulting from changes in the PBO and fair value of plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (assets will have a corresponding impact on ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 210.12 658.25 Td (Accumulated ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (other compr) Tj ET Q q 0 0 0 rg BT 84.79 646.25 Td (ehensive income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.31 646.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 634.25 Td (The actuarial assumptions at the respective years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.25 Td (December 31 in the table below are used to measure the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 Td (year) Tj ET Q q 0 0 0 rg BT 53.01 610.25 Td (-end PBO and the net periodic \(benefit\) expense for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.25 Td (subsequent year \(period\). Since Citi) Tj ET Q q 0 0 0 rg BT 184.85 598.25 Td (s Significant Plans are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.25 Td (measured on a quarterly basis, the year) Tj ET Q q 0 0 0 rg BT 191.57 586.25 Td (-end rates for those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.25 Td (plans are used to calculate the net periodic \(benefit\) expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.25 Td (for the subsequent year) Tj ET Q q 0 0 0 rg BT 129.39 562.25 Td () Tj ET Q q 0 0 0 rg BT 132.17 562.25 Td (s first quarter) Tj ET Q q 0 0 0 rg BT 184.94 562.25 Td (. ) Tj ET Q q 0 0 0 rg BT 191.88 562.25 Td (As a result of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.25 Td (quarterly measurement process, the net periodic \(benefit\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.25 Td (expense for the Significant Plans is calculated at each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.25 Td (respective quarter end based on the preceding quarter) Tj ET Q q 0 0 0 rg BT 249.31 526.25 Td (-end ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.25 Td (rates \(as shown below for the U.S. pension and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.25 Td (postretirement plans\). ) Tj ET Q q 0 0 0 rg BT 125.52 502.25 Td (The actual assumptions for the non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.25 Td (U.S. pension and postretirement plans relate to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.25 Td (Significant Plans that are measured quarterly and ) Tj ET Q q 0 0 0 rg BT 234.55 478.25 Td (All Other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.25 Td (Plans that are measured annually) Tj ET Q q 0 0 0 rg BT 166.97 466.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 454.25 Td (Certain assumptions used in determining pension and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.25 Td (postretirement benefit obligations and net benefit expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.25 Td (for the Company) Tj ET Q q 0 0 0 rg BT 106.54 430.25 Td (s plans are shown in the following table:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 405.75 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 405.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 405.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 377.75 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 377.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 377.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 349.75 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 349.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 349.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 321.75 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 321.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 321.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 293.75 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 293.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 293.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 265.75 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 265.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 265.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 237.75 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 237.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 237.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 209.75 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 209.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 209.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 181.75 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 181.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 181.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 153.75 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 153.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 153.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 125.75 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 125.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 125.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 97.75 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 97.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 97.75 55.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 405.75 m 178.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 405.75 m 233.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 405.75 m 288.5 405.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 69.75 m 178.5 69.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 69.75 m 233.5 69.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 69.75 m 288.5 69.75 l s BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 410.20 Td (Atyearend) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 196.50 410.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.50 410.21 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 396.20 Td (Discount rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 396.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 396.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 382.21 Td (U.S. plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 382.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 382.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 368.21 Td (Qualified pension) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 193.10 368.20 Td (4.40%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.85 368.21 Td (4.00%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 354.21 Td (Nonqualified pension) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.60 354.20 Td (4.35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.60 354.21 Td (3.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 340.21 Td (Postretirement) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.60 340.20 Td (4.20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.60 340.21 Td (3.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 326.21 Td (Non-U.S. pension plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 312.21 Td (Range) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.50 312.20 Td (0.25 to 42.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.70 312.21 Td (1.00 to 32.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 298.21 Td (Weighted average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.60 298.20 Td (4.76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.60 298.21 Td (4.74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 284.21 Td (Non-U.S. postretirement plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 270.21 Td (Range) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.50 270.20 Td (2.00 to 13.20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.70 270.21 Td (2.25 to 12.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 256.21 Td (Weighted average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.60 256.20 Td (7.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.60 256.21 Td (7.50) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 242.20 Td (Future compensation increase rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 228.21 Td (U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.95 228.20 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.95 228.21 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 214.21 Td (Non-U.S. pension plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 200.21 Td (Range) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.50 200.20 Td (1.00 to 40.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.70 200.21 Td (1.00 to 30.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 186.21 Td (Weighted average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.60 186.20 Td (3.24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.60 186.21 Td (3.27) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 172.20 Td (Expected return on assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 158.21 Td (U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.60 158.20 Td (7.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.60 158.21 Td (7.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 144.21 Td (Non-U.S. pension plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 130.21 Td (Range) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.70 130.20 Td (1.60 to 1) Tj ET Q q 0 0 0 rg BT 213.45 130.20 Td (1.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.90 130.21 Td (1.30 to 1) Tj ET Q q 0 0 0 rg BT 268.32 130.21 Td (1.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 116.21 Td (Weighted average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.60 116.20 Td (4.95) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.60 116.21 Td (5.08) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 102.21 Td (Non-U.S. postretirement plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 88.21 Td (Range) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.50 88.20 Td (8.00 to 10.70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.70 88.21 Td (8.50 to 10.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 74.21 Td (Weighted average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.60 74.20 Td (8.01) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.60 74.21 Td (8.51) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.00 743.50 Td ( ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 719.00 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 719.00 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 719.00 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 719.00 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 691.00 69.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 691.00 63.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 691.00 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 691.00 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 645.00 69.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 645.00 63.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 645.00 59.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 645.00 61.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 601.00 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 601.00 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 601.00 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 601.00 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 564.00 69.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 564.00 63.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 564.00 59.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 564.00 61.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 518.00 69.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 518.00 63.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 518.00 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 518.00 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 463.00 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 463.00 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 463.00 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 463.00 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 426.00 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 426.00 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 426.00 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 426.00 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 389.00 69.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 389.00 63.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 389.00 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 389.00 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 352.00 69.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 352.00 63.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 352.00 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 352.00 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 315.00 69.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 315.00 63.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 315.00 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 315.00 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 260.00 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 260.00 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 260.00 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 260.00 61.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 719 m 386.5 719 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 719 m 449.5 719 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 719 m 508.5 719 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 719 m 569.5 719 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 223 m 386.5 223 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 223 m 449.5 223 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 223 m 508.5 223 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 223 m 569.5 223 l s BT /F3 9.00 Tf ET q 0 0 0 rg BT 320.00 723.45 Td (Duringtheyear) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.50 723.45 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 723.46 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.50 723.46 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 709.45 Td (Discount rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 709.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 709.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 695.46 Td (U.S. plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 695.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 695.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 682.26 Td (Qualified) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 673.26 Td (pension) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.20 681.45 Td (4.00%/3.85%/) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.45 672.45 Td (4.45%/4.35%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.75 681.46 Td (4.75%/4.55%/) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 672.46 Td (4.25%/4.25%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.75 681.46 Td (3.90%/4.20%/) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.85 672.46 Td (4.75%/ 4.80%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 659.26 Td (Nonqualified) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 650.26 Td (pension) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.20 658.45 Td (3.90/3.70/) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.45 649.45 Td (4.30/4.25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.60 649.46 Td (4.75) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.60 649.46 Td (3.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 636.26 Td (Postretirement) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.20 636.40 Td (3.80/3.65/) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.45 627.40 Td (4.20/4.10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.20 636.26 Td (4.35/4.15/) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.45 627.26 Td (3.95/4.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.20 636.26 Td (3.60/3.60/) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.35 627.26 Td (4.40/ 4.30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 614.46 Td (Non-U.S.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 605.46 Td (pension plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 591.46 Td (Range) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.50 591.45 Td (1.00 to 32.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.70 591.46 Td (1.60 to 29.25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.70 591.46 Td (1.50 to 28.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 577.46 Td (Weighted) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 568.46 Td (average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.60 568.45 Td (4.74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.60 568.46 Td (5.60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.60 568.46 Td (5.24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 554.46 Td (Non-U.S.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 545.46 Td (postretirement) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 536.46 Td (plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 522.46 Td (Range) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.50 522.45 Td (2.25 to 12.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.90 522.46 Td (3.50 to 1) Tj ET Q q 0 0 0 rg BT 486.32 522.46 Td (1.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.70 522.46 Td (3.50 to 10.00) Tj ET Q BT /F1 9.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 514.70 34.26 -8.18 re f /GS0 gs q 0 0 0 rg BT 326.00 508.46 Td (Weighted) Tj ET Q BT /F1 9.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 505.70 27.98 -8.18 re f /GS0 gs q 0 0 0 rg BT 326.00 499.46 Td (average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.60 499.45 Td (7.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.60 499.46 Td (8.65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.60 499.46 Td (7.46) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 485.45 Td (Future) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 476.45 Td (compensation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 467.45 Td (increase rate) Tj ET Q BT /F1 9.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 320.00 459.70 37.25 -8.18 re f /GS0 gs q 0 0 0 rg BT 320.00 453.46 Td (U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.95 453.45 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.95 453.46 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.95 453.46 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 439.46 Td (Non-U.S.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 430.46 Td (pension plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 416.46 Td (Range) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.50 416.45 Td (1.00 to 30.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.70 416.46 Td (1.00 to 26.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.70 416.46 Td (1.20 to 26.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 402.46 Td (Weighted) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 393.46 Td (average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.60 393.45 Td (3.27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.60 393.46 Td (3.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.60 393.46 Td (3.93) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 379.45 Td (Expected return) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 370.45 Td (on assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 356.46 Td (U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.60 356.45 Td (7.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.60 356.46 Td (7.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.60 356.46 Td (7.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 342.46 Td (Non-U.S.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 333.46 Td (pension plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 319.46 Td (Range) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.70 319.45 Td (1.30 to 11.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.90 319.46 Td (1.20 to 1) Tj ET Q q 0 0 0 rg BT 486.32 319.46 Td (1.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.90 319.46 Td (0.90 to 11.50) Tj ET Q BT /F1 9.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 311.70 34.26 -8.18 re f /GS0 gs q 0 0 0 rg BT 326.00 305.46 Td (Weighted) Tj ET Q BT /F1 9.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 302.70 27.98 -8.18 re f /GS0 gs q 0 0 0 rg BT 326.00 296.46 Td (average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.60 296.45 Td (5.08) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.60 296.46 Td (5.68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.60 296.46 Td (5.76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 282.46 Td (Non-U.S.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 273.46 Td (postretirement) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 264.46 Td (plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 250.46 Td (Range) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.50 250.45 Td (8.50 to 10.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.95 250.46 Td (8.50 to 8.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.95 250.46 Td (8.50 to 9.60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 236.46 Td (Weighted) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 227.46 Td (average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.60 227.45 Td (8.51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.60 227.46 Td (8.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.60 227.46 Td (8.50) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 335 0 obj <> endobj 336 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (165) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (Discount Rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (The discount rates for the U.S. pension and postretirement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (plans were selected by reference to a Citigroup-specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (analysis using each plan) Tj ET Q q 0 0 0 rg BT 135.70 706.10 Td (s specific cash flows and compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (with high-quality corporate bond indices for reasonableness. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (The discount rates for the non-U.S. pension and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (postretirement plans are selected by reference to high-quality ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (corporate bond rates in countries that have developed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (corporate bond markets. However) Tj ET Q q 0 0 0 rg BT 171.66 646.10 Td (, where developed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.10 Td (corporate bond markets do not exist, the discount rates are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (selected by reference to local government bond rates with a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 Td (premium added to reflect the additional risk for corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (bonds in certain countries. Ef) Tj ET Q q 0 0 0 rg BT 153.29 598.10 Td (fective in 2015, Citi rounds the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (discount rate for all the Significant Plans to the nearest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.61 586.10 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.61 586.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 Td (basis points. Discount rates for ) Tj ET Q q 0 0 0 rg BT 161.54 574.10 Td (All Other Plans are rounded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.10 Td (to the nearest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.81 562.10 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.81 562.10 Td ( basis points for plans in the six lar) Tj ET Q q 0 0 0 rg BT 241.06 562.10 Td (gest non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.10 Td (U.S. countries and to the nearest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.19 550.10 Td (25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.19 550.10 Td ( basis points for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 Td (remaining non-US countries. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (Expected Rate of Return) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.10 Td (The Company determines its assumptions for the expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.10 Td (rate of return on plan assets for its U.S. pension and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.10 Td (postretirement plans using a building block approach, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td (which focuses on ranges of anticipated rates of return for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.10 Td (each asset class. ) Tj ET Q q 0 0 0 rg BT 102.64 454.10 Td (A) Tj ET Q q 0 0 0 rg BT 109.31 454.10 Td ( weighted average range of nominal rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.10 Td (is then determined based on tar) Tj ET Q q 0 0 0 rg BT 160.50 442.10 Td (get allocations to each asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.10 Td (class. Market performance over a number of earlier years is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.10 Td (evaluated covering a wide range of economic conditions to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.10 Td (determine whether there are sound reasons for projecting any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.10 Td (past trends.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 382.10 Td (The Company considers the expected rate of return to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.10 Td (a long-term assessment of return expectations and does not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.10 Td (anticipate changing this assumption unless there are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.10 Td (significant changes in investment strategy or economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.10 Td (conditions. ) Tj ET Q q 0 0 0 rg BT 82.48 334.10 Td (This contrasts with the selection of the discount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.10 Td (rate and certain other assumptions, which are reconsidered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.10 Td (annually \(or quarterly for the Significant Plans\) in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.10 Td (accordance with GAAP) Tj ET Q q 0 0 0 rg BT 129.86 298.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 286.10 Td (The expected rate of return for the U.S. pension and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.10 Td (postretirement plans was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.92 274.10 Td (7.00%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.75 274.10 Td ( at December31, 2015, 2014 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.10 Td (and 2013. ) Tj ET Q q 0 0 0 rg BT 77.76 262.10 Td (The expected return on assets reflects the expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.10 Td (annual appreciation of the plan assets and reduces the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.10 Td (Company) Tj ET Q q 0 0 0 rg BT 77.67 238.10 Td (s annual pension expense. ) Tj ET Q q 0 0 0 rg BT 183.85 238.10 Td (The expected return on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.10 Td (assets is deducted from the sum of service cost, interest cost ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.10 Td (and other components of pension expense to arrive at the net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.10 Td (pension \(benefit\) expense. Net pension \(benefit\) expense for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.10 Td (the U.S. pension plans for 2015, 2014 and 2013 reflects ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.10 Td (deductions of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.66 178.10 Td ($893 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.05 178.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.05 178.10 Td ($878 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.44 178.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.88 178.10 Td ($863 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.27 178.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.10 Td (of expected returns, respectively) Tj ET Q q 0 0 0 rg BT 165.29 166.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 742.10 Td (The following table shows the expected rates of return ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (used in determining the Company) Tj ET Q q 0 0 0 rg BT 455.31 730.10 Td (s pension expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (compared to the actual rate of return on plan assets during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (2015, 2014 and 2013 for the U.S. pension and postretirement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (plans:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 668.60 105.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 668.60 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 668.60 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 668.60 49.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 668.6 m 422.5 668.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 668.6 m 471.5 668.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 668.6 m 520.5 668.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 668.6 m 569.5 668.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 638.6 m 422.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 638.6 m 471.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 638.6 m 520.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 638.6 m 569.5 638.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 673.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.50 673.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 673.06 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.50 673.06 Td (2013) Tj ET Q BT /F1 9.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 320.00 664.30 82.71 -8.18 re f /GS0 gs q 0 0 0 rg BT 320.00 658.06 Td (Expected rate of return) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.25 658.05 Td (7.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.00 658.05 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.75 658.06 Td (7.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.50 658.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.75 658.06 Td (7.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.50 658.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 643.06 Td (Actual rate of return) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 393.21 647.14 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.25 643.05 Td (\(1.70) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.00 643.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.75 643.06 Td (7.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.75 643.06 Td (6.00) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.00 621.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.00 621.50 Td (Actual rates of return are presented net of fees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 597.50 Td (For the non-U.S. pension plans, pension expense for 2015 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 585.50 Td (was reduced by the expected return of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.65 585.50 Td ($323 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.04 585.50 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 573.50 Td (compared with the actual return of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.50 573.50 Td ($56 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.89 573.50 Td (. Pension ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 561.50 Td (expense for 2014 and 2013 was reduced by expected returns ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 549.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.83 549.50 Td ($384 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.22 549.50 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.66 549.50 Td ($396 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.05 549.50 Td (, respectively) Tj ET Q q 0 0 0 rg BT 502.71 549.50 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 525.00 Td (Mortality T) Tj ET Q q 0 0 0 rg BT 361.92 525.00 Td (ables) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 513.00 Td (At December 31, 2015, the Company maintained the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 501.00 Td (Retirement Plan 2014 \(RP-2014\) mortality table and adopted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 489.00 Td (Mortality Projection 2015 \(MP-2015\) projection table for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 477.00 Td (U.S. plans.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 451.50 92.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 451.50 80.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 451.50 80.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 421.50 92.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 421.50 80.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 421.50 80.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 451.5 m 409.5 451.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 451.5 m 489.5 451.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 451.5 m 569.5 451.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 406.5 m 409.5 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 406.5 m 489.5 406.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 406.5 m 569.5 406.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 455.95 Td (U.S. Plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.55 455.95 Td (2015) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 454.55 460.03 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.55 455.96 Td (2014) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 534.55 460.04 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 440.95 Td (Mortality) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 356.98 445.03 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 440.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 440.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 425.96 Td (Pension) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.75 425.95 Td (RP-2014/MP-2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 425.96 Td (RP-2014/MP-2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 410.96 Td (Postretirement) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.75 410.95 Td (RP-2014/MP-2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 410.96 Td (RP-2014/MP-2014) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.00 384.80 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.00 384.80 Td (The RP-2014 table is the white-collar RP-2014 table, with a ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 528.96 384.80 Td (4%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 539.63 384.80 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.00 375.20 Td (increase in rates to reflect the lower Citigroup-specific mortality ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.00 365.60 Td (experience. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.00 356.00 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.00 356.00 Td (The MP-2015 projection scale is projected from 201) Tj ET Q q 0 0 0 rg BT 502.44 356.00 Td (1, with ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.00 346.40 Td (conver) Tj ET Q q 0 0 0 rg BT 356.62 346.40 Td (gence to 0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.50 346.40 Td (.5%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 402.16 346.40 Td ( ultimate rate of annual improvement by 2029.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.00 336.80 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.00 336.80 Td (The MP-2014 projection scale includes a phase-out of the assumed ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.00 327.20 Td (rates of improvements from 2015 to 2027.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 303.20 Td (Adjustments were made to the RP-2014 tables and to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 291.20 Td (the long-term rate of mortality improvement to reflect the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 279.20 Td (Citigroup specific experience. ) Tj ET Q q 0 0 0 rg BT 439.18 279.20 Td (As a result, the U.S. qualified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 267.20 Td (and nonqualified pension and postretirement plans) Tj ET Q q 0 0 0 rg BT 521.48 267.20 Td ( PBO at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 255.20 Td (December 31, 2014 increased by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.84 255.20 Td ($1,209 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.73 255.20 Td ( and its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 243.20 Td (funded status and ) Tj ET Q q 0 0 0 rg BT 388.93 243.20 Td (AOCI decreased by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.29 243.20 Td ($1,209 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.18 243.20 Td ( \() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.01 243.20 Td ($737 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 231.20 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.89 231.20 Td (, net of tax\). In addition, the 2015 qualified and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 219.20 Td (nonqualified pension and postretirement benefit expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 207.20 Td (increased by approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.01 207.20 Td ($73 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.40 207.20 Td (.) Tj ET Q endstream endobj 337 0 obj <> endobj 338 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (166) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (Sensitivities of Certain Key ) Tj ET Q q 0 0 0 rg BT 147.47 742.10 Td (Assumptions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (The following tables summarize the ef) Tj ET Q q 0 0 0 rg BT 189.94 730.10 Td (fect on pension ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (expense of a one-percentage-point change in the discount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (rate:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 665.60 101.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 137.50 665.60 18.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 155.50 665.60 32.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 665.60 18.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.50 665.60 32.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 665.60 18.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 665.60 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 590.60 101.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 137.50 590.60 18.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 155.50 590.60 32.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 590.60 18.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.50 590.60 32.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 590.60 18.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 590.60 33.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 680.6 m 155.5 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 155.5 680.6 m 187.5 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 187.5 680.6 m 205.5 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.5 680.6 m 237.5 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 680.6 m 255.5 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 680.6 m 288.5 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 665.6 m 137.5 665.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 665.6 m 155.5 665.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 155.5 665.6 m 187.5 665.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 187.5 665.6 m 205.5 665.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.5 665.6 m 237.5 665.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 665.6 m 255.5 665.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 665.6 m 288.5 665.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 635.6 m 137.5 635.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 635.6 m 155.5 635.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 155.5 635.6 m 187.5 635.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 187.5 635.6 m 205.5 635.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.5 635.6 m 237.5 635.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 635.6 m 255.5 635.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 635.6 m 288.5 635.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 605.6 m 155.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 155.5 605.6 m 187.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 187.5 605.6 m 205.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.5 605.6 m 237.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 605.6 m 255.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 605.6 m 288.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 590.6 m 137.5 590.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 605.6 m 155.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 590.6 m 155.5 590.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 155.5 605.6 m 187.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 155.5 590.6 m 187.5 590.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 187.5 605.6 m 205.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 187.5 590.6 m 205.5 590.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.5 605.6 m 237.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.5 590.6 m 237.5 590.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 605.6 m 255.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 590.6 m 255.5 590.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 605.6 m 288.5 605.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 590.6 m 288.5 590.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 590.6 m 155.5 590.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 155.5 590.6 m 187.5 590.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 187.5 590.6 m 205.5 590.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.5 590.6 m 237.5 590.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 590.6 m 255.5 590.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 590.6 m 288.5 590.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 560.6 m 137.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 560.6 m 155.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 155.5 560.6 m 187.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 187.5 560.6 m 205.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.5 560.6 m 237.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 560.6 m 255.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 560.6 m 288.5 560.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 685.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 162.80 685.05 Td (One-percentage-pointincrease) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 669.85 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 162.00 670.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 212.00 670.06 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 262.50 670.06 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 655.06 Td (U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 158.00 655.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 174.65 655.05 Td (26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 208.00 655.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 224.65 655.06 Td (28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.00 655.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.65 655.06 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 640.06 Td (Non-U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 171.65 640.05 Td (\(32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.65 640.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.65 640.06 Td (\(39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.65 640.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.65 640.06 Td (\(52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.65 640.06 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 610.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 162.05 610.05 Td (One-percentage-pointdecrease) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 594.85 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 162.00 595.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 212.00 595.06 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 262.50 595.06 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 580.06 Td (U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 158.00 580.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 171.65 580.05 Td (\(44) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.65 580.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 208.00 580.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.65 580.06 Td (\(45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.65 580.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.00 580.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.65 580.06 Td (\(57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.65 580.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 565.06 Td (Non-U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 174.65 565.05 Td (44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 224.65 565.06 Td (56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.65 565.06 Td (79) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 537.10 Td (Since the U.S. qualified pension plan was frozen, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 525.10 Td (majority of the prospective service cost has been eliminated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 513.10 Td (and the gain/loss amortization period was changed to the life ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 501.10 Td (expectancy for inactive participants. ) Tj ET Q q 0 0 0 rg BT 182.88 501.10 Td (As a result, pension ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 489.10 Td (expense for the U.S. qualified pension plan is driven more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 477.10 Td (by interest costs than service costs, and an increase in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 465.10 Td (discount rate would increase pension expense, while a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 453.10 Td (decrease in the discount rate would decrease pension ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 441.10 Td (expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 429.10 Td (The following tables summarize the ef) Tj ET Q q 0 0 0 rg BT 207.94 429.10 Td (fect on pension ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 417.10 Td (expense of a one-percentage-point change in the expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 405.10 Td (rates of return:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 32.00 364.60 99.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 131.00 364.60 18.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.00 364.60 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 182.00 364.60 18.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.00 364.60 33.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.00 364.60 18.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.00 364.60 33.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131 379.6 m 149 379.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 149 379.6 m 182 379.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182 379.6 m 200 379.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200 379.6 m 233 379.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 379.6 m 251 379.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251 379.6 m 284 379.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 32 364.6 m 131 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131 379.6 m 149 379.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131 364.6 m 149 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 149 379.6 m 182 379.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 149 364.6 m 182 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182 379.6 m 200 379.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182 364.6 m 200 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200 379.6 m 233 379.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200 364.6 m 233 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 379.6 m 251 379.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 364.6 m 251 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251 379.6 m 284 379.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251 364.6 m 284 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131 364.6 m 149 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 149 364.6 m 182 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182 364.6 m 200 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200 364.6 m 233 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 364.6 m 251 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251 364.6 m 284 364.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 32 334.6 m 131 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131 334.6 m 149 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 149 334.6 m 182 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182 334.6 m 200 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200 334.6 m 233 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233 334.6 m 251 334.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251 334.6 m 284 334.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 34.50 384.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 157.30 384.05 Td (One-percentage-pointincrease) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 34.50 368.85 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.00 369.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.00 369.06 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.00 369.06 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 34.50 354.06 Td (U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 151.50 354.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 162.00 354.05 Td (\(128) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 178.50 354.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 202.50 354.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.00 354.06 Td (\(129) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.50 354.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.50 354.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.00 354.06 Td (\(123) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.50 354.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 34.50 339.06 Td (Non-U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 166.50 339.05 Td (\(63) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 178.50 339.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.50 339.06 Td (\(67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.50 339.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.50 339.06 Td (\(68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.50 339.06 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 323.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 282.60 102.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 138.50 282.60 18.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 156.50 282.60 32.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 188.50 282.60 18.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 206.50 282.60 32.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 282.60 18.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 256.50 282.60 32.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 297.6 m 156.5 297.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 156.5 297.6 m 188.5 297.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 188.5 297.6 m 206.5 297.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 206.5 297.6 m 238.5 297.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 297.6 m 256.5 297.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 256.5 297.6 m 288.5 297.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 282.6 m 138.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 282.6 m 156.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 156.5 297.6 m 188.5 297.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 156.5 282.6 m 188.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 188.5 297.6 m 206.5 297.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 188.5 282.6 m 206.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 206.5 297.6 m 238.5 297.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 206.5 282.6 m 238.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 297.6 m 256.5 297.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 282.6 m 256.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 256.5 297.6 m 288.5 297.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 256.5 282.6 m 288.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 282.6 m 156.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 156.5 282.6 m 188.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 188.5 282.6 m 206.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 206.5 282.6 m 238.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 282.6 m 256.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 256.5 282.6 m 288.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 252.60000000000002 m 138.5 252.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 252.60000000000002 m 156.5 252.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 156.5 252.60000000000002 m 188.5 252.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 188.5 252.60000000000002 m 206.5 252.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 206.5 252.60000000000002 m 238.5 252.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 252.60000000000002 m 256.5 252.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 256.5 252.60000000000002 m 288.5 252.60000000000002 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 302.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 162.55 302.05 Td (One-percentage-pointdecrease) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 286.85 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 163.00 287.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.00 287.06 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 287.06 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 272.06 Td (U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 159.00 272.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 171.50 272.05 Td (128) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 209.00 272.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.50 272.06 Td (129) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.00 272.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 272.06 Td (123) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 257.06 Td (Non-U.S. plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 257.05 Td (63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 226.00 257.06 Td (67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 257.06 Td (68) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 241.10 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (Health Car) Tj ET Q q 0 0 0 rg BT 361.91 742.10 Td (e Cost T) Tj ET Q q 0 0 0 rg BT 394.70 742.10 Td (r) Tj ET Q q 0 0 0 rg BT 398.22 742.10 Td (end Rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (Assumed health care cost-trend rates were as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 704.60 168.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 704.60 40.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.50 704.60 41.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 670.60 168.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 670.60 40.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.50 670.60 41.00 -20.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 704.6 m 485.5 704.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 704.6 m 525.5 704.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 704.6 m 566.5 704.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 650.6 m 485.5 650.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 635.6 m 485.5 635.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 650.6 m 525.5 650.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 635.6 m 525.5 635.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 650.6 m 566.5 650.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525.5 635.6 m 566.5 635.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 709.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 709.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.50 709.06 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 696.00 Td (Health car) Tj ET Q q 0 0 0 rg BT 360.57 696.00 Td (ecostincr) Tj ET Q q 0 0 0 rg BT 399.40 696.00 Td (easeratefor) Tj ET Q q 0 0 0 rg BT 446.70 696.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 687.05 Td (U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.00 690.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.50 690.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 675.06 Td (Following year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.60 675.05 Td (7.00%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.85 675.06 Td (7.50%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 661.86 Td (Ultimate rate to which cost increase is) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 652.91 Td (assumed to decline) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.10 655.05 Td (5.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.60 655.06 Td (5.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 640.06 Td (Y) Tj ET Q q 0 0 0 rg BT 325.60 640.06 Td (ear in which the ultimate rate is reached) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 469.28 644.14 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 640.05 Td (2020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.50 640.06 Td (2020) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.00 616.90 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 335.00 616.90 Td (W) Tj ET Q q 0 0 0 rg BT 341.91 616.90 Td (eighted average for plans with dif) Tj ET Q q 0 0 0 rg BT 449.50 616.90 Td (ferent following year and ultimate ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.00 607.30 Td (rates.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 313.00 581.80 162.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.00 581.80 45.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.00 581.80 45.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.00 547.80 162.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.00 547.80 45.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.00 547.80 45.00 -24.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313 581.8 m 475 581.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475 581.8 m 520 581.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520 581.8 m 565 581.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313 523.8 m 475 523.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313 499.8 m 475 499.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475 523.8 m 520 523.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475 499.8 m 520 499.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520 523.8 m 565 523.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520 499.8 m 565 499.8 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 586.25 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.00 586.25 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.00 586.26 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 573.20 Td (Health car) Tj ET Q q 0 0 0 rg BT 356.07 573.20 Td (ecostincr) Tj ET Q q 0 0 0 rg BT 394.90 573.20 Td (easeratefor) Tj ET Q q 0 0 0 rg BT 442.20 573.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 564.25 Td (Non-U.S.plans \(weighted average\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 567.25 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.00 567.25 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.50 552.26 Td (Following year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.60 552.25 Td (6.87%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.35 552.26 Td (6.94%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.50 537.26 Td (Ultimate rate to which cost increase is) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.50 528.26 Td (assumed to decline) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.10 528.25 Td (6.86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.10 528.26 Td (6.93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.50 513.26 Td (Range of years in which the ultimate rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.50 504.26 Td (is reached) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.75 513.25 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.00 504.25 Td (2029) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.75 513.26 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.00 504.26 Td (2027) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 476.30 Td () Tj ET Q q 0 0 0 rg BT 336.95 476.30 Td (A) Tj ET Q q 0 0 0 rg BT 343.62 476.30 Td ( one-percentage-point change in assumed health care ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 464.30 Td (cost trend rates would have the following ef) Tj ET Q q 0 0 0 rg BT 492.60 464.30 Td (fects: ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 405.80 117.00 -40.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 405.80 31.00 -40.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 405.80 32.00 -40.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 405.80 8.00 -40.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 405.80 32.00 -40.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 405.80 32.00 -40.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 263.80 117.00 -40.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 263.80 31.00 -40.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 263.80 32.00 -40.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 263.80 8.00 -40.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 263.80 32.00 -40.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 263.80 32.00 -40.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 420.79999999999995 m 465.5 420.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 420.79999999999995 m 497.5 420.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 420.79999999999995 m 537.5 420.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 420.79999999999995 m 569.5 420.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 405.79999999999995 m 434.5 405.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 405.79999999999995 m 465.5 405.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 405.79999999999995 m 497.5 405.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 405.79999999999995 m 505.5 405.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 405.79999999999995 m 537.5 405.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 405.79999999999995 m 569.5 405.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 325.79999999999995 m 434.5 325.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 325.79999999999995 m 465.5 325.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 325.79999999999995 m 497.5 325.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 325.79999999999995 m 505.5 325.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 325.79999999999995 m 537.5 325.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 325.79999999999995 m 569.5 325.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 278.79999999999995 m 465.5 278.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 278.79999999999995 m 497.5 278.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 278.79999999999995 m 537.5 278.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 278.79999999999995 m 569.5 278.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 263.79999999999995 m 434.5 263.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 263.79999999999995 m 465.5 263.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 263.79999999999995 m 497.5 263.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 263.79999999999995 m 505.5 263.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 263.79999999999995 m 537.5 263.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 263.79999999999995 m 569.5 263.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 183.79999999999995 m 434.5 183.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 183.79999999999995 m 465.5 183.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 183.79999999999995 m 497.5 183.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 183.79999999999995 m 505.5 183.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 183.79999999999995 m 537.5 183.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 183.79999999999995 m 569.5 183.79999999999995 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 425.25 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 443.25 Td (One-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.05 434.25 Td (per) Tj ET Q q 0 0 0 rg BT 455.88 434.25 Td (centage-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.70 425.25 Td (pointincr) Tj ET Q q 0 0 0 rg BT 476.29 425.25 Td (ease) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.50 443.25 Td (One-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.55 434.25 Td (per) Tj ET Q q 0 0 0 rg BT 527.38 434.25 Td (centage-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.45 425.25 Td (pointdecr) Tj ET Q q 0 0 0 rg BT 548.53 425.25 Td (ease) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 320.00 410.05 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.50 410.25 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.00 410.26 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.00 410.25 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.00 410.26 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 388.26 Td (Effect on benefits earned and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 379.26 Td (interest cost for U.S.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 370.26 Td (postretirement plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.00 370.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 370.25 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 370.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 370.26 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 370.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.50 370.25 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.00 370.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 370.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 370.26 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.00 370.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 357.06 Td (Effect on accumulated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 348.06 Td (postretirement benefit) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 339.06 Td (obligation for U.S.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 330.06 Td (postretirement plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 330.25 Td (45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 330.26 Td (40) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.00 330.25 Td (\(38) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.00 330.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.00 330.26 Td (\(34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.00 330.26 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 283.25 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 301.25 Td (One-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.05 292.25 Td (per) Tj ET Q q 0 0 0 rg BT 455.88 292.25 Td (centage-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.70 283.25 Td (pointincr) Tj ET Q q 0 0 0 rg BT 476.29 283.25 Td (ease) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.50 301.25 Td (One-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.55 292.25 Td (per) Tj ET Q q 0 0 0 rg BT 527.38 292.25 Td (centage-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.45 283.25 Td (pointdecr) Tj ET Q q 0 0 0 rg BT 548.53 283.25 Td (ease) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 320.00 268.05 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.50 268.25 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.00 268.26 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.00 268.25 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.00 268.26 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 246.26 Td (Effect on benefits earned and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 237.26 Td (interest cost for non-U.S.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 228.26 Td (postretirement plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.00 228.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 228.25 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 228.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 228.26 Td (17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 228.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.00 228.25 Td (\(12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.00 228.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 228.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.00 228.26 Td (\(14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.00 228.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 215.06 Td (Effect on accumulated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 206.06 Td (postretirement benefit) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 197.06 Td (obligation for non-U.S.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 188.06 Td (postretirement plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.50 188.25 Td (156) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 188.26 Td (197) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.50 188.25 Td (\(128) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.00 188.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.50 188.26 Td (\(161) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.00 188.26 Td (\)) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 339 0 obj <> endobj 340 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (167) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Plan ) Tj ET Q q 0 0 0 rg BT 57.40 742.25 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 77.11 730.25 Td (s pension and postretirement plans) Tj ET Q q 0 0 0 rg BT 218.01 730.25 Td ( asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (allocations for the U.S. plans and the tar) Tj ET Q q 0 0 0 rg BT 196.61 718.25 Td (get allocations by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (asset category based on asset fair values, are as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 657.75 229.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.50 657.75 83.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 657.75 8.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 657.75 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 657.75 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 657.75 8.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 657.75 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 657.75 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 627.75 229.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.50 627.75 83.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 627.75 8.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 627.75 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 627.75 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 627.75 8.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 627.75 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 627.75 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 597.75 229.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.50 597.75 83.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 597.75 8.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 597.75 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 597.75 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 597.75 8.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 597.75 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 597.75 59.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 672.75 m 348.5 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 672.75 m 403.5 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 672.75 m 450.5 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 672.75 m 517.5 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 672.75 m 576.5 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 657.75 m 265.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 657.75 m 348.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 657.75 m 356.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 657.75 m 403.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 657.75 m 450.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 657.75 m 458.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 657.75 m 517.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 657.75 m 576.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 657.75 m 348.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 657.75 m 517.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 584.75 m 348.5 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 584.75 m 356.5 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 584.75 m 403.5 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 584.75 m 450.5 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 584.75 m 458.5 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 584.75 m 517.5 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 584.75 m 265.5 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 571.75 m 265.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 571.75 m 348.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 571.75 m 356.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 571.75 m 403.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 571.75 m 450.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 571.75 m 458.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 571.75 m 517.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 584.75 m 576.5 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 571.75 m 576.5 571.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 677.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.50 686.20 Td (T) Tj ET Q q 0 0 0 rg BT 288.68 686.20 Td (argetasset) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.75 677.20 Td (allocation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.95 686.20 Td (U.S.pensionassets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.95 677.20 Td (atDecember) Tj ET Q q 0 0 0 rg BT 420.51 677.20 Td (31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.40 686.20 Td (U.S.postr) Tj ET Q q 0 0 0 rg BT 505.49 686.20 Td (etir) Tj ET Q q 0 0 0 rg BT 518.82 686.20 Td (ementassets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.95 677.20 Td (atDecember) Tj ET Q q 0 0 0 rg BT 534.51 677.20 Td (31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 662.20 Td (Assetcategory) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 94.73 666.28 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.50 662.21 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.50 662.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.50 662.21 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.50 662.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 662.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 647.21 Td (Equity securities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 99.24 651.29 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 647.21 Td (030%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.00 647.20 Td (19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 647.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.50 647.21 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.50 647.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 647.20 Td (19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 647.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 647.21 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 647.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 632.21 Td (Debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.25 632.21 Td (2573) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.00 632.20 Td (46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.50 632.21 Td (44) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 632.20 Td (46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 632.21 Td (44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 617.21 Td (Real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 299.75 617.21 Td (07) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 617.20 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.00 617.21 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.50 617.20 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 617.21 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 602.21 Td (Private equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.50 602.21 Td (010) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 602.20 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.00 602.21 Td (8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.50 602.20 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 602.21 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 589.01 Td (Other investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.50 589.01 Td (022) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.00 589.15 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.50 589.01 Td (24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 589.15 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 589.01 Td (24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 576.15 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 345.00 576.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.50 576.15 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 576.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 576.01 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.50 576.01 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 576.15 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 576.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 576.01 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 576.01 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 554.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 554.65 Td (Asset allocations for the U.S. plans are set by investment strategy) Tj ET Q q 0 0 0 rg BT 263.21 554.65 Td (, not by investment product. For example, private equities with an underlying investment in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 545.05 Td (real estate are classified in the real estate asset category) Tj ET Q q 0 0 0 rg BT 230.94 545.05 Td (, not private equity) Tj ET Q q 0 0 0 rg BT 290.85 545.05 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 535.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 535.45 Td (Equity securities in the U.S. pension and postretirement plans do not include any Citigroup common stock at the end of 2015 and 2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 511.45 Td ( ) Tj ET Q q 0 0 0 rg BT 55.82 511.45 Td (Third-party investment managers and advisers provide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 499.45 Td (their services to Citigroup) Tj ET Q q 0 0 0 rg BT 142.92 499.45 Td (s U.S. pension and postretirement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 487.45 Td (plans. ) Tj ET Q q 0 0 0 rg BT 61.56 487.45 Td (Assets are rebalanced as the Company) Tj ET Q q 0 0 0 rg BT 217.89 487.45 Td (s Pension Plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 475.45 Td (Investment Committee deems appropriate. Citigroup) Tj ET Q q 0 0 0 rg BT 249.56 475.45 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 463.45 Td (investment strategy) Tj ET Q q 0 0 0 rg BT 113.39 463.45 Td (, with respect to its assets, is to maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 451.45 Td (a globally diversified investment portfolio across several ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 439.45 Td (asset classes that, when combined with Citigroup) Tj ET Q q 0 0 0 rg BT 235.69 439.45 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 511.45 Td (contributions to the plans, will maintain the plans) Tj ET Q q 0 0 0 rg BT 517.34 511.45 Td ( ability to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 499.45 Td (meet all required benefit obligations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 487.45 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 376.11 487.45 Td (s pension and postretirement plans) Tj ET Q q 0 0 0 rg BT 517.01 487.45 Td ( weighted-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 475.45 Td (average asset allocations for the non-U.S. plans and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 463.45 Td (actual ranges and the weighted-average tar) Tj ET Q q 0 0 0 rg BT 487.56 463.45 Td (get allocations by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 451.45 Td (asset category based on asset fair values are as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 375.95 217.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 375.95 88.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 375.95 8.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 375.95 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 375.95 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 375.95 8.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.50 375.95 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 375.95 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 345.95 217.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 345.95 88.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 345.95 8.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 345.95 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 345.95 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 345.95 8.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.50 345.95 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 345.95 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 315.95 217.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 315.95 88.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 315.95 8.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 315.95 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 315.95 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 315.95 8.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.50 315.95 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 315.95 49.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 413.95 m 341.5 413.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 413.95 m 349.5 413.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 413.95 m 407.5 413.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 413.95 m 456.5 413.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 413.95 m 464.5 413.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 413.95 m 513.5 413.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 413.95 m 562.5 413.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 390.95 m 341.5 390.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 390.95 m 407.5 390.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 390.95 m 456.5 390.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 390.95 m 513.5 390.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 390.95 m 562.5 390.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 375.95 m 253.5 375.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 375.95 m 341.5 375.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 375.95 m 349.5 375.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 375.95 m 407.5 375.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 390.95 m 456.5 390.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 375.95 m 456.5 375.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 375.95 m 464.5 375.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 375.95 m 513.5 375.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 375.95 m 562.5 375.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 375.95 m 407.5 375.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 375.95 m 456.5 375.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 315.95 m 407.5 315.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 315.95 m 456.5 315.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 315.95 m 253.5 315.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 301.95 m 253.5 301.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 315.95 m 341.5 315.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 301.95 m 341.5 301.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 315.95 m 349.5 315.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 301.95 m 349.5 301.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 315.95 m 407.5 315.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 301.95 m 407.5 301.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 315.95 m 456.5 315.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 301.95 m 456.5 301.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 315.95 m 464.5 315.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 301.95 m 464.5 301.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 315.95 m 513.5 315.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 301.95 m 513.5 301.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 315.95 m 562.5 315.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 301.95 m 562.5 301.95 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 418.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.70 418.40 Td (Non-U.S.pensionplans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 395.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.00 404.40 Td (T) Tj ET Q q 0 0 0 rg BT 279.18 404.40 Td (argetasset) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.25 395.40 Td (allocation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.60 404.40 Td (Actualrange) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.45 395.40 Td (atDecember) Tj ET Q q 0 0 0 rg BT 420.01 395.40 Td (31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.25 404.40 Td (W) Tj ET Q q 0 0 0 rg BT 486.75 404.40 Td (eighted-average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.95 395.40 Td (atDecember) Tj ET Q q 0 0 0 rg BT 530.51 395.40 Td (31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 380.40 Td (Assetcategory) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 94.73 384.48 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 380.41 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 380.40 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.50 380.41 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 380.40 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.50 380.41 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 365.41 Td (Equity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.10 365.41 Td (063 %) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.50 365.40 Td (0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.00 365.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.50 365.40 Td (68%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.75 365.41 Td (067%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 365.40 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 365.40 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 365.41 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 365.41 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 350.41 Td (Debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.75 350.41 Td (0100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.75 350.40 Td (0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.25 350.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.75 350.40 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 350.41 Td (0100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 350.40 Td (77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 350.41 Td (77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 335.41 Td (Real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 335.41 Td (019) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 335.40 Td (0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.50 335.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 335.40 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.50 335.41 Td (021) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 335.40 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 335.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 320.41 Td (Other investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.75 320.41 Td (0100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.75 320.40 Td (0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.25 320.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.75 320.40 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 320.41 Td (0100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 320.40 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 320.41 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 306.40 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.50 306.41 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.50 306.41 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.00 306.41 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 306.41 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 290.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 280.85 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 280.85 Td (Similar to the U.S. plans, asset allocations for certain non-U.S. plans are set by investment strategy) Tj ET Q q 0 0 0 rg BT 370.30 280.85 Td (, not by investment product. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 220.35 215.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 220.35 99.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 220.35 10.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 220.35 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 220.35 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 220.35 7.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.50 220.35 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 220.35 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 190.35 215.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 190.35 99.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 190.35 10.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 190.35 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 190.35 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 190.35 7.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.50 190.35 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 190.35 49.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 255.35000000000002 m 350.5 255.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 255.35000000000002 m 360.5 255.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 255.35000000000002 m 408.5 255.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 255.35000000000002 m 457.5 255.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 255.35000000000002 m 464.5 255.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 255.35000000000002 m 513.5 255.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 255.35000000000002 m 562.5 255.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 255.35000000000002 m 350.5 255.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 235.35000000000002 m 350.5 235.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 235.35000000000002 m 408.5 235.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 235.35000000000002 m 457.5 235.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 235.35000000000002 m 513.5 235.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 235.35000000000002 m 562.5 235.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 220.35000000000002 m 251.5 220.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 235.35000000000002 m 350.5 235.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 220.35000000000002 m 350.5 220.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 220.35000000000002 m 360.5 220.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 220.35000000000002 m 408.5 220.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 235.35000000000002 m 457.5 235.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 220.35000000000002 m 457.5 220.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 220.35000000000002 m 464.5 220.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 220.35000000000002 m 513.5 220.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 235.35000000000002 m 562.5 235.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 220.35000000000002 m 562.5 220.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 220.35000000000002 m 350.5 220.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 220.35000000000002 m 360.5 220.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 220.35000000000002 m 408.5 220.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 220.35000000000002 m 457.5 220.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 220.35000000000002 m 464.5 220.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 220.35000000000002 m 513.5 220.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 220.35000000000002 m 562.5 220.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 175.35000000000002 m 408.5 175.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 175.35000000000002 m 457.5 175.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 175.35000000000002 m 251.5 175.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 161.35000000000002 m 251.5 161.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 175.35000000000002 m 350.5 175.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 161.35000000000002 m 350.5 161.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 175.35000000000002 m 360.5 175.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 161.35000000000002 m 360.5 161.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 175.35000000000002 m 408.5 175.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 161.35000000000002 m 408.5 161.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 175.35000000000002 m 457.5 175.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 161.35000000000002 m 457.5 161.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 175.35000000000002 m 464.5 175.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 161.35000000000002 m 464.5 161.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 175.35000000000002 m 513.5 175.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 161.35000000000002 m 513.5 161.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 175.35000000000002 m 562.5 175.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 161.35000000000002 m 562.5 161.35000000000002 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 259.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.15 259.80 Td (Non-U.S.postretirementplans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 239.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.50 246.75 Td (T) Tj ET Q q 0 0 0 rg BT 282.68 246.75 Td (argetasset) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 281.75 237.80 Td (allocation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.60 246.75 Td (Actualrange) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.45 237.80 Td (atDecember) Tj ET Q q 0 0 0 rg BT 426.01 237.80 Td (31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.25 246.75 Td (W) Tj ET Q q 0 0 0 rg BT 486.75 246.75 Td (eighted-average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.95 237.80 Td (atDecember) Tj ET Q q 0 0 0 rg BT 530.51 237.80 Td (31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 224.80 Td (Assetcategory) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 94.73 228.88 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.50 224.81 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.00 224.80 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.50 224.81 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 224.80 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.50 224.81 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 209.81 Td (Equity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.75 209.81 Td (041%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.50 209.80 Td (0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.00 209.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.50 209.80 Td (41%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.75 209.81 Td (042%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 209.80 Td (41) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 209.80 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 209.81 Td (42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 209.81 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 194.81 Td (Debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 194.81 Td (56100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.50 194.80 Td (56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 194.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.00 194.80 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.00 194.81 Td (54100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 194.80 Td (56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 194.81 Td (54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 179.81 Td (Other investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 179.81 Td (03) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.25 179.80 Td (0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.75 179.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.25 179.80 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.75 179.81 Td (04) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 179.80 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 179.81 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 165.80 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.50 165.81 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.50 165.81 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.00 165.81 Td (100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 165.81 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 142.25 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 142.25 Td (Similar to the U.S. plans, asset allocations for certain non-U.S. plans are set by investment strategy) Tj ET Q q 0 0 0 rg BT 370.30 142.25 Td (, not by investment product. ) Tj ET Q endstream endobj 341 0 obj <> endobj 342 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (168) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Fair) Tj ET Q q 0 0 0 rg BT 54.14 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 56.46 742.25 Td (V) Tj ET Q q 0 0 0 rg BT 62.77 742.25 Td (alue Disclosur) Tj ET Q q 0 0 0 rg BT 122.87 742.25 Td (e) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (For information on fair value measurements, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (descriptions of Levels 1, 2 and 3 of the fair value hierarchy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (and the valuation methodology utilized by the Company) Tj ET Q q 0 0 0 rg BT 260.58 706.25 Td (, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (Note 1 and Note 25 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (Statements. ) Tj ET Q q 0 0 0 rg BT 84.33 682.25 Td (ASU 2015-07 removes the current requirement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (to categorize investments for which fair value is measured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (using the NA) Tj ET Q q 0 0 0 rg BT 88.04 658.25 Td (V) Tj ET Q q 0 0 0 rg BT 95.08 658.25 Td ( per share practical expedient within the fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (value hierarchy) Tj ET Q q 0 0 0 rg BT 97.26 646.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 742.10 Td (Certain investments may transfer between the fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (hierarchy classifications during the year due to changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (valuation methodology and pricing sources. ) Tj ET Q q 0 0 0 rg BT 494.56 718.10 Td (There were no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (significant transfers of investments between Level 1 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (Level 2 during 2015 and 2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 682.10 Td (Plan assets by detailed asset categories and the fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (value hierarchy are as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 605.75 324.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 605.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 605.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 605.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 605.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 575.75 324.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 575.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 575.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 575.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 575.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 545.75 324.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 545.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 545.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 545.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 545.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 515.75 324.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 515.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 515.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 515.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 515.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 485.75 324.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 485.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 485.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 485.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 485.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 455.75 324.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 455.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 455.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 455.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 455.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 425.75 324.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 425.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 425.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 425.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 425.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 395.75 324.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 395.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 395.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 395.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 395.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 365.75 324.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 365.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 365.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 365.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 365.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 335.75 324.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 335.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 335.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 335.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 335.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 305.75 324.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 305.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 305.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 305.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 305.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 276.75 324.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 276.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 276.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 276.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 276.75 54.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 620.75 m 414.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 620.75 m 468.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 620.75 m 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valued at NAV) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 379.96 Td (5,961) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 365.96 Td (Total net assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 365.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 365.96 Td (13,081) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 344.40 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 344.40 Td (The investments of the U.S. pension and postretirement plans are commingled in one trust. ) Tj ET Q q 0 0 0 rg BT 346.16 344.40 Td (At December31, 2014, the allocable interests of the U.S. pension ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 334.80 Td (and postretirement plans were ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.19 334.80 Td (99.9%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 172.85 334.80 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 188.40 334.80 Td (.01%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 205.07 334.80 Td (, respectively) Tj ET Q q 0 0 0 rg BT 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0.9333333333333333 1 rg /GS0 gs 366.50 463.50 20.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 463.50 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 463.50 20.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 463.50 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 463.50 20.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 463.50 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 433.50 280.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 433.50 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 433.50 20.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 433.50 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 433.50 20.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 433.50 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 433.50 20.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 433.50 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 404.50 280.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 404.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 404.50 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 404.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 404.50 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 404.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 404.50 20.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 404.50 50.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 733.5 m 366.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 733.5 m 386.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 733.5 m 436.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 733.5 m 456.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 733.5 m 506.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 733.5 m 526.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 733.5 m 576.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 718.5 m 316.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 733.5 m 366.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 718.5 m 366.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 733.5 m 386.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 718.5 m 386.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 718.5 m 436.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 733.5 m 456.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 718.5 m 456.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 718.5 m 506.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 733.5 m 526.5 733.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 718.5 m 526.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 718.5 m 576.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 703.5 m 316.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 703.5 m 366.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 718.5 m 386.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 703.5 m 386.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 718.5 m 436.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 703.5 m 436.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 718.5 m 456.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 703.5 m 456.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 718.5 m 506.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 703.5 m 506.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 718.5 m 526.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 703.5 m 526.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 718.5 m 576.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 703.5 m 576.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 493.5 m 316.5 493.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 478.5 m 316.5 478.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 493.5 m 366.5 493.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 478.5 m 366.5 478.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 493.5 m 386.5 493.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 478.5 m 386.5 478.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 493.5 m 436.5 493.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 478.5 m 436.5 478.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 493.5 m 456.5 493.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 478.5 m 456.5 478.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 493.5 m 506.5 493.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 478.5 m 506.5 478.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 493.5 m 526.5 493.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 478.5 m 526.5 478.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 493.5 m 576.5 493.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 478.5 m 576.5 478.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 448.5 m 316.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 448.5 m 366.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 448.5 m 386.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 448.5 m 436.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 448.5 m 456.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 448.5 m 506.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 448.5 m 526.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 448.5 m 576.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 448.5 m 316.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 433.5 m 316.5 433.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 448.5 m 366.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 433.5 m 366.5 433.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 448.5 m 386.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 433.5 m 386.5 433.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 448.5 m 436.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 433.5 m 436.5 433.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 448.5 m 456.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 433.5 m 456.5 433.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 448.5 m 506.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 433.5 m 506.5 433.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 448.5 m 526.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 433.5 m 526.5 433.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 448.5 m 576.5 448.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 433.5 m 576.5 433.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 404.5 m 316.5 404.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 404.5 m 316.5 404.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 390.5 m 316.5 390.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 404.5 m 366.5 404.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 390.5 m 366.5 390.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 404.5 m 386.5 404.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 390.5 m 386.5 390.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 404.5 m 436.5 404.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 390.5 m 436.5 390.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 404.5 m 456.5 404.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 390.5 m 456.5 390.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 404.5 m 506.5 404.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 390.5 m 506.5 390.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 404.5 m 526.5 404.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 390.5 m 526.5 390.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 404.5 m 576.5 404.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 390.5 m 576.5 390.5 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.60 737.96 Td (Non-U.S.pensionandpostretirementbenefitplans) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 722.75 Td (Inmillionsofdollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.90 722.96 Td (Fair value measurement at December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 707.96 Td (Assetcategories) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.35 707.96 Td (Level1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.35 707.96 Td (Level2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.35 707.96 Td (Level3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.80 707.96 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 692.96 Td (Equity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 692.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 692.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 692.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 692.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 677.96 Td (U.S. equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 677.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.15 677.96 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 677.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.65 677.96 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.00 677.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.65 677.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 677.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 677.96 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 662.96 Td (Non-U.S. equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.65 662.96 Td (83) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.15 662.96 Td (257) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.65 662.96 Td (48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 662.96 Td (388) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 647.96 Td (Mutual funds) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.65 647.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.65 647.96 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.65 647.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 647.96 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 632.96 Td (Commingled funds) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.65 632.96 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.65 632.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.65 632.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 632.96 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 617.96 Td (Debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 602.96 Td (U.S. corporate bonds) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.65 602.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.15 602.96 Td (350) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.65 602.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 602.96 Td (350) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 587.96 Td (Non-U.S. government debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.40 587.96 Td (3,213) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.15 587.96 Td (220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.15 587.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 587.96 Td (3,434) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 572.96 Td (Non-U.S. corporate bonds) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.65 572.96 Td (99) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.15 572.96 Td (765) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.15 572.96 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 572.96 Td (869) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 557.96 Td (Real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.65 557.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.15 557.96 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.65 557.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 557.96 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 542.96 Td (Mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.65 542.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.15 542.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.65 542.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 542.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 527.96 Td (Annuity contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.65 527.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.15 527.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.65 527.96 Td (32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 527.96 Td (33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 512.96 Td (Derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.65 512.96 Td (11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.65 512.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.65 512.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 512.96 Td (11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 497.96 Td (Other investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.15 497.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.15 497.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.15 497.96 Td (165) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 497.96 Td (167) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 482.96 Td (Total investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 482.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.40 482.96 Td (3,422) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 482.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.40 482.96 Td (1,635) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.00 482.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.15 482.96 Td (251) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 482.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 482.96 Td (5,308) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 467.96 Td (Cash and short-term investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 467.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.15 467.96 Td (112) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 467.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.15 467.96 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.00 467.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.65 467.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 467.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 467.96 Td (114) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 452.96 Td (Other investment liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.15 452.96 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.65 452.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.15 452.96 Td (\(723) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.65 452.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.65 452.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 452.96 Td (\(726) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 452.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 437.96 Td (Net investments at fair value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 437.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.40 437.96 Td (3,531) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 437.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.15 437.96 Td (914) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.00 437.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.15 437.96 Td (251) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 437.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 437.96 Td (4,696) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 422.96 Td (Other investment receivables valued at NAV) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 422.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 422.96 Td (114) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 408.96 Td (Securities valued at NAV) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 408.96 Td (3,631) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 394.96 Td (Total net assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 394.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 394.96 Td (8,441) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 349 0 obj <> endobj 350 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (172) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Level 3 Rollforward) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (The reconciliations of the beginning and ending balances during the year for Level 3 assets are as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 671.75 101.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 137.50 671.75 78.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.50 671.75 12.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 671.75 45.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 671.75 12.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 671.75 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 671.75 12.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 671.75 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 671.75 12.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 671.75 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 671.75 12.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 671.75 70.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 641.75 101.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 137.50 641.75 78.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.50 641.75 12.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 641.75 45.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 641.75 12.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 641.75 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 641.75 12.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 641.75 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 641.75 12.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 641.75 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 641.75 12.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 641.75 70.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 704.75 m 137.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 704.75 m 215.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 704.75 m 227.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 704.75 m 272.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 704.75 m 284.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 704.75 m 334.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 704.75 m 346.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 704.75 m 407.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 704.75 m 419.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 704.75 m 480.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 704.75 m 492.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 704.75 m 562.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 671.75 m 137.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 671.75 m 215.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 671.75 m 227.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 671.75 m 272.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 671.75 m 284.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 671.75 m 334.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 671.75 m 346.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 671.75 m 407.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 671.75 m 419.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 671.75 m 480.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 671.75 m 492.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 671.75 m 562.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 671.75 m 215.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 671.75 m 272.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 671.75 m 334.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 671.75 m 407.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 671.75 m 480.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 671.75 m 562.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 641.75 m 137.5 641.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 626.75 m 137.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 641.75 m 215.5 641.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 626.75 m 215.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 641.75 m 227.5 641.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 626.75 m 227.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 641.75 m 272.5 641.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 626.75 m 272.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 641.75 m 284.5 641.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 626.75 m 284.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 641.75 m 334.5 641.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 626.75 m 334.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 641.75 m 346.5 641.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 626.75 m 346.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 641.75 m 407.5 641.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 626.75 m 407.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 641.75 m 419.5 641.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 626.75 m 419.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 641.75 m 480.5 641.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 626.75 m 480.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 641.75 m 492.5 641.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 626.75 m 492.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 641.75 m 562.5 641.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 626.75 m 562.5 626.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 709.00 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.00 709.20 Td (U.S.pensionandpostretirementbenefitplans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 676.20 Td (Assetcategories) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 141.45 694.20 Td (Beginning Level 3 ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 152.80 685.20 Td (fair) Tj ET Q q 0 0 0 rg BT 166.63 685.20 Td ( value at ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 147.30 676.20 Td (Dec. 31, 2014) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 197.79 680.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.00 694.20 Td (Realized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.45 685.20 Td (gains) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 235.75 676.20 Td (\(losses\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.05 694.20 Td (Unrealized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.95 685.20 Td (gains) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.25 676.20 Td (\(losses\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.95 694.20 Td (Purchases,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.95 685.20 Td (sales,and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.70 676.20 Td (issuances) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.20 694.20 Td (Transfersin) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.55 685.20 Td (and/oroutof) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.60 676.20 Td (Level3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.95 694.20 Td (Ending Level 3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.80 685.20 Td (fair value at) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.75 676.20 Td (Dec. 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 661.21 Td (Annuity contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 140.00 661.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.00 661.21 Td (59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 661.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.00 661.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 661.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.50 661.21 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 661.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 661.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 661.21 Td (\(28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.00 661.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.00 661.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 661.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 661.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.00 661.20 Td (27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 646.21 Td (Other investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.50 646.21 Td (161) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.50 646.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.00 646.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.50 646.21 Td (\(9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 646.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.50 646.21 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.00 646.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 646.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.50 646.20 Td (147) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 631.20 Td (Total investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 140.00 631.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.50 631.21 Td (220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 631.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.50 631.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.00 631.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 631.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 631.21 Td (\(13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 631.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 631.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 631.21 Td (\(32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.00 631.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.00 631.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 631.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.00 631.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.50 631.20 Td (174) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 617.65 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 608.05 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 608.05 Td (Beginning balance was adjusted to exclude ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 193.96 608.05 Td ($2,496 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 241.07 608.05 Td ( of investments valued at NA) Tj ET Q q 0 0 0 rg BT 333.57 608.05 Td (V) Tj ET Q q 0 0 0 rg BT 338.32 608.05 Td (.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 539.95 102.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 138.50 539.95 78.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 539.95 12.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 539.95 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 539.95 12.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 539.95 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 539.95 12.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 539.95 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 539.95 12.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 539.95 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 539.95 12.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 539.95 67.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 509.95 102.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 138.50 509.95 78.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 509.95 12.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 509.95 48.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 509.95 12.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 509.95 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 509.95 12.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 509.95 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 509.95 12.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 509.95 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 509.95 12.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 509.95 67.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 572.95 m 138.5 572.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 572.95 m 216.5 572.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 572.95 m 228.5 572.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 572.95 m 276.5 572.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 572.95 m 288.5 572.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 572.95 m 337.5 572.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 572.95 m 349.5 572.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 572.95 m 410.5 572.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 572.95 m 422.5 572.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 572.95 m 483.5 572.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 572.95 m 495.5 572.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 572.95 m 562.5 572.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 539.95 m 138.5 539.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 539.95 m 216.5 539.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 539.95 m 228.5 539.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 539.95 m 276.5 539.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 539.95 m 288.5 539.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 539.95 m 337.5 539.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 539.95 m 349.5 539.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 539.95 m 410.5 539.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 539.95 m 422.5 539.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 539.95 m 483.5 539.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 539.95 m 495.5 539.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 539.95 m 562.5 539.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 539.95 m 216.5 539.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 539.95 m 276.5 539.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 539.95 m 337.5 539.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 539.95 m 410.5 539.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 539.95 m 483.5 539.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 539.95 m 562.5 539.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 509.95 m 138.5 509.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 494.95 m 138.5 494.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 509.95 m 216.5 509.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 494.95 m 216.5 494.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 509.95 m 228.5 509.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 494.95 m 228.5 494.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 509.95 m 276.5 509.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 494.95 m 276.5 494.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 509.95 m 288.5 509.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 494.95 m 288.5 494.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 509.95 m 337.5 509.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 494.95 m 337.5 494.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 509.95 m 349.5 509.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 494.95 m 349.5 494.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 509.95 m 410.5 509.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 494.95 m 410.5 494.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 509.95 m 422.5 509.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 494.95 m 422.5 494.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 509.95 m 483.5 509.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 494.95 m 483.5 494.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 509.95 m 495.5 509.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 494.95 m 495.5 494.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 509.95 m 562.5 509.95 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 494.95 m 562.5 494.95 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 577.20 Td (Inmillionsofdollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.85 577.41 Td (U.S.pensionandpostretirementbenefitplans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 544.41 Td (Assetcategories) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 143.50 562.41 Td (Beginning Level 3 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 155.50 553.41 Td (fair value at ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 148.30 544.41 Td (Dec. 31, 2013) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 198.79 548.49 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.25 562.41 Td (Realized) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.50 553.41 Td (gains) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.25 544.41 Td (\(losses\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.75 562.41 Td (Unrealized) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 553.41 Td (gains) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.75 544.41 Td (\(losses\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.35 562.41 Td (Purchases,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 553.41 Td (sales,and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 544.41 Td (issuances) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.00 562.41 Td (Transfersin) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.25 553.41 Td (and/oroutof) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.85 544.41 Td (Level3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.75 562.41 Td (Ending Level 3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 553.41 Td (fair value at) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.25 544.41 Td (Dec. 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 529.41 Td (Annuity contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 141.00 529.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 204.00 529.41 Td (91) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 231.00 529.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.00 529.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.00 529.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.50 529.41 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 529.41 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 529.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 529.41 Td (\(31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.00 529.41 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 529.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 529.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 529.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 529.41 Td (59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 514.41 Td (Other investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 199.50 514.41 Td (150) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 265.50 514.41 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 514.41 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.50 514.41 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 514.41 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.00 514.41 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 514.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 514.41 Td (161) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 499.40 Td (Total investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 141.00 499.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 199.50 499.41 Td (241) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 231.00 499.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 265.50 499.41 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 499.41 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.00 499.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.50 499.41 Td (\(5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 499.41 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 499.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 499.41 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.00 499.41 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 499.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 499.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 499.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 499.41 Td (220) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 476.25 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 476.25 Td (Beginning balance was adjusted to exclude ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 193.96 476.25 Td ($3,284 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 241.07 476.25 Td ( of investments valued at NA) Tj ET Q q 0 0 0 rg BT 333.57 476.25 Td (V) Tj ET Q q 0 0 0 rg BT 338.32 476.25 Td (.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 408.15 122.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 408.15 76.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.50 408.15 20.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 408.15 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 408.15 19.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 408.15 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 408.15 19.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 408.15 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 408.15 19.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 408.15 73.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 378.15 122.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 378.15 76.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.50 378.15 20.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 378.15 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 378.15 19.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 378.15 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 378.15 19.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 378.15 59.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 378.15 19.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 378.15 73.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 348.15 122.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 158.50 348.15 76.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.50 348.15 20.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 348.15 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 348.15 19.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 348.15 54.00 -15.00 re f /GS0 gs 0.8 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329.5 596.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 581.5 m 329.5 581.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 596.5 m 349.5 596.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 581.5 m 349.5 581.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 596.5 m 398.5 596.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 581.5 m 398.5 581.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 596.5 m 417.5 596.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 581.5 m 417.5 581.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 596.5 m 476.5 596.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 581.5 m 476.5 581.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 596.5 m 495.5 596.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 581.5 m 495.5 581.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 596.5 m 562.5 596.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 581.5 m 562.5 581.5 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 737.75 Td (Inmillionsofdollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.10 737.96 Td (Non-U.S.pensionandpostretirementbenefitplans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 705.96 Td (Assetcategories) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 187.50 723.96 Td (Beginning Level 3 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 199.50 714.96 Td (fair value at ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 192.30 705.96 Td (Dec. 31, 2013) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 242.79 710.04 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.25 723.96 Td (Unrealized) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.50 714.96 Td (gains) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.25 705.96 Td (\(losses\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.35 723.96 Td (Purchases,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.00 714.96 Td (sales,and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.50 705.96 Td (issuances) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 723.96 Td (Transfersin) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.25 714.96 Td (and/oroutof) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.85 705.96 Td (Level3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.75 723.96 Td (Ending Level 3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 714.96 Td (fair value at) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.25 705.96 Td (Dec. 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 690.96 Td (Equity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.00 690.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 690.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 690.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 690.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 690.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 675.96 Td (Non-U.S. equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 184.00 675.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.00 675.96 Td (49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 675.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.50 675.96 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 675.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 675.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 675.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 675.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 675.96 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 675.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 675.96 Td (48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 660.96 Td (Debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.00 660.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 645.96 Td (Non-U.S. government bonds) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.00 645.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 317.00 645.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 645.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 645.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 645.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 630.96 Td (Non-U.S. corporate bonds) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.50 630.96 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 317.00 630.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.50 630.96 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.50 630.96 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 630.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 630.96 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 615.96 Td (Annuity contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.00 615.96 Td (32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 317.00 615.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 615.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.00 615.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 615.96 Td (32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 600.96 Td (Other investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.50 600.96 Td (202) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 317.00 600.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 600.96 Td (\(37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 600.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.00 600.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 600.96 Td (165) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 585.96 Td (Total investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 184.00 585.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.50 585.96 Td (288) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 585.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.50 585.96 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 585.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 585.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 585.96 Td (\(36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 585.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 585.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 585.96 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 585.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 585.96 Td (251) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 562.80 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 562.80 Td (Beginning balance was adjusted to exclude ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 193.96 562.80 Td ($1) Tj ET Q q 0 0 0 rg BT 201.66 562.80 Td (1 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 230.77 562.80 Td ( of investments valued at NA) Tj ET Q q 0 0 0 rg BT 323.28 562.80 Td (V) Tj ET Q q 0 0 0 rg BT 328.02 562.80 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 529.25 Td (Investment Strategy) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 517.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 95.71 517.25 Td (s global pension and postretirement funds) Tj ET Q q 0 0 0 rg BT 265.21 517.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 505.25 Td (investment strategy is to invest in a prudent manner for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 493.25 Td (exclusive purpose of providing benefits to participants. ) Tj ET Q q 0 0 0 rg BT 258.54 493.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 481.25 Td (investment strategies are tar) Tj ET Q q 0 0 0 rg BT 147.72 481.25 Td (geted to produce a total return ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 469.25 Td (that, when combined with the Company) Tj ET Q q 0 0 0 rg BT 198.75 469.25 Td (s contributions to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 457.25 Td (the funds, will maintain the funds) Tj ET Q q 0 0 0 rg BT 173.01 457.25 Td ( ability to meet all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 445.25 Td (required benefit obligations. Risk is controlled through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 433.25 Td (diversification of asset types and investments in domestic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 421.25 Td (and international equities, fixed-income securities and cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 409.25 Td (and short-term investments. ) Tj ET Q q 0 0 0 rg BT 149.69 409.25 Td (The tar) Tj ET Q q 0 0 0 rg BT 178.10 409.25 Td (get asset allocation in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 397.25 Td (most locations outside the U.S. is primarily in equity and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 385.25 Td (debt securities. ) Tj ET Q q 0 0 0 rg BT 98.30 385.25 Td (These allocations may vary by geographic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 373.20 Td (region and country depending on the nature of applicable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 361.20 Td (obligations and various other regional considerations. ) Tj ET Q q 0 0 0 rg BT 252.71 361.20 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 349.20 Td (wide variation in the actual range of plan asset allocations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 337.20 Td (for the funded non-U.S. plans is a result of dif) Tj ET Q q 0 0 0 rg BT 219.95 337.20 Td (fering local ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 325.20 Td (statutory requirements and economic conditions. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 313.20 Td (example, in certain countries local law requires that all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 301.20 Td (pension plan assets must be invested in fixed-income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 289.20 Td (investments, government funds, or local-country securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 277.20 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 265.20 Td (Significant Concentrations of Risk in Plan ) Tj ET Q q 0 0 0 rg BT 217.69 265.20 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 253.20 Td (The assets of the Company) Tj ET Q q 0 0 0 rg BT 147.09 253.20 Td (s pension plans are diversified to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 241.20 Td (limit the impact of any individual investment. ) Tj ET Q q 0 0 0 rg BT 221.34 241.20 Td (The U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 229.20 Td (qualified pension plan is diversified across multiple asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 217.20 Td (classes, with publicly traded fixed income, hedge funds, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 205.20 Td (publicly traded equity) Tj ET Q q 0 0 0 rg BT 123.10 205.20 Td (, and private equity representing the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 193.20 Td (most significant asset allocations. Investments in these four ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 181.20 Td (asset classes are further diversified across funds, managers, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 169.20 Td (strategies, vintages, sectors and geographies, depending on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 157.20 Td (the specific characteristics of each asset class. ) Tj ET Q q 0 0 0 rg BT 221.84 157.20 Td (The pension ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 145.20 Td (assets for the Company) Tj ET Q q 0 0 0 rg BT 132.37 145.20 Td (s non-U.S. Significant Plans are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 133.20 Td (primarily invested in publicly traded fixed income and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 121.20 Td (publicly traded equity securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 109.20 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 529.25 Td (Oversight and Risk Management Practices) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 517.25 Td (The framework for the Company) Tj ET Q q 0 0 0 rg BT 451.96 517.25 Td (s pension oversight process ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 505.25 Td (includes monitoring of retirement plans by plan fiduciaries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 493.25 Td (and/or management at the global, regional or country level, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 481.25 Td (as appropriate. Independent risk management contributes to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 469.25 Td (the risk oversight and monitoring for the Company) Tj ET Q q 0 0 0 rg BT 523.36 469.25 Td (s U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 457.25 Td (qualified pension plan and non-U.S. Significant Pension ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 445.25 Td (Plans. ) Tj ET Q q 0 0 0 rg BT 343.12 445.25 Td (Although the specific components of the oversight ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 433.25 Td (process are tailored to the requirements of each region, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 421.25 Td (country and plan, the following elements are common to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 409.25 Td (Company) Tj ET Q q 0 0 0 rg BT 358.67 409.25 Td (s monitoring and risk management process:) Tj ET Q BT /F1 5.00 Tf ET q 0 0 0 rg BT 317.00 403.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 391.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 391.25 Td (periodic asset/liability management studies and strategic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 379.20 Td (asset allocation reviews;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 367.20 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 367.20 Td (periodic monitoring of funding levels and funding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 355.20 Td (ratios;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 343.20 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 343.20 Td (periodic monitoring of compliance with asset allocation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 331.20 Td (guidelines;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 319.20 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 319.20 Td (periodic monitoring of asset class and/or investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 307.20 Td (manager performance against benchmarks; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 295.20 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 295.20 Td (periodic risk capital analysis and stress testing.) Tj ET Q endstream endobj 353 0 obj <> endobj 354 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (174) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Estimated Futur) Tj ET Q q 0 0 0 rg BT 106.65 742.25 Td (e Benefit Payments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.29 742.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (The Company expects to pay the following estimated benefit payments in future years:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 689.75 205.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 689.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 689.75 25.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 689.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 689.75 25.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 689.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 689.75 25.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 689.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 659.75 205.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 659.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 659.75 25.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 659.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 659.75 25.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 659.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 659.75 25.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 659.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 629.75 205.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 629.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 629.75 25.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 629.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 629.75 25.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 629.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 629.75 25.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 629.75 65.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 704.75 m 306.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 704.75 m 331.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 704.75 m 396.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 704.75 m 421.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 704.75 m 486.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 704.75 m 511.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 704.75 m 576.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 689.75 m 241.5 689.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 689.75 m 306.5 689.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 689.75 m 331.5 689.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 689.75 m 396.5 689.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 689.75 m 421.5 689.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 689.75 m 486.5 689.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 689.75 m 511.5 689.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 689.75 m 576.5 689.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 599.75 m 241.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 599.75 m 306.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 599.75 m 331.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 599.75 m 396.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 599.75 m 421.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 599.75 m 486.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 599.75 m 511.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 599.75 m 576.5 599.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 709.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.10 709.20 Td (Pensionplans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.15 709.20 Td (Postretirementbenefitplans) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 694.00 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.10 694.20 Td (U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 334.60 694.20 Td (Non-U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.10 694.20 Td (U.S.plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.60 694.20 Td (Non-U.S.plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 679.21 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 679.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.50 679.21 Td (903) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 679.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 679.21 Td (377) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.00 679.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 679.21 Td (71) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 679.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 679.21 Td (63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 664.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.50 664.21 Td (818) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 664.21 Td (337) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 664.21 Td (70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 664.21 Td (67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 649.21 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.50 649.21 Td (828) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 649.21 Td (359) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 649.21 Td (68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 649.21 Td (72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 634.21 Td (2019) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.50 634.21 Td (848) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 634.21 Td (382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 634.21 Td (67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 634.21 Td (77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 619.21 Td (2020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.50 619.21 Td (876) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 619.21 Td (415) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 619.21 Td (65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 619.21 Td (83) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 604.21 Td (20212025) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.75 604.21 Td (4,523) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 604.21 Td (2,467) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 604.21 Td (303) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 604.21 Td (523) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 576.25 Td (Pr) Tj ET Q q 0 0 0 rg BT 46.37 576.25 Td (escription Drugs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 564.25 Td (In December2003, the Medicare Prescription Drug ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 552.25 Td (Improvement and Modernization ) Tj ET Q q 0 0 0 rg BT 170.13 552.25 Td (Act of 2003 \(Act of 2003\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 540.25 Td (was enacted. ) Tj ET Q q 0 0 0 rg BT 89.40 540.25 Td (The ) Tj ET Q q 0 0 0 rg BT 106.90 540.25 Td (Act of 2003 established a prescription drug ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 528.25 Td (benefit under Medicare known as Medicare PartD, and a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 516.25 Td (federal subsidy to sponsors of U.S. retiree health care benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 504.25 Td (plans that provide a benefit that is at least actuarially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 492.25 Td (equivalent to Medicare PartD. ) Tj ET Q q 0 0 0 rg BT 161.33 492.25 Td (The benefits provided to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 480.25 Td (certain participants are at least actuarially equivalent to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 468.25 Td (Medicare PartD and, accordingly) Tj ET Q q 0 0 0 rg BT 170.58 468.25 Td (, the Company is entitled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 456.25 Td (to a subsidy) Tj ET Q q 0 0 0 rg BT 83.13 456.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 444.25 Td (The subsidy reduced the accumulated postretirement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 432.25 Td (benefit obligation \(APBO\) by approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.91 432.25 Td ($5 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.30 432.25 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 420.25 Td (December 31, 2015 and 2014 and the postretirement expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 408.25 Td (by approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.76 408.25 Td ($0.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.65 408.25 Td ( for 2015 and 2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 396.25 Td (The following table shows the estimated future benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 384.25 Td (payments for the Medicare Part D of the U.S. postretirement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 372.25 Td (plan. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 285.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 105.50 285.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 285.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 285.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 257.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 105.50 257.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 257.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 257.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 229.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 105.50 229.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 229.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 229.75 61.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 327.75 m 105.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 105.5 327.75 m 166.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 327.75 m 227.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 327.75 m 288.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 201.75 m 105.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 105.5 201.75 m 166.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 201.75 m 227.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 201.75 m 288.5 201.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 340.00 Td (Inmillionsof) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 332.00 Td (dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.60 341.20 Td (ExpectedU.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 134.15 332.20 Td (postr) Tj ET Q q 0 0 0 rg BT 153.99 332.20 Td (etir) Tj ET Q q 0 0 0 rg BT 167.31 332.20 Td (ementbenefitpayments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 137.65 317.20 Td (Before) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 126.65 308.20 Td (Medicare) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 137.25 299.20 Td (Part D) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.95 290.20 Td (subsidy) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.65 308.20 Td (Medicare) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.25 299.20 Td (Part D) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.95 290.20 Td (subsidy) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.65 317.20 Td (After) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.65 308.20 Td (Medicare) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 259.25 299.20 Td (Part D) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.95 290.20 Td (subsidy) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 276.21 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 108.00 276.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 154.00 276.21 Td (71) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 169.00 276.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.00 276.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 276.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 276.21 Td (71) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 262.21 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 154.00 262.21 Td (70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.00 262.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 262.21 Td (70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 248.21 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 154.00 248.21 Td (68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.00 248.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 248.21 Td (68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 234.21 Td (2019) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 154.00 234.21 Td (67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.00 234.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 234.21 Td (67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 220.21 Td (2020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 154.00 220.21 Td (65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.00 220.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 220.21 Td (65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 206.21 Td (20212025) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 149.50 206.21 Td (303) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 219.50 206.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 206.21 Td (301) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 178.25 Td (Certain provisions of the Patient Protection and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.25 Td (Af) Tj ET Q q 0 0 0 rg BT 46.37 166.25 Td (fordable Care ) Tj ET Q q 0 0 0 rg BT 103.01 166.25 Td (Act of 2010 improved the Medicare PartD ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.25 Td (option known as the Employer Group ) Tj ET Q q 0 0 0 rg BT 189.13 154.25 Td (W) Tj ET Q q 0 0 0 rg BT 197.77 154.25 Td (aiver Plan \(EGWP\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.25 Td (with respect to the Medicare PartD subsidy) Tj ET Q q 0 0 0 rg BT 210.58 142.25 Td (. ) Tj ET Q q 0 0 0 rg BT 215.40 142.25 Td (The EGWP) Tj ET Q q 0 0 0 rg BT 261.41 142.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.25 Td (provides prescription drug benefits that are more cost ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.25 Td (ef) Tj ET Q q 0 0 0 rg BT 43.59 118.25 Td (fective for Medicare-eligible participants and lar) Tj ET Q q 0 0 0 rg BT 237.48 118.25 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.25 Td (employers. Ef) Tj ET Q q 0 0 0 rg BT 91.91 106.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 121.06 106.25 Td (April1, 2013, the Company began ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.25 Td (sponsoring and implementing an EGWP) Tj ET Q q 0 0 0 rg BT 197.27 94.25 Td ( for eligible retirees. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 82.25 Td (The Company subsidy received under the EGWP) Tj ET Q q 0 0 0 rg BT 232.80 82.25 Td ( for 2015 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.25 Td (and 2014 was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.49 70.25 Td ($1) Tj ET Q q 0 0 0 rg BT 103.12 70.25 Td (1.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.01 70.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.45 70.25 Td ($1) Tj ET Q q 0 0 0 rg BT 176.08 70.25 Td (1.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.97 70.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 272.63 70.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 564.25 Td (The other provisions of the ) Tj ET Q q 0 0 0 rg BT 445.26 564.25 Td (Act of 2010 are not expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 552.25 Td (to have a significant impact on Citigroup) Tj ET Q q 0 0 0 rg BT 483.63 552.25 Td (s pension and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 540.25 Td (postretirement plans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 528.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 516.25 Td (Postemployment Plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 504.25 Td (The Company sponsors U.S. postemployment plans that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 492.25 Td (provide income continuation and health and welfare benefits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 480.25 Td (to certain eligible U.S. employees on long-term disability) Tj ET Q q 0 0 0 rg BT 546.02 480.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 468.25 Td (As of December31, 2015 and 2014, the plans) Tj ET Q q 0 0 0 rg BT 520.88 468.25 Td ( funded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 456.25 Td (status recognized in the Company) Tj ET Q q 0 0 0 rg BT 455.30 456.25 Td (s Consolidated Balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 444.25 Td (Sheet was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.77 444.25 Td ($\(183\) million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.82 444.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.26 444.25 Td ($\(256\) million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.31 444.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 547.97 444.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 432.25 Td (The amounts recognized in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 428.07 432.25 Td (Accumulated other ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 420.25 Td (compr) Tj ET Q q 0 0 0 rg BT 342.18 420.25 Td (ehensive income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.70 420.25 Td ( as of December31, 2015 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 408.25 Td (2014 were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.43 408.25 Td ($45 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.82 408.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.26 408.25 Td ($24 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.65 408.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 526.31 408.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 396.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 326.26 396.25 Td (fective January 1, 2014, the Company made changes to its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 384.25 Td (postemployment plans that limit the period for which future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 372.25 Td (disabled employees are eligible for continued Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 360.25 Td (subsidized medical benefits. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 348.25 Td (The following table summarizes the components of net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 336.25 Td (expense recognized in the Consolidated Statement of Income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 324.25 Td (for the Company) Tj ET Q q 0 0 0 rg BT 387.54 324.25 Td (s U.S. postemployment plans.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 289.75 120.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 289.75 31.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 289.75 19.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 289.75 31.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 289.75 19.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 289.75 32.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 262.75 120.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 262.75 31.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 262.75 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 262.75 31.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 262.75 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 262.75 32.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 234.75 120.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 234.75 31.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 234.75 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 234.75 31.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 234.75 19.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 234.75 32.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 206.75 120.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 206.75 31.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 206.75 19.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 206.75 31.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 206.75 19.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 206.75 32.00 -20.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 301.75 m 487.5 301.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 301.75 m 518.5 301.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 301.75 m 537.5 301.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 301.75 m 569.5 301.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 289.75 m 437.5 289.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 301.75 m 468.5 301.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 289.75 m 468.5 289.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 301.75 m 487.5 301.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 289.75 m 487.5 289.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 301.75 m 518.5 301.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 289.75 m 518.5 289.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 301.75 m 537.5 301.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 289.75 m 537.5 289.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 301.75 m 569.5 301.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 289.75 m 569.5 289.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 220.75 m 437.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 220.75 m 468.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 220.75 m 487.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 220.75 m 518.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 220.75 m 537.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 220.75 m 569.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 206.75 m 437.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 220.75 m 468.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 206.75 m 468.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 220.75 m 487.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 206.75 m 487.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 220.75 m 518.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 206.75 m 518.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 220.75 m 537.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 206.75 m 537.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 220.75 m 569.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 206.75 m 569.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 186.75 m 437.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 186.75 m 468.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 186.75 m 487.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 186.75 m 518.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 186.75 m 537.5 186.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 186.75 m 569.5 186.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 172.75 m 437.5 172.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 172.75 m 468.5 172.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 172.75 m 487.5 172.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 172.75 m 518.5 172.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 172.75 m 537.5 172.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 172.75 m 569.5 172.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 305.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.10 305.15 Td (Net expense) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 320.00 293.70 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.50 293.15 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.50 293.01 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.00 293.01 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 281.15 Td (Service related expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.00 281.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 281.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.00 281.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 267.21 Td (Service cost) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.00 267.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 267.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 267.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 267.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 267.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 267.21 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 253.21 Td (Interest cost) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.50 253.20 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.50 253.21 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 253.21 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 239.21 Td (Prior service \(benefit\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 239.20 Td (\(31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.00 239.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 239.21 Td (\(31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 239.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 239.21 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.00 239.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 225.21 Td (Net actuarial loss) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 225.20 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 225.21 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 225.21 Td (17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 211.20 Td (Total service related expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.00 211.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 211.20 Td (\(15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.00 211.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 211.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 211.21 Td (\(12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 211.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 211.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 211.21 Td (44) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 198.15 Td (Non-service related expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 189.20 Td (\(benefit\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.00 191.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.50 191.20 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 191.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 191.21 Td (37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 191.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.00 191.21 Td (\(14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.00 191.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 177.20 Td (Total net \(benefit\) expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.00 177.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 177.20 Td (\(12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.00 177.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 177.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 177.21 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 177.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 177.21 Td (30) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 355 0 obj <> endobj 356 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (175) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 742.10 Td (The following table summarizes certain assumptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (used in determining the postemployment benefit obligations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (and net benefit expenses for the Company) Tj ET Q q 0 0 0 rg BT 207.06 718.10 Td (s U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (postemployment plans.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 682.60 181.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 682.60 36.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 682.60 35.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 653.60 181.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 653.60 36.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 653.60 35.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 613.60 181.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 613.60 36.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 613.60 35.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 682.6 m 217.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 682.6 m 253.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 682.6 m 288.5 682.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 667.6 m 217.5 667.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 667.6 m 253.5 667.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 667.6 m 288.5 667.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 613.6 m 217.5 613.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 598.6 m 217.5 598.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 613.6 m 253.5 613.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 598.6 m 253.5 598.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 613.6 m 288.5 613.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 598.6 m 288.5 598.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 687.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.00 687.00 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.50 686.86 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 672.05 Td (Discount rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.60 672.05 Td (3.70%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.85 672.06 Td (3.45%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 658.05 Td (Health care cost increase rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.50 658.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 643.06 Td (Following year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.60 643.05 Td (7.00%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.85 643.06 Td (7.50%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 627.06 Td (Ultimate rate to which cost increase is assumed) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 618.06 Td (to decline) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.10 618.05 Td (5.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 262.60 618.06 Td (5.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 603.06 Td (Year in which the ultimate rate is reached) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.00 603.05 Td (2020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.50 603.06 Td (2020) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 742.25 Td (Defined Contribution Plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.25 Td (The Company sponsors defined contribution plans in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.25 Td (U.S. and in certain non-U.S. locations, all of which are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.25 Td (administered in accordance with local laws. ) Tj ET Q q 0 0 0 rg BT 494.25 706.25 Td (The most ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.25 Td (significant defined contribution plan sponsored by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.25 Td (Company is the Citi Retirement Savings Plan in the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.25 Td (\(formerly known as the Citigroup 401\(k\)Plan\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 658.25 Td (Under the Citi Retirement SavingsPlan, eligible U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.25 Td (employees received matching contributions of up to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.22 646.25 Td (6%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.55 646.25 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.25 Td (their eligible compensation for 2015 and 2014, subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.25 Td (statutory limits. ) Tj ET Q q 0 0 0 rg BT 381.73 622.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 431.63 622.25 Td (, for eligible employees whose ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.25 Td (eligible compensation is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.70 610.25 Td ($100,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.20 610.25 Td ( or less, a fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.25 Td (contribution of up to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.99 598.25 Td (2%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.32 598.25 Td ( of eligible compensation is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.25 Td (provided. ) Tj ET Q q 0 0 0 rg BT 357.00 586.25 Td (All Company contributions are invested according ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.25 Td (to participants) Tj ET Q q 0 0 0 rg BT 376.52 574.25 Td ( individual elections. ) Tj ET Q q 0 0 0 rg BT 462.43 574.25 Td (The following table ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.25 Td (summarizes the Company contributions to the U.S. and non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.25 Td (U.S. plans.) 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INCOME ) Tj ET Q q 0 0 0 rg BT 90.54 749.25 Td (T) Tj ET Q q 0 0 0 rg BT 96.47 749.25 Td (AXES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (Details of the Company) Tj ET Q q 0 0 0 rg BT 134.04 725.25 Td (s income tax provision are presented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (below: ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (Income T) Tj ET Q q 0 0 0 rg BT 74.80 689.25 Td (ax Provision) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 664.75 147.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 664.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 664.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 664.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 636.75 147.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 636.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 636.75 35.00 -14.00 re f /GS0 gs 0.8 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0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 608.75 m 218.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 594.75 m 218.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 608.75 m 253.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 594.75 m 253.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 608.75 m 288.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 594.75 m 288.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 538.75 m 183.5 538.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 524.75 m 183.5 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 538.75 m 218.5 538.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 524.75 m 218.5 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 538.75 m 253.5 538.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 524.75 m 253.5 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 538.75 m 288.5 538.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 524.75 m 288.5 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 362.75 m 183.5 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 339.75 m 183.5 339.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 362.75 m 218.5 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 339.75 m 218.5 339.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 362.75 m 253.5 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 339.75 m 253.5 339.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 362.75 m 288.5 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 339.75 m 288.5 339.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 669.00 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 191.50 669.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 226.50 669.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.50 669.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 655.20 Td (Current) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.00 655.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 655.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 655.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 641.21 Td (Federal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 641.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.50 641.20 Td (861) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 641.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.50 641.21 Td (181) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 641.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.50 641.21 Td (\(260) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 641.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 627.21 Td (Foreign) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.75 627.20 Td (3,397) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.75 627.21 Td (3,281) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 627.21 Td (3,788) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 613.21 Td (State) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.50 613.20 Td (388) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.50 613.21 Td (388) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 613.21 Td (\(41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 613.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 599.20 Td (Total current income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 599.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.75 599.20 Td (4,646) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 599.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.75 599.21 Td (3,850) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 599.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 599.21 Td (3,487) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 585.20 Td (Deferred) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.00 585.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 585.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 585.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 571.21 Td (Federal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 571.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.75 571.20 Td (3,019) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 571.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.75 571.21 Td (2,510) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 571.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 571.21 Td (2,867) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 557.21 Td (Foreign) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.50 557.20 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 557.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.50 557.21 Td (361) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.50 557.21 Td (\(716) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 557.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 543.21 Td (State) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.50 543.20 Td (\(221) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 543.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.50 543.21 Td (476) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 543.21 Td (548) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 529.20 Td (Total deferred income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 529.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.75 529.20 Td (2,794) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 529.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.75 529.21 Td (3,347) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 529.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 529.21 Td (2,699) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 515.20 Td (Pr) Tj ET Q q 0 0 0 rg BT 48.33 515.20 Td (ovision for) Tj ET Q q 0 0 0 rg BT 88.92 515.20 Td ( income tax on ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 506.20 Td (continuing operations befor) Tj ET Q q 0 0 0 rg BT 145.34 506.20 Td (e non-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 497.20 Td (contr) Tj ET Q q 0 0 0 rg BT 59.33 497.20 Td (olling inter) Tj ET Q q 0 0 0 rg BT 101.42 497.20 Td (ests) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 115.41 501.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 497.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.75 497.20 Td (7,440) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 497.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.75 497.21 Td (7,197) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 497.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 497.21 Td (6,186) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 483.21 Td (Provision \(benefit\) for income taxes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 474.21 Td (on discontinued operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.00 474.20 Td (\(29) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 474.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.00 474.21 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.50 474.21 Td (\(244) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 474.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 460.21 Td (Income tax expense \(benefit\) reported) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 451.21 Td (in stockholders equity related to:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.00 451.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 451.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 451.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 437.21 Td (FX translation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.50 437.20 Td (\(906) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 437.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.00 437.21 Td (65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 437.21 Td (\(48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 437.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 423.21 Td (Investment securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.50 423.20 Td (\(498) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 423.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.75 423.21 Td (1,007) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.75 423.21 Td (\(1,300) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 423.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 409.21 Td (Employee stock plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.00 409.20 Td (\(35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 409.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 409.21 Td (\(87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 409.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 409.21 Td (28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 395.21 Td (Cash flow hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.50 395.20 Td (176) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.50 395.21 Td (207) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 395.21 Td (625) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 381.21 Td (Benefit plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.00 381.20 Td (\(24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 381.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.50 381.21 Td (\(660) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 381.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 381.21 Td (698) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 367.21 Td (Retained earnings) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 109.73 371.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.00 367.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.50 367.21 Td (\(353) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 367.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 367.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 353.20 Td (Income taxes before non-controlling) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 344.20 Td (interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 344.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.75 344.20 Td (6,124) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 344.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.75 344.21 Td (7,388) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 344.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 344.21 Td (5,945) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 322.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 322.65 Td (Includes the ef) Tj ET Q q 0 0 0 rg BT 100.95 322.65 Td (fect of securities transactions and other) Tj ET Q q 0 0 0 rg BT 225.85 322.65 Td (-than-temporary-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 313.05 Td (impairment losses resulting in a provision \(benefit\) of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 228.19 313.05 Td ($239 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 269.30 313.05 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 303.45 Td ($\(93\) million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 96.44 303.45 Td ( in 2015, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 126.66 303.45 Td ($200 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 167.78 303.45 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 183.33 303.45 Td ($\(148\) million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 229.77 303.45 Td ( in 2014 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 271.54 303.45 Td ($262 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 293.85 Td (million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 77.11 293.85 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 92.66 293.85 Td ($\(187\) million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 139.11 293.85 Td ( in 2013, respectively) Tj ET Q q 0 0 0 rg BT 207.46 293.85 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 284.25 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 284.25 Td (See Consolidated Statement of Changes in Stockholders) Tj ET Q q 0 0 0 rg BT 239.59 284.25 Td ( Equity ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 274.65 Td (above. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.65 Td () Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (T) Tj ET Q q 0 0 0 rg BT 329.19 749.25 Td (ax Rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (The reconciliation of the federal statutory income tax rate to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (the Company) Tj ET Q q 0 0 0 rg BT 380.38 725.25 Td (s ef) Tj ET Q q 0 0 0 rg BT 394.36 725.25 Td (fective income tax rate applicable to income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (from continuing operations \(before non-controlling interests ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (and the cumulative ef) Tj ET Q q 0 0 0 rg BT 410.17 701.25 Td (fect of accounting changes\) for each of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (the periods indicated is as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 664.75 147.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 664.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 664.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 664.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 627.75 147.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 627.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 627.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 627.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 599.75 147.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 599.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 599.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 599.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 563.75 147.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 563.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 563.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 563.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 535.75 147.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 535.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 535.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 535.75 35.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 664.75 m 471.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 664.75 m 506.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 664.75 m 541.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 541.5 664.75 m 576.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 664.75 m 506.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 664.75 m 541.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 541.5 664.75 m 576.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 521.75 m 471.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 507.75 m 471.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 521.75 m 506.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 507.75 m 506.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 521.75 m 541.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 507.75 m 541.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 541.5 521.75 m 576.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 541.5 507.75 m 576.5 507.75 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 327.00 667.47 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 669.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 669.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.50 669.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 655.20 Td (Federal statutory rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 655.20 Td (35.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 655.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.75 655.21 Td (35.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.50 655.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 655.21 Td (35.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 655.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 641.21 Td (State income taxes, net of federal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 632.21 Td (benefit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.75 632.20 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.25 632.21 Td (3.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 632.21 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 618.21 Td (Foreign income tax rate differential) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.75 618.20 Td (\(4.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 618.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.25 618.21 Td (\(0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.50 618.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.25 618.21 Td (\(2.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 618.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 604.21 Td (Audit settlements) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 390.24 608.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.75 604.20 Td (\(1.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 604.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.25 604.21 Td (\(2.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.50 604.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.25 604.21 Td (\(0.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 604.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 590.21 Td (Ef) Tj ET Q q 0 0 0 rg BT 335.33 590.21 Td (fect of tax law changes) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 418.29 594.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.75 590.20 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.25 590.21 Td (1.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.25 590.21 Td (\(0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 590.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 577.01 Td (Nondeductible legal and related) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 568.01 Td (expenses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.75 568.20 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.75 568.21 Td (18.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 568.21 Td (0.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 554.21 Td (Basis difference in affiliates) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.00 554.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.25 554.21 Td (\(2.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.50 554.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 554.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 540.21 Td (Tax advantaged investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.75 540.20 Td (\(1.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 540.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.25 540.21 Td (\(3.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.50 540.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.25 540.21 Td (\(3.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 540.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 526.21 Td (Other, net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.75 526.20 Td (0.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.25 526.21 Td (\(0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.50 526.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 526.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 512.20 Td (Effective income tax rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 512.20 Td (30.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 512.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.75 512.21 Td (49.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.50 512.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 512.21 Td (31.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 512.21 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 490.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 490.65 Td (For 2015, primarily relates to the conclusion of a New ) Tj ET Q q 0 0 0 rg BT 517.44 490.65 Td (Y) Tj ET Q q 0 0 0 rg BT 522.41 490.65 Td (ork City tax ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 481.05 Td (audit for 2009-201) Tj ET Q q 0 0 0 rg BT 401.69 481.05 Td (1. For 2014, relates to the conclusion of the audit of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 471.45 Td (various issues in the Company) Tj ET Q q 0 0 0 rg BT 441.99 471.45 Td (s 2009-201) Tj ET Q q 0 0 0 rg BT 477.47 471.45 Td (1 U.S. federal tax audit and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 461.85 Td (the conclusion of a New ) Tj ET Q q 0 0 0 rg BT 421.46 461.85 Td (Y) Tj ET Q q 0 0 0 rg BT 426.43 461.85 Td (ork State tax audit for 2006-2008. For 2013, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 452.25 Td (relates to the settlement of U.S. federal issues for 2003-2005 and IRS ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 442.65 Td (appeals.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 433.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 433.05 Td (For 2015, includes the results of tax reforms enacted in New ) Tj ET Q q 0 0 0 rg BT 537.21 433.05 Td (Y) Tj ET Q q 0 0 0 rg BT 542.18 433.05 Td (ork City ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 423.45 Td (and several states, which resulted in a DT) Tj ET Q q 0 0 0 rg BT 474.65 423.45 Td (A) Tj ET Q q 0 0 0 rg BT 479.98 423.45 Td ( char) Tj ET Q q 0 0 0 rg BT 495.61 423.45 Td (ge of approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 413.85 Td ($101 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 383.11 413.85 Td (. For 2014, includes the results of tax reforms enacted in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 404.25 Td (New ) Tj ET Q q 0 0 0 rg BT 358.81 404.25 Td (Y) Tj ET Q q 0 0 0 rg BT 363.79 404.25 Td (ork State and South Dakota, which resulted in a DT) Tj ET Q q 0 0 0 rg BT 528.44 404.25 Td (A) Tj ET Q q 0 0 0 rg BT 533.78 404.25 Td ( char) Tj ET Q q 0 0 0 rg BT 549.40 404.25 Td (ge of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 394.65 Td (approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 390.21 394.65 Td ($210 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 431.32 394.65 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 382.65 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 370.65 Td (As set forth in the table above, Citi) Tj ET Q q 0 0 0 rg BT 484.75 370.65 Td (s ef) Tj ET Q q 0 0 0 rg BT 498.73 370.65 Td (fective tax rate for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 358.65 Td (2015 was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.55 358.65 Td (30.0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.38 358.65 Td (. ) Tj ET Q q 0 0 0 rg BT 395.20 358.65 Td (The decline in the ef) Tj ET Q q 0 0 0 rg BT 477.20 358.65 Td (fective tax rate from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 346.65 Td (2014 was primarily due to a lower level of non-deductible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 334.65 Td (legal and related expenses in 2015.) Tj ET Q endstream endobj 359 0 obj <> endobj 360 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (177) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Deferred Income T) Tj ET Q q 0 0 0 rg BT 113.95 749.25 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Deferred income taxes at December31 related to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (following:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 700.75 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 700.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 700.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 672.75 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 672.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 672.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 644.75 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 644.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 644.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 616.75 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 616.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 616.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 588.75 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 588.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 588.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 560.75 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 560.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 560.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 532.75 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 532.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 532.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 504.75 182.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 504.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 504.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 467.75 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 467.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 467.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 439.75 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 439.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 439.75 35.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 700.75 m 218.5 700.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 700.75 m 253.5 700.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 700.75 m 288.5 700.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 700.75 m 253.5 700.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 700.75 m 288.5 700.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 560.75 m 218.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 546.75 m 218.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 560.75 m 253.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 546.75 m 253.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 560.75 m 288.5 560.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 546.75 m 288.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 532.75 m 218.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 518.75 m 218.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 532.75 m 253.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 518.75 m 253.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 532.75 m 288.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 518.75 m 288.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 439.75 m 218.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 425.75 m 218.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 439.75 m 253.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 425.75 m 253.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 439.75 m 288.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 425.75 m 288.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 411.75 m 218.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 411.75 m 253.5 411.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 425.75 m 288.5 425.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 411.75 m 288.5 411.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 705.00 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.50 705.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.50 705.21 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 691.20 Td (Deferred tax assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 691.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 691.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 677.21 Td (Credit loss deduction) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.00 677.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.75 677.20 Td (6,058) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 677.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 677.21 Td (7,010) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 663.21 Td (Deferred compensation and employee benefits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.75 663.20 Td (4,110) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 663.21 Td (4,676) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 649.21 Td (Repositioning and settlement reserves) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.75 649.20 Td (1,429) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 649.21 Td (1,599) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 635.21 Td (Unremitted foreign earnings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.75 635.20 Td (8,403) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 635.21 Td (6,368) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 621.21 Td (Investment and loan basis differences) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.75 621.20 Td (3,248) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 621.21 Td (4,808) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 607.21 Td (Cash flow hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 236.50 607.20 Td (359) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 607.21 Td (529) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 593.21 Td (Tax credit and net operating loss carry-forwards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 225.25 593.20 Td (23,053) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 593.21 Td (23,395) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 579.21 Td (Fixed assets and leases) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.75 579.20 Td (1,356) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 579.21 Td (2,093) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 565.21 Td (Other deferred tax assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.75 565.20 Td (3,176) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 565.21 Td (2,334) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 551.21 Td (Gross deferred tax assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.00 551.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 225.25 551.20 Td (51,192) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 551.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 551.21 Td (52,812) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 537.21 Td (Valuation allowance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 241.00 537.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.00 537.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 523.20 Td (Deferred tax assets after valuation allowance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.00 523.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 225.25 523.20 Td (51,192) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 523.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 523.21 Td (52,812) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 509.20 Td (Deferred tax liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.00 509.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 509.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 495.21 Td (Deferred policy acquisition costs and value of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 486.21 Td (insurance in force) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.00 486.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 486.20 Td (\(327) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.00 486.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 486.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.50 486.21 Td (\(415) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 486.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 472.21 Td (Intangibles) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.75 472.20 Td (\(1,146) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.00 472.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.75 472.21 Td (\(1,636) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 472.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 458.21 Td (Debt issuances) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 458.20 Td (\(850) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.00 458.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.50 458.21 Td (\(866) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 458.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 444.21 Td (Other deferred tax liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.75 444.20 Td (\(1,020) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.00 444.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.50 444.21 Td (\(559) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 444.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 430.21 Td (Gross deferred tax liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.00 430.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.75 430.20 Td (\(3,343) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.00 430.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 430.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.75 430.21 Td (\(3,476) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 430.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 416.20 Td (Net deferred tax assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.00 416.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 225.25 416.20 Td (47,849) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 416.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 416.21 Td (49,336) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Unrecognized T) Tj ET Q q 0 0 0 rg BT 388.91 749.25 Td (ax Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (The following is a rollforward of the Company) Tj ET Q q 0 0 0 rg BT 514.79 737.25 Td (s unrecognized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (tax benefits.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 701.75 147.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 701.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 701.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 701.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 655.75 147.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 655.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 655.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 655.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 609.75 147.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 609.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 609.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 609.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 563.75 147.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 563.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 563.75 35.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 541.50 563.75 35.00 -23.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 701.75 m 471.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 701.75 m 506.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 701.75 m 541.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 541.5 701.75 m 576.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 701.75 m 506.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 701.75 m 541.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 541.5 701.75 m 576.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 540.75 m 471.5 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 517.75 m 471.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 540.75 m 506.5 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 517.75 m 506.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 540.75 m 541.5 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 517.75 m 541.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 541.5 540.75 m 576.5 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 541.5 517.75 m 576.5 517.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 327.00 706.00 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 706.15 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 706.01 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.50 706.01 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 692.20 Td (Total unrecognized tax benefits at) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 683.20 Td (January1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.00 683.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.75 683.20 Td (1,060) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 683.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.75 683.21 Td (1,574) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.00 683.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 683.21 Td (3,109) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 669.21 Td (Net amount of increases for current) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 660.21 Td (years tax positions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 660.20 Td (32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 660.21 Td (135) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 660.21 Td (58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 646.21 Td (Gross amount of increases for prior) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 637.21 Td (years tax positions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.50 637.20 Td (311) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 637.21 Td (175) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 637.21 Td (251) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 623.21 Td (Gross amount of decreases for prior) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 614.21 Td (years tax positions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 614.20 Td (\(61) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 614.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.50 614.21 Td (\(772) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 614.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 614.21 Td (\(716) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 614.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 600.21 Td (Amounts of decreases relating to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 591.21 Td (settlements) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 591.20 Td (\(45) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 591.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 591.21 Td (\(28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 591.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 591.21 Td (\(1,115) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 591.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 577.21 Td (Reductions due to lapse of statutes of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 568.21 Td (limitation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 568.20 Td (\(22) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 568.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 568.21 Td (\(30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 568.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 568.21 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 568.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 554.21 Td (Foreign exchange, acquisitions and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 545.21 Td (dispositions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 545.20 Td (\(40) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 545.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.50 545.21 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 545.21 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 531.20 Td (Total unrecognized tax benefits at) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 522.20 Td (December31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.00 522.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.75 522.20 Td (1,235) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 522.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.75 522.21 Td (1,060) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.00 522.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 522.21 Td (1,574) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 494.25 Td (The total amounts of unrecognized tax benefits at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 482.25 Td (December 31, 2015, 2014 and 2013 that, if recognized, would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 470.25 Td (af) Tj ET Q q 0 0 0 rg BT 331.59 470.25 Td (fect Citi) Tj ET Q q 0 0 0 rg BT 366.86 470.25 Td (s ef) Tj ET Q q 0 0 0 rg BT 380.84 470.25 Td (fective tax rate, are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.95 470.25 Td ($0.9 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.06 470.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.06 470.25 Td ($0.8 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.17 470.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 458.25 Td ($0.8 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.11 458.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 422.77 458.25 Td (. ) Tj ET Q q 0 0 0 rg BT 427.59 458.25 Td (The remaining uncertain tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 446.25 Td (positions have of) Tj ET Q q 0 0 0 rg BT 392.14 446.25 Td (fsetting amounts in other jurisdictions or are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 434.25 Td (temporary dif) Tj ET Q q 0 0 0 rg BT 378.52 434.25 Td (ferences, except for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.58 434.25 Td ($0.4 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.69 434.25 Td ( at December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 422.25 Td (2013, which was recognized in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 450.63 422.25 Td (Retained earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.67 422.25 Td ( in 2014. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 410.25 Td (Interest and penalties \(not included in unrecognized tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 398.25 Td (benefits above\) are a component of the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 486.43 398.25 Td (Pr) Tj ET Q q 0 0 0 rg BT 496.06 398.25 Td (ovision for income ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 386.25 Td (taxes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.55 386.25 Td (.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 349.75 304.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 349.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 349.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 349.75 32.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 349.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 349.75 32.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 349.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 321.75 304.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 321.75 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 321.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 321.75 32.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 321.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 321.75 32.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 321.75 45.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 362.75 m 375.5 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 362.75 m 422.5 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 362.75 m 454.5 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 362.75 m 499.5 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 362.75 m 531.5 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 362.75 m 576.5 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 349.75 m 340.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 349.75 m 375.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 362.75 m 422.5 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 349.75 m 422.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 349.75 m 454.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 362.75 m 499.5 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 349.75 m 499.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 349.75 m 531.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 362.75 m 576.5 362.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 349.75 m 576.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 349.75 m 375.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 349.75 m 422.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 349.75 m 454.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 349.75 m 499.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 349.75 m 531.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 349.75 m 576.5 349.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 307.75 m 340.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 307.75 m 375.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 307.75 m 422.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 307.75 m 454.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 307.75 m 499.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 307.75 m 531.5 307.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 307.75 m 576.5 307.75 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 39.00 365.47 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.00 367.15 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 367.01 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.50 367.01 Td (2013) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 354.00 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.80 354.15 Td (Pretax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.75 354.15 Td (Netof tax) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.50 354.01 Td (Pretax) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.50 354.01 Td (Netoftax) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.50 354.01 Td (Pretax) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.50 354.01 Td (Netoftax) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 340.21 Td (Total interest and penalties in the Consolidated Balance Sheet at January1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.00 340.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 340.20 Td (269) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 340.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.50 340.20 Td (169) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 340.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 340.21 Td (277) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 340.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.50 340.21 Td (173) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 340.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 340.21 Td (492) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 340.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 340.21 Td (315) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 326.21 Td (Total interest and penalties in the Consolidated Statement of Income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.00 326.20 Td (\(29) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.00 326.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 326.20 Td (\(18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.00 326.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 443.50 326.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 326.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 326.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 326.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.50 326.21 Td (\(108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.00 326.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 326.21 Td (\(72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 326.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 312.21 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 312.21 Td (otal interest and penalties in the Consolidated Balance Sheet at December31) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 320.53 316.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 312.20 Td (233) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.50 312.20 Td (146) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 312.21 Td (269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.50 312.21 Td (169) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 312.21 Td (277) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 312.21 Td (173) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 290.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 290.65 Td (Includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.10 290.65 Td ($3 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 116.21 290.65 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 120.21 290.65 Td ($2 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 153.33 290.65 Td (, and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 170.88 290.65 Td ($2 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 203.99 290.65 Td ( for foreign penalties in 2015, 2014 and 2013, respectively) Tj ET Q q 0 0 0 rg BT 390.76 290.65 Td (. ) Tj ET Q q 0 0 0 rg BT 396.32 290.65 Td (Also includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.09 290.65 Td ($3 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.20 290.65 Td ( for state penalties in 2015 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 281.05 Td (2014, and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 87.55 281.05 Td ($4 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 120.66 281.05 Td ( in 2013.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 260.05 Td (As of December 31, 2015, Citi is under audit by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 248.05 Td (Internal Revenue Service and other major taxing jurisdictions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 236.05 Td (around the world. It is thus reasonably possible that significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 224.05 Td (changes in the gross balance of unrecognized tax benefits may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 212.05 Td (occur within the next 12 months, although Citi does not expect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 200.05 Td (such audits to result in amounts that would cause a significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 188.05 Td (change to its ef) Tj ET Q q 0 0 0 rg BT 96.63 188.05 Td (fective tax rate, other than as discussed below) Tj ET Q q 0 0 0 rg BT 279.25 188.05 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 176.05 Td ( Citi expects to conclude its IRS audit for the 2012-2013 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 164.05 Td (cycle within the next 12 months. ) Tj ET Q q 0 0 0 rg BT 168.85 164.05 Td (The gross uncertain tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 152.05 Td (positions at December 31, 2015 for the items that may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 140.05 Td (resolved are as much as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.46 140.05 Td ($97 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.85 140.05 Td (. Because of the number ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 128.05 Td (and nature of the issues remaining to be resolved, the potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 116.05 Td (tax benefit to continuing operations could be anywhere in a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 104.05 Td (range between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.52 104.05 Td ($0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.52 104.05 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.96 104.05 Td ($94 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.35 104.05 Td (. In addition, Citi may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 92.05 Td (conclude certain state and local tax audits within the next 12 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 80.05 Td (months. ) Tj ET Q q 0 0 0 rg BT 70.27 80.05 Td (The gross uncertain tax positions at December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 68.05 Td (2015 are as much as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.58 68.05 Td ($222 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.98 68.05 Td (. In addition there is gross ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 56.05 Td (interest of as much as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.14 56.05 Td ($16 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.53 56.05 Td (. ) Tj ET Q q 0 0 0 rg BT 176.35 56.05 Td (The potential tax benefit to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 260.05 Td (continuing operations could be anywhere between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.27 260.05 Td ($0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.27 260.05 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 248.05 Td ($155 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.39 248.05 Td (, including interest. Furthermore, Citi may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 236.05 Td (conclude certain foreign audits within the next 12 months. ) Tj ET Q q 0 0 0 rg BT 559.32 236.05 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 224.05 Td (gross uncertain positions at December 31, 2015 are as much as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 212.05 Td ($1) Tj ET Q q 0 0 0 rg BT 333.63 212.05 Td (19 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.02 212.05 Td (. In addition there is gross interest of as much as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 200.05 Td ($18 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.39 200.05 Td (. ) Tj ET Q q 0 0 0 rg BT 375.21 200.05 Td (The potential tax benefit to continuing operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 188.05 Td (could be anywhere between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.84 188.05 Td ($0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.84 188.05 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.28 188.05 Td ($22 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.67 188.05 Td (, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 176.05 Td (interest. ) Tj ET Q q 0 0 0 rg BT 358.25 176.05 Td (The potential tax benefit to discontinued operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 164.05 Td (could be anywhere between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.84 164.05 Td ($0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.84 164.05 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.28 164.05 Td ($76 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.67 164.05 Td (, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 152.05 Td (interest. ) Tj ET Q endstream endobj 361 0 obj <> endobj 362 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (178) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (The following are the major tax jurisdictions in which the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (Company and its af) Tj ET Q q 0 0 0 rg BT 113.86 737.10 Td (filiates operate and the earliest tax year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (subject to examination:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 701.60 205.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 701.60 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 675.60 205.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 675.60 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 649.60 205.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 649.60 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 623.60 205.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 623.60 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 597.60 205.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 597.60 47.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 701.6 m 241.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 701.6 m 288.5 701.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 584.6 m 241.5 584.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 584.6 m 288.5 584.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 706.00 Td (Jurisdiction) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 247.85 706.00 Td (Taxyear) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 692.86 Td (United States) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 692.86 Td (2012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 679.86 Td (Mexico) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 679.86 Td (2009) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 666.86 Td (New York State and City) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 666.86 Td (2006) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 653.86 Td (United Kingdom) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 653.86 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 640.86 Td (India) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.30 640.86 Td (2011) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 627.86 Td (Brazil) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.30 627.86 Td (2011) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 614.86 Td (Singapore) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 614.86 Td (2010) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 601.86 Td (Hong Kong) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 601.86 Td (2009) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 588.86 Td (Ireland) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.30 588.86 Td (2011) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 564.10 Td (Foreign Earnings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 552.10 Td (Foreign pretax earnings approximated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.95 552.10 Td ($1) Tj ET Q q 0 0 0 rg BT 200.58 552.10 Td (1.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.69 552.10 Td ( in 2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 540.10 Td ($10.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.11 540.10 Td ( in 2014 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.33 540.10 Td ($13.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.44 540.10 Td ( in 2013. ) Tj ET Q q 0 0 0 rg BT 227.67 540.10 Td (As a U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 528.10 Td (corporation, Citigroup and its U.S. subsidiaries are currently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 516.10 Td (subject to U.S. taxation on all foreign pretax earnings earned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 504.10 Td (by a foreign branch. Pretax earnings of a foreign subsidiary or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 492.10 Td (af) Tj ET Q q 0 0 0 rg BT 43.59 492.10 Td (filiate are subject to U.S. taxation when ef) Tj ET Q q 0 0 0 rg BT 211.96 492.10 Td (fectively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 480.10 Td (repatriated. ) Tj ET Q q 0 0 0 rg BT 86.07 480.10 Td (The Company provides income taxes on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 468.10 Td (undistributed earnings of non-U.S. subsidiaries except to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 456.10 Td (extent that such earnings are indefinitely reinvested outside ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 444.10 Td (the United States. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 432.10 Td (At December 31, 2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.08 432.10 Td ($45.2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.20 432.10 Td ( of accumulated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 420.10 Td (undistributed earnings of non-U.S. subsidiaries was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 408.10 Td (indefinitely invested. ) Tj ET Q q 0 0 0 rg BT 124.87 408.10 Td (At the existing U.S. federal income tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 396.10 Td (rate, additional taxes \(net of U.S. foreign tax credits\) of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.09 396.10 Td ($12.7 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 384.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.11 384.10 Td ( would have to be provided if such earnings were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 372.10 Td (remitted currently) Tj ET Q q 0 0 0 rg BT 107.26 372.10 Td (. ) Tj ET Q q 0 0 0 rg BT 114.58 372.10 Td (The current year) Tj ET Q q 0 0 0 rg BT 181.02 372.10 Td () Tj ET Q q 0 0 0 rg BT 183.80 372.10 Td (s ef) Tj ET Q q 0 0 0 rg BT 197.78 372.10 Td (fect on the income tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 360.10 Td (expense from continuing operations is included in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 348.10 Td (Foreign income tax rate dif) Tj ET Q q 0 0 0 rg BT 149.11 348.10 Td (ferential line in the reconciliation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 336.10 Td (of the federal statutory rate to the Company) Tj ET Q q 0 0 0 rg BT 213.44 336.10 Td (s ef) Tj ET Q q 0 0 0 rg BT 227.42 336.10 Td (fective income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 324.10 Td (tax rate in the table above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 312.10 Td (Income taxes are not provided for the Company) Tj ET Q q 0 0 0 rg BT 248.11 312.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 300.10 Td (savings bank base year bad debt reserves that arose before ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 288.10 Td (1988, because under current U.S. tax rules, such taxes will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 276.10 Td (become payable only to the extent such amounts are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 264.10 Td (distributed in excess of limits prescribed by federal law) Tj ET Q q 0 0 0 rg BT 256.95 264.10 Td (. ) Tj ET Q q 0 0 0 rg BT 263.90 264.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 252.10 Td (December 31, 2015, the amount of the base year reserves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 240.10 Td (totaled approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.97 240.10 Td ($358 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.36 240.10 Td ( \(subject to a tax of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.78 240.10 Td ($125 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 228.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.89 228.10 Td (\).) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Deferred T) Tj ET Q q 0 0 0 rg BT 368.34 749.25 Td (ax ) Tj ET Q q 0 0 0 rg BT 380.47 749.25 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (As of December 31, 2015 and 2014, Citi had no valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (allowance on its DT) Tj ET Q q 0 0 0 rg BT 404.01 725.25 Td (As. ) Tj ET Q q 0 0 0 rg BT 419.94 725.25 Td (The following table summarizes Citi) Tj ET Q q 0 0 0 rg BT 569.36 725.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (DT) Tj ET Q q 0 0 0 rg BT 336.53 713.25 Td (As. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 657.75 128.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 657.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 657.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 629.75 128.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 629.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 629.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 601.75 128.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 601.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 601.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 587.75 128.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 587.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 587.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 559.75 128.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 559.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 559.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 531.75 128.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 531.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 531.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 503.75 128.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 503.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 503.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 475.75 128.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 475.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 475.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 447.75 128.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 447.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 447.75 62.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 689.75 m 452.5 689.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 689.75 m 514.5 689.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 689.75 m 576.5 689.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 657.75 m 452.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 657.75 m 514.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 657.75 m 576.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 657.75 m 514.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 657.75 m 576.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 587.75 m 452.5 587.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 573.75 m 452.5 573.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 587.75 m 514.5 587.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 573.75 m 514.5 573.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 587.75 m 576.5 587.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 573.75 m 576.5 573.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 517.75 m 452.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 503.75 m 452.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 517.75 m 514.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 503.75 m 514.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 517.75 m 576.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 503.75 m 576.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 447.75 m 452.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 447.75 m 514.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 447.75 m 576.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 433.75 m 452.5 433.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 419.75 m 452.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 433.75 m 514.5 433.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 419.75 m 514.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 433.75 m 576.5 433.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 419.75 m 576.5 419.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 327.00 694.00 Td (Inbillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 662.20 Td (Jurisdiction/component) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.20 680.20 Td (DTAs balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.80 671.20 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.00 662.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.45 680.21 Td (DTAs balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.75 671.21 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.00 662.21 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 648.20 Td (U.S. federal) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 372.24 652.28 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.00 648.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 648.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 634.21 Td (Net operating losses \(NOLs\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 430.23 638.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.00 634.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.75 634.20 Td (3.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 634.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 634.21 Td (2.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 620.21 Td (Foreign tax credits \(FTCs\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 422.73 624.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.25 620.20 Td (15.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 620.21 Td (17.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 606.21 Td (General business credits \(GBCs\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.75 606.20 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 606.21 Td (1.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 592.21 Td (Future tax deductions and credits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.25 592.20 Td (20.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 592.21 Td (21.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 578.20 Td (Total U.S. federal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.00 578.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.25 578.20 Td (41.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 578.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 578.21 Td (42.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 564.20 Td (State and local) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.00 564.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 564.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 550.21 Td (New York NOLs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.00 550.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.75 550.20 Td (2.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 550.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 550.21 Td (1.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 536.21 Td (Other state NOLs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.75 536.20 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 536.21 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 522.21 Td (Future tax deductions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.75 522.20 Td (1.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 522.21 Td (2.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 508.20 Td (Total state and local) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.00 508.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.75 508.20 Td (3.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 508.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 508.21 Td (3.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 494.20 Td (Foreign) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.00 494.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 494.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 480.21 Td (APB 23 subsidiary NOLs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.00 480.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.75 480.20 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 480.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 480.21 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 466.21 Td (Non-APB 23 subsidiary NOLs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.75 466.20 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 466.21 Td (0.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 452.21 Td (Future tax deductions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.75 452.20 Td (2.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 452.21 Td (2.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 438.20 Td (Total foreign) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.00 438.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.75 438.20 Td (2.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 438.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 438.21 Td (2.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 424.20 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.00 424.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.25 424.20 Td (47.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 424.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 424.21 Td (49.3) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 410.65 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 401.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 401.05 Td (Included in the net U.S. federal DT) Tj ET Q q 0 0 0 rg BT 454.21 401.05 Td (As of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.77 401.05 Td ($41.3 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.66 401.05 Td ( as of December ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 391.45 Td (31, 2015 were deferred tax liabilities of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 470.40 391.45 Td ($2 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.29 391.45 Td ( that will reverse in the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 381.85 Td (relevant carry-forward period and may be used to support the DT) Tj ET Q q 0 0 0 rg BT 550.17 381.85 Td (As.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 372.25 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 372.25 Td (Includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.10 372.25 Td ($0.5 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.99 372.25 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 423.54 372.25 Td ($0.6 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.43 372.25 Td ( for 2015 and 2014, respectively) Tj ET Q q 0 0 0 rg BT 563.44 372.25 Td (, of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 362.65 Td (NOL) Tj ET Q q 0 0 0 rg BT 358.14 362.65 Td ( carry-forwards related to non-consolidated tax return companies ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 353.05 Td (that are expected to be utilized separately from Citigroup) Tj ET Q q 0 0 0 rg BT 526.82 353.05 Td (s consolidated ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 343.45 Td (tax return, and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 390.43 343.45 Td ($2.9 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.32 343.45 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.87 343.45 Td ($1.7 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.76 343.45 Td ( of non-consolidated tax ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 333.85 Td (return NOL) Tj ET Q q 0 0 0 rg BT 379.25 333.85 Td ( carry-forwards for 2015 and 2014, respectively) Tj ET Q q 0 0 0 rg BT 531.78 333.85 Td (, that are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 324.25 Td (eventually expected to be utilized in Citigroup) Tj ET Q q 0 0 0 rg BT 492.63 324.25 Td (s consolidated tax return.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 314.65 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 314.65 Td (Includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.10 314.65 Td ($1.7 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.99 314.65 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 423.54 314.65 Td ($1.0 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.43 314.65 Td ( for 2015 and 2014, respectively) Tj ET Q q 0 0 0 rg BT 563.44 314.65 Td (, of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 305.05 Td (non-consolidated tax return FTC carry-forwards that are eventually ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 295.45 Td (expected to be utilized in Citigroup) Tj ET Q q 0 0 0 rg BT 457.30 295.45 Td (s consolidated tax return. ) Tj ET Q endstream endobj 363 0 obj <> endobj 364 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (179) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (The following table summarizes the amounts of tax carry-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (forwards and their expiration dates:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 694.60 154.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 694.60 49.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 694.60 49.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 662.60 154.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 662.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 662.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 638.60 154.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 638.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 638.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 614.60 154.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 614.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 614.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 590.60 154.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 590.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 590.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 557.60 154.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 557.60 49.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 557.60 49.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 525.60 154.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 525.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 525.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 501.60 154.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 501.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 501.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 477.60 154.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 477.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 477.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 445.60 154.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 445.60 49.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 445.60 49.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 413.60 154.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 413.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 413.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 389.60 154.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 389.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 389.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 365.60 154.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 365.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 365.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 341.60 154.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 341.60 49.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 341.60 49.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 308.60 154.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 308.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 308.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 275.60 154.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 275.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 275.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 251.60 154.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 251.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 251.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 227.60 154.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 227.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 227.60 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 194.60 154.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 194.60 49.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 194.60 49.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 162.60 154.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 162.60 49.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 162.60 49.00 -20.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 714.6 m 189.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 189.5 714.6 m 238.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 714.6 m 287.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 694.6 m 189.5 694.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 189.5 694.6 m 238.5 694.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 694.6 m 287.5 694.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 189.5 578.6 m 238.5 578.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 578.6 m 287.5 578.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 578.6 m 189.5 578.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 557.6 m 189.5 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 189.5 578.6 m 238.5 578.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 189.5 557.6 m 238.5 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 578.6 m 287.5 578.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 557.6 m 287.5 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 465.6 m 189.5 465.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 445.6 m 189.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 189.5 465.6 m 238.5 465.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 189.5 445.6 m 238.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 465.6 m 287.5 465.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 445.6 m 287.5 445.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 341.6 m 189.5 341.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 189.5 341.6 m 238.5 341.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 341.6 m 287.5 341.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 341.6 m 189.5 341.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 320.6 m 189.5 320.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 189.5 341.6 m 238.5 341.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 189.5 320.6 m 238.5 320.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 341.6 m 287.5 341.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 320.6 m 287.5 320.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 296.6 m 189.5 296.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 275.6 m 189.5 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 189.5 296.6 m 238.5 296.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 189.5 275.6 m 238.5 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 296.6 m 287.5 296.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 275.6 m 287.5 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 215.60000000000002 m 189.5 215.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 194.60000000000002 m 189.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 189.5 215.60000000000002 m 238.5 215.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 189.5 194.60000000000002 m 238.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 215.60000000000002 m 287.5 215.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 194.60000000000002 m 287.5 194.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 162.60000000000002 m 189.5 162.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 142.60000000000002 m 189.5 142.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 189.5 162.60000000000002 m 238.5 162.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 189.5 142.60000000000002 m 238.5 142.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 162.60000000000002 m 287.5 162.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 142.60000000000002 m 287.5 142.60000000000002 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 718.55 Td (Inbillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 699.05 Td (Yearofexpiration) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.05 706.00 Td (December) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.75 697.05 Td (31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 705.86 Td (December) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.75 696.91 Td (31, 2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 686.00 Td (U.S. tax return foreign tax credit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 677.05 Td (carry-forwards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 235.00 679.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 679.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 665.86 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.00 666.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.00 666.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.00 665.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 665.86 Td (1.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 653.86 Td (2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 654.00 Td (4.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 653.86 Td (5.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 641.86 Td (2019) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 642.00 Td (1.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 641.86 Td (1.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 629.86 Td (2020) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 630.00 Td (3.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 629.86 Td (3.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 617.86 Td (2021) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 618.00 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 617.86 Td (1.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 605.86 Td (2022) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 606.00 Td (3.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 605.86 Td (3.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 593.86 Td (2023) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 56.00 597.94 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 594.00 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 593.86 Td (1.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 581.86 Td (2025) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 56.00 585.94 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 582.00 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 581.86 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 570.00 Td (Total U.S. tax return foreign tax credit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 561.00 Td (carry-forwards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.00 562.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.25 562.05 Td (15.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.00 562.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.25 562.06 Td (17.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 549.00 Td (U.S. tax return general business credit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 540.05 Td (carry-forwards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 235.00 542.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 542.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 528.86 Td (2030) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.00 529.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.00 529.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.00 528.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 528.86 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 516.86 Td (2031) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 517.00 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 516.86 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 504.86 Td (2032) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 505.00 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 504.86 Td (0.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 492.86 Td (2033) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 493.00 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 492.86 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 480.86 Td (2034) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 481.00 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 480.86 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 468.86 Td (2035) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 469.00 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 468.86 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 457.00 Td (Total U.S. tax return general business) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 448.05 Td (credit carry-forwards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.00 450.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 450.05 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.00 450.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 450.06 Td (1.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 437.00 Td (U.S. subsidiary separate federal NOL) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 428.05 Td (carry-forwards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 235.00 430.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 430.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 416.86 Td (2027) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.00 417.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 417.00 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.00 416.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 416.86 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 404.86 Td (2028) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 405.00 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 404.86 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 392.86 Td (2030) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 393.00 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 392.86 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 380.86 Td (2031) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 381.00 Td (1.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 380.86 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 368.86 Td (2033) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 369.00 Td (1.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 368.86 Td (1.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 356.86 Td (2034) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 357.00 Td (2.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 356.86 Td (2.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 344.86 Td (2035) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 345.00 Td (3.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 344.86 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 333.00 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 333.00 Td (otal U.S. subsidiary separate federal ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 324.00 Td (NOL) Tj ET Q q 0 0 0 rg BT 57.01 324.00 Td ( carry-forwards) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 118.23 328.08 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.00 325.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 325.05 Td (9.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.00 325.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 325.06 Td (6.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 312.00 Td (New York State NOL carry-forwards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 235.00 311.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 311.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 299.86 Td (2034) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.00 300.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.25 300.00 Td (14.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.00 299.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.25 299.86 Td (12.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 288.00 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 288.00 Td (otal New ) Tj ET Q q 0 0 0 rg BT 78.83 288.00 Td (Y) Tj ET Q q 0 0 0 rg BT 84.34 288.00 Td (ork State NOL) Tj ET Q q 0 0 0 rg BT 140.84 288.00 Td ( carry-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 279.00 Td (forwards) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 72.99 283.08 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.00 280.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.25 280.05 Td (14.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.00 280.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.25 280.06 Td (12.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 267.00 Td (New York City NOL carry-forwards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 235.00 266.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 266.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 254.86 Td (2028) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.00 255.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.00 255.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.00 254.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 254.86 Td (3.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 242.86 Td (2031) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.00 243.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 242.86 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 230.86 Td (2032) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.00 231.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 230.86 Td (0.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 218.86 Td (2034) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.25 219.00 Td (13.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 218.86 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 207.00 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 207.00 Td (otal New ) Tj ET Q q 0 0 0 rg BT 78.83 207.00 Td (Y) Tj ET Q q 0 0 0 rg BT 84.34 207.00 Td (ork City NOL) Tj ET Q q 0 0 0 rg BT 137.84 207.00 Td ( carry-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 198.00 Td (forwards) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 72.99 202.08 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.00 199.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 219.25 199.05 Td (13.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.00 199.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 199.06 Td (4.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 186.00 Td (APB 23 subsidiary NOL carry-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 177.05 Td (forwards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 235.00 179.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 179.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 165.86 Td (Various) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.00 166.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 166.00 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.00 165.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 165.86 Td (0.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 154.00 Td (Total APB 23 subsidiary NOL carry-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 145.05 Td (forwards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.00 147.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.75 147.05 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.00 147.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.75 147.06 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 123.90 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 123.90 Td (The ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 68.44 123.90 Td ($1.7 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 105.33 123.90 Td ( in FTC carry-forwards that expire in 2023 and 2025 are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 114.30 Td (in a non-consolidated tax return entity but are eventually expected to be ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 104.70 Td (utilized in Citigroup) Tj ET Q q 0 0 0 rg BT 121.11 104.70 Td (s consolidated tax return.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 95.10 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 95.10 Td (Pretax.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (While Citi) Tj ET Q q 0 0 0 rg BT 386.72 749.10 Td (s net total DT) Tj ET Q q 0 0 0 rg BT 440.63 749.10 Td (As decreased year) Tj ET Q q 0 0 0 rg BT 513.16 749.10 Td (-over) Tj ET Q q 0 0 0 rg BT 534.06 749.10 Td (-year) Tj ET Q q 0 0 0 rg BT 554.20 749.10 Td (, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (time remaining for utilization has shortened, given the passage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (of time, particularly with respect to the foreign tax credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (\(FTC\) component of the DT) Tj ET Q q 0 0 0 rg BT 436.51 713.10 Td (As. ) Tj ET Q q 0 0 0 rg BT 454.57 713.10 Td (Although realization is not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (assured, Citi believes that the realization of the recognized net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (DT) Tj ET Q q 0 0 0 rg BT 336.53 689.10 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.97 689.10 Td ($47.8 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.09 689.10 Td ( at December 31, 2015 is more-likely-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (than-not based upon expectations as to future taxable income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (in the jurisdictions in which the DT) Tj ET Q q 0 0 0 rg BT 465.40 665.10 Td (As arise and available tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (planning strategies \(as defined in ) Tj ET Q q 0 0 0 rg BT 458.13 653.10 Td (ASC 740, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 500.08 653.10 Td (Income T) Tj ET Q q 0 0 0 rg BT 536.66 653.10 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 554.42 653.10 Td (\) that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (would be implemented, if necessary) Tj ET Q q 0 0 0 rg BT 467.47 641.10 Td (, to prevent a carry-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (forward from expiring. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 617.10 Td (Citi has concluded that it has the necessary positive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (evidence to support the full realization of its DT) Tj ET Q q 0 0 0 rg BT 515.92 605.10 Td (As. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (Specifically) Tj ET Q q 0 0 0 rg BT 371.11 593.10 Td (, Citi forecasts suf) Tj ET Q q 0 0 0 rg BT 443.69 593.10 Td (ficient U.S. taxable income in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (the carry-forward periods, exclusive of ) Tj ET Q q 0 0 0 rg BT 481.71 581.10 Td (ASC 740 tax planning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (strategies. Citi) Tj ET Q q 0 0 0 rg BT 384.55 569.10 Td (s forecasted taxable income, which will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (continue to be subject to overall market and global economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (conditions, incorporates geographic business forecasts and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (taxable income adjustments to those forecasts \(e.g., U.S. tax-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (exempt income, loan loss reserves deductible for U.S. tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (reporting in subsequent years\), and actions intended to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (optimize its U.S. taxable earnings. In general, Citi would need ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (to generate approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.90 485.10 Td ($59 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.51 485.10 Td ( of U.S. taxable income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (during the FTC carry-forward periods to prevent this most ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (time-sensitive component of Citi) Tj ET Q q 0 0 0 rg BT 458.15 461.10 Td (s FTCs from expiring.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 449.10 Td (In addition to its forecasted U.S. taxable income, Citi has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (tax planning strategies available to it under ) Tj ET Q q 0 0 0 rg BT 498.12 437.10 Td (ASC 740 that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (would be implemented, if necessary) Tj ET Q q 0 0 0 rg BT 467.47 425.10 Td (, to prevent a carry-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (forward from expiring. ) Tj ET Q q 0 0 0 rg BT 418.23 413.10 Td (These strategies include: \(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (repatriating low-taxed foreign source earnings for which an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (assertion that the earnings have been indefinitely reinvested ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (has not been made; \(ii\) accelerating U.S. taxable income into, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (or deferring U.S. tax deductions out of, the latter years of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (carry-forward period \(e.g., selling appreciated assets, electing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (straight-line depreciation\); \(iii\) accelerating deductible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (temporary dif) Tj ET Q q 0 0 0 rg BT 378.52 329.10 Td (ferences outside the U.S.; and \(iv\) selling certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (assets that produce tax-exempt income, while purchasing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (assets that produce fully taxable income. In addition, the sale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (or restructuring of certain businesses can produce significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (U.S. taxable income within the relevant carry-forward periods.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 269.10 Td ( Based upon the foregoing discussion, Citi believes) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 546.97 269.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 549.47 269.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (U.S. federal and New ) Tj ET Q q 0 0 0 rg BT 412.49 257.10 Td (Y) Tj ET Q q 0 0 0 rg BT 418.71 257.10 Td (ork state and city NOL) Tj ET Q q 0 0 0 rg BT 509.98 257.10 Td ( carry-forward ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (period of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.88 245.10 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.88 245.10 Td ( years provides enough time to fully utilize the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (DT) Tj ET Q q 0 0 0 rg BT 336.53 233.10 Td (As pertaining to the existing NOL) Tj ET Q q 0 0 0 rg BT 472.53 233.10 Td ( carry-forwards and any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (NOL) Tj ET Q q 0 0 0 rg BT 344.18 221.10 Td ( that would be created by the reversal of the future net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (deductions that have not yet been taken on a tax return. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 197.10 Td (W) Tj ET Q q 0 0 0 rg BT 351.04 197.10 Td (ith respect to the FTCs component of the DT) Tj ET Q q 0 0 0 rg BT 529.65 197.10 Td (As, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (carry-forward period is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.23 185.10 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.23 185.10 Td ( years. Utilization of FTCs in any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (year is restricted to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.86 173.10 Td (35%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.19 173.10 Td ( of foreign source taxable income in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (that year) Tj ET Q q 0 0 0 rg BT 358.15 161.10 Td (. However) Tj ET Q q 0 0 0 rg BT 399.40 161.10 Td (, overall domestic losses that Citi has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (incurred of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.90 149.10 Td ($54 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.52 149.10 Td ( as of December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (2015 are allowed to be reclassified as foreign source income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (to the extent of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.76 125.10 Td (50%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.09 125.10 Td ( of domestic source income produced in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (subsequent years. Such resulting foreign source income would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (cover the FTCs being carried forward. ) Tj ET Q q 0 0 0 rg BT 479.22 101.10 Td (As noted in the table ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (above, Citi) Tj ET Q q 0 0 0 rg BT 370.66 89.10 Td (s FTC carry-forwards were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.73 89.10 Td ($15.9 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.84 89.10 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (December 31, 2015, compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.79 77.10 Td ($17.6 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.90 77.10 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (December 31, 2014. ) Tj ET Q q 0 0 0 rg BT 409.90 65.10 Td (This decrease represented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.68 65.10 Td ($1.7 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 561.79 65.10 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.72 53.10 Td ($1.5 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.83 53.10 Td ( decrease in Citi) Tj ET Q q 0 0 0 rg BT 452.31 53.10 Td (s overall DT) Tj ET Q q 0 0 0 rg BT 501.49 53.10 Td (As during 2015, ) Tj ET Q endstream endobj 365 0 obj <> endobj 366 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (180) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (partially of) Tj ET Q q 0 0 0 rg BT 79.97 749.10 Td (fset by an increase in ) Tj ET Q q 0 0 0 rg BT 166.33 749.10 Td (AOCI related DT) Tj ET Q q 0 0 0 rg BT 235.50 749.10 Td (As. Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (believes that it will generate suf) Tj ET Q q 0 0 0 rg BT 163.28 737.10 Td (ficient U.S. taxable income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (within the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.77 725.10 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.77 725.10 Td (-year carry-forward period to be able to fully ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (utilize the FTCs, in addition to any FTCs produced in the tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (return for such period, which must be used prior to any carry-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (forward utilization.) Tj ET Q endstream endobj 367 0 obj <> endobj 368 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (181) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (10.EARNINGS PER SHARE) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 729.25 Td (The following is a reconciliation of the income and share data used in the basic and diluted earnings per share \(EPS\) computations:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 682.75 393.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 682.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 682.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 682.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 654.75 393.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 654.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 654.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 654.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 626.75 393.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 626.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 626.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 626.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 598.75 393.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 598.75 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 598.75 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 598.75 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 561.75 393.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 561.75 49.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 561.75 49.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 561.75 49.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 515.75 393.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 515.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 515.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 515.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 487.75 393.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 487.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 487.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 487.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 459.75 393.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 459.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 459.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 459.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 431.75 393.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 431.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 431.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 431.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 403.75 393.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 403.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 403.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 403.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 375.75 393.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 375.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 375.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 375.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 347.75 393.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 347.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 347.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 347.75 49.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 696.75 m 429.5 696.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 696.75 m 478.5 696.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 696.75 m 527.5 696.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 696.75 m 576.5 696.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 668.75 m 429.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 668.75 m 478.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 668.75 m 527.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 668.75 m 576.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 640.75 m 429.5 640.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 640.75 m 478.5 640.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 640.75 m 527.5 640.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 640.75 m 576.5 640.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 612.75 m 429.5 612.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 612.75 m 478.5 612.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 612.75 m 527.5 612.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 612.75 m 576.5 612.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 575.75 m 429.5 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 575.75 m 478.5 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 575.75 m 527.5 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 575.75 m 576.5 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 529.75 m 429.5 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 529.75 m 478.5 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 529.75 m 527.5 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 529.75 m 576.5 529.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 515.75 m 429.5 515.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 515.75 m 478.5 515.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 515.75 m 527.5 515.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 515.75 m 576.5 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 459.75 m 478.5 459.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 459.75 m 527.5 459.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 459.75 m 576.5 459.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 459.75 m 429.5 459.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 445.75 m 429.5 445.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 445.75 m 478.5 445.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 445.75 m 527.5 445.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 445.75 m 576.5 445.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 403.75 m 478.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 403.75 m 527.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 403.75 m 576.5 403.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 403.75 m 429.5 403.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 389.75 m 429.5 389.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 389.75 m 478.5 389.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 389.75 m 527.5 389.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 389.75 m 576.5 389.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 347.75 m 478.5 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 347.75 m 527.5 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 347.75 m 576.5 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 347.75 m 429.5 347.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 333.75 m 429.5 333.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 333.75 m 478.5 333.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 333.75 m 527.5 333.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 333.75 m 576.5 333.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 701.00 Td (In millions, except per-share amounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.50 701.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.50 701.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.50 701.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 687.20 Td (Income from continuing operations before attribution of noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 687.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 687.20 Td (17,386) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 687.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.75 687.21 Td (7,504) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 687.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 687.21 Td (13,616) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 673.21 Td (Less: Noncontrolling interests from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 673.20 Td (90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.50 673.21 Td (192) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 673.21 Td (227) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 659.20 Td (Net income from continuing operations \(for EPS purposes\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 659.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 659.20 Td (17,296) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 659.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.75 659.21 Td (7,312) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 659.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 659.21 Td (13,389) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 645.21 Td (Income \(loss\) from discontinued operations, net of taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.00 645.20 Td (\(54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 645.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.50 645.21 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 645.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 645.21 Td (270) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 631.20 Td (Citigroup's net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 631.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 631.20 Td (17,242) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 631.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.75 631.21 Td (7,310) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 631.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 631.21 Td (13,659) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 617.21 Td (Less: Preferred dividends) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 130.97 621.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.50 617.20 Td (769) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.50 617.21 Td (511) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 617.21 Td (194) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 603.20 Td (Net income available to common shareholders) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 603.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 603.20 Td (16,473) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 603.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.75 603.21 Td (6,799) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 603.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 603.21 Td (13,465) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 589.21 Td (Less: Dividends and undistributed earnings allocated to employee restricted and deferred shares with) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 580.21 Td (nonforfeitable rights to dividends, applicable to basic EPS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.50 580.20 Td (224) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.50 580.21 Td (111) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 580.21 Td (263) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 566.20 Td (Net income allocated to common shareholders for basic EPS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 566.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 566.20 Td (16,249) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 566.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.75 566.21 Td (6,688) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 566.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 566.21 Td (13,202) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 552.21 Td (Add: Interest expense, net of tax, and dividends on convertible securities and adjustment of undistributed) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 543.21 Td (earnings allocated to employee restricted and deferred shares with nonforfeitable rights to dividends,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 534.21 Td (applicable to diluted EPS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 534.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 534.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 534.21 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 520.20 Td (Net income allocated to common shareholders for diluted EPS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 520.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 520.20 Td (16,249) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 520.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.75 520.21 Td (6,689) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 520.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 520.21 Td (13,203) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 506.20 Td (Weighted-average common shares outstanding applicable to basic EPS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 506.20 Td (3,004.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 506.21 Td (3,031.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.00 506.21 Td (3,035.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 492.21 Td (Ef) Tj ET Q q 0 0 0 rg BT 47.33 492.21 Td (fect of dilutive securities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 136.55 496.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 492.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 492.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 492.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 478.21 Td (Options) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 73.50 482.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.75 478.20 Td (3.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.75 478.21 Td (5.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 478.21 Td (5.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 464.21 Td (Other employee plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.75 464.20 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.75 464.21 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 464.21 Td (0.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 450.20 Td (Adjusted weighted-average common shares outstanding applicable to diluted EPS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 450.20 Td (3,007.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 450.21 Td (3,037.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.00 450.21 Td (3,041.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 436.20 Td (Basic earnings per) Tj ET Q q 0 0 0 rg BT 109.84 436.20 Td ( shar) Tj ET Q q 0 0 0 rg BT 128.93 436.20 Td (e) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 132.92 440.28 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 436.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 436.21 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 436.21 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 422.21 Td (Income from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 422.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 422.20 Td (5.43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 422.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.25 422.21 Td (2.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 422.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 422.21 Td (4.26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 408.21 Td (Discontinued operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.25 408.20 Td (\(0.02) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 408.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 408.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 408.21 Td (0.09) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 394.20 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 394.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 394.20 Td (5.41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.25 394.21 Td (2.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 394.21 Td (4.35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 380.20 Td (Diluted earnings per) Tj ET Q q 0 0 0 rg BT 117.84 380.20 Td ( shar) Tj ET Q q 0 0 0 rg BT 136.93 380.20 Td (e) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 140.92 384.28 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 380.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 380.21 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 380.21 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 366.21 Td (Income from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 366.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 366.20 Td (5.42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 366.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.25 366.21 Td (2.20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 366.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 366.21 Td (4.25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 352.21 Td (Discontinued operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.25 352.20 Td (\(0.02) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 352.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 352.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 352.21 Td (0.09) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 338.20 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 338.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 338.20 Td (5.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 338.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.25 338.21 Td (2.20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 338.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 338.21 Td (4.34) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 316.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 316.65 Td (See Note) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 85.10 316.65 Td (21) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 93.10 316.65 Td ( to the Consolidated Financial Statements for the potential future impact of preferred stock dividends.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 307.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 307.05 Td (During ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 78.66 307.05 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 94.66 307.05 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 98.66 307.05 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 114.66 307.05 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 130.21 307.05 Td (2013) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 146.21 307.05 Td (, weighted-average options to purchase ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 273.28 307.05 Td (0.9 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.39 307.05 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.39 307.05 Td (2.8 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 347.51 307.05 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.06 307.05 Td (4.8 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 398.17 307.05 Td ( shares of common stock, respectively) Tj ET Q q 0 0 0 rg BT 519.84 307.05 Td (, were ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 297.45 Td (outstanding but not included in the computation of earnings per share because the weighted-average exercise prices of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.09 297.45 Td ($199.16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.09 297.45 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 464.09 297.45 Td ($153.91) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.09 297.45 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.64 297.45 Td ($101.1) Tj ET Q q 0 0 0 rg BT 527.34 297.45 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 531.34 297.45 Td ( per share, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 287.85 Td (respectively) Tj ET Q q 0 0 0 rg BT 92.13 287.85 Td (, were anti-dilutive.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 278.25 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 278.25 Td (W) Tj ET Q q 0 0 0 rg BT 60.91 278.25 Td (arrants issued to the U.S. ) Tj ET Q q 0 0 0 rg BT 142.75 278.25 Td (T) Tj ET Q q 0 0 0 rg BT 147.36 278.25 Td (reasury as part of the ) Tj ET Q q 0 0 0 rg BT 216.30 278.25 Td (T) Tj ET Q q 0 0 0 rg BT 220.90 278.25 Td (roubled ) Tj ET Q q 0 0 0 rg BT 246.90 278.25 Td (Asset Relief Program \(T) Tj ET Q q 0 0 0 rg BT 324.68 278.25 Td (ARP\) and the loss-sharing agreement \(all of which were subsequently sold to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 268.65 Td (the public in January 201) Tj ET Q q 0 0 0 rg BT 134.57 268.65 Td (1\), with exercise prices of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 219.43 268.65 Td ($178.50) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 245.43 268.65 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.98 268.65 Td ($106.10) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.98 268.65 Td ( per share for approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.61 268.65 Td (21.0 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 418.72 268.65 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.27 268.65 Td (25.5 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.39 268.65 Td ( shares of Citigroup common ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 259.05 Td (stock, respectively) Tj ET Q q 0 0 0 rg BT 113.02 259.05 Td (. Both warrants were not included in the computation of earnings per share in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 362.50 259.05 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 378.50 259.05 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 382.50 259.05 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 398.50 259.05 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.05 259.05 Td (2013) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 430.05 259.05 Td ( because they were anti-dilutive.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 249.45 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 249.45 Td (Due to rounding, earnings per share on continuing operations and discontinued operations may not sum to earnings per share on net income.) Tj ET Q endstream endobj 369 0 obj <> endobj 370 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (182) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (1) Tj ET Q q 0 0 0 rg BT 40.45 749.25 Td (1. FEDERAL) Tj ET Q q 0 0 0 rg BT 97.68 749.25 Td ( FUNDS, SECURITIES BORROWED, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (LOANED ) Tj ET Q q 0 0 0 rg BT 80.73 737.25 Td (AND SUBJECT) Tj ET Q q 0 0 0 rg BT 149.73 737.25 Td ( ) Tj ET Q q 0 0 0 rg BT 152.05 737.25 Td (T) Tj ET Q q 0 0 0 rg BT 158.54 737.25 Td (O REPURCHASE ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (AGREEMENTS) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 705.25 Td (Federal funds sold and securities borr) Tj ET Q q 0 0 0 rg BT 189.23 705.25 Td (owed or pur) Tj ET Q q 0 0 0 rg BT 237.75 705.25 Td (chased ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 693.25 Td (under agr) Tj ET Q q 0 0 0 rg BT 75.35 693.25 Td (eements to r) Tj ET Q q 0 0 0 rg BT 123.86 693.25 Td (esell) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.18 693.25 Td (, at their respective carrying values, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 681.25 Td (consisted of the following:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 648.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 648.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 648.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 611.75 130.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 611.75 62.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 611.75 60.00 -23.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 648.75 m 165.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 648.75 m 227.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 648.75 m 287.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 588.75 m 165.5 588.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 574.75 m 165.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 588.75 m 227.5 588.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 574.75 m 227.5 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 588.75 m 287.5 588.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 574.75 m 287.5 574.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 653.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.00 653.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.00 653.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 639.21 Td (Federal funds sold) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 168.00 639.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.00 639.20 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 639.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 639.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 625.21 Td (Securities purchased under) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 616.21 Td (agreements to resell) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.75 616.20 Td (119,777) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 254.75 616.21 Td (123,979) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 602.21 Td (Deposits paid for securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 593.21 Td (borrowed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.25 593.20 Td (99,873) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 254.75 593.21 Td (118,591) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 579.20 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 168.00 579.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.75 579.20 Td (219,675) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 579.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 254.75 579.21 Td (242,570) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 555.25 Td (Federal funds pur) Tj ET Q q 0 0 0 rg BT 125.85 555.25 Td (chased and securities loaned or sold ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 543.25 Td (under agr) Tj ET Q q 0 0 0 rg BT 75.35 543.25 Td (eements to r) Tj ET Q q 0 0 0 rg BT 123.86 543.25 Td (epur) Tj ET Q q 0 0 0 rg BT 141.82 543.25 Td (chase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.58 543.25 Td (, at their respective carrying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 531.25 Td (values, consisted of the following:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 498.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 498.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 498.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 461.75 130.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 461.75 62.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 461.75 60.00 -23.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 498.75 m 165.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 498.75 m 227.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 498.75 m 287.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 438.75 m 165.5 438.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 424.75 m 165.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 438.75 m 227.5 438.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 424.75 m 227.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 438.75 m 287.5 438.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 424.75 m 287.5 424.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 503.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.00 503.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.00 503.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 489.21 Td (Federal funds purchased) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 168.00 489.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.50 489.20 Td (189) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 489.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.50 489.21 Td (334) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 475.21 Td (Securities sold under agreements) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 466.21 Td (to repurchase) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.75 466.20 Td (131,650) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 254.75 466.21 Td (147,204) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 452.21 Td (Deposits received for securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 443.21 Td (loaned) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.25 443.20 Td (14,657) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.25 443.21 Td (25,900) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 429.20 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 168.00 429.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 194.75 429.20 Td (146,496) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 429.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 254.75 429.21 Td (173,438) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 403.25 Td (The resale and repurchase agreements represent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 391.25 Td (collateralized financing transactions. ) Tj ET Q q 0 0 0 rg BT 185.20 391.25 Td (The Company executes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 379.25 Td (these transactions primarily through its broker) Tj ET Q q 0 0 0 rg BT 220.48 379.25 Td (-dealer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 367.25 Td (subsidiaries to facilitate customer matched-book activity and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 355.25 Td (to ef) Tj ET Q q 0 0 0 rg BT 53.87 355.25 Td (ficiently fund a portion of the Company) Tj ET Q q 0 0 0 rg BT 216.05 355.25 Td (s trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 343.25 Td (inventory) Tj ET Q q 0 0 0 rg BT 73.68 343.25 Td (. ) Tj ET Q q 0 0 0 rg BT 78.50 343.25 Td (T) Tj ET Q q 0 0 0 rg BT 84.25 343.25 Td (ransactions executed by the Company) Tj ET Q q 0 0 0 rg BT 238.65 343.25 Td (s bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 331.25 Td (subsidiaries primarily facilitate customer financing activity) Tj ET Q q 0 0 0 rg BT 271.66 331.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 319.25 Td (T) Tj ET Q q 0 0 0 rg BT 59.41 319.25 Td (o maintain reliable funding under a wide range of market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 307.25 Td (conditions, including under periods of stress, Citi manages ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 295.25 Td (these activities by taking into consideration the quality of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 283.25 Td (underlying collateral, and stipulating financing tenor) Tj ET Q q 0 0 0 rg BT 245.94 283.25 Td (. Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 271.25 Td (manages the risks in its collateralized financing transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 259.25 Td (by conducting daily stress tests to account for changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 247.25 Td (capacity) Tj ET Q q 0 0 0 rg BT 68.66 247.25 Td (, tenors, haircut, collateral profile and client actions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 235.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 85.90 235.25 Td (, Citi maintains counterparty diversification by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 223.25 Td (establishing concentration triggers and assessing counterparty ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 211.25 Td (reliability and stability under stress.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 199.25 Td (It is the Company) Tj ET Q q 0 0 0 rg BT 128.16 199.25 Td (s policy to take possession of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 187.25 Td (underlying collateral, monitor its market value relative to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 175.25 Td (amounts due under the agreements and, when necessary) Tj ET Q q 0 0 0 rg BT 259.16 175.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 163.25 Td (require prompt transfer of additional collateral in order to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 151.25 Td (maintain contractual mar) Tj ET Q q 0 0 0 rg BT 135.78 151.25 Td (gin protection. For resale and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 139.25 Td (repurchase agreements, when necessary) Tj ET Q q 0 0 0 rg BT 194.72 139.25 Td (, the Company posts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 127.25 Td (additional collateral in order to maintain contractual mar) Tj ET Q q 0 0 0 rg BT 262.12 127.25 Td (gin ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 115.25 Td (protection. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 103.25 Td (Collateral typically consists of government and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 91.25 Td (government-agency securities, corporate and municipal bonds, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 79.25 Td (equities, and mortgage-backed and other asset-backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 67.25 Td (securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (The resale and repurchase agreements are generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (documented under industry standard agreements that allow the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (prompt close-out of all transactions \(including the liquidation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (of securities held\) and the of) Tj ET Q q 0 0 0 rg BT 437.95 713.10 Td (fsetting of obligations to return ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (cash or securities by the non-defaulting party) Tj ET Q q 0 0 0 rg BT 503.85 701.10 Td (, following a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (payment default or other type of default under the relevant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (master agreement. Events of default generally include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (\(i\)failure to deliver cash or securities as required under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (transaction, \(ii\)failure to provide or return cash or securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (as used for mar) Tj ET Q q 0 0 0 rg BT 385.19 641.10 Td (gining purposes, \(iii\)breach of representation, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (\(iv\)cross-default to another transaction entered into among ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (the parties, or) Tj ET Q q 0 0 0 rg BT 378.30 617.10 Td (, in some cases, their af) Tj ET Q q 0 0 0 rg BT 471.70 617.10 Td (filiates, and \(v\)a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (repudiation of obligations under the agreement. ) Tj ET Q q 0 0 0 rg BT 516.26 605.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (counterparty that receives the securities in these transactions is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (generally unrestricted in its use of the securities, with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (exception of transactions executed on a tri-party basis, where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (the collateral is maintained by a custodian and operational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (limitations may restrict its use of the securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 533.10 Td (A) Tj ET Q q 0 0 0 rg BT 348.67 533.10 Td ( substantial portion of the resale and repurchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (agreements is recorded at fair value, as described in Notes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.18 521.10 Td (25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 569.18 521.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.94 509.10 Td (26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.94 509.10 Td ( to the Consolidated Financial Statements. ) Tj ET Q q 0 0 0 rg BT 522.12 509.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (remaining portion is carried at the amount of cash initially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (advanced or received, plus accrued interest, as specified in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (respective agreements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 461.10 Td (The securities borrowing and lending agreements also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (represent collateralized financing transactions similar to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (resale and repurchase agreements. Collateral typically consists ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (of government and government-agency securities and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (corporate debt and equity securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 401.10 Td (Similar to the resale and repurchase agreements, securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (borrowing and lending agreements are generally documented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (under industry standard agreements that allow the prompt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (close-out of all transactions \(including the liquidation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (securities held\) and the of) Tj ET Q q 0 0 0 rg BT 427.12 353.10 Td (fsetting of obligations to return cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (or securities by the non-defaulting party) Tj ET Q q 0 0 0 rg BT 483.58 341.10 Td (, following a payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (default or other default by the other party under the relevant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (master agreement. Events of default and rights to use ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (securities under the securities borrowing and lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (agreements are similar to the resale and repurchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (agreements referenced above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 269.10 Td (A) Tj ET Q q 0 0 0 rg BT 348.67 269.10 Td ( substantial portion of securities borrowing and lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (agreements is recorded at the amount of cash advanced or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (received. ) Tj ET Q q 0 0 0 rg BT 362.68 245.10 Td (The remaining portion is recorded at fair value as the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (Company elected the fair value option for certain securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (borrowed and loaned portfolios, as described in Note) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.66 221.10 Td (26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.66 221.10 Td ( to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (Consolidated Financial Statements. ) Tj ET Q q 0 0 0 rg BT 467.69 209.10 Td (W) Tj ET Q q 0 0 0 rg BT 476.72 209.10 Td (ith respect to securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (loaned, the Company receives cash collateral in an amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (generally in excess of the market value of the securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (loaned. ) Tj ET Q q 0 0 0 rg BT 355.47 173.10 Td (The Company monitors the market value of securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (borrowed and securities loaned on a daily basis and obtains or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (posts additional collateral in order to maintain contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (mar) Tj ET Q q 0 0 0 rg BT 339.37 137.10 Td (gin protection.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 125.10 Td (The enforceability of of) Tj ET Q q 0 0 0 rg BT 437.05 125.10 Td (fsetting rights incorporated in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (master netting agreements for resale and repurchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (agreements and securities borrowing and lending agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (is evidenced to the extent that a supportive legal opinion has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (been obtained from counsel of recognized standing that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (provides the requisite level of certainty regarding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (enforceability of these agreements, and that the exercise of ) Tj ET Q endstream endobj 371 0 obj <> endobj 372 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (183) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (rights by the non-defaulting party to terminate and close-out ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (transactions on a net basis under these agreements will not be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (stayed or avoided under applicable law upon an event of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (default including bankruptcy) Tj ET Q q 0 0 0 rg BT 150.87 713.10 Td (, insolvency or similar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (proceeding.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 689.10 Td (A) Tj ET Q q 0 0 0 rg BT 60.67 689.10 Td ( legal opinion may not have been sought or obtained for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (certain jurisdictions where local law is silent or suf) Tj ET Q q 0 0 0 rg BT 239.65 677.10 Td (ficiently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (ambiguous to determine the enforceability of of) Tj ET Q q 0 0 0 rg BT 226.87 665.10 Td (fsetting rights ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (or where adverse case law or conflicting regulation may cast ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (doubt on the enforceability of such rights. In some ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (jurisdictions and for some counterparty types, the insolvency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (law for a particular counterparty type may be nonexistent or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (unclear as overlapping regimes may exist. For example, this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (may be the case for certain sovereigns, municipalities, central ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (banks and U.S. pension plans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (The following tables present the gross and net resale and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (repurchase agreements and securities borrowing and lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (agreements and the related of) Tj ET Q q 0 0 0 rg BT 441.54 725.10 Td (fsetting amount permitted under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (ASC 210-20-45. ) Tj ET Q q 0 0 0 rg BT 392.43 713.10 Td (The tables also include amounts related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (financial instruments that are not permitted to be of) Tj ET Q q 0 0 0 rg BT 529.31 701.10 Td (fset under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (ASC 210-20-45 but would be eligible for of) Tj ET Q q 0 0 0 rg BT 499.63 689.10 Td (fsetting to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (extent that an event of default occurred and a legal opinion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (supporting enforceability of the of) Tj ET Q q 0 0 0 rg BT 461.00 665.10 Td (fsetting rights has been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (obtained. Remaining exposures continue to be secured by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (financial collateral, but the Company may not have sought or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (been able to obtain a legal opinion evidencing enforceability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (of the of) Tj ET Q q 0 0 0 rg BT 357.70 617.10 Td (fsetting right.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 38.50 497.60 161.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 199.50 497.60 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 497.60 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 497.60 86.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.50 497.60 100.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 497.60 52.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 38.50 460.60 161.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 199.50 460.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 460.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 460.60 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.50 460.60 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 460.60 52.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 199.5 556.6 m 264.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 556.6 m 334.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 556.6 m 420.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 556.6 m 520.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 556.6 m 572.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 38.5 497.6 m 199.5 497.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 199.5 556.6 m 264.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 199.5 497.6 m 264.5 497.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 556.6 m 334.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 497.6 m 334.5 497.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 556.6 m 420.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 497.6 m 420.5 497.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 556.6 m 520.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 497.6 m 520.5 497.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 556.6 m 572.5 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 497.6 m 572.5 497.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 38.5 460.6 m 199.5 460.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 38.5 446.6 m 199.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 199.5 460.6 m 264.5 460.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 199.5 446.6 m 264.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 460.6 m 334.5 460.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 446.6 m 334.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 460.6 m 420.5 460.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 446.6 m 420.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 460.6 m 520.5 460.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 446.6 m 520.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 460.6 m 572.5 460.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 446.6 m 572.5 446.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 561.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.20 561.05 Td (As of December 31, 2015) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 41.00 501.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.70 520.05 Td (Gross amounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 205.95 511.05 Td (of recognized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.50 502.05 Td (assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.20 529.05 Td (Gr) Tj ET Q q 0 0 0 rg BT 281.03 529.05 Td (oss amounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 275.50 520.05 Td (offset on the) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.70 511.05 Td (Consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.70 502.05 Td (Balance Sheet) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 322.45 506.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.75 529.05 Td (Net amounts of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.45 520.05 Td (assets included on) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.60 511.05 Td (the Consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.70 502.05 Td (Balance Sheet) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 400.45 506.13 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.45 547.05 Td (Amounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.10 538.05 Td (not offset on the) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.35 529.05 Td (Consolidated Balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.20 520.05 Td (Sheet but eligible for) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.10 511.05 Td (offsetting upon) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.70 502.05 Td (counterparty default) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 506.44 506.13 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.25 511.05 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.05 502.05 Td (amounts) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 559.06 506.13 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 488.06 Td (Securities purchased under agreements to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 479.06 Td (resell) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.00 479.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 231.75 479.05 Td (176,167) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 479.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.25 479.05 Td (56,390) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.00 479.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.75 479.05 Td (119,777) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 479.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.25 479.05 Td (92,039) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 479.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.25 479.05 Td (27,738) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 41.00 465.06 Td (Deposits paid for securities borrowed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 236.25 465.05 Td (99,873) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 465.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.25 465.05 Td (99,873) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.25 465.05 Td (16,619) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.25 465.05 Td (83,254) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.00 451.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.00 451.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 231.75 451.05 Td (276,040) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 451.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.25 451.05 Td (56,390) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.00 451.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.75 451.05 Td (219,650) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 451.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.75 451.05 Td (108,658) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 451.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.75 451.05 Td (110,992) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 365.60 164.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 199.50 365.60 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 365.60 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 365.60 89.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 365.60 100.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 365.60 52.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 328.60 164.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 199.50 328.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 328.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 328.60 89.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 328.60 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 328.60 52.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 365.6 m 199.5 365.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 199.5 365.6 m 264.5 365.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 365.6 m 334.5 365.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 365.6 m 423.5 365.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 365.6 m 523.5 365.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 365.6 m 575.5 365.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 328.6 m 199.5 328.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 314.6 m 199.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 199.5 328.6 m 264.5 328.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 199.5 314.6 m 264.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 328.6 m 334.5 328.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 314.6 m 334.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 328.6 m 423.5 328.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 314.6 m 423.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 328.6 m 523.5 328.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 314.6 m 523.5 314.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 328.6 m 575.5 328.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 314.6 m 575.5 314.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 369.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.70 388.05 Td (Gross amounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 205.95 379.05 Td (of recognized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.95 370.05 Td (liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.20 397.05 Td (Gr) Tj ET Q q 0 0 0 rg BT 281.03 397.05 Td (oss amounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 275.50 388.05 Td (offset on the) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.70 379.05 Td (Consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.70 370.05 Td (Balance Sheet) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 322.45 374.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.25 397.05 Td (Net amounts of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.45 388.05 Td (liabilities included on) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.10 379.05 Td (the Consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.20 370.05 Td (Balance Sheet) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 401.95 374.13 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.45 415.05 Td (Amounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.10 406.05 Td (not offset on the) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.35 397.05 Td (Consolidated Balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.20 388.05 Td (Sheet but eligible for) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.10 379.05 Td (offsetting upon) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.70 370.05 Td (counterparty default) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 509.44 374.13 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.25 379.05 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.05 370.05 Td (amounts) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 562.06 374.13 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 356.06 Td (Securities sold under agreements to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 347.06 Td (repurchase) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.00 347.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 231.75 347.05 Td (188,040) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 347.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.25 347.05 Td (56,390) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.00 347.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.75 347.05 Td (131,650) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 347.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.25 347.05 Td (60,641) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.00 347.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 347.05 Td (71,009) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 333.06 Td (Deposits received for securities loaned) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 236.25 333.05 Td (14,657) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 333.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 333.05 Td (14,657) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.75 333.05 Td (3,226) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 333.05 Td (11,431) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 319.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.00 319.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 231.75 319.05 Td (202,697) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 319.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.25 319.05 Td (56,390) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.00 319.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.75 319.05 Td (146,307) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 319.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.25 319.05 Td (63,867) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.00 319.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 319.05 Td (82,440) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 219.60 165.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.50 219.60 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.50 219.60 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 219.60 88.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 219.60 100.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 219.60 52.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 182.60 165.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.50 182.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.50 182.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 182.60 88.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 182.60 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 182.60 52.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 278.6 m 265.5 278.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 278.6 m 335.5 278.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 278.6 m 423.5 278.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 278.6 m 523.5 278.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 278.6 m 575.5 278.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 219.60000000000002 m 200.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 278.6 m 265.5 278.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 219.60000000000002 m 265.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 278.6 m 335.5 278.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 219.60000000000002 m 335.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 278.6 m 423.5 278.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 219.60000000000002 m 423.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 278.6 m 523.5 278.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 219.60000000000002 m 523.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 278.6 m 575.5 278.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 219.60000000000002 m 575.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 182.60000000000002 m 200.5 182.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 168.60000000000002 m 200.5 168.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 182.60000000000002 m 265.5 182.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 168.60000000000002 m 265.5 168.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 182.60000000000002 m 335.5 182.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 168.60000000000002 m 335.5 168.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 182.60000000000002 m 423.5 182.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 168.60000000000002 m 423.5 168.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 182.60000000000002 m 523.5 182.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 168.60000000000002 m 523.5 168.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 182.60000000000002 m 575.5 182.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 168.60000000000002 m 575.5 168.60000000000002 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 283.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.10 283.06 Td (As of December 31, 2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 223.85 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.60 242.06 Td (Gross amounts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.85 233.06 Td (of recognized) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.00 224.06 Td (assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.10 251.06 Td (Gross amounts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.55 242.06 Td (of) Tj ET Q q 0 0 0 rg BT 284.88 242.06 Td (fset on the) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.25 233.06 Td (Consolidated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.95 224.06 Td (Balance Sheet) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 322.18 228.14 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.25 251.06 Td (Net amounts of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.25 242.06 Td (assets included on) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.60 233.06 Td (the Consolidated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.95 224.06 Td (Balance Sheet) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 401.18 228.14 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.45 269.06 Td (Amounts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 443.70 260.06 Td (not of) Tj ET Q q 0 0 0 rg BT 464.78 260.06 Td (fset on the) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.60 251.06 Td (Consolidated Balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.10 242.06 Td (Sheet but eligible for) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.70 233.06 Td (of) Tj ET Q q 0 0 0 rg BT 453.03 233.06 Td (fsetting upon) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.20 224.06 Td (counterparty default) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 505.92 228.14 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.50 233.06 Td (Net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.30 224.06 Td (amounts) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 560.80 228.14 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 210.06 Td (Securities purchased under agreements to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 201.06 Td (resell) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.00 201.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.75 201.06 Td (180,318) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.00 201.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.25 201.06 Td (56,339) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 201.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.75 201.06 Td (123,979) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 201.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.25 201.06 Td (94,353) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 201.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 201.06 Td (29,626) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 187.06 Td (Deposits paid for securities borrowed) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.75 187.06 Td (118,591) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.00 187.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.75 187.06 Td (118,591) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.25 187.06 Td (15,139) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 187.06 Td (103,452) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 173.06 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.00 173.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.75 173.06 Td (298,909) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.00 173.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.25 173.06 Td (56,339) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 173.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.75 173.06 Td (242,570) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 173.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.75 173.06 Td (109,492) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 173.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.75 173.06 Td (133,078) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 99.60 164.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.50 99.60 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.50 99.60 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 99.60 89.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 99.60 100.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.50 99.60 52.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 62.60 164.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.50 62.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.50 62.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 62.60 89.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 62.60 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.50 62.60 52.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 99.60000000000002 m 200.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 99.60000000000002 m 265.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 99.60000000000002 m 335.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 99.60000000000002 m 424.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 99.60000000000002 m 524.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 99.60000000000002 m 576.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 62.60000000000002 m 200.5 62.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 48.60000000000002 m 200.5 48.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 62.60000000000002 m 265.5 62.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 48.60000000000002 m 265.5 48.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 62.60000000000002 m 335.5 62.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 48.60000000000002 m 335.5 48.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 62.60000000000002 m 424.5 62.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 48.60000000000002 m 424.5 48.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 62.60000000000002 m 524.5 62.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 48.60000000000002 m 524.5 48.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 62.60000000000002 m 576.5 62.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 524.5 48.60000000000002 m 576.5 48.60000000000002 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 103.85 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.60 122.06 Td (Gross amounts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.85 113.06 Td (of recognized) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.75 104.06 Td (liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.10 131.06 Td (Gross amounts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.55 122.06 Td (of) Tj ET Q q 0 0 0 rg BT 284.88 122.06 Td (fset on the) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.25 113.06 Td (Consolidated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.95 104.06 Td (Balance Sheet) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 322.18 108.14 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.75 131.06 Td (Net amounts of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.50 122.06 Td (liabilities included on) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.10 113.06 Td (the Consolidated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.45 104.06 Td (Balance Sheet) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 401.68 108.14 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.45 149.06 Td (Amounts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.70 140.06 Td (not of) Tj ET Q q 0 0 0 rg BT 465.78 140.06 Td (fset on the) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.60 131.06 Td (Consolidated Balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.10 122.06 Td (Sheet but eligible for) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.70 113.06 Td (of) Tj ET Q q 0 0 0 rg BT 454.03 113.06 Td (fsetting upon) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.20 104.06 Td (counterparty default) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 506.92 108.14 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.50 113.06 Td (Net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.30 104.06 Td (amounts) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 561.80 108.14 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 90.06 Td (Securities sold under agreements to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 81.06 Td (repurchase) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.00 81.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.75 81.06 Td (203,543) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.00 81.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.25 81.06 Td (56,339) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 81.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.75 81.06 Td (147,204) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 81.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.25 81.06 Td (72,928) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.00 81.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 81.06 Td (74,276) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 67.06 Td (Deposits received for securities loaned) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.25 67.06 Td (25,900) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.00 67.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.25 67.06 Td (25,900) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.75 67.06 Td (5,190) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 67.06 Td (20,710) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 53.06 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.00 53.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.75 53.06 Td (229,443) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.00 53.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.25 53.06 Td (56,339) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 53.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.75 53.06 Td (173,104) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 53.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.25 53.06 Td (78,118) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.00 53.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 53.06 Td (94,986) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 373 0 obj <> endobj 374 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (184) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 750.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 750.50 Td (Includes financial instruments subject to enforceable master netting agreements that are permitted to be of) Tj ET Q q 0 0 0 rg BT 393.29 750.50 Td (fset under ) Tj ET Q q 0 0 0 rg BT 426.61 750.50 Td (ASC 210-20-45.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 740.90 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 740.90 Td (The total of this column for each period excludes Federal funds sold/purchased. See tables above.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 731.30 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 731.30 Td (Includes financial instruments subject to enforceable master netting agreements that are not permitted to be of) Tj ET Q q 0 0 0 rg BT 405.51 731.30 Td (fset under ) Tj ET Q q 0 0 0 rg BT 438.83 731.30 Td (ASC 210-20-45 but would be eligible for ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 721.70 Td (of) Tj ET Q q 0 0 0 rg BT 60.52 721.70 Td (fsetting to the extent that an event of default has occurred and a legal opinion supporting enforceability of the of) Tj ET Q q 0 0 0 rg BT 419.14 721.70 Td (fsetting right has been obtained.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 712.10 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 712.10 Td (Remaining exposures continue to be secured by financial collateral, but the Company may not have sought or been able to obtain a legal opinion evidencing ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 702.50 Td (enforceability of the of) Tj ET Q q 0 0 0 rg BT 127.38 702.50 Td (fsetting right.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 680.90 Td (The following table presents the gross amount of liabilities associated with repurchase agreements and securities lending agreements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 668.90 Td (by remaining contractual maturity as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.50 668.90 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.09 668.90 Td (:) Tj ET Q 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 35.50 619.40 240.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 275.50 619.40 60.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 335.50 619.40 60.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 395.50 619.40 60.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 455.50 619.40 60.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 515.50 619.40 60.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 35.50 591.40 240.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 275.50 591.40 60.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 335.50 591.40 60.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 395.50 591.40 60.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 455.50 591.40 60.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 515.50 591.40 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 619.4 m 275.5 619.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 619.4 m 335.5 619.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 619.4 m 395.5 619.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 619.4 m 455.5 619.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 619.4 m 515.5 619.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 619.4 m 575.5 619.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 619.4 m 275.5 619.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 619.4 m 335.5 619.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 619.4 m 395.5 619.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 619.4 m 455.5 619.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 619.4 m 515.5 605.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 619.4 m 515.5 619.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 619.4 m 575.5 619.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 605.4 m 515.5 591.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 591.4 m 275.5 591.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 577.4 m 275.5 577.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 591.4 m 335.5 591.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 577.4 m 335.5 577.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 591.4 m 395.5 591.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 577.4 m 395.5 577.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 591.4 m 455.5 591.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 577.4 m 455.5 577.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 591.4 m 515.5 577.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 591.4 m 515.5 591.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 577.4 m 515.5 577.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 591.4 m 575.5 591.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 577.4 m 575.5 577.4 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 623.65 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.10 632.85 Td (Open and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.50 623.85 Td (overnight) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.85 623.85 Td (Up to 30 days) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.85 623.85 Td (3190 days) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.00 632.85 Td (Greater than) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.60 623.85 Td (90 days) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.15 623.85 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 609.86 Td (Securities sold under agreements to repurchase) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.00 609.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.25 609.85 Td (89,732) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.00 609.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.25 609.85 Td (54,336) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.00 609.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.25 609.85 Td (21,541) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 609.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.25 609.85 Td (22,431) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 518.00 609.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.75 609.85 Td (188,040) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 595.86 Td (Deposits received for securities loaned) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.75 595.85 Td (9,096) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.75 595.85 Td (1,823) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.75 595.85 Td (2,324) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.75 595.85 Td (1,414) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 595.85 Td (14,657) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 581.85 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.00 581.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.25 581.85 Td (98,828) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.00 581.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.25 581.85 Td (56,159) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.00 581.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.25 581.85 Td (23,865) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 581.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.25 581.85 Td (23,845) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 518.00 581.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.75 581.85 Td (202,697) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 541.90 Td (The following table presents the gross amount of liabilities associated with repurchase agreements and securities lending agreements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 529.90 Td (by class of underlying collateral as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.45 529.90 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.04 529.90 Td (:) Tj ET Q 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 35.50 471.40 333.00 -16.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 368.50 471.40 69.00 -16.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 437.50 471.40 69.00 -16.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 506.50 471.40 69.00 -16.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 35.50 441.40 333.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 368.50 441.40 69.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 437.50 441.40 69.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 506.50 441.40 69.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 35.50 413.40 333.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 368.50 413.40 69.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 437.50 413.40 69.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 506.50 413.40 69.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 35.50 385.40 333.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 368.50 385.40 69.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 437.50 385.40 69.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 506.50 385.40 69.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 35.50 357.40 333.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 368.50 357.40 69.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 437.50 357.40 69.00 -14.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 506.50 357.40 69.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 471.4 m 368.5 471.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 471.4 m 437.5 471.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 471.4 m 506.5 471.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 471.4 m 575.5 471.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 471.4 m 368.5 471.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 471.4 m 437.5 471.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 471.4 m 506.5 455.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 471.4 m 506.5 471.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 471.4 m 575.5 471.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 455.4 m 506.5 441.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 441.4 m 506.5 427.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 427.4 m 506.5 413.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 413.4 m 506.5 399.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 399.4 m 506.5 385.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 385.4 m 506.5 371.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 371.4 m 506.5 357.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 357.4 m 368.5 357.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 343.4 m 368.5 343.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 357.4 m 437.5 357.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 343.4 m 437.5 343.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 357.4 m 506.5 343.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 357.4 m 506.5 357.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 343.4 m 506.5 343.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 357.4 m 575.5 357.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 343.4 m 575.5 343.4 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 475.65 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.80 484.85 Td (Repurchase) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.55 475.85 Td (agreements) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.75 493.85 Td (Securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.20 484.85 Td (lending) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.55 475.85 Td (agreements) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.65 475.85 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 459.86 Td (U.S Treasury and federal agency) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.00 459.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.25 459.85 Td (67,005) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.00 459.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 459.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.00 459.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 459.85 Td (67,005) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 445.86 Td (State and municipal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.50 445.85 Td (403) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 445.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 445.85 Td (403) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 431.86 Td (Foreign government) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.25 431.85 Td (66,633) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.50 431.85 Td (789) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 431.85 Td (67,422) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 417.86 Td (Corporate bonds) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.25 417.85 Td (15,355) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.75 417.85 Td (1,085) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 417.85 Td (16,440) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 403.86 Td (Equity securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.25 403.85 Td (10,297) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.25 403.85 Td (12,484) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 403.85 Td (22,781) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 389.86 Td (Mortgage-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.25 389.85 Td (19,913) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 389.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 389.85 Td (19,913) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 375.86 Td (Asset-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.75 375.85 Td (4,572) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.00 375.85 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 375.85 Td (4,572) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 361.86 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.75 361.85 Td (3,862) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.50 361.85 Td (299) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 361.85 Td (4,161) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 347.85 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.00 347.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.75 347.85 Td (188,040) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.00 347.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.25 347.85 Td (14,657) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.00 347.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.75 347.85 Td (202,697) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 375 0 obj <> endobj 376 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (185) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (12. BROKERAGE RECEIV) Tj ET Q q 0 0 0 rg BT 156.12 742.25 Td (ABLES ) Tj ET Q q 0 0 0 rg BT 190.86 742.25 Td (AND BROKERAGE) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (P) Tj ET Q q 0 0 0 rg BT 41.37 730.25 Td (A) Tj ET Q q 0 0 0 rg BT 47.67 730.25 Td (Y) Tj ET Q q 0 0 0 rg BT 53.97 730.25 Td (ABLES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (The Company has receivables and payables for financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (instruments sold to and purchased from brokers, dealers and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (customers, which arise in the ordinary course of business. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (The Company is exposed to risk of loss from the inability of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (brokers, dealers or customers to pay for purchases or to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (deliver the financial instruments sold, in which case the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.25 Td (Company would have to sell or purchase the financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.25 Td (instruments at prevailing market prices. Credit risk is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 Td (reduced to the extent that an exchange or clearing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.25 Td (or) Tj ET Q q 0 0 0 rg BT 44.15 598.25 Td (ganization acts as a counterparty to the transaction and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.25 Td (replaces the broker) Tj ET Q q 0 0 0 rg BT 111.67 586.25 Td (, dealer or customer in question.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 574.25 Td (The Company seeks to protect itself from the risks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.25 Td (associated with customer activities by requiring customers to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.25 Td (maintain mar) Tj ET Q q 0 0 0 rg BT 88.86 550.25 Td (gin collateral in compliance with regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.25 Td (and internal guidelines. Mar) Tj ET Q q 0 0 0 rg BT 148.56 538.25 Td (gin levels are monitored daily) Tj ET Q q 0 0 0 rg BT 267.32 538.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.25 Td (and customers deposit additional collateral as required. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.25 Td (Where customers cannot meet collateral requirements, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.25 Td (Company may liquidate suf) Tj ET Q q 0 0 0 rg BT 146.63 502.25 Td (ficient underlying financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.25 Td (instruments to bring the customer into compliance with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.25 Td (required mar) Tj ET Q q 0 0 0 rg BT 87.18 478.25 Td (gin level.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 466.25 Td (Exposure to credit risk is impacted by market volatility) Tj ET Q q 0 0 0 rg BT 273.85 466.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.25 Td (which may impair the ability of clients to satisfy their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.25 Td (obligations to the Company) Tj ET Q q 0 0 0 rg BT 146.18 442.25 Td (. Credit limits are established and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.25 Td (closely monitored for customers and for brokers and dealers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.25 Td (engaged in forwards, futures and other transactions deemed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.25 Td (to be credit sensitive. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 394.25 Td (Br) Tj ET Q q 0 0 0 rg BT 63.63 394.25 Td (okerage r) Tj ET Q q 0 0 0 rg BT 101.86 394.25 Td (eceivables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.00 394.25 Td (and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 162.94 394.25 Td (Br) Tj ET Q q 0 0 0 rg BT 172.56 394.25 Td (okerage payables) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.82 394.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.25 Td (consisted of the following:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 331.75 121.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 156.50 331.75 62.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 331.75 62.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 285.75 121.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 156.50 285.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 285.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 248.75 121.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 156.50 248.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 248.75 62.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 156.5 358.75 m 218.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 358.75 m 280.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 156.5 345.75 m 218.5 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 345.75 m 280.5 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 345.75 m 156.5 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 156.5 345.75 m 218.5 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 345.75 m 280.5 345.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 299.75 m 156.5 299.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 285.75 m 156.5 285.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 156.5 299.75 m 218.5 299.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 156.5 285.75 m 218.5 285.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 299.75 m 280.5 299.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 285.75 m 280.5 285.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 248.75 m 156.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 156.5 248.75 m 218.5 248.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 248.75 m 280.5 248.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 234.75 m 156.5 234.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 156.5 234.75 m 218.5 234.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 234.75 m 280.5 234.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 191.80 363.15 Td (December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 350.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 178.00 350.15 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.00 350.01 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 336.61 Td (Receivables from customers) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 159.00 336.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.25 336.20 Td (10,435) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 336.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.25 336.21 Td (10,380) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 322.61 Td (Receivables from brokers,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 313.61 Td (dealers, and clearing) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 304.61 Td (organizations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.25 304.20 Td (17,248) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.25 304.21 Td (18,039) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 290.70 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 290.70 Td (otal br) Tj ET Q q 0 0 0 rg BT 68.76 290.70 Td (okerage r) Tj ET Q q 0 0 0 rg BT 105.33 290.70 Td (eceivables) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 143.82 294.78 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 159.00 290.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.25 290.20 Td (27,683) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 290.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.25 290.21 Td (28,419) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 276.61 Td (Payables to customers) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 159.00 276.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.25 276.20 Td (35,653) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 276.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.25 276.21 Td (33,984) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 262.61 Td (Payables to brokers, dealers,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 253.61 Td (and clearing organizations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.25 253.20 Td (18,069) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.25 253.21 Td (18,196) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 239.70 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 239.70 Td (otal br) Tj ET Q q 0 0 0 rg BT 68.76 239.70 Td (okerage payables) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 135.01 243.78 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 159.00 239.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.25 239.20 Td (53,722) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.00 239.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.25 239.21 Td (52,180) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 216.05 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 216.05 Td (Brokerage receivables and payables are accounted for in accordance ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 206.45 Td (with the ) Tj ET Q q 0 0 0 rg BT 81.55 206.45 Td (AICP) Tj ET Q q 0 0 0 rg BT 99.05 206.45 Td (A) Tj ET Q q 0 0 0 rg BT 104.38 206.45 Td ( ) Tj ET Q q 0 0 0 rg BT 105.94 206.45 Td (Audit and ) Tj ET Q q 0 0 0 rg BT 139.27 206.45 Td (Accounting Guide for Brokers and Dealers ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 196.85 Td (in Securities as codified in ) Tj ET Q q 0 0 0 rg BT 142.43 196.85 Td (ASC 940-320.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 742.25 Td (13.) Tj ET Q q 0 0 0 rg BT 343.82 742.25 Td (TRADING ) Tj ET Q q 0 0 0 rg BT 392.99 742.25 Td (ACCOUNT) Tj ET Q q 0 0 0 rg BT 443.37 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 445.32 742.25 Td (ASSETS ) Tj ET Q q 0 0 0 rg BT 484.51 742.25 Td (AND LIABILITIES) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 722.25 Td (T) Tj ET Q q 0 0 0 rg BT 329.01 722.25 Td (rading account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.23 722.25 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 435.67 722.25 Td (T) Tj ET Q q 0 0 0 rg BT 440.67 722.25 Td (rading account liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.78 722.25 Td ( are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 710.25 Td (carried at fair value, other than physical commodities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 698.25 Td (accounted for at the lower of cost or fair value, and consist of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 686.25 Td (the following:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 623.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 623.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 623.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 586.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 586.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 586.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 558.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 558.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 558.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 530.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 530.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 530.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 502.75 130.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 502.75 62.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 502.75 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 465.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 465.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 465.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 428.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 428.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 428.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 400.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 400.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 400.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 372.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 372.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 372.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 344.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 344.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 344.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 316.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 316.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 316.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 288.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 288.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 288.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 260.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 260.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 260.75 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 652.75 m 516.5 652.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 652.75 m 576.5 652.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 637.75 m 454.5 637.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 637.75 m 516.5 637.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 637.75 m 576.5 637.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 516.75 m 454.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 502.75 m 454.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 516.75 m 516.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 502.75 m 516.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 516.75 m 576.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 502.75 m 576.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 451.75 m 454.5 451.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 428.75 m 454.5 428.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 451.75 m 516.5 451.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 428.75 m 516.5 428.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 451.75 m 576.5 451.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 428.75 m 576.5 428.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 330.75 m 454.5 330.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 316.75 m 454.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 330.75 m 516.5 330.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 316.75 m 516.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 330.75 m 576.5 330.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 316.75 m 576.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 260.75 m 516.5 260.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 260.75 m 576.5 260.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 260.75 m 454.5 260.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 246.75 m 454.5 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 260.75 m 516.5 260.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 246.75 m 516.5 246.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 260.75 m 576.5 260.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 246.75 m 576.5 246.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.80 657.20 Td (December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 327.00 642.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 642.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 642.21 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 628.20 Td (Trading account assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 628.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 628.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 614.21 Td (Mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 426.71 618.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 614.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 614.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 600.21 Td (U.S. government-sponsored) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 591.21 Td (agency guaranteed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 591.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.25 591.20 Td (24,767) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 591.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 591.21 Td (27,053) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 577.21 Td (Prime) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 577.20 Td (803) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 577.21 Td (1,271) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 563.21 Td (Alt-A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 563.20 Td (543) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 563.21 Td (709) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 549.21 Td (Subprime) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 549.20 Td (516) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 549.21 Td (1,382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 535.21 Td (Non-U.S. residential) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 535.20 Td (523) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 535.21 Td (1,476) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 521.21 Td (Commercial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.75 521.20 Td (2,855) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 521.21 Td (4,343) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 507.21 Td (Total mortgage-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 507.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.25 507.20 Td (30,007) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 507.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 507.21 Td (36,234) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 493.21 Td (U.S. Treasury and federal agency) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 484.21 Td (securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 484.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 484.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 470.21 Td (U.S. Treasury) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 470.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.25 470.20 Td (15,791) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 470.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 470.21 Td (18,906) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 456.21 Td (Agency obligations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.75 456.20 Td (2,005) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 456.21 Td (1,568) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 442.21 Td (Total U.S. Treasury and federal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 433.21 Td (agency securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 433.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.25 433.20 Td (17,796) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 433.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 433.21 Td (20,474) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 419.21 Td (State and municipal securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 419.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.75 419.20 Td (2,696) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 419.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 419.21 Td (3,402) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 405.21 Td (Foreign government securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.25 405.20 Td (56,609) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 405.21 Td (64,937) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 391.21 Td (Corporate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.25 391.20 Td (14,437) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 391.21 Td (27,797) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 377.21 Td (Derivatives) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 368.48 381.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.25 377.20 Td (56,184) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 377.21 Td (67,957) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 363.21 Td (Equity securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.25 363.20 Td (56,495) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 363.21 Td (57,846) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 349.21 Td (Asset-backed securities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 411.72 353.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.75 349.20 Td (3,956) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 349.21 Td (4,546) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 335.21 Td (Other trading assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 398.48 339.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.25 335.20 Td (11,776) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 335.21 Td (13,593) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 321.20 Td (Total trading account assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 321.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.75 321.20 Td (249,956) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 321.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 321.21 Td (296,786) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 307.20 Td (Trading account liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 307.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 307.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 293.21 Td (Securities sold, not yet purchased) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 293.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.25 293.20 Td (57,827) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 293.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 293.21 Td (70,944) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 279.21 Td (Derivatives) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 368.48 283.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.25 279.20 Td (57,592) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 279.21 Td (68,092) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 265.21 Td (Other trading liabilities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 410.98 269.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.75 265.20 Td (2,093) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 265.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 251.20 Td (Total trading account liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 251.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.75 251.20 Td (117,512) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 251.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 251.21 Td (139,036) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 229.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 229.65 Td (The Company invests in mortgage-backed and asset-backed securities. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 220.05 Td (These securitizations are generally considered ) Tj ET Q q 0 0 0 rg BT 491.34 220.05 Td (VIEs. ) Tj ET Q q 0 0 0 rg BT 511.64 220.05 Td (The Company) Tj ET Q q 0 0 0 rg BT 559.41 220.05 Td (s ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 210.45 Td (maximum exposure to loss from these ) Tj ET Q q 0 0 0 rg BT 465.84 210.45 Td (VIEs is equal to the carrying ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 200.85 Td (amount of the securities, which is reflected in the table above. For ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 191.25 Td (mortgage-backed and asset-backed securitizations in which the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 181.65 Td (Company has other involvement, see Note) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.97 181.65 Td (22) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.97 181.65 Td ( to the Consolidated ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 172.05 Td (Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 162.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 162.45 Td (Presented net, pursuant to enforceable master netting agreements. See ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 152.85 Td (Note) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.55 152.85 Td (23) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.55 152.85 Td ( to the Consolidated Financial Statements for a discussion ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 143.25 Td (regarding the accounting and reporting for derivatives.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 133.65 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 133.65 Td (Includes positions related to investments in unallocated precious metals, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 124.05 Td (as discussed in Note) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.10 124.05 Td (26) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.10 124.05 Td ( to the Consolidated Financial Statements. ) Tj ET Q q 0 0 0 rg BT 555.75 124.05 Td (Also ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 114.45 Td (includes physical commodities accounted for at the lower of cost or fair ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 104.85 Td (value.) Tj ET Q endstream endobj 377 0 obj <> endobj 378 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (186) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 742.25 Td (14.INVESTMENTS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 710.25 Td (Overview) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 698.25 Td (The following table presents the Company) Tj ET Q q 0 0 0 rg BT 222.52 698.25 Td (s investments by category:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 659.75 414.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.00 659.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 659.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 631.75 414.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.00 631.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 631.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 603.75 414.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.00 603.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 603.75 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 659.75 m 464 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464 659.75 m 525 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 659.75 m 585 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464 603.75 m 525 603.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 603.75 m 585 603.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 603.75 m 464 603.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 589.75 m 464 589.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464 603.75 m 525 603.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 464 589.75 m 525 589.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 603.75 m 585 603.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 525 589.75 m 585 589.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.80 678.20 Td (December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 664.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.00 664.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 664.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 650.21 Td (Securities available-for-sale \(AFS\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.50 650.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.25 650.20 Td (299,136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 650.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 650.21 Td (300,143) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 636.21 Td (Debt securities held-to-maturity \(HTM\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 195.71 640.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 636.20 Td (36,215) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 636.21 Td (23,921) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 622.21 Td (Non-marketable equity securities carried at fair value) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 244.41 626.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.25 622.20 Td (2,088) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 622.21 Td (2,758) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 608.21 Td (Non-marketable equity securities carried at cost) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 224.68 612.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.25 608.20 Td (5,516) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 608.21 Td (6,621) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 594.20 Td (Total investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.50 594.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.25 594.20 Td (342,955) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 594.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 594.21 Td (333,443) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 572.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 572.65 Td (Carried at adjusted amortized cost basis, net of any credit-related impairment.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 563.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 563.05 Td (Unrealized gains and losses for non-marketable equity securities carried at fair value are recognized in earnings.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 553.45 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 553.45 Td (Primarily consists of shares issued by the Federal Reserve Bank, Federal Home Loan Banks, foreign central banks and various clearing houses of which ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 543.85 Td (Citigroup is a member) Tj ET Q q 0 0 0 rg BT 138.82 543.85 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 519.85 Td (The following table presents interest and dividend income on investments:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 481.35 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.00 481.35 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 481.35 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.00 481.35 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 453.35 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.00 453.35 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 453.35 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.00 453.35 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 495.35 m 407 495.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407 495.35 m 466 495.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466 495.35 m 526 495.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526 495.35 m 586 495.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407 495.35 m 466 495.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466 495.35 m 526 495.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407 453.35 m 466 453.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466 453.35 m 526 453.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526 453.35 m 586 453.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 453.35 m 407 453.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 439.35 m 407 439.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407 453.35 m 466 453.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 407 439.35 m 466 439.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466 453.35 m 526 453.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 466 439.35 m 526 439.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 526 439.35 m 586 439.35 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 499.60 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 499.80 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 499.81 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.50 499.81 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 485.81 Td (Taxable interest) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.50 485.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.25 485.80 Td (6,414) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 485.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.25 485.81 Td (6,311) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.50 485.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 485.81 Td (5,750) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 471.81 Td (Interest exempt from U.S. federal income tax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 471.80 Td (215) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 471.81 Td (439) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 471.81 Td (732) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 457.81 Td (Dividend income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 457.80 Td (388) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 457.81 Td (445) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 457.81 Td (437) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 443.80 Td (Total interest and dividend income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.50 443.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.25 443.80 Td (7,017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 443.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.25 443.81 Td (7,195) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.50 443.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 443.81 Td (6,919) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 415.85 Td (The following table presents realized gains and losses on the sale of investments. ) Tj ET Q q 0 0 0 rg BT 375.90 415.85 Td (The gross realized investment losses exclude losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 403.85 Td (from other) Tj ET Q q 0 0 0 rg BT 91.79 403.85 Td (-than-temporary impairment \(OTTI\):) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 365.35 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.00 365.35 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 365.35 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.00 365.35 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 379.35 m 407 379.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407 379.35 m 466 379.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466 379.35 m 526 379.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526 379.35 m 586 379.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407 379.35 m 466 379.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466 379.35 m 526 379.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407 351.35 m 466 351.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466 351.35 m 526 351.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526 351.35 m 586 351.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 351.35 m 407 351.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 337.35 m 407 337.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407 351.35 m 466 351.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 407 337.35 m 466 337.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466 351.35 m 526 351.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 466 337.35 m 526 337.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 526 337.35 m 586 337.35 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 383.60 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 383.80 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 383.81 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.50 383.81 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 369.81 Td (Gross realized investment gains) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.50 369.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.25 369.80 Td (1,124) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 369.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.25 369.81 Td (1,020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.50 369.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.25 369.81 Td (1,606) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 355.81 Td (Gross realized investment losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.00 355.80 Td (\(442) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.50 355.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 355.81 Td (\(450) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 355.81 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.00 355.81 Td (\(858) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 582.50 355.81 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 341.80 Td (Net realized gains on sale of investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.50 341.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 341.80 Td (682) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 341.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 341.81 Td (570) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.50 341.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.00 341.81 Td (748) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 313.85 Td (The Company has sold certain debt securities that were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 301.85 Td (classified as HTM. ) Tj ET Q q 0 0 0 rg BT 127.63 301.85 Td (These sales were in response to significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 289.85 Td (deterioration in the creditworthiness of the issuers or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 277.85 Td (securities or because the Company has collected a substantial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 265.85 Td (portion \(at least ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.76 265.85 Td (85%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.09 265.85 Td (\) of the principal outstanding at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 253.85 Td (acquisition of the security) Tj ET Q q 0 0 0 rg BT 152.43 253.85 Td (. In addition, certain other securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 241.85 Td (were reclassified to ) Tj ET Q q 0 0 0 rg BT 129.19 241.85 Td (AFS investments in response to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 313.85 Td (significant credit deterioration. Because the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 301.85 Td (generally intends to sell these reclassified securities, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 289.85 Td (recorded OTTI on the securities. ) Tj ET Q q 0 0 0 rg BT 467.79 289.85 Td (The following table sets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 277.85 Td (forth, for the periods indicated, the carrying value of HTM ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 265.85 Td (securities sold and reclassified to ) Tj ET Q q 0 0 0 rg BT 469.38 265.85 Td (AFS, as well as the related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 253.85 Td (gain \(loss\) or the OTTI losses recorded on these securities. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 203.35 356.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 203.35 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 203.35 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 203.35 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 175.35 356.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.00 175.35 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 175.35 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 175.35 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 217.35000000000002 m 344 217.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344 217.35000000000002 m 406 217.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406 217.35000000000002 m 466 217.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466 217.35000000000002 m 525 217.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 217.35000000000002 m 585 217.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 161.35000000000002 m 344 161.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 344 161.35000000000002 m 406 161.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 406 161.35000000000002 m 466 161.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 466 161.35000000000002 m 525 161.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 525 161.35000000000002 m 585 161.35000000000002 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 221.60 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.50 221.80 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 221.81 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 221.81 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 207.81 Td (Carrying value of HTM securities sold) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.50 207.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 207.80 Td (392) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 207.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 207.81 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 207.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 207.81 Td (935) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 193.81 Td (Net realized gain \(loss\) on sale of HTM securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.50 193.80 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.50 193.81 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.00 193.81 Td (\(128) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 581.50 193.81 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 179.81 Td (Carrying value of securities reclassified to AFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 179.80 Td (243) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 179.81 Td (889) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 179.81 Td (989) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 165.81 Td (OTTI losses on securities reclassified to AFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.50 165.80 Td (\(15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.50 165.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.50 165.81 Td (\(25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.50 165.81 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.00 165.81 Td (\(156) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 581.50 165.81 Td (\)) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 379 0 obj <> endobj 380 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (187) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 742.25 Td (Securities ) Tj ET Q q 0 0 0 rg BT 93.10 742.25 Td (A) Tj ET Q q 0 0 0 rg BT 99.58 742.25 Td (vailable-for) Tj ET Q q 0 0 0 rg BT 148.65 742.25 Td (-Sale) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.25 Td (The amortized cost and fair value of ) Tj ET Q q 0 0 0 rg BT 196.38 730.25 Td (AFS securities at December 31 were as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 673.75 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 673.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.00 673.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 673.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 673.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 673.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 673.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 673.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 543.00 673.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 645.75 160.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 645.75 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.00 645.75 48.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 645.75 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 645.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 645.75 48.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 645.75 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 645.75 48.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 543.00 645.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 608.75 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 608.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.00 608.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 608.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 608.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 608.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 608.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 608.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 543.00 608.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 580.75 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 580.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.00 580.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 580.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 580.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 580.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 580.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 580.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 543.00 580.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 552.75 160.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 552.75 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.00 552.75 48.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 552.75 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 552.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 552.75 48.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 552.75 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 552.75 48.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 543.00 552.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 515.75 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 515.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.00 515.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 515.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 515.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 515.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 515.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 515.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 543.00 515.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 478.75 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 478.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.00 478.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 478.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 478.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 478.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 478.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 478.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 543.00 478.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 450.75 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 450.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.00 450.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 450.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 450.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 450.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 450.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 450.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 543.00 450.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 422.75 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 422.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.00 422.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 422.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 422.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 422.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 422.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 422.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 543.00 422.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 394.75 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.00 394.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.00 394.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 394.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.00 394.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 394.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 394.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.00 394.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 543.00 394.75 42.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 705.75 m 259 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 705.75 m 307 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 705.75 m 356 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 705.75 m 398 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 719.75 m 398 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 705.75 m 446 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 705.75 m 495 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 705.75 m 543 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 705.75 m 585 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 673.75 m 210 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 673.75 m 259 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 673.75 m 307 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 673.75 m 356 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 673.75 m 398 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 705.75 m 398 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 673.75 m 446 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 673.75 m 495 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 673.75 m 543 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 673.75 m 585 673.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 673.75 m 398 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 659.75 m 398 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 645.75 m 398 622.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 622.75 m 398 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 608.75 m 398 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 594.75 m 398 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 566.75 m 259 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 566.75 m 307 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 566.75 m 356 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 566.75 m 398 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 580.75 m 398 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 566.75 m 446 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 566.75 m 495 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 566.75 m 543 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 566.75 m 585 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 566.75 m 210 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 552.75 m 210 552.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 566.75 m 259 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 552.75 m 259 552.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 566.75 m 307 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 552.75 m 307 552.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 566.75 m 356 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 552.75 m 356 552.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 566.75 m 398 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 552.75 m 398 552.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 566.75 m 398 552.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 566.75 m 446 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 552.75 m 446 552.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 566.75 m 495 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 552.75 m 495 552.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 566.75 m 543 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 552.75 m 543 552.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 566.75 m 585 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 552.75 m 585 552.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 552.75 m 398 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 529.75 m 398 515.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 501.75 m 259 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 501.75 m 307 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 501.75 m 356 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 501.75 m 398 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 515.75 m 398 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 501.75 m 446 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 501.75 m 495 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 501.75 m 543 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 501.75 m 585 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 501.75 m 210 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 478.75 m 210 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 501.75 m 259 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 501.75 m 307 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 478.75 m 307 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 501.75 m 356 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 478.75 m 356 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 501.75 m 398 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 478.75 m 398 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 501.75 m 398 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 501.75 m 446 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 478.75 m 446 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 501.75 m 495 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 478.75 m 495 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 501.75 m 543 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 478.75 m 543 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 501.75 m 585 501.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 478.75 m 585 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 478.75 m 259 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 478.75 m 307 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 478.75 m 356 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 478.75 m 398 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 478.75 m 398 464.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 478.75 m 446 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 478.75 m 495 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 478.75 m 543 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 478.75 m 585 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 464.75 m 398 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 450.75 m 398 436.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 436.75 m 398 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 422.75 m 398 408.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 408.75 m 210 408.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 394.75 m 210 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 408.75 m 259 408.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 394.75 m 259 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 408.75 m 307 408.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 394.75 m 307 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 408.75 m 356 408.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 394.75 m 356 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 408.75 m 398 408.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 394.75 m 398 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 408.75 m 398 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 408.75 m 446 408.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 394.75 m 446 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 408.75 m 495 408.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 394.75 m 495 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 408.75 m 543 408.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 394.75 m 543 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 408.75 m 585 408.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 394.75 m 585 394.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 394.75 m 398 380.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 380.75 m 210 380.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 366.75 m 210 366.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210 380.75 m 259 380.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 210 366.75 m 259 366.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259 380.75 m 307 380.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 259 366.75 m 307 366.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 380.75 m 356 380.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 307 366.75 m 356 366.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356 380.75 m 398 380.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 356 366.75 m 398 366.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 380.75 m 398 366.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 380.75 m 446 380.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 398 366.75 m 446 366.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 380.75 m 495 380.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446 366.75 m 495 366.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495 380.75 m 543 380.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 495 366.75 m 543 366.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 543 380.75 m 585 380.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 543 366.75 m 585 366.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 710.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.50 710.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 710.21 Td (2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 678.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.50 687.20 Td (Amortized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.50 678.20 Td (cost) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.30 696.20 Td (Gr) Tj ET Q q 0 0 0 rg BT 282.13 696.20 Td (oss) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.30 687.20 Td (unr) Tj ET Q q 0 0 0 rg BT 276.14 687.20 Td (ealized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.45 678.20 Td (gains) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.80 696.20 Td (Gr) Tj ET Q q 0 0 0 rg BT 330.63 696.20 Td (oss) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.80 687.20 Td (unr) Tj ET Q q 0 0 0 rg BT 324.64 687.20 Td (ealized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.20 678.20 Td (losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.30 687.20 Td (Fair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.20 678.20 Td (value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.25 687.21 Td (Amortized) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.25 678.21 Td (cost) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.45 696.21 Td (Gross) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.25 687.21 Td (unrealized) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.50 678.21 Td (gains) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.95 696.21 Td (Gross) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.75 687.21 Td (unrealized) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.70 678.21 Td (losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 687.21 Td (Fair) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.75 678.21 Td (value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 664.20 Td (Debt securities AFS) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 212.50 664.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.50 664.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.50 664.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 664.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 664.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 664.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 664.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 664.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 650.21 Td (Mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 152.21 654.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 212.50 650.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.50 650.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.50 650.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 650.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 650.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 650.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 650.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 650.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 636.21 Td (U.S. government-sponsored agency) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 627.21 Td (guaranteed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.50 627.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.75 627.20 Td (39,584) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.50 627.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.00 627.20 Td (367) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 627.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 627.20 Td (237) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 627.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.75 627.20 Td (39,714) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 627.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 627.21 Td (35,647) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 627.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 627.21 Td (603) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 627.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 627.21 Td (159) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 627.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 627.21 Td (36,091) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 613.21 Td (Prime) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.00 613.20 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.50 613.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 613.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.00 613.20 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.50 613.21 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.50 613.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.50 613.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 613.21 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 599.21 Td (Alt-A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 246.50 599.20 Td (50) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.00 599.20 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 599.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.50 599.20 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.50 599.21 Td (43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 599.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.50 599.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 599.21 Td (44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 585.21 Td (Non-U.S. residential) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 235.25 585.20 Td (5,909) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.50 585.20 Td (31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 585.20 Td (11) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.25 585.20 Td (5,929) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.25 585.21 Td (8,247) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.50 585.21 Td (67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 585.21 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 585.21 Td (8,307) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 571.21 Td (Commercial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.00 571.20 Td (573) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.00 571.20 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.00 571.20 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 571.20 Td (571) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 571.21 Td (551) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 571.21 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 571.21 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 571.21 Td (554) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 557.21 Td (Total mortgage-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.50 557.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.75 557.20 Td (46,118) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.50 557.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.00 557.20 Td (405) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 557.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 557.20 Td (252) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 557.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.75 557.20 Td (46,271) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 557.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 557.21 Td (44,500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 557.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 557.21 Td (677) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 557.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 557.21 Td (169) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 557.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 557.21 Td (45,008) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 543.21 Td (U.S. Treasury and federal agency) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 534.21 Td (securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 212.50 534.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.50 534.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.50 534.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 534.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 534.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 534.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 534.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 534.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 520.21 Td (U.S. Treasury) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.50 520.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.25 520.20 Td (113,096) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.50 520.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.00 520.20 Td (254) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 520.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 520.20 Td (515) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 520.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.25 520.20 Td (112,835) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 520.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 520.21 Td (110,492) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 520.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 520.21 Td (353) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 520.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 520.21 Td (127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 520.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 520.21 Td (110,718) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 506.21 Td (Agency obligations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.75 506.20 Td (10,095) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.50 506.20 Td (22) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 506.20 Td (37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.75 506.20 Td (10,080) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 506.21 Td (12,925) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.50 506.21 Td (60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.50 506.21 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 506.21 Td (12,972) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 492.21 Td (Total U.S. Treasury and federal agency) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 483.21 Td (securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.50 483.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.25 483.20 Td (123,191) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.50 483.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.00 483.20 Td (276) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 483.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 483.20 Td (552) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 483.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.25 483.20 Td (122,915) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 483.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 483.21 Td (123,417) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 483.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 483.21 Td (413) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 483.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 483.21 Td (140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 483.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 483.21 Td (123,690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 469.21 Td (State and municipal) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 123.98 473.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.50 469.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.75 469.20 Td (12,099) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.50 469.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.00 469.20 Td (132) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 469.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 469.20 Td (772) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 469.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.75 469.20 Td (11,459) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 469.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 469.21 Td (13,526) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 469.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 469.21 Td (150) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 469.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 469.21 Td (977) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 469.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 469.21 Td (12,699) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 455.21 Td (Foreign government) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.75 455.20 Td (92,384) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.00 455.20 Td (410) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 455.20 Td (593) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.75 455.20 Td (92,201) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 455.21 Td (90,249) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 455.21 Td (734) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 455.21 Td (286) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 455.21 Td (90,697) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 441.21 Td (Corporate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.75 441.20 Td (15,859) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.00 441.20 Td (121) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 441.20 Td (177) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.75 441.20 Td (15,803) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 441.21 Td (12,033) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 441.21 Td (215) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.50 441.21 Td (91) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 441.21 Td (12,157) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 427.21 Td (Asset-backed securities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 137.22 431.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 235.25 427.20 Td (9,261) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.00 427.20 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 427.20 Td (92) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.25 427.20 Td (9,174) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 427.21 Td (12,534) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.50 427.21 Td (30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.50 427.21 Td (58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 427.21 Td (12,506) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 413.21 Td (Other debt securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.00 413.20 Td (688) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.50 413.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.50 413.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 413.20 Td (688) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 413.21 Td (661) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.50 413.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.50 413.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 413.21 Td (661) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 399.21 Td (Total debt securities AFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.50 399.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.25 399.20 Td (299,600) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.50 399.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.25 399.20 Td (1,349) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 399.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.25 399.20 Td (2,438) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 399.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.25 399.20 Td (298,511) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 399.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 399.21 Td (296,920) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 399.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.25 399.21 Td (2,219) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 399.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.25 399.21 Td (1,721) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 399.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 399.21 Td (297,418) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 385.21 Td (Marketable equity securities AFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.50 385.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.00 385.20 Td (602) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.50 385.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.50 385.20 Td (26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 385.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.00 385.20 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 385.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 385.20 Td (625) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 385.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.25 385.21 Td (2,461) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 385.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 385.21 Td (308) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 385.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.50 385.21 Td (44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 385.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 385.21 Td (2,725) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 371.20 Td (Total securities AFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.50 371.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.25 371.20 Td (300,202) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.50 371.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.25 371.20 Td (1,375) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 371.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.25 371.20 Td (2,441) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 371.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.25 371.20 Td (299,136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 371.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.25 371.21 Td (299,381) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 371.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.25 371.21 Td (2,527) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.50 371.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.25 371.21 Td (1,765) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 371.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 371.21 Td (300,143) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 349.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 349.65 Td (The Company invests in mortgage-backed and asset-backed securities. ) Tj ET Q q 0 0 0 rg BT 295.50 349.65 Td (These securitizations are generally considered ) Tj ET Q q 0 0 0 rg BT 444.85 349.65 Td (VIEs. ) Tj ET Q q 0 0 0 rg BT 465.14 349.65 Td (The Company) Tj ET Q q 0 0 0 rg BT 512.91 349.65 Td (s maximum exposure ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 340.05 Td (to loss from these ) Tj ET Q q 0 0 0 rg BT 126.02 340.05 Td (VIEs is equal to the carrying amount of the securities, which is reflected in the table above. For mortgage-backed and asset-backed ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 330.45 Td (securitizations in which the Company has other involvement, see Note) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 295.22 330.45 Td (22) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.22 330.45 Td ( to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 320.85 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 320.85 Td (The gross unrealized losses on state and municipal debt securities are primarily attributable to the ef) Tj ET Q q 0 0 0 rg BT 387.47 320.85 Td (fects of fair value hedge accounting. Specifically) Tj ET Q q 0 0 0 rg BT 545.55 320.85 Td (, Citi ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 311.25 Td (hedges the LIBOR-benchmark interest rate component of certain fixed-rate tax-exempt state and municipal debt securities utilizing LIBOR-based interest rate ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 301.65 Td (swaps. During the hedge period, losses incurred on the LIBOR-hedging swaps recorded in earnings were substantially of) Tj ET Q q 0 0 0 rg BT 454.37 301.65 Td (fset by gains on the state and municipal ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 292.05 Td (debt securities attributable to changes in the LIBOR swap rate being hedged. However) Tj ET Q q 0 0 0 rg BT 346.20 292.05 Td (, because the LIBOR swap rate decreased significantly during the hedge ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 282.45 Td (period while the overall fair value of the municipal debt securities was relatively unchanged, the ef) Tj ET Q q 0 0 0 rg BT 383.68 282.45 Td (fect of reclassifying fair value gains on these securities from ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 67.50 272.85 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 150.29 272.85 Td (ehensive income \(loss\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 222.71 272.85 Td ( \(AOCI\) to earnings, attributable solely to changes in the LIBOR swap rate, resulted in net unrealized losses ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 263.25 Td (remaining in ) Tj ET Q q 0 0 0 rg BT 109.71 263.25 Td (AOCI that relate to the unhedged components of these securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 239.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.00 239.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.58 239.25 Td (, the amortized cost of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 227.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.76 227.25 Td (5,212) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.26 227.25 Td ( investments in equity and fixed income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 215.25 Td (securities exceeded their fair value by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.31 215.25 Td ($2,441 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.21 215.25 Td (. Of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 203.25 Td ($2,441 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.39 203.25 Td (, the gross unrealized losses on equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 191.25 Td (securities were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.69 191.25 Td ($3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.08 191.25 Td (. Of the remainder) Tj ET Q q 0 0 0 rg BT 225.98 191.25 Td (, $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.98 191.25 Td (1,331 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.88 191.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 179.25 Td (represented unrealized losses on fixed income investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 167.25 Td (that have been in a gross-unrealized-loss position for less than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 155.25 Td (a year and, of these, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.96 155.25 Td (94%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.29 155.25 Td ( were rated investment grade; and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 143.25 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.50 143.25 Td (1,107 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.39 143.25 Td ( represented unrealized losses on fixed income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 131.25 Td (investments that have been in a gross-unrealized-loss position ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 119.25 Td (for a year or more and, of these, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.00 119.25 Td (90%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.33 119.25 Td ( were rated investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 107.25 Td (grade. Of the $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.48 107.25 Td (1,107 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.37 107.25 Td ( mentioned above, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.46 107.25 Td ($746 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.85 107.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 95.25 Td (represent state and municipal securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 83.25 Td ( ) Tj ET Q q 0 0 0 rg BT 67.50 83.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.00 83.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.58 83.25 Td (, the ) Tj ET Q q 0 0 0 rg BT 177.75 83.25 Td (AFS mortgage-backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 71.25 Td (securities portfolio fair value balance of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.65 71.25 Td ($46,271 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.54 71.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 251.25 Td (consisted of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.80 251.25 Td ($39,714 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.69 251.25 Td ( of government-sponsored ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 239.25 Td (agency securities, and $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.77 239.25 Td (6,557 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.66 239.25 Td ( of privately sponsored ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 227.25 Td (securities, substantially all of which were backed by non-U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 215.25 Td (residential mortgages.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 203.25 Td (As discussed in more detail below) Tj ET Q q 0 0 0 rg BT 489.52 203.25 Td (, the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 191.25 Td (conducts periodic reviews of all securities with unrealized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 179.25 Td (losses to evaluate whether the impairment is other) Tj ET Q q 0 0 0 rg BT 535.27 179.25 Td (-than-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 167.25 Td (temporary) Tj ET Q q 0 0 0 rg BT 375.69 167.25 Td (. ) Tj ET Q q 0 0 0 rg BT 380.14 167.25 Td (Any credit-related impairment related to debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 155.25 Td (securities is recorded in earnings as OTTI. Non-credit-related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 143.25 Td (impairment is recognized in ) Tj ET Q q 0 0 0 rg BT 449.11 143.25 Td (AOCI if the Company does not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 131.25 Td (plan to sell and is not likely to be required to sell the security) Tj ET Q q 0 0 0 rg BT 578.71 131.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 119.25 Td (For other debt securities with OTTI, the entire impairment is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 107.25 Td (recognized in the Consolidated Statement of Income.) Tj ET Q endstream endobj 381 0 obj <> endobj 382 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (188) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 742.10 Td (The table below shows the fair value of ) Tj ET Q q 0 0 0 rg BT 231.95 742.10 Td (AFS securities that have been in an unrealized loss position for less than 12months or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (for 12months or longer:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 673.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 673.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 673.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 673.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 673.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 673.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 673.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 645.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 645.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 645.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 645.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 645.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 645.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 645.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 617.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 617.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 617.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 617.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 617.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 617.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 617.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 589.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 589.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 589.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 589.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 589.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 589.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 589.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 561.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 561.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 561.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 561.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 561.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 561.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 561.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 533.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 533.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 533.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 533.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 533.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 533.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 533.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 505.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 505.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 505.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 505.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 505.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 505.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 505.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 477.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 477.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 477.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 477.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 477.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 477.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 477.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 449.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 449.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 449.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 449.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 449.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 449.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 449.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 421.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 421.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 421.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 421.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 421.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 421.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 421.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 393.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 393.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 393.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 393.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 393.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 393.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 393.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 365.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 365.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.00 365.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 365.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 365.60 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 365.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.00 365.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 337.60 258.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.00 337.60 45.00 -14.00 re f /GS0 gs 0.8 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9.00 Tf ET q 0 0 0 rg BT 329.25 594.05 Td (2,217) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 594.05 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.00 594.05 Td (825) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 594.05 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.25 594.05 Td (3,042) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.50 594.05 Td (11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 580.06 Td (Commercial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.00 580.05 Td (291) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 580.05 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.50 580.05 Td (55) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 580.05 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 580.05 Td (346) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 577.00 580.05 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 566.06 Td (Total mortgage-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.50 566.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.75 566.05 Td (20,324) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.50 566.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 566.05 Td (151) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.50 566.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.25 566.05 Td (3,499) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.50 566.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 566.05 Td (101) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 566.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.75 566.05 Td (23,823) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.50 566.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.00 566.05 Td (252) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 552.06 Td (U.S. Treasury and federal agency securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.50 552.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.50 552.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.50 552.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 552.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 552.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.50 552.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 538.06 Td (U.S. Treasury) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.50 538.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.75 538.05 Td (59,384) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.50 538.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 538.05 Td (505) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.50 538.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.25 538.05 Td (1,204) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.50 538.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 538.05 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 538.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.75 538.05 Td (60,588) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.50 538.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.00 538.05 Td (515) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 524.06 Td (Agency obligations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.25 524.05 Td (6,716) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.50 524.05 Td (30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.00 524.05 Td (196) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 524.05 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.25 524.05 Td (6,912) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.50 524.05 Td (37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 510.06 Td (Total U.S. Treasury and federal agency securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.50 510.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.75 510.05 Td (66,100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.50 510.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 510.05 Td (535) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.50 510.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.25 510.05 Td (1,400) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.50 510.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 510.05 Td (17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 510.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.75 510.05 Td (67,500) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.50 510.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.00 510.05 Td (552) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 496.06 Td (State and municipal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.50 496.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.00 496.05 Td (635) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.50 496.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.50 496.05 Td (26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.50 496.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.25 496.05 Td (4,450) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.50 496.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 496.05 Td (746) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 496.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.25 496.05 Td (5,085) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.50 496.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.00 496.05 Td (772) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 482.06 Td (Foreign government) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.75 482.05 Td (35,491) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 482.05 Td (429) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.25 482.05 Td (4,642) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 482.05 Td (164) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.75 482.05 Td (40,133) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.00 482.05 Td (593) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 468.06 Td (Corporate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.25 468.05 Td (5,586) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 468.05 Td (132) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.25 468.05 Td (1,298) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 468.05 Td (45) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.25 468.05 Td (6,884) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.00 468.05 Td (177) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 454.06 Td (Asset-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.25 454.05 Td (5,311) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.50 454.05 Td (58) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.25 454.05 Td (2,247) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 454.05 Td (34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.25 454.05 Td (7,558) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.50 454.05 Td (92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 440.06 Td (Other debt securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.50 440.05 Td (27) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.50 440.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.50 440.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 440.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.50 440.05 Td (27) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.50 440.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 426.06 Td (Marketable equity securities AFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.00 426.05 Td (132) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 426.05 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.00 426.05 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.50 426.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 426.05 Td (133) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 577.00 426.05 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 412.05 Td (Total securities AFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.50 412.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.25 412.05 Td (133,606) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.50 412.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 376.25 412.05 Td (1,334) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.50 412.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.75 412.05 Td (17,537) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.50 412.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.25 412.05 Td (1,107) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 412.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.25 412.05 Td (151,143) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.50 412.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.25 412.05 Td (2,441) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 398.06 Td (December 31, 2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 398.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.50 398.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.50 398.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.50 398.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.50 398.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 581.50 398.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 384.05 Td (Securities AFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 384.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.50 384.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.50 384.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.50 384.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.50 384.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 581.50 384.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 370.06 Td (Mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.50 370.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.50 370.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 370.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 370.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.50 370.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 581.50 370.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 356.06 Td (U.S. government-sponsored agency guaranteed) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.50 356.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.25 356.06 Td (4,198) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.50 356.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.50 356.06 Td (30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.50 356.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 356.06 Td (5,547) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 356.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 356.06 Td (129) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 356.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.25 356.06 Td (9,745) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.50 356.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 356.06 Td (159) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 342.06 Td (Prime) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 345.00 342.06 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.50 342.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.00 342.06 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 342.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 342.06 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 342.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 328.06 Td (Non-U.S. residential) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.25 328.06 Td (1,276) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 328.06 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.00 328.06 Td (199) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.00 328.06 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.25 328.06 Td (1,475) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 577.00 328.06 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 314.06 Td (Commercial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 314.06 Td (124) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 314.06 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.00 314.06 Td (136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.00 314.06 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 314.06 Td (260) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 577.00 314.06 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 300.06 Td (Total mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.50 300.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.25 300.06 Td (5,603) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.50 300.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.50 300.06 Td (34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.50 300.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 300.06 Td (5,884) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 300.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 300.06 Td (135) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 300.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 300.06 Td (11,487) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.50 300.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 300.06 Td (169) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 286.06 Td (U.S. Treasury and federal agency securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.50 286.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.50 286.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.50 286.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 286.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.50 286.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 581.50 286.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 272.06 Td (U.S. Treasury) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.50 272.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 272.06 Td (36,581) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.50 272.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 272.06 Td (119) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.50 272.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 272.06 Td (1,013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 272.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.00 272.06 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 272.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 272.06 Td (37,594) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.50 272.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 272.06 Td (127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 258.06 Td (Agency obligations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.25 258.06 Td (5,698) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 258.06 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.00 258.06 Td (754) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.00 258.06 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.25 258.06 Td (6,452) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 258.06 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 244.06 Td (Total U.S. Treasury and federal agency securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.50 244.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 244.06 Td (42,279) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.50 244.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 244.06 Td (128) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.50 244.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 244.06 Td (1,767) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 244.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 244.06 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 244.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 244.06 Td (44,046) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.50 244.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 244.06 Td (140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 230.06 Td (State and municipal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.50 230.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 230.06 Td (386) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.50 230.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.50 230.06 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.50 230.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 230.06 Td (5,802) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 230.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 230.06 Td (962) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 230.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.25 230.06 Td (6,188) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.50 230.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 230.06 Td (977) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 216.06 Td (Foreign government) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 216.06 Td (18,495) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 216.06 Td (147) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 216.06 Td (5,984) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 216.06 Td (139) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 216.06 Td (24,479) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 216.06 Td (286) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 202.06 Td (Corporate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.25 202.06 Td (3,511) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.50 202.06 Td (63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 202.06 Td (1,350) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 202.06 Td (28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.25 202.06 Td (4,861) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 202.06 Td (91) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 188.06 Td (Asset-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.25 188.06 Td (3,701) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.50 188.06 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 188.06 Td (3,816) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 188.06 Td (45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.25 188.06 Td (7,517) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 188.06 Td (58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 174.06 Td (Marketable equity securities AFS) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.50 174.06 Td (51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 174.06 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.00 174.06 Td (218) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 174.06 Td (40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 174.06 Td (269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 174.06 Td (44) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 160.05 Td (Total securities AFS) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.50 160.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.75 160.06 Td (74,026) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.50 160.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 160.06 Td (404) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.50 160.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 160.06 Td (24,821) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 160.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.25 160.06 Td (1,361) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 160.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 160.06 Td (98,847) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.50 160.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 160.06 Td (1,765) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 383 0 obj <> endobj 384 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (189) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 742.10 Td (The following table presents the amortized cost and fair value of ) Tj ET Q q 0 0 0 rg BT 327.69 742.10 Td (AFS debt securities by contractual maturity dates:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 666.60 337.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 666.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.00 666.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 666.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 666.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 638.60 337.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 638.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.00 638.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 638.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 638.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 610.60 337.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 610.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.00 610.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 610.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 610.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 582.60 337.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 582.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.00 582.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 582.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 582.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 554.60 337.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 554.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.00 554.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 554.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 554.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 526.60 337.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 526.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.00 526.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 526.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 526.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 498.60 337.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 498.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.00 498.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 498.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 498.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 470.60 337.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 470.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.00 470.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 470.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 470.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 442.60 337.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 442.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.00 442.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 442.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 442.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 414.60 337.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 414.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.00 414.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 414.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 414.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 386.60 337.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 386.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.00 386.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 386.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 386.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 358.60 337.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 358.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.00 358.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 358.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 358.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 330.60 337.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 330.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.00 330.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 330.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 330.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 302.60 337.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 302.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.00 302.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 302.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 302.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 274.60 337.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 274.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.00 274.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 274.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 274.60 50.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 717.6 m 436 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436 717.6 m 486 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 717.6 m 535 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 717.6 m 585 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 703.6 m 436 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436 703.6 m 486 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 717.6 m 486 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 703.6 m 535 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 703.6 m 585 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 680.6 m 387 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 680.6 m 436 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436 680.6 m 486 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 703.6 m 486 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 680.6 m 535 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 680.6 m 585 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 680.6 m 486 666.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 666.6 m 486 652.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 652.6 m 486 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 638.6 m 486 624.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 610.6 m 436 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436 610.6 m 486 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 624.6 m 486 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 610.6 m 535 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 610.6 m 585 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 610.6 m 387 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 596.6 m 387 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 610.6 m 436 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 596.6 m 436 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436 610.6 m 486 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436 596.6 m 486 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 610.6 m 486 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 610.6 m 535 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 596.6 m 535 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 610.6 m 585 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 596.6 m 585 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 596.6 m 486 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 582.6 m 486 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 568.6 m 486 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 554.6 m 486 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 526.6 m 436 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436 526.6 m 486 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 540.6 m 486 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 526.6 m 535 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 526.6 m 585 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 526.6 m 387 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 512.6 m 387 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 526.6 m 436 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 512.6 m 436 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436 526.6 m 486 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436 512.6 m 486 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 526.6 m 486 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 526.6 m 535 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 512.6 m 535 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 526.6 m 585 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 512.6 m 585 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 512.6 m 486 498.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 498.6 m 486 484.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 484.6 m 486 470.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 470.6 m 486 456.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 442.6 m 436 442.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436 442.6 m 486 442.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 456.6 m 486 442.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 442.6 m 535 442.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 442.6 m 585 442.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 442.6 m 387 442.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 428.6 m 387 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 442.6 m 436 442.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 428.6 m 436 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436 442.6 m 486 442.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436 428.6 m 486 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 442.6 m 486 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 442.6 m 535 442.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 428.6 m 535 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 442.6 m 585 442.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 428.6 m 585 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 428.6 m 486 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 414.6 m 486 400.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 400.6 m 486 386.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 386.6 m 486 372.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 358.6 m 436 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436 358.6 m 486 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 372.6 m 486 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 358.6 m 535 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 358.6 m 585 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 358.6 m 387 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 344.6 m 387 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 358.6 m 436 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 344.6 m 436 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436 358.6 m 486 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436 344.6 m 486 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 358.6 m 486 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 358.6 m 535 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 344.6 m 535 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 358.6 m 585 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 344.6 m 585 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 344.6 m 486 330.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 330.6 m 486 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 316.6 m 486 302.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 302.6 m 486 288.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 274.6 m 436 274.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436 274.6 m 486 274.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 288.6 m 486 274.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 274.6 m 535 274.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 274.6 m 585 274.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 274.6 m 387 274.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 260.6 m 387 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 274.6 m 436 274.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387 260.6 m 436 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436 274.6 m 486 274.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436 260.6 m 486 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 274.6 m 486 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 274.6 m 535 274.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 260.6 m 535 260.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 274.6 m 585 274.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 260.6 m 585 260.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 246.60000000000002 m 387 246.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 387 246.60000000000002 m 436 246.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436 260.6 m 486 260.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 436 246.60000000000002 m 486 246.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 260.6 m 486 246.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 486 246.60000000000002 m 535 246.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 535 246.60000000000002 m 585 246.60000000000002 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.30 722.05 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 708.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 708.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.00 708.06 Td (2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 684.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.50 694.05 Td (Amortized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.50 685.05 Td (cost) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.30 694.05 Td (Fair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.20 685.05 Td (value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.75 694.06 Td (Amortized) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.75 685.06 Td (cost) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 694.06 Td (Fair) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 685.06 Td (value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 671.05 Td (Mortgage-backed securities) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 158.72 675.13 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.50 671.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 671.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 671.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 671.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 657.06 Td (Due within 1year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 657.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.00 657.05 Td (114) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 657.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.00 657.05 Td (114) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 657.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 657.06 Td (44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 657.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 657.06 Td (44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 643.06 Td (After 1 but within 5years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.25 643.05 Td (1,408) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.25 643.05 Td (1,411) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 643.06 Td (931) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 643.06 Td (935) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 629.06 Td (After 5 but within 10years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.25 629.05 Td (1,750) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.25 629.05 Td (1,751) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 629.06 Td (1,362) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 629.06 Td (1,387) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 615.06 Td (After 10years) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 103.98 619.14 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.75 615.05 Td (42,846) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 615.05 Td (42,995) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.75 615.06 Td (42,163) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 615.06 Td (42,642) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 601.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 601.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.75 601.05 Td (46,118) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 601.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 601.05 Td (46,271) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 601.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.75 601.06 Td (44,500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 601.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 601.06 Td (45,008) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 587.05 Td (U.S. Treasury and federal agency securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.50 587.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 587.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 587.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 587.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 573.06 Td (Due within 1year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 573.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.25 573.05 Td (3,016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 573.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.25 573.05 Td (3,014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 573.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.75 573.06 Td (13,070) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 573.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 573.06 Td (13,084) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 559.06 Td (After 1 but within 5years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.25 559.05 Td (107,034) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 559.05 Td (106,878) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.25 559.06 Td (104,982) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 559.06 Td (105,131) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 545.06 Td (After 5 but within 10years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.75 545.05 Td (12,786) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 545.05 Td (12,684) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 545.06 Td (2,286) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 545.06 Td (2,325) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 531.06 Td (After 10years) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 103.98 535.14 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.00 531.05 Td (355) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.00 531.05 Td (339) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 531.06 Td (3,079) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 531.06 Td (3,150) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 517.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 517.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.25 517.05 Td (123,191) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 517.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 517.05 Td (122,915) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 517.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.25 517.06 Td (123,417) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 517.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 517.06 Td (123,690) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 503.05 Td (State and municipal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.50 503.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 503.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 503.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 503.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 489.06 Td (Due within 1year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 489.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.25 489.05 Td (3,289) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 489.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.25 489.05 Td (3,287) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 489.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 489.06 Td (652) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 489.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 489.06 Td (651) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 475.06 Td (After 1 but within 5years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.25 475.05 Td (1,781) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.25 475.05 Td (1,781) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 475.06 Td (4,387) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 475.06 Td (4,381) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 461.06 Td (After 5 but within 10years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.00 461.05 Td (502) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.00 461.05 Td (516) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 461.06 Td (524) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 461.06 Td (537) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 447.06 Td (After 10years) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 103.98 451.14 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.25 447.05 Td (6,527) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.25 447.05 Td (5,875) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 447.06 Td (7,963) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 447.06 Td (7,130) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 433.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 433.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.75 433.05 Td (12,099) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 433.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 433.05 Td (11,459) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 433.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.75 433.06 Td (13,526) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 433.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 433.06 Td (12,699) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 419.05 Td (Foreign government) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.50 419.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 419.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 419.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 419.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 405.06 Td (Due within 1year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 405.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.75 405.05 Td (26,322) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 405.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 405.05 Td (26,329) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 405.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.75 405.06 Td (31,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 405.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 405.06 Td (31,382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 391.06 Td (After 1 but within 5years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.75 391.05 Td (44,801) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 391.05 Td (44,756) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.75 391.06 Td (41,913) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 391.06 Td (42,467) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 377.06 Td (After 5 but within 10years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.75 377.05 Td (18,935) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 377.05 Td (18,779) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.75 377.06 Td (16,008) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 377.06 Td (15,779) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 363.06 Td (After 10years) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 103.98 367.14 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.25 363.05 Td (2,326) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.25 363.05 Td (2,337) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 363.06 Td (973) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 363.06 Td (1,069) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 349.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 349.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.75 349.05 Td (92,384) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 349.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 349.05 Td (92,201) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 349.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.75 349.06 Td (90,249) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 349.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 349.06 Td (90,697) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 335.05 Td (All other) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 86.74 339.13 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.50 335.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 335.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 335.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 335.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 321.06 Td (Due within 1year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 321.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.25 321.05 Td (1,930) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 321.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.25 321.05 Td (1,931) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 321.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 321.06 Td (1,248) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 321.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 321.06 Td (1,251) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 307.06 Td (After 1 but within 5years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.75 307.05 Td (12,748) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 307.05 Td (12,762) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.75 307.06 Td (10,442) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 307.06 Td (10,535) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 293.06 Td (After 5 but within 10years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.25 293.05 Td (7,867) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.25 293.05 Td (7,782) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 293.06 Td (7,282) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 293.06 Td (7,318) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 279.06 Td (After 10years) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 103.98 283.14 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.25 279.05 Td (3,263) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.25 279.05 Td (3,190) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.25 279.06 Td (6,256) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 279.06 Td (6,220) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 265.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 265.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.75 265.05 Td (25,808) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 265.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 265.05 Td (25,665) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 265.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.75 265.06 Td (25,228) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 265.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 265.06 Td (25,324) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 251.05 Td (Total debt securities AFS) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 251.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.25 251.05 Td (299,600) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 251.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 251.05 Td (298,511) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.50 251.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.25 251.06 Td (296,920) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 251.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 251.06 Td (297,418) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 229.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 229.50 Td (Includes mortgage-backed securities of U.S. government-sponsored agencies.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 219.90 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 219.90 Td (Investments with no stated maturities are included as contractual maturities of greater than 10years. ) Tj ET Q q 0 0 0 rg BT 389.62 219.90 Td (Actual maturities may dif) Tj ET Q q 0 0 0 rg BT 471.45 219.90 Td (fer due to call or prepayment ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 210.30 Td (rights.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 200.70 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 200.70 Td (Includes corporate, asset-backed and other debt securities.) Tj ET Q endstream endobj 385 0 obj <> endobj 386 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (190) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 742.25 Td (Debt Securities Held-to-Maturity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.25 Td (The carrying value and fair value of debt securities HTM were as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 650.75 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 650.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 650.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 650.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.00 650.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 650.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 622.75 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.00 622.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 622.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 622.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 622.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.00 622.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 622.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 594.75 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.00 594.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 594.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 594.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 594.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.00 594.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 594.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 566.75 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.00 566.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 566.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 566.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 566.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.00 566.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 566.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 538.75 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.00 538.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 538.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 538.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 538.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.00 538.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 538.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 510.75 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.00 510.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 510.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 510.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 510.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.00 510.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 510.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 482.75 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.00 482.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 482.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 482.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 482.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.00 482.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 482.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 454.75 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.00 454.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 454.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 454.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 454.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.00 454.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 454.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 426.75 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.00 426.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 426.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 426.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 426.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.00 426.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 426.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 398.75 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.00 398.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 398.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 398.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 398.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.00 398.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 398.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 370.75 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.00 370.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 370.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 370.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 370.75 60.00 -14.00 re f /GS0 gs 0.8 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0.9333333333333333 1 rg /GS0 gs 410.00 314.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.00 314.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 314.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 286.75 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.00 286.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.00 286.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 286.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 286.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.00 286.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 286.75 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 650.75 m 230 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230 650.75 m 290 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 650.75 m 350 650.75 l s 0 0 0 RG /GS0 gs 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3 M 530 594.75 m 530 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 580.75 m 350 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 580.75 m 530 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 566.75 m 350 552.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 566.75 m 530 552.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 552.75 m 350 538.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 552.75 m 530 538.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 538.75 m 350 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 538.75 m 530 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 524.75 m 230 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 510.75 m 230 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230 524.75 m 290 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230 510.75 m 290 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 524.75 m 350 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 524.75 m 350 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 510.75 m 350 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 524.75 m 410 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 510.75 m 410 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 524.75 m 470 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 510.75 m 470 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 524.75 m 530 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470 524.75 m 530 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470 510.75 m 530 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 524.75 m 590 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 510.75 m 590 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 510.75 m 350 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 510.75 m 530 496.75 l s 0 0 0 RG /GS0 gs 1.00 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i [] 0 d 0 J 0 j 3 M 230 328.75 m 290 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230 314.75 m 290 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 328.75 m 350 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 328.75 m 350 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 314.75 m 350 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 328.75 m 410 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 314.75 m 410 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 328.75 m 470 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 314.75 m 470 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 328.75 m 530 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470 328.75 m 530 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470 314.75 m 530 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 328.75 m 590 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 314.75 m 590 314.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 314.75 m 350 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 314.75 m 530 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 300.75 m 350 286.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 300.75 m 530 286.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 286.75 m 350 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 286.75 m 530 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 272.75 m 230 272.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 258.75 m 230 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230 272.75 m 290 272.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 230 258.75 m 290 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 272.75 m 350 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290 272.75 m 350 272.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 290 258.75 m 350 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 272.75 m 410 272.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 350 258.75 m 410 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 272.75 m 470 272.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 410 258.75 m 470 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 272.75 m 530 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470 272.75 m 530 272.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 470 258.75 m 530 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 272.75 m 590 272.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 530 258.75 m 590 258.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 655.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.00 664.20 Td (Amortized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 237.95 655.20 Td (cost basis) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 274.20 659.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.75 699.15 Td (Net ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.30 690.15 Td (unr) Tj ET Q q 0 0 0 rg BT 313.14 690.15 Td (ealized ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.45 681.15 Td (gains) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.75 672.15 Td (\(losses\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.95 663.15 Td (r) Tj ET Q q 0 0 0 rg BT 297.78 663.15 Td (ecognized in) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.70 654.15 Td (AOCI) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 664.20 Td (Carrying) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.80 655.20 Td (value) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 386.30 659.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.30 673.20 Td (Gr) Tj ET Q q 0 0 0 rg BT 439.13 673.20 Td (oss) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.30 664.20 Td (unr) Tj ET Q q 0 0 0 rg BT 433.14 664.20 Td (ealized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.45 655.20 Td (gains) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.30 673.20 Td (Gr) Tj ET Q q 0 0 0 rg BT 499.13 673.20 Td (oss) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.30 664.20 Td (unr) Tj ET Q q 0 0 0 rg BT 493.14 664.20 Td (ealized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.75 655.20 Td (\(losses\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.30 664.20 Td (Fair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.20 655.20 Td (value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 641.20 Td (December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.50 641.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 641.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.50 641.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 641.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 641.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 627.20 Td (Debt securities held-to-maturity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.50 627.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.50 627.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 627.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.50 627.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 627.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 627.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 613.21 Td (Mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 152.21 617.29 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.50 613.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.50 613.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 613.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.50 613.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 613.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 613.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 599.21 Td (U.S. government agency guaranteed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.50 599.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.75 599.20 Td (17,648) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.50 599.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 599.20 Td (138) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.50 599.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.75 599.20 Td (17,786) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 599.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 599.20 Td (71) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.50 599.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.00 599.20 Td (\(100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.50 599.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 532.50 599.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.75 599.20 Td (17,757) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 585.21 Td (Prime) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 585.20 Td (121) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 334.50 585.20 Td (\(78) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.50 585.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.50 585.20 Td (43) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.00 585.20 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.00 585.20 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.50 585.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 577.50 585.20 Td (45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 571.21 Td (Alt-A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.00 571.20 Td (433) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 571.20 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.50 571.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.00 571.20 Td (432) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 571.20 Td (259) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.00 571.20 Td (\(162) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.50 571.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 571.20 Td (529) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 557.21 Td (Subprime) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 557.20 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.50 557.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.00 557.20 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 557.20 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.50 557.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 577.50 557.20 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 543.21 Td (Non-U.S. residential) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.25 543.20 Td (1,330) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 334.50 543.20 Td (\(60) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.50 543.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.25 543.20 Td (1,270) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 543.20 Td (37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.50 543.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 566.25 543.20 Td (1,307) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 529.21 Td (Commercial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.50 529.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.50 529.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.50 529.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 529.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.50 529.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 577.50 529.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 515.21 Td (Total mortgage-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.50 515.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.75 515.20 Td (19,534) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.50 515.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 515.20 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.50 515.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.50 515.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.75 515.20 Td (19,533) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 515.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 515.20 Td (383) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.50 515.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.00 515.20 Td (\(263) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.50 515.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 532.50 515.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.75 515.20 Td (19,653) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 501.21 Td (State and municipal) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 123.98 505.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.50 501.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.25 501.20 Td (8,581) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.50 501.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.00 501.20 Td (\(438) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.50 501.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.50 501.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.25 501.20 Td (8,143) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 501.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 501.20 Td (245) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.50 501.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.50 501.20 Td (\(87) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.50 501.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 532.50 501.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 566.25 501.20 Td (8,301) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 487.21 Td (Foreign government) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.25 487.20 Td (4,068) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.50 487.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.25 487.20 Td (4,068) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 487.20 Td (28) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.00 487.20 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.50 487.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 566.25 487.20 Td (4,093) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 473.21 Td (Asset-backed securities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 137.22 477.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.25 473.20 Td (4,485) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 334.50 473.20 Td (\(14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.50 473.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.25 473.20 Td (4,471) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 473.20 Td (34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.50 473.20 Td (\(41) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.50 473.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 566.25 473.20 Td (4,464) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 459.20 Td (Total debt securities held-to-maturity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.50 459.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.75 459.20 Td (36,668) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.50 459.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.00 459.20 Td (\(453) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.50 459.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.50 459.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.75 459.20 Td (36,215) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 459.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 459.20 Td (690) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.50 459.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.00 459.20 Td (\(394) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.50 459.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 532.50 459.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.75 459.20 Td (36,511) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 445.21 Td (December 31, 2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.50 445.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.50 445.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.50 445.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.50 445.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 586.50 445.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 431.21 Td (Debt securities held-to-maturity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.50 431.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.50 431.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.50 431.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.50 431.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 431.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 586.50 431.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 417.21 Td (Mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 152.21 421.29 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.50 417.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.50 417.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.50 417.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.50 417.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 417.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 586.50 417.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 403.21 Td (U.S. government agency guaranteed) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.50 403.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 266.25 403.21 Td (8,795) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.50 403.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 403.21 Td (95) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 403.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.25 403.21 Td (8,890) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.50 403.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 403.21 Td (106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 403.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 403.21 Td (\(6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 403.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 403.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.25 403.21 Td (8,990) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 389.21 Td (Prime) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.50 389.21 Td (60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 389.21 Td (\(12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.50 389.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.50 389.21 Td (48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 389.21 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 389.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 389.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 577.50 389.21 Td (53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 375.21 Td (Alt-A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 266.25 375.21 Td (1,125) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.00 375.21 Td (\(213) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.50 375.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.00 375.21 Td (912) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 375.21 Td (537) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 375.21 Td (\(287) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 375.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.25 375.21 Td (1,162) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 361.21 Td (Subprime) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.00 361.21 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.00 361.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.50 361.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.00 361.21 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 361.21 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 361.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 577.50 361.21 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 347.21 Td (Non-U.S. residential) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 347.21 Td (983) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.00 347.21 Td (\(137) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.50 347.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.00 347.21 Td (846) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 347.21 Td (92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 347.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 347.21 Td (938) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 333.21 Td (Commercial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.00 333.21 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 333.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.00 333.21 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 333.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 333.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 582.00 333.21 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 319.21 Td (Total mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.50 319.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.75 319.21 Td (10,977) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.50 319.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.00 319.21 Td (\(268) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.50 319.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 319.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.75 319.21 Td (10,709) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.50 319.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 319.21 Td (757) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 319.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 319.21 Td (\(294) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 319.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 319.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 319.21 Td (11,172) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 305.21 Td (State and municipal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.50 305.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 266.25 305.21 Td (8,443) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.50 305.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.00 305.21 Td (\(494) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.50 305.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 305.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.25 305.21 Td (7,949) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.50 305.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 305.21 Td (227) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 305.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 305.21 Td (\(57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 305.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 305.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.25 305.21 Td (8,119) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 291.21 Td (Foreign government) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 266.25 291.21 Td (4,725) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.50 291.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.25 291.21 Td (4,725) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 291.21 Td (77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 291.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.25 291.21 Td (4,802) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 277.21 Td (Asset-backed securities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 137.22 281.29 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 277.21 Td (556) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 277.21 Td (\(18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.50 277.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.00 277.21 Td (538) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.50 277.21 Td (50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.50 277.21 Td (\(10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 277.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 277.21 Td (578) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 263.20 Td (T) Tj ET Q q 0 0 0 rg BT 57.68 263.20 Td (otal debt securities held-to-maturity) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 195.90 267.28 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.50 263.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.75 263.21 Td (24,701) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.50 263.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.00 263.21 Td (\(780) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.50 263.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 263.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.75 263.21 Td (23,921) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.50 263.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 263.21 Td (1,111) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 263.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 263.21 Td (\(361) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.50 263.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 263.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 263.21 Td (24,671) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 241.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 241.65 Td (For securities transferred to HTM from ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 195.02 241.65 Td (T) Tj ET Q q 0 0 0 rg BT 199.03 241.65 Td (rading account assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 268.80 241.65 Td (, amortized cost basis is defined as the fair value of the securities at the date of transfer plus any ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 232.05 Td (accretion income and less any impairments recognized in earnings subsequent to transfer) Tj ET Q q 0 0 0 rg BT 351.63 232.05 Td (. For securities transferred to HTM from ) Tj ET Q q 0 0 0 rg BT 482.71 232.05 Td (AFS, amortized cost is defined ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 222.45 Td (as the original purchase cost, adjusted for the cumulative accretion or amortization of any purchase discount or premium, plus or minus any cumulative fair value ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 212.85 Td (hedge adjustments, net of accretion or amortization, and less any other) Tj ET Q q 0 0 0 rg BT 293.04 212.85 Td (-than-temporary impairment recognized in earnings.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 203.25 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 203.25 Td (HTM securities are carried on the Consolidated Balance Sheet at amortized cost basis, plus or minus any unamortized unrealized gains and losses and fair value ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 193.65 Td (hedge adjustments recognized in ) Tj ET Q q 0 0 0 rg BT 173.69 193.65 Td (AOCI prior to reclassifying the securities from ) Tj ET Q q 0 0 0 rg BT 324.99 193.65 Td (AFS to HTM. Changes in the values of these securities are not reported in the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 184.05 Td (financial statements, except for the amortization of any dif) Tj ET Q q 0 0 0 rg BT 254.62 184.05 Td (ference between the carrying value at the transfer date and par value of the securities, and the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 174.45 Td (recognition of any non-credit fair value adjustments in ) Tj ET Q q 0 0 0 rg BT 243.45 174.45 Td (AOCI in connection with the recognition of any credit impairment in earnings related to securities the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 164.85 Td (Company continues to intend to hold until maturity) Tj ET Q q 0 0 0 rg BT 231.19 164.85 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 155.25 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 155.25 Td (The Company invests in mortgage-backed and asset-backed securities. ) Tj ET Q q 0 0 0 rg BT 295.50 155.25 Td (These securitizations are generally considered ) Tj ET Q q 0 0 0 rg BT 444.85 155.25 Td (VIEs. ) Tj ET Q q 0 0 0 rg BT 465.14 155.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 512.91 155.25 Td (s maximum exposure ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 145.65 Td (to loss from these ) Tj ET Q q 0 0 0 rg BT 126.02 145.65 Td (VIEs is equal to the carrying amount of the securities, which is reflected in the table above. For mortgage-backed and asset-backed ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 136.05 Td (securitizations in which the Company has other involvement, see Note) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 295.22 136.05 Td (22) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.22 136.05 Td ( to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 126.45 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 126.45 Td (The net unrealized losses recognized in ) Tj ET Q q 0 0 0 rg BT 195.01 126.45 Td (AOCI on state and municipal debt securities are primarily attributable to the ef) Tj ET Q q 0 0 0 rg BT 446.78 126.45 Td (fects of fair value hedge accounting ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 116.85 Td (applied when these debt securities were classified as ) Tj ET Q q 0 0 0 rg BT 236.77 116.85 Td (AFS. Specifically) Tj ET Q q 0 0 0 rg BT 293.14 116.85 Td (, Citi hedged the LIBOR-benchmark interest rate component of certain fixed-rate tax-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 107.25 Td (exempt state and municipal debt securities utilizing LIBOR-based interest rate swaps. During the hedge period, losses incurred on the LIBOR-hedging swaps ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 97.65 Td (recorded in earnings were substantially of) Tj ET Q q 0 0 0 rg BT 201.31 97.65 Td (fset by gains on the state and municipal debt securities attributable to changes in the LIBOR swap rate being hedged. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 88.05 Td (However) Tj ET Q q 0 0 0 rg BT 96.50 88.05 Td (, because the LIBOR swap rate decreased significantly during the hedge period while the overall fair value of the municipal debt securities was ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 78.45 Td (relatively unchanged, the ef) Tj ET Q q 0 0 0 rg BT 156.20 78.45 Td (fect of reclassifying fair value gains on these securities from ) Tj ET Q q 0 0 0 rg BT 350.80 78.45 Td (AOCI to earnings attributable solely to changes in the LIBOR swap rate ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 68.85 Td (resulted in net unrealized losses remaining in ) Tj ET Q q 0 0 0 rg BT 213.46 68.85 Td (AOCI that relate to the unhedged components of these securities. Upon transfer of these debt securities to HTM, all ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 59.25 Td (hedges have been de-designated and hedge accounting has ceased.) Tj ET Q endstream endobj 387 0 obj <> endobj 388 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (191) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 743.50 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 743.50 Td (During the second quarter of 2015, securities with a total fair value of approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 340.97 743.50 Td ($7.1 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 377.86 743.50 Td ( were transferred from ) Tj ET Q q 0 0 0 rg BT 451.16 743.50 Td (AFS to HTM, consisting of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.94 743.50 Td ($7.0 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 577.83 743.50 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 733.90 Td (of U.S. government agency mortgage-backed securities and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.54 733.90 Td ($0.1 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 297.43 733.90 Td ( of obligations of U.S. states and municipalities. During the second quarter of 2014, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 724.30 Td (securities with a total fair value of approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 227.00 724.30 Td ($1) Tj ET Q q 0 0 0 rg BT 234.70 724.30 Td (1.8 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 267.59 724.30 Td ( were transferred from ) Tj ET Q q 0 0 0 rg BT 340.89 724.30 Td (AFS to HTM, consisting of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 430.68 724.30 Td ($5.4 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 467.57 724.30 Td ( of U.S. government agency ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 714.70 Td (mortgage-backed securities and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 170.79 714.70 Td ($6.4 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 207.68 714.70 Td ( of obligations of U.S. states and municipalities. ) Tj ET Q q 0 0 0 rg BT 363.29 714.70 Td (The transfer reflects the Company) Tj ET Q q 0 0 0 rg BT 474.80 714.70 Td (s intent to hold these securities to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 705.10 Td (maturity or to issuer call in order to reduce the impact of price volatility on ) Tj ET Q q 0 0 0 rg BT 308.98 705.10 Td (AOCI and certain capital measures under Basel III. ) Tj ET Q q 0 0 0 rg BT 474.77 705.10 Td (While these securities were ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 695.50 Td (transferred to HTM at fair value as of the transfer date, no subsequent changes in value may be recorded, other than in connection with the recognition of any ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 685.90 Td (subsequent other) Tj ET Q q 0 0 0 rg BT 121.33 685.90 Td (-than-temporary impairment and the amortization of dif) Tj ET Q q 0 0 0 rg BT 299.34 685.90 Td (ferences between the carrying values at the transfer date and the par values of each ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 676.30 Td (security as an adjustment of yield over the remaining contractual life of each security) Tj ET Q q 0 0 0 rg BT 339.54 676.30 Td (. ) Tj ET Q q 0 0 0 rg BT 343.10 676.30 Td (Any net unrealized holding losses within ) Tj ET Q q 0 0 0 rg BT 475.53 676.30 Td (AOCI) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 495.08 676.30 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.08 676.30 Td (related to the respective ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 666.70 Td (securities at the date of transfer) Tj ET Q q 0 0 0 rg BT 167.36 666.70 Td (, inclusive of any cumulative fair value hedge adjustments, will be amortized over the remaining contractual life of each security ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 657.10 Td (as an adjustment of yield in a manner consistent with the amortization of any premium or discount.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 633.10 Td (The Company has the positive intent and ability to hold ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 621.10 Td (these securities to maturity or) Tj ET Q q 0 0 0 rg BT 167.40 621.10 Td (, where applicable, the exercise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 609.10 Td (of any issuer call options, absent any unforeseen significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 597.10 Td (changes in circumstances, including deterioration in credit or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 585.10 Td (changes in regulatory capital requirements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 573.10 Td (The net unrealized losses classified in ) Tj ET Q q 0 0 0 rg BT 220.79 573.10 Td (AOCI primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 561.10 Td (relate to debt securities previously classified as ) Tj ET Q q 0 0 0 rg BT 239.72 561.10 Td (AFS that have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 549.10 Td (been transferred to HTM, and include any cumulative fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 633.10 Td (value hedge adjustments. ) Tj ET Q q 0 0 0 rg BT 438.38 633.10 Td (The net unrealized loss amount also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 621.10 Td (includes any non-credit-related changes in fair value of HTM ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 609.10 Td (securities that have suf) Tj ET Q q 0 0 0 rg BT 426.43 609.10 Td (fered credit impairment recorded in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 597.10 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 373.95 597.10 Td (The ) Tj ET Q q 0 0 0 rg BT 391.44 597.10 Td (AOCI balance related to HTM securities is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 585.10 Td (amortized over the remaining contractual life of the related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 573.10 Td (securities as an adjustment of yield in a manner consistent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 561.10 Td (with the accretion of any dif) Tj ET Q q 0 0 0 rg BT 448.08 561.10 Td (ference between the carrying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 549.10 Td (value at the transfer date and par value of the same debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 537.10 Td (securities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 513.10 Td (The table below shows the fair value of debt securities HTM that have been in an unrecognized loss position for less than 12 months ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 501.10 Td (and for 12 months or longer:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 444.60 223.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.00 444.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 444.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.00 444.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.00 444.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.00 444.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 444.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 416.60 223.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.00 416.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 416.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.00 416.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.00 416.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.00 416.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 416.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 388.60 223.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.00 388.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 388.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.00 388.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.00 388.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.00 388.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 388.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 360.60 223.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.00 360.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 360.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.00 360.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.00 360.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.00 360.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 360.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 332.60 223.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.00 332.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 332.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.00 332.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.00 332.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.00 332.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 332.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 304.60 223.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.00 304.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 304.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.00 304.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.00 304.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.00 304.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 304.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 276.60 223.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.00 276.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 276.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.00 276.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.00 276.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.00 276.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 276.60 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273 476.6 m 317 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317 476.6 m 377 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 476.6 m 421 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421 476.6 m 481 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481 476.6 m 525 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 476.6 m 585 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 444.6 m 273 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273 444.6 m 317 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 476.6 m 377 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317 444.6 m 377 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 444.6 m 421 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481 476.6 m 481 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421 444.6 m 481 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481 444.6 m 525 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 444.6 m 585 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 444.6 m 273 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 444.6 m 377 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481 444.6 m 481 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 430.6 m 377 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481 430.6 m 481 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 416.6 m 377 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481 416.6 m 481 402.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 402.6 m 377 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481 402.6 m 481 388.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 388.6 m 377 374.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481 388.6 m 481 374.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 374.6 m 377 360.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481 374.6 m 481 360.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 360.6 m 273 360.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 346.6 m 273 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273 360.6 m 317 360.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 273 346.6 m 317 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 360.6 m 377 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317 360.6 m 377 360.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317 346.6 m 377 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 360.6 m 421 360.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 377 346.6 m 421 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481 360.6 m 481 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421 360.6 m 481 360.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 421 346.6 m 481 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481 360.6 m 525 360.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 481 346.6 m 525 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 360.6 m 585 360.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 525 346.6 m 585 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 346.6 m 377 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481 346.6 m 481 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 332.6 m 377 318.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481 332.6 m 481 318.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 318.6 m 377 304.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481 318.6 m 481 304.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 304.6 m 377 290.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481 304.6 m 481 290.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 290.6 m 377 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481 290.6 m 481 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 276.6 m 377 262.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481 276.6 m 481 262.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 262.6 m 273 262.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 248.60000000000002 m 273 248.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273 262.6 m 317 262.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 273 248.60000000000002 m 317 248.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 262.6 m 377 248.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317 262.6 m 377 262.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317 248.60000000000002 m 377 248.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 262.6 m 421 262.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 377 248.60000000000002 m 421 248.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481 262.6 m 481 248.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421 262.6 m 481 262.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 421 248.60000000000002 m 481 248.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481 262.6 m 525 262.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 481 248.60000000000002 m 525 248.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 262.6 m 585 262.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 525 248.60000000000002 m 585 248.60000000000002 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 481.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.10 481.05 Td (Less than 12months) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.00 481.05 Td (12months or longer) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.65 481.05 Td (Total) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 448.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.30 458.05 Td (Fair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 284.20 449.05 Td (value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.30 467.05 Td (Gross) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.80 458.05 Td (unrecognized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.70 449.05 Td (losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.30 458.05 Td (Fair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.20 449.05 Td (value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.30 467.05 Td (Gross) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.80 458.05 Td (unrecognized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.70 449.05 Td (losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.30 458.05 Td (Fair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.20 449.05 Td (value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.30 467.05 Td (Gross) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 528.80 458.05 Td (unrecognized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.70 449.05 Td (losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 435.05 Td (December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 435.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 435.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.50 435.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.50 435.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 435.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 421.05 Td (Debt securities held-to-maturity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.50 421.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 421.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 421.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.50 421.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.50 421.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 421.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 407.06 Td (Mortgage-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 275.50 407.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.00 407.05 Td (935) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.50 407.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 407.05 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.50 407.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.75 407.05 Td (10,301) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.50 407.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 407.05 Td (262) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.50 407.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 407.05 Td (11,236) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.50 407.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.00 407.05 Td (263) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 393.06 Td (State and municipal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.00 393.05 Td (881) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.50 393.05 Td (20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.25 393.05 Td (1,826) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.50 393.05 Td (67) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.25 393.05 Td (2,707) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.50 393.05 Td (87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 379.06 Td (Foreign government) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.00 379.05 Td (180) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.00 379.05 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.50 379.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.50 379.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 379.05 Td (180) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 577.00 379.05 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 365.06 Td (Asset-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.00 365.05 Td (132) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.50 365.05 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.25 365.05 Td (3,232) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.50 365.05 Td (28) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.25 365.05 Td (3,364) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.50 365.05 Td (41) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 351.05 Td (Total debt securities held-to-maturity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 275.50 351.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.25 351.05 Td (2,128) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.50 351.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.50 351.05 Td (37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.50 351.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.75 351.05 Td (15,359) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.50 351.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 351.05 Td (357) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.50 351.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 351.05 Td (17,487) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.50 351.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.00 351.05 Td (394) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 337.06 Td (December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.50 337.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 337.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 337.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.50 337.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.50 337.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 337.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 323.05 Td (Debt securities held-to-maturity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.50 323.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 323.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 323.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.50 323.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.50 323.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 323.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 309.06 Td (Mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.50 309.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.00 309.06 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 309.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.50 309.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 309.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 309.06 Td (1,134) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.50 309.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.00 309.06 Td (294) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.50 309.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.25 309.06 Td (1,138) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 309.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 309.06 Td (294) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 295.06 Td (State and municipal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.25 295.06 Td (2,528) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.50 295.06 Td (34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.00 295.06 Td (314) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 295.06 Td (23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.25 295.06 Td (2,842) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 295.06 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 281.06 Td (Foreign government) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.50 281.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.50 281.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.50 281.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 281.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.50 281.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 281.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 267.06 Td (Asset-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.00 267.06 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.00 267.06 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.00 267.06 Td (174) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 267.06 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 267.06 Td (183) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 267.06 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 253.05 Td (Total debt securities held-to-maturity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.50 253.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.25 253.06 Td (2,541) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 253.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.50 253.06 Td (35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 253.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 253.06 Td (1,622) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.50 253.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.00 253.06 Td (326) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.50 253.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.25 253.06 Td (4,163) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 253.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 253.06 Td (361) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 228.10 Td (Excluded from the gross unrecognized losses presented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 216.10 Td (in the above table are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.51 216.10 Td ($\(453\) million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.56 216.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.00 216.10 Td ($\(780\) million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.05 216.10 Td (of net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 204.10 Td (unrealized losses recorded in ) Tj ET Q q 0 0 0 rg BT 167.23 204.10 Td (AOCI as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.84 204.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.42 204.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 192.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.44 192.10 Td (December31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.02 192.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 197.68 192.10 Td (, primarily related to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 180.10 Td (dif) Tj ET Q q 0 0 0 rg BT 60.43 180.10 Td (ference between the amortized cost and carrying value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 168.10 Td (HTM securities that were reclassified from ) Tj ET Q q 0 0 0 rg BT 223.33 168.10 Td (AFS. Substantially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 156.10 Td (all of these net unrecognized losses relate to securities that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 144.10 Td (have been in a loss position for 12months or longer at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 132.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.08 132.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.52 132.10 Td (December31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.11 132.10 Td (.) Tj ET Q endstream endobj 389 0 obj <> endobj 390 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (192) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (The following table presents the carrying value and fair value of HTM debt securities by contractual maturity dates:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 666.60 310.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.00 666.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 666.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.00 666.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 666.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 638.60 310.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.00 638.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 638.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.00 638.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 638.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 610.60 310.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.00 610.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 610.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.00 610.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 610.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 582.60 310.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.00 582.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 582.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.00 582.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 582.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 554.60 310.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.00 554.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 554.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.00 554.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 554.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 526.60 310.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.00 526.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 526.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.00 526.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 526.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 498.60 310.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.00 498.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 498.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.00 498.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 498.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 470.60 310.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.00 470.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 470.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.00 470.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 470.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 442.60 310.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.00 442.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 442.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.00 442.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 442.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 414.60 310.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.00 414.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 414.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.00 414.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 414.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 386.60 310.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.00 386.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 386.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.00 386.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 386.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 358.60 310.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.00 358.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 358.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.00 358.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.00 358.60 55.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 717.6 m 419 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 717.6 m 474 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 717.6 m 530 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 717.6 m 585 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 703.6 m 419 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 703.6 m 474 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 717.6 m 474 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 703.6 m 530 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 703.6 m 585 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 680.6 m 360 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 703.6 m 419 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 680.6 m 419 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 703.6 m 474 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 680.6 m 474 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 703.6 m 474 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 703.6 m 530 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 680.6 m 530 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 703.6 m 585 703.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 680.6 m 585 680.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 680.6 m 474 666.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 666.6 m 474 652.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 652.6 m 474 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 638.6 m 474 624.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 624.6 m 474 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 610.6 m 360 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 596.6 m 360 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 610.6 m 419 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 596.6 m 419 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 610.6 m 474 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 596.6 m 474 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 610.6 m 474 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 610.6 m 530 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 596.6 m 530 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 610.6 m 585 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 596.6 m 585 596.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 596.6 m 474 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 582.6 m 474 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 568.6 m 474 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 554.6 m 474 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 540.6 m 474 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 526.6 m 360 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 512.6 m 360 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 526.6 m 419 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 512.6 m 419 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 526.6 m 474 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 512.6 m 474 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 526.6 m 474 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 526.6 m 530 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 512.6 m 530 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 526.6 m 585 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 512.6 m 585 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 512.6 m 474 498.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 498.6 m 474 484.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 484.6 m 474 470.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 470.6 m 474 456.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 456.6 m 474 442.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 442.6 m 360 442.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 428.6 m 360 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 442.6 m 419 442.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 428.6 m 419 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 442.6 m 474 442.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 428.6 m 474 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 442.6 m 474 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 442.6 m 530 442.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 428.6 m 530 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 442.6 m 585 442.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 428.6 m 585 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 428.6 m 474 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 414.6 m 474 400.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 400.6 m 474 386.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 386.6 m 474 372.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 372.6 m 474 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 358.6 m 360 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 344.6 m 360 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 358.6 m 419 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360 344.6 m 419 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 358.6 m 474 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419 344.6 m 474 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 358.6 m 474 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 358.6 m 530 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 344.6 m 530 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 358.6 m 585 358.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530 344.6 m 585 344.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 330.6 m 360 330.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 360 330.6 m 419 330.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 419 330.6 m 474 330.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474 344.6 m 474 330.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 474 330.6 m 530 330.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 530 330.6 m 585 330.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.80 722.05 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 708.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.50 708.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 708.06 Td (2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 684.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.25 694.05 Td (Carrying) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.70 685.05 Td (value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.45 685.05 Td (Fair value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 694.06 Td (Carrying) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.75 685.06 Td (value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.85 685.06 Td (Fair value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 671.05 Td (Mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 671.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 671.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 671.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 671.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 657.06 Td (Due within 1year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 657.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.50 657.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.50 657.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.50 657.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 657.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 657.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 657.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 657.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 643.06 Td (After 1 but within 5years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.00 643.05 Td (172) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 643.05 Td (172) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 643.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 643.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 629.06 Td (After 5 but within 10years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.00 629.05 Td (660) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 629.05 Td (663) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 629.06 Td (863) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 629.06 Td (869) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 615.06 Td (After 10years) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 103.98 619.14 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.75 615.05 Td (18,701) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 615.05 Td (18,818) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.25 615.06 Td (9,846) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 615.06 Td (10,303) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 601.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 601.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.75 601.05 Td (19,533) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.50 601.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 601.05 Td (19,653) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 601.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.75 601.06 Td (10,709) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 601.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 601.06 Td (11,172) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 587.05 Td (State and municipal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 587.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 587.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 587.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 587.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 573.06 Td (Due within 1year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 573.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.00 573.05 Td (309) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.50 573.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 573.05 Td (305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 573.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 573.06 Td (205) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 573.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 573.06 Td (205) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 559.06 Td (After 1 but within 5years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.00 559.05 Td (336) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 559.05 Td (335) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 559.06 Td (243) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 559.06 Td (243) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 545.06 Td (After 5 but within 10years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.00 545.05 Td (262) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 545.05 Td (270) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 545.06 Td (140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 545.06 Td (144) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 531.06 Td (After 10years) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 103.98 535.14 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 531.05 Td (7,236) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 531.05 Td (7,391) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.25 531.06 Td (7,361) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 531.06 Td (7,527) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 517.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 517.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 517.05 Td (8,143) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.50 517.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 517.05 Td (8,301) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 517.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.25 517.06 Td (7,949) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 517.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 517.06 Td (8,119) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 503.05 Td (Foreign government) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 503.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 503.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 503.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 503.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 489.06 Td (Due within 1year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 489.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.50 489.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.50 489.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.50 489.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 489.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 489.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 489.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 489.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 475.06 Td (After 1 but within 5years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 475.05 Td (4,068) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 475.05 Td (4,093) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.25 475.06 Td (4,725) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 475.06 Td (4,802) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 461.06 Td (After 5 but within 10years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.50 461.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.50 461.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 461.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 461.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 447.06 Td (After 10years) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 103.98 451.14 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.50 447.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.50 447.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 447.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 447.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 433.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 433.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 433.05 Td (4,068) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.50 433.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 433.05 Td (4,093) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 433.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.25 433.06 Td (4,725) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 433.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 433.06 Td (4,802) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 419.05 Td (All other) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 86.74 423.13 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 419.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 419.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 419.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 419.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 405.06 Td (Due within 1year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 405.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.50 405.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.50 405.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.50 405.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 405.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 405.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 405.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 405.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 391.06 Td (After 1 but within 5years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.50 391.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.50 391.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 391.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 391.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 377.06 Td (After 5 but within 10years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.50 377.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.50 377.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 377.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 377.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 363.06 Td (After 10years) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 103.98 367.14 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 363.05 Td (4,471) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 363.05 Td (4,464) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 363.06 Td (538) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 363.06 Td (578) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 349.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 349.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.25 349.05 Td (4,471) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.50 349.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 349.05 Td (4,464) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 349.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 349.06 Td (538) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 349.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 349.06 Td (578) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 335.05 Td (Total debt securities held-to-maturity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 335.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.75 335.05 Td (36,215) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.50 335.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 335.05 Td (36,511) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 335.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.75 335.06 Td (23,921) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 532.50 335.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.75 335.06 Td (24,671) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 313.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 313.50 Td (Investments with no stated maturities are included as contractual maturities of greater than 10years. ) Tj ET Q q 0 0 0 rg BT 389.62 313.50 Td (Actual maturities may dif) Tj ET Q q 0 0 0 rg BT 471.45 313.50 Td (fer due to call or prepayment ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 303.90 Td (rights.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 294.30 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 294.30 Td (Includes corporate and asset-backed securities.) Tj ET Q endstream endobj 391 0 obj <> endobj 392 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (193) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 742.25 Td (Evaluating Investments for) Tj ET Q q 0 0 0 rg BT 165.43 742.25 Td ( Other) Tj ET Q q 0 0 0 rg BT 193.11 742.25 Td (-Than-T) Tj ET Q q 0 0 0 rg BT 228.31 742.25 Td (emporary ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 730.25 Td (Impairment) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 706.25 Td (Overview) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.25 Td (The Company conducts periodic reviews of all securities with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.25 Td (unrealized losses to evaluate whether the impairment is other) Tj ET Q q 0 0 0 rg BT 293.66 682.25 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.25 Td (than-temporary) Tj ET Q q 0 0 0 rg BT 110.49 670.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 658.25 Td (An unrealized loss exists when the current fair value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.25 Td (an individual security is less than its amortized cost basis. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.25 Td (Unrealized losses that are determined to be temporary in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.25 Td (nature are recorded, net of tax, in ) Tj ET Q q 0 0 0 rg BT 184.16 622.25 Td (AOCI for ) Tj ET Q q 0 0 0 rg BT 224.71 622.25 Td (AFS securities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.25 Td (Losses related to HTM securities generally are not recorded, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.25 Td (as these investments are carried at adjusted amortized cost ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.25 Td (basis. However) Tj ET Q q 0 0 0 rg BT 110.75 586.25 Td (, for HTM securities with credit-related losses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.25 Td (the credit loss is recognized in earnings as OTTI and any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.25 Td (dif) Tj ET Q q 0 0 0 rg BT 60.43 562.25 Td (ference between the cost basis adjusted for the OTTI and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.25 Td (fair value is recognized in ) Tj ET Q q 0 0 0 rg BT 155.29 550.25 Td (AOCI and amortized as an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.25 Td (adjustment of yield over the remaining contractual life of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.25 Td (security) Tj ET Q q 0 0 0 rg BT 80.51 526.25 Td (. For securities transferred to HTM from ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 244.91 526.25 Td (T) Tj ET Q q 0 0 0 rg BT 249.92 526.25 Td (rading ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 514.25 Td (account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.55 514.25 Td (, amortized cost is defined as the fair value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.25 Td (the securities at the date of transfer) Tj ET Q q 0 0 0 rg BT 189.04 502.25 Td (, plus any accretion income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.25 Td (and less any impairment recognized in earnings subsequent to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.25 Td (transfer) Tj ET Q q 0 0 0 rg BT 79.49 478.25 Td (. For securities transferred to HTM from ) Tj ET Q q 0 0 0 rg BT 243.33 478.25 Td (AFS, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.25 Td (amortized cost is defined as the original purchase cost, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.25 Td (adjusted for the cumulative accretion or amortization of any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 442.25 Td (purchase discount or premium, plus or minus any cumulative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.25 Td (fair value hedge adjustments, net of accretion or amortization, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.25 Td (and less any impairment recognized in earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 406.25 Td (Regardless of the classification of the securities as ) Tj ET Q q 0 0 0 rg BT 270.77 406.25 Td (AFS ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.25 Td (or HTM, the Company assesses each position with an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.25 Td (unrealized loss for OTTI. Factors considered in determining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.25 Td (whether a loss is temporary include:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 352.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 352.25 Td (the length of time and the extent to which fair value has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 340.25 Td (been below cost;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 328.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 328.25 Td (the severity of the impairment;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 316.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 316.25 Td (the cause of the impairment and the financial condition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 304.25 Td (and near) Tj ET Q q 0 0 0 rg BT 101.45 304.25 Td (-term prospects of the issuer;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 292.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 292.25 Td (activity in the market of the issuer that may indicate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 280.25 Td (adverse credit conditions; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 268.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 268.25 Td (the Company) Tj ET Q q 0 0 0 rg BT 123.88 268.25 Td (s ability and intent to hold the investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 256.25 Td (for a period of time suf) Tj ET Q q 0 0 0 rg BT 159.79 256.25 Td (ficient to allow for any anticipated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 244.25 Td (recovery) Tj ET Q q 0 0 0 rg BT 101.83 244.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 220.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 109.21 220.25 Td (s review for impairment generally entails:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 202.25 Td (identification and evaluation of impaired investments;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 190.25 Td (analysis of individual investments that have fair values ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 178.25 Td (less than amortized cost, including consideration of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 166.25 Td (length of time the investment has been in an unrealized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 154.25 Td (loss position and the expected recovery period;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 142.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 142.25 Td (consideration of evidential matter) Tj ET Q q 0 0 0 rg BT 201.77 142.25 Td (, including an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 130.25 Td (evaluation of factors or triggers that could cause ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 118.25 Td (individual investments to qualify as having other) Tj ET Q q 0 0 0 rg BT 262.82 118.25 Td (-than-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 106.25 Td (temporary impairment and those that would not support ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 94.25 Td (other) Tj ET Q q 0 0 0 rg BT 87.85 94.25 Td (-than-temporary impairment; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 82.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 82.25 Td (documentation of the results of these analyses, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 70.25 Td (required under business policies.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 335.25 742.10 Td (Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 730.10 Td (The entire dif) Tj ET Q q 0 0 0 rg BT 389.49 730.10 Td (ference between amortized cost basis and fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 718.10 Td (value is recognized in earnings as OTTI for impaired debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 706.10 Td (securities that the Company has an intent to sell or for which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 694.10 Td (the Company believes it will more-likely-than-not be required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 682.10 Td (to sell prior to recovery of the amortized cost basis. However) Tj ET Q q 0 0 0 rg BT 579.49 682.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 670.10 Td (for those securities that the Company does not intend to sell ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 658.10 Td (and is not likely to be required to sell, only the credit-related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 646.10 Td (impairment is recognized in earnings and any non-credit-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 634.10 Td (related impairment is recorded in ) Tj ET Q q 0 0 0 rg BT 469.92 634.10 Td (AOCI.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 622.10 Td (For debt securities, credit impairment exists where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 610.10 Td (management does not expect to receive contractual principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 598.10 Td (and interest cash flows suf) Tj ET Q q 0 0 0 rg BT 441.15 598.10 Td (ficient to recover the entire ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 586.10 Td (amortized cost basis of a security) Tj ET Q q 0 0 0 rg BT 467.61 586.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 335.25 562.10 Td (Equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 550.10 Td (For equity securities, management considers the various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 538.10 Td (factors described above, including its intent and ability to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 526.10 Td (hold the equity security for a period of time suf) Tj ET Q q 0 0 0 rg BT 524.19 526.10 Td (ficient for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 514.10 Td (recovery to cost or whether it is more-likely-than-not that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 502.10 Td (Company will be required to sell the security prior to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 490.10 Td (recovery of its cost basis. ) Tj ET Q q 0 0 0 rg BT 438.93 490.10 Td (Where management lacks that intent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 478.10 Td (or ability) Tj ET Q q 0 0 0 rg BT 370.98 478.10 Td (, the security) Tj ET Q q 0 0 0 rg BT 425.13 478.10 Td (s decline in fair value is deemed to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 466.10 Td (other) Tj ET Q q 0 0 0 rg BT 355.60 466.10 Td (-than-temporary and is recorded in earnings. ) Tj ET Q q 0 0 0 rg BT 535.25 466.10 Td (AFS equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 454.10 Td (securities deemed to be other) Tj ET Q q 0 0 0 rg BT 451.67 454.10 Td (-than-temporarily impaired are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 442.10 Td (written down to fair value, with the full dif) Tj ET Q q 0 0 0 rg BT 506.42 442.10 Td (ference between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 430.10 Td (fair value and cost recognized in earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 418.10 Td (Management assesses equity method investments that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 406.10 Td (have fair values that are less than their respective carrying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 394.10 Td (values for OTTI. Fair value is measured as price multiplied by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 382.10 Td (quantity if the investee has publicly listed securities. If the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 370.10 Td (investee is not publicly listed, other methods are used \(see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 358.10 Td (Note) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.19 358.10 Td (25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.19 358.10 Td ( to the Consolidated Financial Statements\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 346.10 Td (For impaired equity method investments that Citi plans to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 334.10 Td (sell prior to recovery of value or would likely be required to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 322.10 Td (sell, with no expectation that the fair value will recover prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 310.10 Td (to the expected sale date, the full impairment is recognized in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 298.10 Td (earnings as OTTI regardless of severity and duration. ) Tj ET Q q 0 0 0 rg BT 550.83 298.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 286.10 Td (measurement of the OTTI does not include partial projected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 274.10 Td (recoveries subsequent to the balance sheet date.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 262.10 Td (For impaired equity method investments that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 250.10 Td (management does not plan to sell and is not likely to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 238.10 Td (required to sell prior to recovery of value, the evaluation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 226.10 Td (whether an impairment is other) Tj ET Q q 0 0 0 rg BT 460.01 226.10 Td (-than-temporary is based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 214.10 Td (\(i\)whether and when an equity method investment will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 202.10 Td (recover in value and \(ii\)whether the investor has the intent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 190.10 Td (and ability to hold that investment for a period of time ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 178.10 Td (suf) Tj ET Q q 0 0 0 rg BT 347.29 178.10 Td (ficient to recover the value. ) Tj ET Q q 0 0 0 rg BT 459.28 178.10 Td (The determination of whether ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 166.10 Td (the impairment is considered other) Tj ET Q q 0 0 0 rg BT 473.90 166.10 Td (-than-temporary considers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 154.10 Td (the following indicators, regardless of the time and extent of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 142.10 Td (impairment:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 124.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 124.10 Td (the cause of the impairment and the financial condition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 112.10 Td (and near) Tj ET Q q 0 0 0 rg BT 387.20 112.10 Td (-term prospects of the issuer) Tj ET Q q 0 0 0 rg BT 500.10 112.10 Td (, including any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 100.10 Td (specific events that may influence the operations of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 88.10 Td (issuer;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 76.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 76.10 Td (the intent and ability to hold the investment for a period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 64.10 Td (of time suf) Tj ET Q q 0 0 0 rg BT 396.39 64.10 Td (ficient to allow for any anticipated recovery in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 52.10 Td (market value; and) Tj ET Q endstream endobj 393 0 obj <> endobj 394 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (194) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 742.10 Td (the length of time and extent to which fair value has been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 730.10 Td (less than the carrying value.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 706.10 Td (The sections below describe the Company) Tj ET Q q 0 0 0 rg BT 239.40 706.10 Td (s process for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (identifying credit-related impairments for security types that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.10 Td (have the most significant unrealized losses as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.08 670.10 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 646.10 Td (Mortgage-Backed Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.10 Td (For U.S.mortgage-backed securities \(and in particular for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.10 Td (Alt-A) Tj ET Q q 0 0 0 rg BT 72.28 622.10 Td ( and other mortgage-backed securities that have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td (significant unrealized losses as a percentage of amortized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.10 Td (cost\), credit impairment is assessed using a cash flow model ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.10 Td (that estimates the principal and interest cash flows on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.10 Td (underlying mortgages using the security-specific collateral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.10 Td (and transaction structure. ) Tj ET Q q 0 0 0 rg BT 152.62 562.10 Td (The model distributes the estimated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.10 Td (cash flows to the various tranches of securities, considering ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.10 Td (the transaction structure and any subordination and credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.10 Td (enhancements that exist in that structure. ) Tj ET Q q 0 0 0 rg BT 215.10 526.10 Td (The cash flow model ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.10 Td (incorporates actual cash flows on the mortgage-backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.10 Td (securities through the current period and then estimates the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td (remaining cash flows using a number of assumptions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.10 Td (including default rates, prepayment rates, recovery rates \(on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.10 Td (foreclosed properties\) and loss severity rates \(on non-agency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.10 Td (mortgage-backed securities\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 442.10 Td (Management develops specific assumptions using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.10 Td (market data, internal estimates and estimates published by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.10 Td (rating agencies and other third-party sources. Default rates are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.10 Td (projected by considering current underlying mortgage loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.10 Td (performance, generally assuming the default of \(i\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.75 394.10 Td (10%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.08 394.10 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.10 Td (current loans, \(ii\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.14 382.10 Td (25%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.47 382.10 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.80 382.10 Td (30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.80 382.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.80 382.10 Td (59) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.80 382.10 Td (day delinquent loans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.10 Td (\(iii\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.00 370.10 Td (70%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.33 370.10 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.66 370.10 Td (60) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.66 370.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.66 370.10 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.66 370.10 Td (day delinquent loans and \(iv\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.29 370.10 Td (100%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.62 370.10 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.95 370.10 Td (91) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.95 370.10 Td (+ ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.10 Td (day delinquent loans. ) Tj ET Q q 0 0 0 rg BT 137.08 358.10 Td (These estimates are extrapolated along a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 346.10 Td (default timing curve to estimate the total lifetime pool default ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 742.10 Td (rate. Other assumptions contemplate the actual collateral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 730.10 Td (attributes, including geographic concentrations, rating actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 718.10 Td (and current market prices.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 706.10 Td (Cash flow projections are developed using dif) Tj ET Q q 0 0 0 rg BT 536.91 706.10 Td (ferent stress ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 694.10 Td (test scenarios. Management evaluates the results of those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 682.10 Td (stress tests \(including the severity of any cash shortfall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 670.10 Td (indicated and the likelihood of the stress scenarios actually ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 658.10 Td (occurring based on the underlying pool) Tj ET Q q 0 0 0 rg BT 494.93 658.10 Td (s characteristics and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 646.10 Td (performance\) to assess whether management expects to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 634.10 Td (recover the amortized cost basis of the security) Tj ET Q q 0 0 0 rg BT 522.58 634.10 Td (. If cash flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 622.10 Td (projections indicate that the Company does not expect to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 610.10 Td (recover its amortized cost basis, the Company recognizes the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 598.10 Td (estimated credit loss in earnings.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 335.25 574.10 Td (State and Municipal Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 562.10 Td (The process for identifying credit impairments in Citigroup) Tj ET Q q 0 0 0 rg BT 575.47 562.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 550.10 Td (AFS and HTM state and municipal bonds is primarily based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 538.10 Td (on a credit analysis that incorporates third-party credit ratings. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 526.10 Td (Citigroup monitors the bond issuers and any insurers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 514.10 Td (providing default protection in the form of financial guarantee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 502.10 Td (insurance. ) Tj ET Q q 0 0 0 rg BT 380.88 502.10 Td (The average external credit rating, ignoring any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 490.10 Td (insurance, is ) Tj ET Q q 0 0 0 rg BT 387.18 490.10 Td (Aa3/AA-. In the event of an external rating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 478.10 Td (downgrade or other indicator of credit impairment \(i.e., based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 466.10 Td (on instrument-specific estimates of cash flows or probability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 454.10 Td (of issuer default\), the subject bond is specifically reviewed for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 442.10 Td (adverse changes in the amount or timing of expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 430.10 Td (contractual principal and interest payments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.25 418.10 Td (For state and municipal bonds with unrealized losses that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 406.10 Td (Citigroup plans to sell \(for ) Tj ET Q q 0 0 0 rg BT 443.30 406.10 Td (AFS only\), would be more-likely-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 394.10 Td (than-not required to sell \(for ) Tj ET Q q 0 0 0 rg BT 450.49 394.10 Td (AFS only\) or will be subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 382.10 Td (an issuer call deemed probable of exercise prior to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 370.10 Td (expected recovery of its amortized cost basis \(for ) Tj ET Q q 0 0 0 rg BT 534.06 370.10 Td (AFS and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 358.10 Td (HTM\), the full impairment is recognized in earnings.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 322.10 Td (Recognition and Measur) Tj ET Q q 0 0 0 rg BT 154.32 322.10 Td (ement of OTTI) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.10 Td (The total OTTI recognized in earnings are as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 253.60 335.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 253.60 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 253.60 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.00 253.60 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 253.60 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 216.60 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 216.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 216.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.00 216.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 216.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 179.60 335.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 179.60 50.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 179.60 50.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.00 179.60 50.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 179.60 50.00 -31.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 276.6 m 385 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 276.6 m 435 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 276.6 m 485 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485 276.6 m 535 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 276.6 m 585 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 253.60000000000002 m 385 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 253.60000000000002 m 435 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 253.60000000000002 m 485 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485 253.60000000000002 m 535 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 253.60000000000002 m 585 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 253.60000000000002 m 435 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 253.60000000000002 m 485 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485 253.60000000000002 m 535 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 202.60000000000002 m 385 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 202.60000000000002 m 435 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 202.60000000000002 m 485 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485 202.60000000000002 m 535 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 202.60000000000002 m 585 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 202.60000000000002 m 485 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485 202.60000000000002 m 535 202.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 148.60000000000002 m 385 148.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 148.60000000000002 m 435 148.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 148.60000000000002 m 485 148.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485 148.60000000000002 m 535 148.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 148.60000000000002 m 585 148.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 134.60000000000002 m 385 134.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 385 134.60000000000002 m 435 134.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 435 134.60000000000002 m 485 134.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 485 134.60000000000002 m 535 134.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 535 134.60000000000002 m 585 134.60000000000002 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 281.05 Td (OTTI on Investments and Other Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.95 290.05 Td (Year ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.95 281.05 Td ( December 31, 2015) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 257.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.55 258.05 Td (AFS) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 414.55 262.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 258.05 Td (HTM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.05 267.05 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 258.05 Td (assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.65 258.05 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 244.06 Td (Impairment losses related to securities that the Company does not intend to sell nor will) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 235.06 Td (likely be required to sell:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 221.06 Td (Total OTTI losses recognized during the period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.50 221.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.50 221.05 Td (33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.50 221.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.00 221.05 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.50 221.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.50 221.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.50 221.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.50 221.05 Td (34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 207.06 Td (Less: portion of impairment loss recognized in AOCI \(before taxes\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.50 207.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 207.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 207.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.50 207.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 193.06 Td (Net impairment losses recognized in earnings for securities that the Company does not) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 184.06 Td (intend to sell nor will likely be required to sell) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.50 184.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.50 184.05 Td (33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.50 184.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.00 184.05 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.50 184.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.50 184.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.50 184.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.50 184.05 Td (34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 170.86 Td (Impairment losses recognized in earnings for securities that the Company intends to sell,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 161.86 Td (would be more likely than not required to sell or will be subject to an issuer call deemed) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 152.86 Td (probable of exercise) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 153.05 Td (182) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.50 153.05 Td (43) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.00 153.05 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.00 153.05 Td (231) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 139.05 Td (Total impairment losses recognized in earnings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.50 139.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 139.05 Td (215) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.50 139.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.50 139.05 Td (44) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.50 139.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.00 139.05 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.50 139.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.00 139.05 Td (265) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 117.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 117.50 Td (Includes OTTI on non-marketable equity securities.) Tj ET Q endstream endobj 395 0 obj <> endobj 396 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (195) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 702.50 335.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 702.50 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 702.50 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.00 702.50 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 702.50 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 665.50 335.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 665.50 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 665.50 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.00 665.50 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 665.50 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 629.50 335.00 -34.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 629.50 50.00 -34.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 629.50 50.00 -34.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.00 629.50 50.00 -34.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 535.00 629.50 50.00 -34.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 725.5 m 385 725.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 725.5 m 435 725.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 725.5 m 485 725.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485 725.5 m 535 725.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 725.5 m 585 725.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 702.5 m 385 702.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 702.5 m 435 702.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 702.5 m 485 702.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485 702.5 m 535 702.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 535 702.5 m 585 702.5 l s 0 0 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rg BT 437.50 585.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 585.96 Td (31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.50 585.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 585.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 585.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 585.96 Td (424) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 560.40 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 560.40 Td (Includes OTTI on non-marketable equity securities.) 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0 d 0 J 0 j 3 M 50 380.9 m 385 380.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 385 380.9 m 435 380.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 435 380.9 m 485 380.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 485 380.9 m 535 380.9 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 535 380.9 m 585 380.9 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 519.35 Td (OTTI on Investments and Other Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.30 528.36 Td (Y) Tj ET Q q 0 0 0 rg BT 469.90 528.36 Td (ear ended) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.10 519.36 Td (December 31, 2013) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 496.15 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.80 496.36 Td (AFS) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 414.31 500.44 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.50 496.36 Td (HTM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.25 505.36 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.55 496.36 Td (assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 516.55 500.44 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.30 496.36 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 482.36 Td (Impairment losses related to securities that the Company does not intend to sell nor will) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 473.36 Td (likely be required to sell:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 459.36 Td (Total OTTI losses recognized during the period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.50 459.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 459.36 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 459.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 459.36 Td (154) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.50 459.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 459.36 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 459.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 459.36 Td (163) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 445.36 Td (Less: portion of impairment loss recognized in AOCI \(before taxes\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.50 445.36 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 445.36 Td (98) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 445.36 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 445.36 Td (98) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 431.36 Td (Net impairment losses recognized in earnings for securities that the Company does not) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 422.36 Td (intend to sell nor will likely be required to sell) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.50 422.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 422.36 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 422.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 422.36 Td (56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.50 422.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 422.36 Td () Tj 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385.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 385.36 Td (56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.50 385.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 385.36 Td (201) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 385.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 385.36 Td (535) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 359.80 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 359.80 Td (Includes OTTI on non-marketable equity securities.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 350.20 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 350.20 Td (The impairment char) Tj ET Q q 0 0 0 rg BT 134.44 350.20 Td (ge relates to the carrying value of Citi) Tj ET Q q 0 0 0 rg BT 257.73 350.20 Td (s then-remaining ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.71 350.20 Td (35%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.38 350.20 Td ( interest in the MSSB joint venture, of) Tj ET Q q 0 0 0 rg BT 450.44 350.20 Td (fset by the equity pickup from MSSB ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 340.60 Td (during the respective periods that was recorded in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 228.78 340.60 Td (Other r) Tj ET Q q 0 0 0 rg BT 252.26 340.60 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.46 340.60 Td (. ) Tj ET Q endstream endobj 397 0 obj <> endobj 398 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (196) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (The following are 12-month rollforwards of the credit-related impairments recognized in earnings for ) Tj ET Q q 0 0 0 rg BT 457.42 742.10 Td (AFS and HTM debt securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (held that the Company does not intend to sell nor likely will be required to sell:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 616.60 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.25 616.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.25 616.60 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 616.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 616.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.25 616.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 588.60 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.25 588.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.25 588.60 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 588.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 588.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.25 588.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 560.60 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.25 560.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.25 560.60 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 560.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 560.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.25 560.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 532.60 197.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.25 532.60 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.25 532.60 71.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 532.60 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 532.60 78.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.25 532.60 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 495.60 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.25 495.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.25 495.60 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 495.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 495.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.25 495.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 467.60 197.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.25 467.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.25 467.60 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 467.60 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 467.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.25 467.60 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 693.6 m 305.25 693.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.25 693.6 m 376.25 693.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 693.6 m 446.25 693.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 693.6 m 524.25 693.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 693.6 m 584.25 693.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 616.6 m 246.25 616.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 693.6 m 305.25 693.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 616.6 m 305.25 616.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.25 616.6 m 376.25 616.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 616.6 m 446.25 616.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 693.6 m 524.25 616.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 616.6 m 524.25 616.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 693.6 m 584.25 693.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 616.6 m 584.25 616.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 616.6 m 524.25 602.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 602.6 m 524.25 588.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 588.6 m 524.25 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 574.6 m 524.25 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 560.6 m 524.25 546.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.25 532.6 m 376.25 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 532.6 m 446.25 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 546.6 m 524.25 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 532.6 m 524.25 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 532.6 m 246.25 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 509.6 m 246.25 509.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 532.6 m 305.25 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 509.6 m 305.25 509.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.25 532.6 m 376.25 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.25 509.6 m 376.25 509.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 532.6 m 446.25 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 509.6 m 446.25 509.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 532.6 m 524.25 509.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 532.6 m 524.25 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 509.6 m 524.25 509.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 532.6 m 584.25 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 509.6 m 584.25 509.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.25 509.6 m 376.25 509.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 509.6 m 446.25 509.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 509.6 m 524.25 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 509.6 m 524.25 509.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 495.6 m 524.25 481.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 481.6 m 524.25 467.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 467.6 m 524.25 453.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 453.6 m 246.25 453.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 430.6 m 246.25 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 453.6 m 305.25 453.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 430.6 m 305.25 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.25 453.6 m 376.25 453.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 305.25 430.6 m 376.25 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 453.6 m 446.25 453.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 430.6 m 446.25 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 453.6 m 524.25 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 453.6 m 524.25 453.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 430.6 m 524.25 430.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 453.6 m 584.25 453.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 430.6 m 584.25 430.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.75 698.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.90 698.05 Td (Cumulative OTTI credit losses recognized in earnings on securities still held) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 51.75 620.85 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.25 630.06 Td (Dec. 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 274.25 621.06 Td (balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.90 675.05 Td (Credit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.75 666.05 Td (impairments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.65 657.05 Td (recognizedin) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.95 648.05 Td (earningson) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 639.05 Td (securitiesnot) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.90 630.05 Td (previously) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.90 621.05 Td (impaired) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.90 684.05 Td (Credit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.75 675.05 Td (impairments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.65 666.05 Td (recognizedin) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.95 657.05 Td (earningson) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 648.05 Td (securitiesthat) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 639.05 Td (have) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.65 630.05 Td (beenpreviously) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.90 621.05 Td (impaired) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.70 657.05 Td (Reductionsdueto) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.55 648.05 Td (credit-impaired) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.75 639.05 Td (securitiessold,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.35 630.05 Td (transferredor) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.90 621.05 Td (matured) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.25 630.05 Td (Dec. 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.20 621.05 Td (balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.75 607.05 Td (AFS debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 607.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 607.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.75 607.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.75 607.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.75 607.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 593.06 Td (Mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 593.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 593.06 Td (295) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.75 593.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.75 593.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.75 593.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.25 593.05 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.75 593.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 593.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.75 593.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.75 593.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.25 593.05 Td (294) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 579.06 Td (State and municipal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.75 579.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.25 579.05 Td (8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.75 579.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.75 579.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 576.25 579.05 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 565.06 Td (Foreign government securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 565.06 Td (171) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.75 565.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.75 565.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.25 565.05 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.75 565.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.25 565.05 Td (170) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 551.06 Td (Corporate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 551.06 Td (118) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.25 551.05 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.25 551.05 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.75 551.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.25 551.05 Td (\(6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.75 551.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.25 551.05 Td (112) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 537.06 Td (All other debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 537.06 Td (149) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.75 537.05 Td (22) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.25 537.05 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.75 537.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.75 537.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.25 537.05 Td (170) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.75 523.05 Td (Total OTTI credit losses recognized for AFS debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.75 514.05 Td (securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 514.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 514.06 Td (733) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.75 514.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.75 514.05 Td (32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.75 514.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.25 514.05 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.75 514.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 514.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.25 514.05 Td (\(7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.75 514.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.75 514.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.25 514.05 Td (754) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.75 500.05 Td (HTM debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 500.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 500.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.75 500.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.75 500.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.75 500.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 486.06 Td (Mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 151.46 490.14 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 486.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 486.06 Td (670) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.75 486.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.25 486.05 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.75 486.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.25 486.05 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.75 486.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 486.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.25 486.05 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.75 486.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.75 486.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.25 486.05 Td (668) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 472.06 Td (Corporate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.75 472.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.75 472.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.75 472.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.75 472.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 571.75 472.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 458.06 Td (All other debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 458.06 Td (133) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.75 458.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.75 458.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.25 458.05 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.75 458.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.25 458.05 Td (132) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.75 444.05 Td (Total OTTI credit losses recognized for HTM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 51.75 435.05 Td (debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 435.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 435.06 Td (803) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.75 435.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.25 435.05 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.75 435.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.25 435.05 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.75 435.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 435.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.25 435.05 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.75 435.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.75 435.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.25 435.05 Td (800) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 412.50 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 67.50 412.50 Td (Primarily consists of ) Tj ET Q q 0 0 0 rg BT 135.28 412.50 Td (Alt-A) Tj ET Q q 0 0 0 rg BT 153.50 412.50 Td ( securities.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 299.00 197.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.25 299.00 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.25 299.00 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 299.00 70.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 299.00 78.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.25 299.00 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 273.00 197.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.25 273.00 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.25 273.00 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 273.00 70.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 273.00 78.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.25 273.00 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 247.00 197.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.25 247.00 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.25 247.00 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 247.00 70.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 247.00 78.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.25 247.00 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 221.00 197.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.25 221.00 59.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.25 221.00 71.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 221.00 70.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 221.00 78.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.25 221.00 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 185.00 197.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.25 185.00 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.25 185.00 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 185.00 70.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 185.00 78.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.25 185.00 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 159.00 197.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.25 159.00 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.25 159.00 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.25 159.00 70.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.25 159.00 78.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 524.25 159.00 60.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 376 m 305.25 376 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.25 376 m 376.25 376 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 376 m 446.25 376 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 376 m 524.25 376 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 376 m 584.25 376 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 299 m 246.25 299 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 376 m 305.25 376 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 299 m 305.25 299 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.25 299 m 376.25 299 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 299 m 446.25 299 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 376 m 524.25 299 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 299 m 524.25 299 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 376 m 584.25 376 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 299 m 584.25 299 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 299 m 524.25 286 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 286 m 524.25 273 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 273 m 524.25 260 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 260 m 524.25 247 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 247 m 524.25 234 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 234 m 524.25 221 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 221 m 246.25 221 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 198 m 246.25 198 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 221 m 305.25 221 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 198 m 305.25 198 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.25 221 m 376.25 221 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.25 198 m 376.25 198 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 221 m 446.25 221 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 198 m 446.25 198 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 221 m 524.25 198 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 221 m 524.25 221 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 198 m 524.25 198 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 221 m 584.25 221 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 198 m 584.25 198 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 198 m 524.25 185 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 185 m 524.25 172 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 172 m 524.25 159 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 159 m 524.25 146 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 146 m 246.25 146 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 49.25 123 m 246.25 123 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 146 m 305.25 146 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 246.25 123 m 305.25 123 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.25 146 m 376.25 146 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 305.25 123 m 376.25 123 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 146 m 446.25 146 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 376.25 123 m 446.25 123 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 146 m 524.25 123 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 146 m 524.25 146 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 446.25 123 m 524.25 123 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 146 m 584.25 146 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 524.25 123 m 584.25 123 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 380.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.75 380.46 Td (Cumulative OTTI credit losses recognized in earnings on securities still held) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 51.75 303.25 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.25 312.46 Td (Dec. 31, 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 274.25 303.46 Td (balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.25 357.46 Td (Credit) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.75 348.46 Td (impairments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 339.46 Td (recognizedin) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 330.46 Td (earningson) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.00 321.46 Td (securitiesnot) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.75 312.46 Td (previously) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.75 303.46 Td (impaired) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 366.46 Td (Credit) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.75 357.46 Td (impairments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 348.46 Td (recognizedin) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.00 339.46 Td (earningson) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.00 330.46 Td (securitiesthat) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.75 321.46 Td (have) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.50 312.46 Td (beenpreviously) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.75 303.46 Td (impaired) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.75 339.46 Td (Reductionsdueto) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.25 330.46 Td (credit-impaired) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.25 321.46 Td (securitiessold,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.00 312.46 Td (transferredor) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.25 303.46 Td (matured) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 312.46 Td (Dec. 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.25 303.46 Td (balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 290.26 Td (AFS debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 290.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 290.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.75 290.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.75 290.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.75 290.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 277.26 Td (Mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 277.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 277.26 Td (295) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 277.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 277.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.75 277.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.75 277.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.75 277.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 277.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.75 277.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.25 277.26 Td (295) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 264.26 Td (State and municipal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.75 264.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 264.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.75 264.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 264.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.75 264.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 251.26 Td (Foreign government securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 251.26 Td (171) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 251.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.75 251.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 251.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.25 251.26 Td (171) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 238.26 Td (Corporate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 238.26 Td (113) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 238.26 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.75 238.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.25 238.26 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.75 238.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.25 238.26 Td (118) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 225.26 Td (All other debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 225.26 Td (144) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 225.26 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.75 225.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 225.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.25 225.26 Td (149) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 211.46 Td (Total OTTI credit losses recognized for AFS debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 202.46 Td (securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 202.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 202.46 Td (723) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 202.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 202.46 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.75 202.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.75 202.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.75 202.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.25 202.46 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.75 202.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.75 202.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.25 202.46 Td (733) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 189.26 Td (HTM debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 189.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.75 189.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 176.26 Td (Mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 151.46 180.34 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 176.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 176.26 Td (678) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 176.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 176.26 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.75 176.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.75 176.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.75 176.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 176.26 Td (\(13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.75 176.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.75 176.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.25 176.26 Td (670) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 163.26 Td (Corporate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.75 163.26 Td (56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 163.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.75 163.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 163.26 Td (\(56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.75 163.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 571.75 163.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 150.26 Td (All other debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 150.26 Td (133) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 150.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.75 150.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 150.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.25 150.26 Td (133) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 136.46 Td (Total OTTI credit losses recognized for HTM debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.75 127.46 Td (securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 127.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 127.46 Td (867) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.75 127.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 127.46 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.75 127.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.75 127.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.75 127.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 127.46 Td (\(69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.75 127.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.75 127.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.25 127.46 Td (803) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 104.90 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 67.50 104.90 Td (Primarily consists of ) Tj ET Q q 0 0 0 rg BT 135.28 104.90 Td (Alt-A) Tj ET Q q 0 0 0 rg BT 153.50 104.90 Td ( securities.) Tj ET Q endstream endobj 399 0 obj <> endobj 400 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (197) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 742.25 Td (Investments in ) Tj ET Q q 0 0 0 rg BT 113.95 742.25 Td (Alternative Investment Funds ) Tj ET Q q 0 0 0 rg BT 244.05 742.25 Td (That ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 730.25 Td (Calculate Net ) Tj ET Q q 0 0 0 rg BT 109.49 730.25 Td (Asset ) Tj ET Q q 0 0 0 rg BT 134.58 730.25 Td (V) Tj ET Q q 0 0 0 rg BT 140.88 730.25 Td (alue per) Tj ET Q q 0 0 0 rg BT 175.42 730.25 Td ( Shar) Tj ET Q q 0 0 0 rg BT 198.30 730.25 Td (e) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.25 Td (The Company holds investments in certain alternative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.25 Td (investment funds that calculate net asset value \(NA) Tj ET Q q 0 0 0 rg BT 253.42 706.25 Td (V\) per ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.25 Td (share, including hedge funds, private equity funds, funds of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.25 Td (funds and real estate funds. ) Tj ET Q q 0 0 0 rg BT 160.95 682.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 220.66 682.25 Td (s investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.25 Td (include co-investments in funds that are managed by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.25 Td (Company and investments in funds that are managed by third ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.25 Td (parties. Investments in funds are generally classified as non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.25 Td (marketable equity securities carried at fair value. ) Tj ET Q q 0 0 0 rg BT 247.00 634.25 Td (The fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.25 Td (values of these investments are estimated using the NA) Tj ET Q q 0 0 0 rg BT 269.27 622.25 Td (V) Tj ET Q q 0 0 0 rg BT 276.31 622.25 Td ( per ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.25 Td (share of the Company) Tj ET Q q 0 0 0 rg BT 140.31 610.25 Td (s ownership interest in the funds, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.25 Td (where it is not probable that the Company will sell an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.25 Td (investment at a price other than the NA) Tj ET Q q 0 0 0 rg BT 205.66 586.25 Td (V) Tj ET Q q 0 0 0 rg BT 211.59 586.25 Td (.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 520.75 103.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.00 520.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.00 520.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.00 520.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.00 520.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 520.75 119.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 519.00 520.75 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 494.75 103.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.00 494.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.00 494.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.00 494.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.00 494.75 61.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 494.75 119.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 519.00 494.75 71.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 543.75 m 153 543.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153 543.75 m 217 543.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217 543.75 m 275 543.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275 543.75 m 339 543.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339 543.75 m 400 543.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 543.75 m 519 543.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519 543.75 m 590 543.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 520.75 m 153 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153 543.75 m 217 543.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153 520.75 m 217 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217 543.75 m 275 543.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217 520.75 m 275 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275 543.75 m 339 543.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275 520.75 m 339 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339 543.75 m 400 543.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339 520.75 m 400 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 520.75 m 519 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519 520.75 m 590 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217 520.75 m 275 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275 520.75 m 339 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339 520.75 m 400 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 520.75 m 519 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519 520.75 m 590 520.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 481.75 m 153 481.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 468.75 m 153 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153 481.75 m 217 481.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 153 468.75 m 217 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217 481.75 m 275 481.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 217 468.75 m 275 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275 481.75 m 339 481.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 275 468.75 m 339 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339 481.75 m 400 481.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 339 468.75 m 400 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 481.75 m 519 481.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 400 468.75 m 519 468.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519 481.75 m 590 481.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 519 468.75 m 590 468.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 193.95 548.20 Td (Fair value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.70 557.20 Td (Unfunded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.00 548.20 Td (commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.20 566.20 Td (Redemptionfr) Tj ET Q q 0 0 0 rg BT 471.28 566.20 Td (equency) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.30 557.20 Td (\(ifcurr) Tj ET Q q 0 0 0 rg BT 446.87 557.20 Td (entlyeligible\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.95 548.20 Td (monthly) Tj ET Q q 0 0 0 rg BT 435.46 548.20 Td (,quarterly) Tj ET Q q 0 0 0 rg BT 475.95 548.20 Td (, annually) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.50 566.20 Td (Redemption) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.50 557.20 Td (notice) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 541.45 548.20 Td (period) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 525.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 158.30 534.20 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 175.50 525.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.25 534.21 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.50 525.21 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.30 534.20 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.50 525.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.75 534.21 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.00 525.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 512.01 Td (Hedge funds) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.50 512.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 209.00 512.15 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 219.50 512.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 512.01 Td (8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.50 512.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.50 512.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.50 512.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.50 512.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.85 512.01 Td (Generally quarterly) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.35 512.01 Td (1095days) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 499.01 Td (Private equity funds) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 124.99 503.09 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 200.00 499.15 Td (762) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.00 499.01 Td (891) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 499.15 Td (173) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 499.01 Td (205) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.50 499.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.50 499.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 486.01 Td (Real estate funds ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 116.23 490.09 Td (\(2\)\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 200.00 486.15 Td (130) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.00 486.01 Td (166) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.50 486.15 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.50 486.01 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.50 486.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.50 486.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 473.15 Td (T) Tj ET Q q 0 0 0 rg BT 57.68 473.15 Td (otal) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 72.17 477.23 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.50 473.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 200.00 473.15 Td (895) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 219.50 473.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.25 473.01 Td (1,065) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 277.50 473.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.00 473.15 Td (194) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.50 473.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 473.01 Td (229) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.50 473.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.50 473.01 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 451.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 451.65 Td (Private equity funds include funds that invest in infrastructure, leveraged buyout transactions, emer) Tj ET Q q 0 0 0 rg BT 385.04 451.65 Td (ging markets and venture capital.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 442.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 442.05 Td (W) Tj ET Q q 0 0 0 rg BT 74.73 442.05 Td (ith respect to the Company) Tj ET Q q 0 0 0 rg BT 163.16 442.05 Td (s investments in private equity funds and real estate funds, distributions from each fund will be received as the underlying assets ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 432.45 Td (held by these funds are liquidated. It is estimated that the underlying assets of these funds will be liquidated over a period of several years as market conditions ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 422.85 Td (allow) Tj ET Q q 0 0 0 rg BT 84.75 422.85 Td (. Private equity and real estate funds do not allow redemption of investments by their investors. Investors are permitted to sell or transfer their investments, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 413.25 Td (subject to the approval of the general partner or investment manager of these funds, which generally may not be unreasonably withheld.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 403.65 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 403.65 Td (Includes several real estate funds that invest primarily in commercial real estate in the U.S., Europe and ) Tj ET Q q 0 0 0 rg BT 400.72 403.65 Td (Asia.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 394.05 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 394.05 Td (Included in the total fair value of investments above are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.88 394.05 Td ($0.9 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.77 394.05 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 300.32 394.05 Td ($0.8 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 337.21 394.05 Td ( of fund assets that are valued using NA) Tj ET Q q 0 0 0 rg BT 464.15 394.05 Td (Vs provided by third-party asset ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 384.45 Td (managers as of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 117.48 384.45 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 180.35 384.45 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 195.90 384.45 Td (December31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 258.77 384.45 Td (, respectively) Tj ET Q q 0 0 0 rg BT 300.89 384.45 Td (. ) Tj ET Q endstream endobj 401 0 obj <> endobj 402 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (198) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (15.LOANS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 716.25 Td (Citigroup loans are reported in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.24 716.25 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.24 716.25 Td ( categoriesconsumer and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 704.25 Td (corporate. ) Tj ET Q q 0 0 0 rg BT 78.57 704.25 Td (These categories are classified primarily according ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 692.25 Td (to the segment and subsegment that manage the loans.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 672.25 Td (Consumer) Tj ET Q q 0 0 0 rg BT 80.26 672.25 Td ( Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 660.25 Td (Consumer loans represent loans and leases managed primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 648.25 Td (by the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 63.22 648.25 Td (GCB) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 83.22 648.25 Td ( businesses in Citicorp and in Citi Holdings. ) Tj ET Q q 0 0 0 rg BT 262.20 648.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 636.25 Td (following table provides information by loan type for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 624.25 Td (periods indicated:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 571.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 571.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 571.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 534.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 534.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 534.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 506.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 506.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 506.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 478.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 478.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 478.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 441.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 441.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 441.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 413.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 413.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 413.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 385.75 130.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 385.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 385.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 357.75 130.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 357.75 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 357.75 58.00 -23.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 599.75 m 230.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 599.75 m 288.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 585.75 m 166.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 585.75 m 230.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 585.75 m 288.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 506.75 m 166.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 492.75 m 166.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 506.75 m 230.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 506.75 m 288.5 506.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 492.75 m 288.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 492.75 m 230.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 492.75 m 288.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 399.75 m 230.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 399.75 m 288.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 399.75 m 166.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 385.75 m 166.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 399.75 m 230.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 399.75 m 288.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 371.75 m 166.5 371.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 385.75 m 230.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 371.75 m 230.5 371.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 385.75 m 288.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 371.75 m 288.5 371.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 357.75 m 230.5 357.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 357.75 m 288.5 357.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 357.75 m 166.5 357.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 334.75 m 166.5 334.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 357.75 m 230.5 357.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 166.5 334.75 m 230.5 334.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 357.75 m 288.5 357.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 334.75 m 288.5 334.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 200.80 604.20 Td (December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 590.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.00 590.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 590.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 576.21 Td (In U.S.offices) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 169.00 576.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 576.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 562.21 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 133.71 566.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.00 562.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.25 562.20 Td (80,281) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 562.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 562.21 Td (96,533) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 548.21 Td (Installment, revolving credit,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 539.21 Td (and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.75 539.20 Td (3,480) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 539.21 Td (14,450) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 525.21 Td (Cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.75 525.20 Td (112,800) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.75 525.21 Td (112,982) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 511.21 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.75 511.20 Td (6,407) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 511.21 Td (5,895) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.00 497.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.75 497.20 Td (202,968) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 497.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.75 497.21 Td (229,860) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 483.21 Td (In offices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 169.00 483.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 469.21 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 133.71 473.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.00 469.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.25 469.20 Td (47,062) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 469.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 469.21 Td (54,462) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 455.21 Td (Installment, revolving credit,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 446.21 Td (and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.25 446.20 Td (29,480) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 446.21 Td (31,128) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 432.21 Td (Cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.25 432.20 Td (27,342) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 432.21 Td (32,032) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 418.21 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.25 418.20 Td (21,679) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 418.21 Td (22,561) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 404.21 Td (Lease financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.50 404.20 Td (427) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 404.21 Td (609) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.00 390.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.75 390.20 Td (125,990) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 390.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.75 390.21 Td (140,792) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 376.20 Td (Total consumer loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.00 376.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.75 376.20 Td (328,958) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 376.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.75 376.21 Td (370,652) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 362.21 Td (Net unearned income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.00 362.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.50 362.20 Td (825) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 362.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.50 362.21 Td (\(682) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 362.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 348.20 Td (Consumer loans, net of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 339.20 Td (unearned income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.00 339.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.75 339.20 Td (329,783) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 339.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.75 339.21 Td (369,970) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 315.25 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.33 315.25 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 315.25 Td (Loans secured primarily by real estate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 291.25 Td (Citigroup has established a risk management process to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 279.25 Td (monitor) Tj ET Q q 0 0 0 rg BT 67.26 279.25 Td (, evaluate and manage the principal risks associated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 267.25 Td (with its consumer loan portfolio. Credit quality indicators that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 255.25 Td (are actively monitored include delinquency status, consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 243.25 Td (credit scores \(FICO\), and loan to value \(L) Tj ET Q q 0 0 0 rg BT 202.81 243.25 Td (TV\) ratios, each as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 231.25 Td (discussed in more detail below) Tj ET Q q 0 0 0 rg BT 158.66 231.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 219.25 Td (Included in the loan table above are lending products ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 207.25 Td (whose terms may give rise to greater credit issues. Credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 195.25 Td (cards with below-market introductory interest rates and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 183.25 Td (interest-only loans are examples of such products. ) Tj ET Q q 0 0 0 rg BT 238.54 183.25 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 171.25 Td (products are closely managed using credit techniques that are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 159.25 Td (intended to mitigate their higher inherent risk.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 147.25 Td (During the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.55 147.25 Td (years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.65 147.25 Td ( ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.52 147.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.11 147.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.54 147.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.54 147.25 Td (, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 135.25 Td (Company sold and/or reclassified to held-for) Tj ET Q q 0 0 0 rg BT 214.92 135.25 Td (-sale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.30 135.25 Td ($25.8 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.41 135.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.91 135.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 123.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.94 123.25 Td ($10.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.05 123.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 156.71 123.25 Td (, of consumer loans. ) Tj ET Q q 0 0 0 rg BT 242.35 123.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 111.25 Td (Company did not have significant purchases of consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 99.25 Td (loans during the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.93 99.25 Td (years ended) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.41 99.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.91 99.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.49 99.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.93 99.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.93 99.25 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 722.25 Td (Delinquency Status) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 710.25 Td (Delinquency status is monitored and considered a key ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 698.25 Td (indicator of credit quality of consumer loans. Principally) Tj ET Q q 0 0 0 rg BT 549.96 698.25 Td (, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 686.25 Td (U.S.residential first mortgage loans use the Mortgage Bankers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 674.25 Td (Association \(MBA\) method of reporting delinquencies, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 662.25 Td (considers a loan delinquent if a monthly payment has not been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 650.25 Td (received by the end of the day immediately preceding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 638.25 Td (loan) Tj ET Q q 0 0 0 rg BT 344.00 638.25 Td (s next due date. ) Tj ET Q q 0 0 0 rg BT 408.15 638.25 Td (All other loans use a method of reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 626.25 Td (delinquencies that considers a loan delinquent if a monthly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 614.25 Td (payment has not been received by the close of business on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 602.25 Td (loan) Tj ET Q q 0 0 0 rg BT 344.00 602.25 Td (s next due date.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 590.25 Td (As a general policy) Tj ET Q q 0 0 0 rg BT 418.82 590.25 Td (, residential first mortgages, home ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 578.25 Td (equity loans and installment loans are classified as non-accrual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 566.25 Td (when loan payments are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.41 566.25 Td (90 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.24 566.25 Td ( contractually past due. Credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 554.25 Td (cards and unsecured revolving loans generally accrue interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 542.25 Td (until payments are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.37 542.25 Td (180 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.20 542.25 Td ( past due. Home equity loans in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 530.25 Td (regulated bank entities are classified as non-accrual if the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 518.25 Td (related residential first mortgage is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.89 518.25 Td (90 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.72 518.25 Td ( or more past due. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 506.25 Td (Mortgage loans in regulated bank entities dischar) Tj ET Q q 0 0 0 rg BT 520.98 506.25 Td (ged through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 494.25 Td (Chapter7 bankruptcy) Tj ET Q q 0 0 0 rg BT 409.99 494.25 Td (, other than Federal Housing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 482.25 Td (Administration \(FHA\)-insured loans, are classified as non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 470.25 Td (accrual. Commercial market loans are placed on a cash \(non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 458.25 Td (accrual\) basis when it is determined, based on actual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 446.25 Td (experience and a forward-looking assessment of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 434.25 Td (collectability of the loan in full, that the payment of interest or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 422.25 Td (principal is doubtful or when interest or principal is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.56 422.25 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.56 422.25 Td (days ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 410.25 Td (past due.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 398.25 Td (The policy for re-aging modified U.S.consumer loans to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 386.25 Td (current status varies by product. Generally) Tj ET Q q 0 0 0 rg BT 493.29 386.25 Td (, one of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 374.25 Td (conditions to qualify for these modifications is that a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 362.25 Td (minimum number of payments \(typically ranging from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.90 362.25 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.34 362.25 Td ( to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 350.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.99 350.25 Td (\) be made. Upon modification, the loan is re-aged to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 338.25 Td (current status. However) Tj ET Q q 0 0 0 rg BT 418.84 338.25 Td (, re-aging practices for certain open-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 326.25 Td (ended consumer loans, such as credit cards, are governed by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 314.25 Td (Federal Financial Institutions Examination Council \(FFIEC\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 302.25 Td (guidelines. For open-ended consumer loans subject to FFIEC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 290.25 Td (guidelines, one of the conditions for a loan to be re-aged to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 278.25 Td (current status is that at least ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.30 278.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.29 278.25 Td ( consecutive minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 266.25 Td (monthly payments, or the equivalent amount, must be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 254.25 Td (received. In addition, under FFIEC guidelines, the number of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 242.25 Td (times that such a loan can be re-aged is subject to limitations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 230.25 Td (\(generally once in 12months and twice in five years\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 218.25 Td (Furthermore, FHA) Tj ET Q q 0 0 0 rg BT 398.44 218.25 Td ( and Department of ) Tj ET Q q 0 0 0 rg BT 478.23 218.25 Td (V) Tj ET Q q 0 0 0 rg BT 484.34 218.25 Td (eterans ) Tj ET Q q 0 0 0 rg BT 514.61 218.25 Td (Af) Tj ET Q q 0 0 0 rg BT 524.98 218.25 Td (fairs \(V) Tj ET Q q 0 0 0 rg BT 554.51 218.25 Td (A\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 206.25 Td (loans are modified under those respective agencies) Tj ET Q q 0 0 0 rg BT 529.84 206.25 Td ( guidelines ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 194.25 Td (and payments are not always required in order to re-age a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 182.25 Td (modified loan to current.) Tj ET Q endstream endobj 403 0 obj <> endobj 404 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (199) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (The following tables provide details on Citigroup) Tj ET Q q 0 0 0 rg BT 236.52 742.10 Td (s consumer loan delinquency and non-accrual loans:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 722.10 Td (Consumer) Tj ET Q q 0 0 0 rg BT 80.26 722.10 Td ( Loan Delinquency and Non-Accrual Details at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.22 722.10 Td (December) Tj ET Q q 0 0 0 rg BT 325.34 722.10 Td (31, 2015) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 679.60 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 679.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 679.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 679.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 679.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 679.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 679.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 679.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 651.60 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 651.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 651.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 651.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 651.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 651.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 651.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 651.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 623.60 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 623.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 623.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 623.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 623.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 623.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 623.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 623.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 595.60 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 595.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 595.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 595.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 595.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 595.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 595.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 595.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 567.60 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 567.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 567.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 567.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 567.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 567.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 567.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 567.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 539.60 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 539.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 539.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 539.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 539.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 539.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 539.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 539.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 511.60 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 511.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 511.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 511.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 511.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 511.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 511.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 511.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 483.60 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 483.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 483.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 483.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 483.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 483.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 483.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 483.60 73.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 679.6 m 198.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 679.6 m 250.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 679.6 m 300.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 679.6 m 349.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 711.6 m 409.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 679.6 m 409.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 679.6 m 454.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 679.6 m 503.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 679.6 m 576.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 679.6 m 409.5 665.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 665.6 m 409.5 651.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 651.6 m 409.5 637.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 637.6 m 409.5 623.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 623.6 m 409.5 609.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 609.6 m 409.5 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 595.6 m 198.5 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 581.6 m 198.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 595.6 m 250.5 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 581.6 m 250.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 595.6 m 300.5 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 581.6 m 300.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 595.6 m 349.5 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 581.6 m 349.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 595.6 m 409.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 595.6 m 409.5 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 581.6 m 409.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 595.6 m 454.5 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 581.6 m 454.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 595.6 m 503.5 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 581.6 m 503.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 595.6 m 576.5 595.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 581.6 m 576.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 581.6 m 409.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 567.6 m 409.5 553.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 553.6 m 409.5 539.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 539.6 m 409.5 525.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 525.6 m 409.5 511.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 511.6 m 198.5 511.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 497.6 m 198.5 497.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 511.6 m 250.5 511.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 497.6 m 250.5 497.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 511.6 m 300.5 511.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 497.6 m 300.5 497.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 511.6 m 349.5 511.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 497.6 m 349.5 497.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 511.6 m 409.5 497.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 511.6 m 409.5 511.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 497.6 m 409.5 497.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 511.6 m 454.5 511.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 497.6 m 454.5 497.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 511.6 m 503.5 511.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 497.6 m 503.5 497.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 511.6 m 576.5 511.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 497.6 m 576.5 497.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 497.6 m 409.5 483.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 483.6 m 409.5 469.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 469.6 m 198.5 469.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 455.6 m 198.5 455.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 469.6 m 250.5 469.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 455.6 m 250.5 455.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 469.6 m 300.5 469.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 455.6 m 300.5 455.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 469.6 m 349.5 469.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 455.6 m 349.5 455.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 469.6 m 409.5 455.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 469.6 m 409.5 469.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 455.6 m 409.5 455.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 469.6 m 454.5 469.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 455.6 m 454.5 455.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 469.6 m 503.5 469.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 455.6 m 503.5 455.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 469.6 m 576.5 469.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 455.6 m 576.5 455.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 683.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 214.15 693.05 Td (T) Tj ET Q q 0 0 0 rg BT 219.33 693.05 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.75 684.05 Td (curr) Tj ET Q q 0 0 0 rg BT 219.58 684.05 Td (ent) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 231.57 688.13 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.85 693.05 Td (3089days) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.45 684.05 Td (pastdue) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 287.71 688.13 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET /GS0 gs q 7.19 0 0 9.04 306.50 691.11 cm /I33 Do Q q 0 0 0 rg BT 313.69 693.05 Td (90days) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.95 684.05 Td (pastdue) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 337.21 688.13 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.60 702.05 Td (Pastdue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.00 693.05 Td (government) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.80 684.05 Td (guaranteed) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 397.30 688.13 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.65 693.05 Td (T) Tj ET Q q 0 0 0 rg BT 426.83 693.05 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.05 684.05 Td (loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 438.06 688.13 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.65 702.05 Td (T) Tj ET Q q 0 0 0 rg BT 473.83 702.05 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.70 693.05 Td (non-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.25 684.05 Td (accrual) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.85 693.05 Td (90dayspastdue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.35 684.05 Td (andaccruing) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 670.06 Td (In North America offices) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 670.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 670.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 670.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 670.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 670.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 670.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 656.06 Td (Residential first mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.00 656.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.25 656.05 Td (53,146) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.00 656.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.50 656.05 Td (846) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.00 656.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.50 656.05 Td (564) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 656.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.75 656.05 Td (2,318) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 656.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.25 656.05 Td (56,874) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 656.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 656.05 Td (1,216) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 656.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 656.05 Td (1,997) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 642.06 Td (Home equity loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 112.99 646.14 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.25 642.05 Td (22,335) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.50 642.05 Td (136) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.50 642.05 Td (277) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 642.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.25 642.05 Td (22,748) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 642.05 Td (1,017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 642.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 628.06 Td (Credit cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 217.75 628.05 Td (110,814) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.75 628.05 Td (1,296) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 325.75 628.05 Td (1,243) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 628.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.75 628.05 Td (113,353) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 628.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 628.05 Td (1,243) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 614.06 Td (Installment and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.75 614.05 Td (4,236) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.00 614.05 Td (80) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.00 614.05 Td (33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 614.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.75 614.05 Td (4,349) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 614.05 Td (56) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 568.50 614.05 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 600.06 Td (Commercial market loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.75 600.05 Td (8,241) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.00 600.05 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.00 600.05 Td (61) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 600.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.75 600.05 Td (8,318) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.50 600.05 Td (222) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 600.05 Td (17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 586.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.00 586.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 217.75 586.05 Td (198,772) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.00 586.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.75 586.05 Td (2,374) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.00 586.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 325.75 586.05 Td (2,178) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 586.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.75 586.05 Td (2,318) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 586.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.75 586.05 Td (205,642) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 586.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 586.05 Td (2,511) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 586.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 586.05 Td (3,259) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 572.06 Td (In offices outside North America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.00 572.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 572.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 572.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 572.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 572.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 572.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 572.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 558.06 Td (Residential first mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.00 558.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.25 558.05 Td (39,698) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.00 558.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.50 558.05 Td (241) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.00 558.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.50 558.05 Td (178) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 558.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 558.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 558.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.25 558.05 Td (40,117) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 558.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.50 558.05 Td (390) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 558.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 558.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 544.06 Td (Credit cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.25 544.05 Td (25,810) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.50 544.05 Td (478) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.50 544.05 Td (442) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 544.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.25 544.05 Td (26,730) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.50 544.05 Td (261) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.50 544.05 Td (278) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 530.06 Td (Installment and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.25 530.05 Td (29,067) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.50 530.05 Td (317) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.50 530.05 Td (192) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 530.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.25 530.05 Td (29,576) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.50 530.05 Td (226) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 530.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 516.06 Td (Commercial market loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 222.25 516.05 Td (27,401) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.00 516.05 Td (62) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.00 516.05 Td (63) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 516.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.25 516.05 Td (27,526) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.50 516.05 Td (277) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 516.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 502.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.00 502.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 217.75 502.05 Td (121,976) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.00 502.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.75 502.05 Td (1,098) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.00 502.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.50 502.05 Td (875) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 502.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 502.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 502.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.75 502.05 Td (123,949) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 502.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 502.05 Td (1,154) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 502.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.50 502.05 Td (278) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 488.06 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 488.06 Td (otal ) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 59.61 488.06 Td (GCB) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 77.61 488.06 Td ( and Citi Holdings consumer) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.00 488.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 217.75 488.05 Td (320,748) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.00 488.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.75 488.05 Td (3,472) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.00 488.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 325.75 488.05 Td (3,053) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 488.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.75 488.05 Td (2,318) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 488.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.75 488.05 Td (329,591) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 488.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 488.05 Td (3,665) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 488.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 488.05 Td (3,537) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 474.05 Td (Other) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 61.99 478.13 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 474.05 Td (178) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.50 474.05 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.50 474.05 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 474.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.50 474.05 Td (192) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 474.05 Td (25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 474.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 460.05 Td (Total Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.00 460.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 217.75 460.05 Td (320,926) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.00 460.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.75 460.05 Td (3,479) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.00 460.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 325.75 460.05 Td (3,060) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 460.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.75 460.05 Td (2,318) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 460.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.75 460.05 Td (329,783) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.00 460.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 460.05 Td (3,690) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.00 460.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 460.05 Td (3,537) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 438.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 438.50 Td (Loans less than ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 105.32 438.50 Td (30) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 113.32 438.50 Td (days past due are presented as current.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 428.90 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 428.90 Td (Includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.10 428.90 Td ($34 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 120.21 428.90 Td ( of residential first mortgages recorded at fair value.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 419.30 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 419.30 Td (Excludes loans guaranteed by U.S.government-sponsored entities.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 409.70 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 409.70 Td (Consists of residential first mortgages that are guaranteed by U.S.government-sponsored entities that are 3089days past due of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 468.34 409.70 Td ($0.3 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.23 409.70 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 520.79 409.70 Td (90) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 528.79 409.70 Td (days or more ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 400.10 Td (past due of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 91.10 400.10 Td ($2.0 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 127.99 400.10 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 390.50 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 390.50 Td (Fixed-rate home equity loans and loans extended under home equity lines of credit, which are typically in junior lien positions.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 380.90 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 380.90 Td (Represents loans classified as consumer loans on the Consolidated Balance Sheet that are not included in the Citi Holdings consumer credit metrics.) Tj ET Q endstream endobj 405 0 obj <> endobj 406 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (200) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Consumer) Tj ET Q q 0 0 0 rg BT 80.26 742.25 Td ( Loan Delinquency and Non-Accrual Details at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.22 742.25 Td (December) Tj ET Q q 0 0 0 rg BT 325.34 742.25 Td (31, 2014) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 699.75 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 699.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 699.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 699.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 699.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 699.75 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 699.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 699.75 73.00 -14.00 re f 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0.9333333333333333 1 rg /GS0 gs 409.50 643.75 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 643.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 643.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 615.75 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 615.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 615.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 615.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 615.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 615.75 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 615.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 615.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 587.75 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 587.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 587.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 587.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 587.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 587.75 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 587.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 587.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 559.75 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 559.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 559.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 559.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 559.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 559.75 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 559.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 559.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 531.75 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 531.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 531.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 531.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 531.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 531.75 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 531.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 531.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 503.75 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 503.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 503.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 503.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 503.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 503.75 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 503.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 503.75 73.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 699.75 m 198.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 699.75 m 250.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 699.75 m 300.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 699.75 m 349.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 731.75 m 409.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 699.75 m 409.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 699.75 m 453.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 699.75 m 503.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 699.75 m 576.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 699.75 m 409.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 685.75 m 409.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 671.75 m 409.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 657.75 m 409.5 643.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 643.75 m 409.5 629.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 629.75 m 409.5 615.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 615.75 m 198.5 615.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 601.75 m 198.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 615.75 m 250.5 615.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 601.75 m 250.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 615.75 m 300.5 615.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 601.75 m 300.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 615.75 m 349.5 615.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 601.75 m 349.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 615.75 m 409.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 615.75 m 409.5 615.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 601.75 m 409.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 615.75 m 453.5 615.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 601.75 m 453.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 615.75 m 503.5 615.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 601.75 m 503.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 615.75 m 576.5 615.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 601.75 m 576.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 601.75 m 409.5 587.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 587.75 m 409.5 573.75 l s 0 0 0 RG /GS0 gs 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531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 517.75 m 409.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 531.75 m 453.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 517.75 m 453.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 531.75 m 503.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 517.75 m 503.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 531.75 m 576.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 517.75 m 576.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 517.75 m 409.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 503.75 m 409.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 489.75 m 198.5 489.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 475.75 m 198.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 489.75 m 250.5 489.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 475.75 m 250.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 489.75 m 300.5 489.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 475.75 m 300.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 489.75 m 349.5 489.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 475.75 m 349.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 489.75 m 409.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 489.75 m 409.5 489.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 475.75 m 409.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 489.75 m 453.5 489.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 475.75 m 453.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 489.75 m 503.5 489.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 475.75 m 503.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 489.75 m 576.5 489.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 475.75 m 576.5 475.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 704.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 214.15 713.20 Td (T) Tj ET Q q 0 0 0 rg BT 219.33 713.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.75 704.20 Td (curr) Tj ET Q q 0 0 0 rg BT 219.58 704.20 Td (ent) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 231.57 708.28 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.85 713.20 Td (3089days) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 255.45 704.20 Td (pastdue) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 287.71 708.28 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET /GS0 gs q 35.95 0 0 9.04 306.50 711.26 cm /I34 Do Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.95 704.20 Td (pastdue) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 337.21 708.28 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.60 722.20 Td (Pastdue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.00 713.20 Td (government) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.80 704.20 Td (guaranteed) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 397.30 708.28 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.15 713.20 Td (T) Tj ET Q q 0 0 0 rg BT 426.33 713.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.55 704.20 Td (loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 437.56 708.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.15 722.20 Td (T) Tj ET Q q 0 0 0 rg BT 473.33 722.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.20 713.20 Td (non-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.75 704.20 Td (accrual) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.85 713.20 Td (90dayspastdue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.35 704.20 Td (andaccruing) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 690.21 Td (In North America offices) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.00 690.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 690.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 690.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 690.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 690.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 690.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 690.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 676.21 Td (Residential first mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.00 676.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.25 676.21 Td (61,730) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 676.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.75 676.21 Td (1,280) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 676.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.75 676.21 Td (1,371) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 676.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.75 676.21 Td (3,443) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 676.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 676.21 Td (67,824) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 676.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 676.21 Td (2,746) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 676.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 676.21 Td (2,759) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 662.21 Td (Home equity loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 112.99 666.29 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.25 662.21 Td (27,262) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.50 662.21 Td (335) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 662.21 Td (520) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 662.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 662.21 Td (28,117) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 662.21 Td (1,271) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 662.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 648.21 Td (Credit cards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.75 648.21 Td (111,441) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.75 648.21 Td (1,316) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.75 648.21 Td (1,271) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 648.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 648.21 Td (114,028) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 648.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 648.21 Td (1,273) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 634.21 Td (Installment and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.25 634.21 Td (12,361) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.50 634.21 Td (229) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 634.21 Td (284) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 634.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 634.21 Td (12,874) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 634.21 Td (254) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 634.21 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 620.21 Td (Commercial market loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 226.75 620.21 Td (8,630) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 620.21 Td (31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 620.21 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 620.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 620.21 Td (8,674) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 620.21 Td (135) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 620.21 Td (15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 606.20 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.00 606.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.75 606.21 Td (221,424) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 606.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.75 606.21 Td (3,191) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 606.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.75 606.21 Td (3,459) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 606.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.75 606.21 Td (3,443) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 606.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 606.21 Td (231,517) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 606.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 606.21 Td (4,406) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 606.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 606.21 Td (4,050) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 592.21 Td (In offices outside North America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.00 592.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 592.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 592.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 592.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 592.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 592.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 592.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 578.21 Td (Residential first mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.00 578.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.25 578.21 Td (44,782) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 578.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.50 578.21 Td (312) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 578.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 578.21 Td (223) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 578.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 578.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 578.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 578.21 Td (45,317) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 578.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 578.21 Td (454) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 578.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 578.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 564.21 Td (Credit cards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.25 564.21 Td (30,327) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.50 564.21 Td (602) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 564.21 Td (553) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 564.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 564.21 Td (31,482) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 564.21 Td (413) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 564.21 Td (322) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 550.21 Td (Installment and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.25 550.21 Td (29,297) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.50 550.21 Td (328) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 550.21 Td (149) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 550.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 550.21 Td (29,774) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 550.21 Td (216) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 550.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 536.21 Td (Commercial market loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.25 536.21 Td (31,280) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 536.21 Td (86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.50 536.21 Td (255) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 536.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 536.21 Td (31,621) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 536.21 Td (405) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 536.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 522.20 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.00 522.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.75 522.21 Td (135,686) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 522.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.75 522.21 Td (1,328) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 522.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.75 522.21 Td (1,180) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 522.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 522.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 522.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 522.21 Td (138,194) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 522.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 522.21 Td (1,488) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 522.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 522.21 Td (322) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 508.21 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 508.21 Td (otal ) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 59.61 508.21 Td (GCB) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 77.61 508.21 Td ( and Citi Holdings) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.00 508.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.75 508.21 Td (357,110) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 508.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.75 508.21 Td (4,519) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 508.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.75 508.21 Td (4,639) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 508.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.75 508.21 Td (3,443) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 508.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 508.21 Td (369,711) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 508.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 508.21 Td (5,894) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 508.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 508.21 Td (4,372) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 494.20 Td (Other) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 61.99 498.28 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.50 494.21 Td (238) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 494.21 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 494.21 Td (11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 494.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 494.21 Td (259) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 494.21 Td (30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 494.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 480.20 Td (Total Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.00 480.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.75 480.21 Td (357,348) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 480.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.75 480.21 Td (4,529) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 480.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.75 480.21 Td (4,650) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 480.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.75 480.21 Td (3,443) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 480.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 480.21 Td (369,970) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 480.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 480.21 Td (5,924) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 480.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 480.21 Td (4,372) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 458.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 458.65 Td (Loans less than ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 105.32 458.65 Td (30) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 113.32 458.65 Td (days past due are presented as current.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 449.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 449.05 Td (Includes ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.10 449.05 Td ($43 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 120.21 449.05 Td ( of residential first mortgages recorded at fair value.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 439.45 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 439.45 Td (Excludes loans guaranteed by U.S.government-sponsored entities.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 429.85 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 429.85 Td (Consists of residential first mortgages that are guaranteed by U.S.government-sponsored entities that are 3089days past due of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 468.34 429.85 Td ($0.6 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.23 429.85 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 520.79 429.85 Td (90) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 528.79 429.85 Td (days or more ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 420.25 Td (past due of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 91.10 420.25 Td ($2.8 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 127.99 420.25 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 410.65 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 410.65 Td (Fixed-rate home equity loans and loans extended under home equity lines of credit, which are typically in junior lien positions.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 401.05 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 401.05 Td (Represents loans classified as consumer loans on the Consolidated Balance Sheet that are not included in the Citi Holdings consumer credit metrics.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 377.05 Td (Consumer Cr) Tj ET Q q 0 0 0 rg BT 89.80 377.05 Td (edit Scor) Tj ET Q q 0 0 0 rg BT 125.26 377.05 Td (es \(FICO\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.05 Td (In the U.S., independent credit agencies rate an individual) Tj ET Q q 0 0 0 rg BT 270.64 365.05 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.05 Td (risk for assuming debt based on the individual) Tj ET Q q 0 0 0 rg BT 223.47 353.05 Td (s credit history ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.05 Td (and assign every consumer a FICO \(Fair Isaac Corporation\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.05 Td (credit score. ) Tj ET Q q 0 0 0 rg BT 87.18 329.05 Td (These scores are continually updated by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.05 Td (agencies based upon an individual) Tj ET Q q 0 0 0 rg BT 175.96 317.05 Td (s credit actions \(e.g.,taking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.05 Td (out a loan or missed or late payments\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 293.05 Td (The following tables provide details on the FICO scores ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.05 Td (attributable to Citi) Tj ET Q q 0 0 0 rg BT 112.10 281.05 Td (s U.S.consumer loan portfolio as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.05 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.58 269.05 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.02 269.05 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.02 269.05 Td ( \(commercial market loans are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.05 Td (not included in the table since they are business based and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.05 Td (FICO scores are not a primary driver in their credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.05 Td (evaluation\). FICO scores are updated monthly for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.05 Td (substantially all of the portfolio or) Tj ET Q q 0 0 0 rg BT 172.52 221.05 Td (, otherwise, on a quarterly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.05 Td (basis for the remaining portfolio.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 326.55 83.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 326.55 48.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 326.55 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 519.50 326.55 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 289.55 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 289.55 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 289.55 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 519.50 289.55 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 261.55 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 261.55 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 261.55 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 519.50 261.55 57.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 358.54999999999995 m 407.5 358.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 358.54999999999995 m 455.5 358.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 358.54999999999995 m 519.5 358.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 358.54999999999995 m 576.5 358.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 326.54999999999995 m 407.5 326.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 326.54999999999995 m 455.5 326.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 326.54999999999995 m 519.5 326.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 326.54999999999995 m 576.5 326.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 326.54999999999995 m 455.5 326.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 326.54999999999995 m 519.5 326.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 326.54999999999995 m 576.5 326.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 261.54999999999995 m 455.5 261.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 261.54999999999995 m 519.5 261.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 261.54999999999995 m 576.5 261.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 261.54999999999995 m 407.5 261.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 247.54999999999995 m 407.5 247.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 261.54999999999995 m 455.5 261.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 247.54999999999995 m 455.5 247.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 261.54999999999995 m 519.5 261.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 247.54999999999995 m 519.5 247.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 261.54999999999995 m 576.5 261.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 247.54999999999995 m 576.5 247.54999999999995 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.20 381.00 Td (FICO scor) Tj ET Q q 0 0 0 rg BT 383.78 381.00 Td (e ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.85 372.00 Td (distribution in ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.80 363.00 Td (U.S.portfolio) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 384.55 367.08 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.20 363.00 Td (December 31, 2015) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 327.00 330.80 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.60 340.00 Td (Less than) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.25 331.00 Td (620) Tj ET Q BT /F2 9.00 Tf ET /GS0 gs q 7.19 0 0 9.04 461.15 338.06 cm /I35 Do Q q 0 0 0 rg BT 468.34 340.00 Td (620 ) Tj ET Q q 0 0 0 rg BT 484.09 340.00 Td (but ) Tj ET Q q 0 0 0 rg BT 499.35 340.00 Td (less) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.35 331.00 Td (than 660) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 525.80 349.00 Td (Equal to or) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.65 340.00 Td (gr) Tj ET Q q 0 0 0 rg BT 541.98 340.00 Td (eater) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.85 331.00 Td (than 660) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 317.01 Td (Residential first) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 308.01 Td (mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 308.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.75 308.00 Td (3,483) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 308.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.75 308.00 Td (3,036) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.00 308.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 308.00 Td (45,047) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 294.01 Td (Home equity loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.75 294.00 Td (2,067) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.75 294.00 Td (1,782) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 294.00 Td (17,837) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 280.01 Td (Credit cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.75 280.00 Td (7,341) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.25 280.00 Td (10,072) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 280.00 Td (93,194) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 266.01 Td (Installment and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.50 266.00 Td (337) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.50 266.00 Td (270) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 266.00 Td (2,662) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 252.00 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 252.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.25 252.00 Td (13,228) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 252.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.25 252.00 Td (15,160) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.00 252.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 252.00 Td (158,740) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 230.45 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 230.45 Td (Excludes loans guaranteed by U.S.government entities, loans subject to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 220.85 Td (long-term standby commitments \(L) Tj ET Q q 0 0 0 rg BT 454.80 220.85 Td (TSCs\) with U.S.government-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 211.25 Td (sponsored entities and loans recorded at fair value.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 201.65 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 201.65 Td (Excludes balances where FICO was not available. Such amounts are not ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 192.05 Td (material.) Tj ET Q endstream endobj 407 0 obj <> endobj 408 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (201) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 684.50 83.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 119.50 684.50 48.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 684.50 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.50 684.50 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 647.50 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 119.50 647.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 647.50 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.50 647.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 619.50 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 119.50 619.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 619.50 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.50 619.50 57.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 716.5 m 119.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 716.5 m 167.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 716.5 m 231.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 716.5 m 288.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 684.5 m 119.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 684.5 m 167.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 684.5 m 231.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 684.5 m 288.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 684.5 m 167.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 684.5 m 231.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 684.5 m 288.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 619.5 m 167.5 619.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 619.5 m 231.5 619.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 619.5 m 288.5 619.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 619.5 m 119.5 619.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 605.5 m 119.5 605.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 619.5 m 167.5 619.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 605.5 m 167.5 605.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 619.5 m 231.5 619.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 605.5 m 231.5 605.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 619.5 m 288.5 619.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 605.5 m 288.5 605.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 55.20 738.95 Td (FICO scor) Tj ET Q q 0 0 0 rg BT 95.78 738.95 Td (e ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 49.85 729.95 Td (distribution in ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 44.80 720.95 Td (U.S.portfolio) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 96.55 725.03 Td (\(1\)\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 168.10 720.96 Td (December 31, 2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 688.75 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 125.85 697.96 Td (Less than) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 136.25 688.96 Td (620) Tj ET Q BT /F1 9.00 Tf ET /GS0 gs q 7.19 0 0 9.18 173.90 696.02 cm /I36 Do Q q 0 0 0 rg BT 181.09 697.96 Td (620 ) Tj ET Q q 0 0 0 rg BT 196.84 697.96 Td (but ) Tj ET Q q 0 0 0 rg BT 210.59 697.96 Td (less) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 183.35 688.96 Td (than 660) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 239.50 706.96 Td (Equal to or) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 247.00 697.96 Td (greater) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 243.85 688.96 Td (than 660) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 674.96 Td (Residential first) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 665.96 Td (mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 122.00 665.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 143.75 665.96 Td (8,911) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 170.00 665.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.75 665.96 Td (5,463) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.00 665.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 665.96 Td (45,783) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 651.96 Td (Home equity loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 143.75 651.96 Td (3,257) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.75 651.96 Td (2,456) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 651.96 Td (20,957) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 637.96 Td (Credit cards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 143.75 637.96 Td (7,647) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.25 637.96 Td (10,296) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.25 637.96 Td (92,877) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 623.96 Td (Installment and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 143.75 623.96 Td (4,015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.75 623.96 Td (2,520) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 623.96 Td (5,150) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 609.95 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 122.00 609.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.25 609.96 Td (23,830) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 170.00 609.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.25 609.96 Td (20,735) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.00 609.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.75 609.96 Td (164,767) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 588.40 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 588.40 Td (Excludes loans guaranteed by U.S.government entities, loans subject to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 578.80 Td (L) Tj ET Q q 0 0 0 rg BT 58.15 578.80 Td (TSCs with U.S.government-sponsored entities and loans recorded at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 569.20 Td (fair value.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 559.60 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 559.60 Td (Excludes balances where FICO was not available. Such amounts are not ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 550.05 Td (material.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 526.00 Td (Loan to V) Tj ET Q q 0 0 0 rg BT 74.34 526.00 Td (alue \(L) Tj ET Q q 0 0 0 rg BT 102.75 526.00 Td (TV\) Ratios) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.00 Td (L) Tj ET Q q 0 0 0 rg BT 41.19 514.00 Td (TV) Tj ET Q q 0 0 0 rg BT 54.34 514.00 Td ( ratios \(loan balance divided by appraised value\) are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.00 Td (calculated at origination and updated by applying market price ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.00 Td (data.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 478.00 Td (The following tables provide details on the L) Tj ET Q q 0 0 0 rg BT 233.32 478.00 Td (TV) Tj ET Q q 0 0 0 rg BT 246.47 478.00 Td ( ratios ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.00 Td (attributable to Citi) Tj ET Q q 0 0 0 rg BT 112.10 466.00 Td (s U.S.consumer mortgage portfolios. L) Tj ET Q q 0 0 0 rg BT 269.49 466.00 Td (TV) Tj ET Q q 0 0 0 rg BT 282.64 466.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.00 Td (ratios are updated monthly using the most recent Core Logic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.00 Td (Home Price Index data available for substantially all of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.00 Td (portfolio applied at the Metropolitan Statistical ) Tj ET Q q 0 0 0 rg BT 225.96 430.00 Td (Area level, if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.00 Td (available, or the state level if not. ) Tj ET Q q 0 0 0 rg BT 171.60 418.00 Td (The remainder of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.00 Td (portfolio is updated in a similar manner using the Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.00 Td (Housing Finance ) Tj ET Q q 0 0 0 rg BT 106.00 394.00 Td (Agency indices.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 319.50 83.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 119.50 319.50 48.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 319.50 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.50 319.50 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 282.50 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 119.50 282.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 282.50 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.50 282.50 57.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 360.5 m 119.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 360.5 m 167.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 360.5 m 231.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 360.5 m 288.5 360.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 319.5 m 119.5 319.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 319.5 m 167.5 319.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 319.5 m 231.5 319.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 319.5 m 288.5 319.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 319.5 m 167.5 319.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 319.5 m 231.5 319.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 319.5 m 288.5 319.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 282.5 m 167.5 282.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 282.5 m 231.5 282.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 282.5 m 288.5 282.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 282.5 m 119.5 282.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 268.5 m 119.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 282.5 m 167.5 282.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 119.5 268.5 m 167.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 282.5 m 231.5 282.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 268.5 m 231.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 282.5 m 288.5 282.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 268.5 m 288.5 268.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.95 373.95 Td (L) Tj ET Q q 0 0 0 rg BT 45.13 373.95 Td (TV) Tj ET Q q 0 0 0 rg BT 57.47 373.95 Td ( distribution in ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 44.80 364.95 Td (U.S.portfolio) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 96.55 369.03 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 167.20 364.95 Td (December 31, 2015) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 323.75 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 124.60 350.95 Td (Less than ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 138.80 341.95 Td (or) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 127.60 332.95 Td (equal to ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 134.00 323.95 Td (80%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.80 350.95 Td (> 80% but less) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 173.30 341.95 Td (than or) Tj ET Q q 0 0 0 rg BT 201.39 341.95 Td ( equal ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.25 332.95 Td (to) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.75 323.95 Td (100%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.40 341.95 Td (Gr) Tj ET Q q 0 0 0 rg BT 255.23 341.95 Td (eater) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.70 332.95 Td (than) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.25 323.95 Td (100%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 309.96 Td (Residential first) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 300.96 Td (mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 122.00 300.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 139.25 300.95 Td (46,559) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 300.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 300.95 Td (4,478) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.00 300.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.50 300.95 Td (626) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 286.96 Td (Home equity loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 139.25 286.95 Td (13,904) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 286.95 Td (5,147) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 286.95 Td (2,527) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 272.95 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 122.00 272.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 139.25 272.95 Td (60,463) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.00 272.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 272.95 Td (9,625) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.00 272.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 272.95 Td (3,153) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 251.40 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 251.40 Td (Excludes loans guaranteed by U.S.government entities, loans subject to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 241.80 Td (L) Tj ET Q q 0 0 0 rg BT 58.15 241.80 Td (TSCs with U.S.government-sponsored entities and loans recorded at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 232.20 Td (fair value.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 222.60 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 222.60 Td (Excludes balances where L) Tj ET Q q 0 0 0 rg BT 140.56 222.60 Td (TV) Tj ET Q q 0 0 0 rg BT 151.08 222.60 Td ( was not available. Such amounts are not ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 213.00 Td (material.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 684.50 83.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 684.50 48.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 684.50 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 519.50 684.50 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 647.50 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 647.50 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 647.50 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 519.50 647.50 57.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 725.5 m 407.5 725.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 725.5 m 455.5 725.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 725.5 m 519.5 725.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 725.5 m 576.5 725.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 684.5 m 407.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 684.5 m 455.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 684.5 m 519.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 684.5 m 576.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 684.5 m 455.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 684.5 m 519.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 684.5 m 576.5 684.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 647.5 m 455.5 647.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 647.5 m 519.5 647.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 647.5 m 576.5 647.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 647.5 m 407.5 647.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 633.5 m 407.5 633.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 647.5 m 455.5 647.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 633.5 m 455.5 633.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 647.5 m 519.5 647.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 633.5 m 519.5 633.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 647.5 m 576.5 647.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 633.5 m 576.5 633.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.95 738.95 Td (L) Tj ET Q q 0 0 0 rg BT 333.13 738.95 Td (TV) Tj ET Q q 0 0 0 rg BT 345.47 738.95 Td ( distribution in ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.80 729.95 Td (U.S.portfolio) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 384.55 734.03 Td (\(1\)\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.10 729.96 Td (December 31, 2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 327.00 688.75 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.85 715.96 Td (Less than ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.25 706.96 Td (or) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.60 697.96 Td (equal to ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 688.96 Td (80%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.30 706.96 Td (> 80% but less) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.85 697.96 Td (than or equal to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.50 688.96 Td (100%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 706.96 Td (Greater) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.75 697.96 Td (than) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 688.96 Td (100%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 674.96 Td (Residential first) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 665.96 Td (mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 665.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.25 665.96 Td (48,163) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.00 665.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.75 665.96 Td (9,480) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 665.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 665.96 Td (2,670) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 651.96 Td (Home equity loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.25 651.96 Td (14,638) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.75 651.96 Td (7,267) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 651.96 Td (4,641) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 637.95 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 637.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.25 637.96 Td (62,801) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.00 637.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.25 637.96 Td (16,747) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 637.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 637.96 Td (7,311) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 616.40 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 616.40 Td (Excludes loans guaranteed by U.S.government entities, loans subject to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 606.80 Td (L) Tj ET Q q 0 0 0 rg BT 346.15 606.80 Td (TSCs with U.S.government-sponsored entities and loans recorded at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 597.25 Td (fair value.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 587.65 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 587.65 Td (Excludes balances where L) Tj ET Q q 0 0 0 rg BT 428.56 587.65 Td (TV) Tj ET Q q 0 0 0 rg BT 439.08 587.65 Td ( was not available. Such amounts are not ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 578.05 Td (material.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 554.05 Td (Impair) Tj ET Q q 0 0 0 rg BT 353.82 554.05 Td (ed Consumer) Tj ET Q q 0 0 0 rg BT 410.58 554.05 Td ( Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 542.05 Td (Impaired loans are those loans where Citigroup believes it is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 530.00 Td (probable all amounts due according to the original contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 518.00 Td (terms of the loan will not be collected. Impaired consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 506.00 Td (loans include non-accrual commercial market loans, as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 494.00 Td (smaller) Tj ET Q q 0 0 0 rg BT 353.23 494.00 Td (-balance homogeneous loans whose terms have been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 482.00 Td (modified due to the borrower) Tj ET Q q 0 0 0 rg BT 441.56 482.00 Td () Tj ET Q q 0 0 0 rg BT 444.34 482.00 Td (s financial dif) Tj ET Q q 0 0 0 rg BT 499.14 482.00 Td (ficulties and where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 470.00 Td (Citigroup has granted a concession to the borrower) Tj ET Q q 0 0 0 rg BT 527.56 470.00 Td (. ) Tj ET Q q 0 0 0 rg BT 532.38 470.00 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 458.00 Td (modifications may include interest rate reductions and/or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 446.00 Td (principal for) Tj ET Q q 0 0 0 rg BT 373.52 446.00 Td (giveness. Impaired consumer loans exclude ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 434.00 Td (smaller) Tj ET Q q 0 0 0 rg BT 353.23 434.00 Td (-balance homogeneous loans that have not been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 422.00 Td (modified and are carried on a non-accrual basis. ) Tj ET Q endstream endobj 409 0 obj <> endobj 410 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (202) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 742.10 Td (The following tables present information about total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (impaired consumer loans and for interest income recognized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (on impaired consumer loans:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 647.60 264.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 647.60 68.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 647.60 42.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 647.60 55.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 647.60 45.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 647.60 56.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 617.60 264.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 617.60 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 617.60 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 617.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 617.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 617.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 589.60 264.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 589.60 68.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 589.60 42.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 589.60 55.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 589.60 45.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 589.60 56.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 558.60 264.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 558.60 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 558.60 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 558.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 558.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 558.60 56.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 693.6 m 368.5 693.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 693.6 m 410.5 693.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 693.6 m 465.5 693.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 693.6 m 510.5 693.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 693.6 m 566.5 693.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 661.6 m 300.5 661.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 661.6 m 368.5 661.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 661.6 m 410.5 661.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 661.6 m 465.5 661.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 661.6 m 510.5 661.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 661.6 m 566.5 661.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 558.6 m 368.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 558.6 m 410.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 558.6 m 465.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 558.6 m 510.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 558.6 m 566.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 558.6 m 300.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 544.6 m 300.5 544.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 558.6 m 368.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 544.6 m 368.5 544.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 558.6 m 410.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 544.6 m 410.5 544.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 558.6 m 465.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 544.6 m 465.5 544.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 558.6 m 510.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 544.6 m 510.5 544.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 544.6 m 566.5 544.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.35 698.05 Td (At and for the year ended December 31, 2015) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 665.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 675.05 Td (Recorded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.15 666.05 Td (investment) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 348.14 670.13 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.70 684.05 Td (Unpaid) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.45 675.05 Td (principal ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.20 666.05 Td (balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.75 684.05 Td (Related) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.25 675.05 Td (specific ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.05 666.05 Td (allowance) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 453.05 670.13 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.80 684.05 Td (A) Tj ET Q q 0 0 0 rg BT 477.63 684.05 Td (verage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.00 675.05 Td (carrying ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.80 666.05 Td (value) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 494.30 670.13 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.05 684.05 Td (Inter) Tj ET Q q 0 0 0 rg BT 542.38 684.05 Td (est ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.25 675.05 Td (income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.90 666.05 Td (r) Tj ET Q q 0 0 0 rg BT 517.73 666.05 Td (ecognized) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 555.22 670.13 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 652.06 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 652.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 652.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.00 652.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 652.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 636.06 Td (Residential first mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.00 636.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.75 636.05 Td (6,038) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.00 636.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.75 636.05 Td (6,610) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 636.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.50 636.05 Td (739) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 636.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.75 636.05 Td (8,932) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 636.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.50 636.05 Td (439) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 622.06 Td (Home equity loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.75 622.05 Td (1,399) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.75 622.05 Td (1,972) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.50 622.05 Td (406) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.75 622.05 Td (1,778) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 554.00 622.05 Td (64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 608.06 Td (Credit cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.75 608.05 Td (1,950) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.75 608.05 Td (1,986) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.50 608.05 Td (604) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.75 608.05 Td (2,079) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.50 608.05 Td (179) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 594.06 Td (Installment and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 594.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 594.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.00 594.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 594.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 594.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 577.06 Td (Individual installment and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.50 577.05 Td (464) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.50 577.05 Td (519) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.50 577.05 Td (202) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.50 577.05 Td (449) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 554.00 577.05 Td (54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 563.06 Td (Commercial market loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.50 563.05 Td (352) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.50 563.05 Td (587) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.50 563.05 Td (113) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.50 563.05 Td (372) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 554.00 563.05 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 549.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.00 549.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.25 549.05 Td (10,203) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.00 549.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.25 549.05 Td (11,674) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 549.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.75 549.05 Td (2,064) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 549.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.25 549.05 Td (13,610) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 549.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.50 549.05 Td (749) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 527.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 527.50 Td (Recorded investment in a loan includes net deferred loan fees and costs, unamortized premium or discount and direct write-downs and includes accrued interest ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 517.90 Td (only on credit card loans.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 508.30 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 508.30 Td ($1,151 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 101.11 508.30 Td ( of residential first mortgages, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 199.31 508.30 Td ($459 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.42 508.30 Td ( of home equity loans and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 325.29 508.30 Td ($86 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 362.41 508.30 Td ( of commercial market loans do not have a specific allowance.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 498.70 Td (\(3\) Included in the ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 103.31 498.70 Td (Allowance for loan losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 185.75 498.70 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 489.10 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 52.89 489.10 Td (A) Tj ET Q q 0 0 0 rg BT 58.07 489.10 Td (verage carrying value represents the average recorded investment ending balance for the last ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 355.93 489.10 Td (four) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.26 489.10 Td ( quarters and does not include the related specific allowance.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 479.50 Td (\(5\) Includes amounts recognized on both an accrual and cash basis.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 396.80 264.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 396.80 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 396.80 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 396.80 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 396.80 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 396.80 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 368.80 264.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 368.80 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 368.80 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 368.80 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 368.80 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 368.80 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 340.80 264.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 340.80 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 340.80 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 340.80 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 340.80 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 340.80 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 312.80 264.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 312.80 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 312.80 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 312.80 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 312.80 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 312.80 61.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 435.8 m 368.5 435.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 435.8 m 407.5 435.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 435.8 m 461.5 435.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 435.8 m 500.5 435.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 435.8 m 561.5 435.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 396.8 m 300.5 396.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 435.8 m 368.5 435.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 396.8 m 368.5 396.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 396.8 m 407.5 396.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 435.8 m 461.5 435.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 396.8 m 461.5 396.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 396.8 m 500.5 396.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 435.8 m 561.5 435.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 396.8 m 561.5 396.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 298.8 m 561.5 298.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 298.8 m 300.5 298.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 284.8 m 300.5 284.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 298.8 m 368.5 298.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 284.8 m 368.5 284.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 298.8 m 407.5 298.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 284.8 m 407.5 284.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 298.8 m 461.5 298.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 284.8 m 461.5 284.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 298.8 m 500.5 298.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 284.8 m 500.5 284.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 298.8 m 561.5 298.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 284.8 m 561.5 284.8 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 440.25 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.15 440.26 Td (At and for the year ended December 31, 2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 401.05 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.75 410.26 Td (Recorded) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 307.40 401.26 Td (investment) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 346.89 405.34 Td (\(1\)\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.25 419.26 Td (Unpaid) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.50 410.26 Td (principal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.75 401.26 Td (balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 419.26 Td (Related) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.00 410.26 Td (specific ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.35 401.26 Td (allowance) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 448.83 405.34 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.55 419.26 Td (A) Tj ET Q q 0 0 0 rg BT 471.38 419.26 Td (verage) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.50 410.26 Td (carrying) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.30 401.26 Td (value) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 486.79 405.34 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 419.26 Td (Interest ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.25 410.26 Td (income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.90 401.26 Td (recognized) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 543.38 405.34 Td (\(5\)\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 387.26 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 387.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 387.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 387.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.00 387.26 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.00 387.37 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 373.26 Td (Residential first mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 373.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.25 373.26 Td (13,551) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 373.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.25 373.26 Td (14,387) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 373.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.75 373.26 Td (1,920) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.00 373.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.25 373.26 Td (15,389) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 373.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 373.26 Td (690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 359.26 Td (Home equity loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.75 359.26 Td (2,029) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.75 359.26 Td (2,674) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.50 359.26 Td (602) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 359.26 Td (2,075) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 359.26 Td (74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 345.26 Td (Credit cards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.75 345.26 Td (2,407) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.75 345.26 Td (2,447) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.50 345.26 Td (862) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 345.26 Td (2,732) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 345.26 Td (196) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 331.26 Td (Installment and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 331.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 331.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 331.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.00 331.26 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.00 331.37 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 317.26 Td (Individual installment and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.50 317.26 Td (948) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.50 317.26 Td (963) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.50 317.26 Td (445) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.50 317.26 Td (975) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 317.26 Td (124) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 303.26 Td (Commercial market loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.50 303.26 Td (423) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.50 303.26 Td (599) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 303.26 Td (88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.50 303.26 Td (381) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 303.26 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 289.26 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 289.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.25 289.26 Td (19,358) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 289.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.25 289.26 Td (21,070) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 289.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.75 289.26 Td (3,917) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.00 289.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.25 289.26 Td (21,552) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 289.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 289.26 Td (1,106) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 267.70 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 267.70 Td (Recorded investment in a loan includes net deferred loan fees and costs, unamortized premium or discount and direct write-downs and includes accrued interest ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 258.10 Td (only on credit card loans.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 248.50 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 248.50 Td ($1,896 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 101.11 248.50 Td ( of residential first mortgages, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 199.31 248.50 Td ($554 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.42 248.50 Td ( of home equity loans and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 325.29 248.50 Td ($158 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 366.41 248.50 Td ( of commercial market loans do not have a specific allowance.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 238.90 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 238.90 Td (Included in the ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 103.98 238.90 Td (Allowance for loan losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 186.43 238.90 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 229.30 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 229.30 Td (A) Tj ET Q q 0 0 0 rg BT 59.18 229.30 Td (verage carrying value represents the average recorded investment ending balance for the last ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 357.04 229.30 Td (four) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.37 229.30 Td ( quarters and does not include the related specific allowance.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 219.70 Td (\(5\) Includes amounts recognized on both an accrual and cash basis.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 210.10 Td (\(6\) Interest income recognized for the year ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 201.92 210.10 Td (December31, 2013) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 264.79 210.10 Td ( was $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 285.23 210.10 Td (1,280 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.34 210.10 Td (.) Tj ET Q endstream endobj 411 0 obj <> endobj 412 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (203) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Consumer) Tj ET Q q 0 0 0 rg BT 80.26 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 82.58 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 88.51 742.25 Td (r) Tj ET Q q 0 0 0 rg BT 92.77 742.25 Td (oubled Debt Restructurings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (The following tables present consumer ) Tj ET Q q 0 0 0 rg BT 193.83 730.25 Td (TDRs occurring:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 664.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 664.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 664.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 664.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 664.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 664.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 664.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 636.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 636.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 636.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 636.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 636.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 636.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 636.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 608.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 608.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 608.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 608.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 608.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 608.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 608.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 580.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 580.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 580.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 580.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 580.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 580.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 580.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 552.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 552.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 552.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 552.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 552.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 552.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 552.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 524.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 524.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 524.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 524.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 524.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 524.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 524.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 496.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 496.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 496.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 496.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 496.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 496.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 496.75 67.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 705.75 m 241.5 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 705.75 m 308.5 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 705.75 m 375.5 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 705.75 m 442.5 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 705.75 m 509.5 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 705.75 m 576.5 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 664.75 m 174.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 705.75 m 241.5 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 664.75 m 241.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 705.75 m 308.5 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 664.75 m 308.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 705.75 m 375.5 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 664.75 m 375.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 705.75 m 442.5 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 664.75 m 442.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 705.75 m 509.5 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 664.75 m 509.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 705.75 m 576.5 705.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 664.75 m 576.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 580.75 m 241.5 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 580.75 m 308.5 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 580.75 m 375.5 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 580.75 m 442.5 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 580.75 m 509.5 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 580.75 m 576.5 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 580.75 m 174.5 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 566.75 m 174.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 580.75 m 241.5 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 566.75 m 241.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 580.75 m 308.5 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 566.75 m 308.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 580.75 m 375.5 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 566.75 m 375.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 580.75 m 442.5 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 566.75 m 442.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 580.75 m 509.5 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 566.75 m 509.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 580.75 m 576.5 580.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 566.75 m 576.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 496.75 m 241.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 496.75 m 308.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 496.75 m 375.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 496.75 m 442.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 496.75 m 509.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 496.75 m 576.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 496.75 m 174.5 496.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 482.75 m 174.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 496.75 m 241.5 496.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 482.75 m 241.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 496.75 m 308.5 496.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 482.75 m 308.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 496.75 m 375.5 496.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 482.75 m 375.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 496.75 m 442.5 496.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 482.75 m 442.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 496.75 m 509.5 496.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 482.75 m 509.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 496.75 m 576.5 496.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 482.75 m 576.5 482.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 710.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.35 710.20 Td (At and for the year ended December 31, 2015) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 677.00 Td (In millions of dollars except number of) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 669.00 Td (loans modified) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.70 678.20 Td (Number) Tj ET Q q 0 0 0 rg BT 218.53 678.20 Td ( of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 179.35 669.20 Td (loans modified) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 696.20 Td (Post-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.25 687.20 Td (modification) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.30 678.20 Td (r) Tj ET Q q 0 0 0 rg BT 261.13 678.20 Td (ecorded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 246.65 669.20 Td (investment) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 288.64 673.28 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.30 678.20 Td (Deferr) Tj ET Q q 0 0 0 rg BT 349.61 678.20 Td (ed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.55 669.20 Td (principal) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 355.56 673.28 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.95 687.20 Td (Contingent) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.95 678.20 Td (principal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.55 669.20 Td (forgiveness) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 426.54 673.28 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 678.20 Td (Principal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.55 669.20 Td (forgiveness) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 493.54 673.28 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.80 687.20 Td (A) Tj ET Q q 0 0 0 rg BT 532.63 687.20 Td (verage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.20 678.20 Td (inter) Tj ET Q q 0 0 0 rg BT 537.53 678.20 Td (estrate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.05 669.20 Td (r) Tj ET Q q 0 0 0 rg BT 527.88 669.20 Td (eduction) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 655.20 Td (North America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 655.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 655.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 655.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 655.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 655.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 655.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 641.21 Td (Residential first mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 217.75 641.20 Td (9,487) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 641.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 284.75 641.20 Td (1,282) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.00 641.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.50 641.20 Td (9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 641.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.50 641.20 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 641.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 641.20 Td (25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 562.50 641.20 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 641.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 627.21 Td (Home equity loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 217.75 627.20 Td (4,317) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.50 627.20 Td (157) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.50 627.20 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.00 627.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 627.20 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 562.50 627.20 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 613.21 Td (Credit cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 208.75 613.20 Td (188,502) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.50 613.20 Td (771) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 613.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.00 613.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 613.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 613.20 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 599.21 Td (Installment and other revolving) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 217.75 599.20 Td (4,287) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.00 599.20 Td (37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 599.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.00 599.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 599.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 599.20 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 585.21 Td (Commercial markets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 120.23 589.29 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 224.50 585.20 Td (300) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.00 585.20 Td (47) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 585.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.00 585.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 585.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 585.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 571.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 571.20 Td (otal) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 58.67 575.28 Td (\(8\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 208.75 571.20 Td (206,893) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 571.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 284.75 571.20 Td (2,294) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.00 571.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 571.20 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 571.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.50 571.20 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 571.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 571.20 Td (28) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 557.20 Td (International) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 557.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 557.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 557.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 557.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 557.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 557.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 543.21 Td (Residential first mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 217.75 543.20 Td (3,918) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 543.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.50 543.20 Td (104) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.00 543.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 543.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 543.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.00 543.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 543.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 543.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 543.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 543.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 529.21 Td (Credit cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 208.75 529.20 Td (142,851) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.50 529.20 Td (374) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 529.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.00 529.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 529.20 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.00 529.20 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 515.21 Td (Installment and other revolving) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.25 515.20 Td (65,895) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.50 515.20 Td (280) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 515.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.00 515.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.50 515.20 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 562.50 515.20 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 501.21 Td (Commercial markets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 120.23 505.29 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 224.50 501.20 Td (239) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.00 501.20 Td (87) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 501.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.00 501.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 501.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 562.50 501.20 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 487.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 487.20 Td (otal) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 58.67 491.28 Td (\(8\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 208.75 487.20 Td (212,903) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 487.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.50 487.20 Td (845) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.00 487.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 487.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 487.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.00 487.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 487.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 487.20 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 487.21 Td () Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 417.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 417.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 417.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 417.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 417.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 417.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 417.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 389.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 389.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 389.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 389.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 389.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 389.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 389.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 361.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 361.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 361.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 361.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 361.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 361.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 361.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 333.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 333.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 333.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 333.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 333.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 333.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 333.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 305.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 305.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 305.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 305.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 305.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 305.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 305.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 277.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 277.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 277.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 277.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 277.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 277.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 277.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 249.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 249.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 249.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 308.50 249.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 249.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 249.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 249.75 67.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 458.75 m 241.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 458.75 m 308.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 458.75 m 375.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 458.75 m 442.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 458.75 m 509.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 458.75 m 576.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 417.75 m 174.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 458.75 m 241.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 417.75 m 241.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 458.75 m 308.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 417.75 m 308.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 458.75 m 375.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 417.75 m 375.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 458.75 m 442.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 417.75 m 442.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 458.75 m 509.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 417.75 m 509.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 458.75 m 576.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 417.75 m 576.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 333.75 m 241.5 333.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 333.75 m 308.5 333.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 333.75 m 375.5 333.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 333.75 m 442.5 333.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 333.75 m 509.5 333.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 333.75 m 576.5 333.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 333.75 m 174.5 333.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 319.75 m 174.5 319.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 333.75 m 241.5 333.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 319.75 m 241.5 319.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 333.75 m 308.5 333.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 319.75 m 308.5 319.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 333.75 m 375.5 333.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 319.75 m 375.5 319.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 333.75 m 442.5 333.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 319.75 m 442.5 319.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 333.75 m 509.5 333.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 319.75 m 509.5 319.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 333.75 m 576.5 333.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 319.75 m 576.5 319.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 249.75 m 241.5 249.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 249.75 m 308.5 249.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 249.75 m 375.5 249.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 249.75 m 442.5 249.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 249.75 m 509.5 249.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 249.75 m 576.5 249.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 249.75 m 174.5 249.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 235.75 m 174.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 249.75 m 241.5 249.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 235.75 m 241.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 249.75 m 308.5 249.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 235.75 m 308.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 249.75 m 375.5 249.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 308.5 235.75 m 375.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 249.75 m 442.5 249.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 235.75 m 442.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 249.75 m 509.5 249.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 235.75 m 509.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 249.75 m 576.5 249.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 235.75 m 576.5 235.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 463.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.65 463.21 Td (At and for the year ended December 31, 2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 430.00 Td (In millions of dollars except number of) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 422.00 Td (loans modified) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 187.85 431.21 Td (Number of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.60 422.21 Td (loans modified) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 265.20 449.21 Td (Post-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.50 440.21 Td (modification) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.75 431.21 Td (recorded) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 247.90 422.21 Td (investment) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 287.39 426.29 Td (\(1\)\(7\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.50 431.21 Td (Deferred) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.05 422.21 Td (principal) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 354.04 426.29 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 440.21 Td (Contingent) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.50 431.21 Td (principal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.40 422.21 Td (for) Tj ET Q q 0 0 0 rg BT 394.73 422.21 Td (giveness) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 425.73 426.29 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.25 431.21 Td (Principal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.40 422.21 Td (for) Tj ET Q q 0 0 0 rg BT 461.73 422.21 Td (giveness) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 492.73 426.29 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.55 440.21 Td (A) Tj ET Q q 0 0 0 rg BT 533.38 440.21 Td (verage) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.35 431.21 Td (interestrate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.50 422.21 Td (reduction) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 408.20 Td (North America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 408.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 408.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 408.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 408.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 408.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 408.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 394.21 Td (Residential first mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.25 394.21 Td (20,114) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.75 394.21 Td (2,478) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 394.21 Td (52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 394.21 Td (36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 394.21 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 394.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 394.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 380.21 Td (Home equity loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.75 380.21 Td (7,444) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.50 380.21 Td (279) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 380.21 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 380.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 380.21 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 380.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 366.21 Td (Credit cards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 208.75 366.21 Td (185,962) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.50 366.21 Td (808) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 366.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 366.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 366.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 366.21 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 352.21 Td (Installment and other revolving) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.25 352.21 Td (46,838) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.50 352.21 Td (351) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 352.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 352.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 352.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 352.21 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 338.21 Td (Commercial markets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 120.23 342.29 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 224.50 338.21 Td (191) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.00 338.21 Td (35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 338.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 338.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 338.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 338.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 324.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 324.20 Td (otal) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 58.67 328.28 Td (\(8\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 208.75 324.21 Td (260,549) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 324.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.75 324.21 Td (3,951) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 324.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 324.21 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 324.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 324.21 Td (36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 324.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 324.21 Td (31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 310.20 Td (International) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 310.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 310.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 310.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 310.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 310.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 310.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 296.21 Td (Residential first mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.75 296.21 Td (3,217) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 296.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.50 296.21 Td (114) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 296.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 296.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 296.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 296.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 296.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 296.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 296.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 296.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 282.21 Td (Credit cards) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 208.75 282.21 Td (139,128) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.50 282.21 Td (447) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 282.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 282.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 282.21 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 282.21 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 268.21 Td (Installment and other revolving) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.25 268.21 Td (61,563) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.50 268.21 Td (292) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 268.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 268.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 268.21 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 268.21 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 254.21 Td (Commercial markets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 120.23 258.29 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 224.50 254.21 Td (346) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.50 254.21 Td (200) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 254.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 254.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 254.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 254.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 240.20 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 240.20 Td (otal) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 58.67 244.28 Td (\(8\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 208.75 240.21 Td (204,254) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 240.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.75 240.21 Td (1,053) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 240.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 240.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 240.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 240.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 240.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 240.21 Td (17) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 217.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 217.05 Td (Post-modification balances include past due amounts that are capitalized at the modification date.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 207.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 207.45 Td (Post-modification balances in) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 149.09 207.45 Td ( North ) Tj ET Q q 0 0 0 rg BT 171.62 207.45 Td (America) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 198.72 207.45 Td ( include $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 230.27 207.45 Td (209 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 267.38 207.45 Td ( of residential first mortgages and $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 381.13 207.45 Td (55 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.24 207.45 Td ( of home equity loans to borrowers who have ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 197.85 Td (gone through Chapter7 bankruptcy in the year ended December 31, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 273.48 197.85 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.48 197.85 Td (. ) Tj ET Q q 0 0 0 rg BT 293.34 197.85 Td (These amounts include $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 373.09 197.85 Td (126 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 410.21 197.85 Td ( of residential first mortgages and $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.95 197.85 Td (47 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 557.07 197.85 Td ( of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 188.25 Td (home equity loans that were newly classified as ) Tj ET Q q 0 0 0 rg BT 208.48 188.25 Td (TDRs during 2015, based on previously received OCC guidance.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 178.65 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 178.65 Td (Represents portion of contractual loan principal that is non-interest bearing but still due from the borrower) Tj ET Q q 0 0 0 rg BT 394.13 178.65 Td (. Such deferred principal is char) Tj ET Q q 0 0 0 rg BT 496.16 178.65 Td (ged of) Tj ET Q q 0 0 0 rg BT 516.23 178.65 Td (f at the time of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 169.05 Td (permanent modification to the extent that the related loan balance exceeds the underlying collateral value.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 159.45 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 159.45 Td (Represents portion of contractual loan principal that is non-interest bearing and, depending upon borrower performance, eligible for for) Tj ET Q q 0 0 0 rg BT 487.27 159.45 Td (giveness.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 149.85 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 149.85 Td (Represents portion of contractual loan principal that was for) Tj ET Q q 0 0 0 rg BT 246.24 149.85 Td (given at the time of permanent modification.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 140.25 Td (\(6\) Commercial markets loans are generally borrower) Tj ET Q q 0 0 0 rg BT 213.77 140.25 Td (-specific modifications and incorporate changes in the amount and/or timing of principal and/or interest.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 130.65 Td (\(7\) Post-modification balances in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 150.42 130.65 Td (North ) Tj ET Q q 0 0 0 rg BT 170.95 130.65 Td (America) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 198.05 130.65 Td ( include $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 229.59 130.65 Td (322 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.71 130.65 Td ( of residential first mortgages and $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 380.45 130.65 Td (80 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.57 130.65 Td ( of home equity loans to borrowers who have gone ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 121.05 Td (through Chapter7 bankruptcy in the year ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 209.06 121.05 Td (December31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 271.93 121.05 Td (. ) Tj ET Q q 0 0 0 rg BT 275.79 121.05 Td (These amounts include $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 355.54 121.05 Td (179 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 392.66 121.05 Td ( of residential first mortgages and $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 506.40 121.05 Td (69 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 539.52 121.05 Td ( of home ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 111.45 Td (equity loans that were newly classified as ) Tj ET Q q 0 0 0 rg BT 188.70 111.45 Td (TDRs during 2014, based on previously received OCC guidance.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 101.85 Td (\(8\) ) Tj ET Q q 0 0 0 rg BT 53.18 101.85 Td (The above tables reflect activity for loans outstanding as of the end of the reporting period that were considered ) Tj ET Q q 0 0 0 rg BT 412.25 101.85 Td (TDRs.) Tj ET Q endstream endobj 413 0 obj <> endobj 414 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (204) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 742.10 Td (The following table presents consumer ) Tj ET Q q 0 0 0 rg BT 211.83 742.10 Td (TDRs that defaulted for which the payment default occurred within ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.97 742.10 Td (one year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.11 742.10 Td ( of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (permanent modification. Default is defined as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.77 730.10 Td (60 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.60 730.10 Td ( past due, except for classifiably managed commercial markets loans, where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (default is defined as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.75 718.10 Td (90 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.58 718.10 Td ( past due.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 671.60 417.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 671.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 671.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 643.60 417.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 643.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 643.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 615.60 417.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 615.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 615.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 587.60 417.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 587.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 587.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 559.60 417.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 559.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 559.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 531.60 417.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 531.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 531.60 62.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 685.6 m 453.5 685.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 699.6 m 515.5 699.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 685.6 m 515.5 685.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 699.6 m 577.5 699.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 685.6 m 577.5 685.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 601.6 m 515.5 601.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 601.6 m 577.5 601.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 601.6 m 453.5 601.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 587.6 m 453.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 601.6 m 515.5 601.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 587.6 m 515.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 601.6 m 577.5 601.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 587.6 m 577.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 517.6 m 515.5 517.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 517.6 m 577.5 517.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 517.6 m 453.5 517.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 503.6 m 453.5 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 517.6 m 515.5 517.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 503.6 m 515.5 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 517.6 m 577.5 517.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 503.6 m 577.5 503.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 689.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 690.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 690.06 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 676.05 Td (North America) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 676.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 676.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 662.06 Td (Residential first mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 662.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 662.05 Td (420) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 662.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.50 662.06 Td (715) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 648.06 Td (Home equity loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 648.05 Td (38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.00 648.06 Td (72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 634.06 Td (Credit cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 634.05 Td (187) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.50 634.06 Td (194) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 620.06 Td (Installment and other revolving) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.50 620.05 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.00 620.06 Td (95) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 606.06 Td (Commercial markets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.50 606.05 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 569.50 606.06 Td (9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 592.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 592.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 592.05 Td (662) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 592.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.75 592.06 Td (1,085) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 578.05 Td (International) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 578.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 578.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 564.06 Td (Residential first mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 564.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 564.05 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 564.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.00 564.06 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 550.06 Td (Credit cards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 550.05 Td (141) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.50 550.06 Td (217) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 536.06 Td (Installment and other revolving) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 536.05 Td (88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.50 536.06 Td (104) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 522.06 Td (Commercial markets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 522.05 Td (28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.50 522.06 Td (105) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 508.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 508.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 508.05 Td (279) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 508.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.50 508.06 Td (450) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 415 0 obj <> endobj 416 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (205) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Corporate Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (Corporate loans represent loans and leases managed by ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 259.26 730.25 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.48 730.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (The following table presents information by corporate loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (type:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 672.75 116.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 152.50 672.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.50 672.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 644.75 116.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 152.50 644.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.50 644.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 616.75 116.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 152.50 616.75 63.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.50 616.75 66.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 579.75 116.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 152.50 579.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.50 579.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 551.75 116.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 152.50 551.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.50 551.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 523.75 116.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 152.50 523.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.50 523.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 487.75 116.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 152.50 487.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.50 487.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 450.75 116.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 152.50 450.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.50 450.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 422.75 116.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 152.50 422.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.50 422.75 66.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 672.75 m 152.5 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 152.5 672.75 m 215.5 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 672.75 m 281.5 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 579.75 m 152.5 579.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 565.75 m 152.5 565.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 152.5 579.75 m 215.5 579.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 152.5 565.75 m 215.5 565.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 579.75 m 281.5 579.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 565.75 m 281.5 565.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 450.75 m 152.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 152.5 450.75 m 215.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 450.75 m 281.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 436.75 m 152.5 436.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 422.75 m 152.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 152.5 436.75 m 215.5 436.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 152.5 422.75 m 215.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 436.75 m 281.5 436.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 422.75 m 281.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 408.75 m 152.5 408.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 385.75 m 152.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 152.5 408.75 m 215.5 408.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 152.5 385.75 m 215.5 385.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 408.75 m 281.5 408.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 385.75 m 281.5 385.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 677.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 157.30 686.20 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 174.50 677.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.75 686.21 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 239.00 677.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 663.21 Td (In U.S.offices) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 155.00 663.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.00 663.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 649.21 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.00 649.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.25 649.20 Td (41,147) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.00 649.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 649.21 Td (35,055) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 635.21 Td (Financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.25 635.20 Td (36,396) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 635.21 Td (36,272) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 621.21 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 133.71 625.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.25 621.20 Td (37,565) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 621.21 Td (32,537) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 607.21 Td (Installment, revolving credit) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 598.21 Td (and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.25 598.20 Td (33,374) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 598.21 Td (29,207) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 584.21 Td (Lease financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 191.75 584.20 Td (1,780) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.75 584.21 Td (1,758) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.00 570.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 182.75 570.20 Td (150,262) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.00 570.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 570.21 Td (134,829) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 556.21 Td (In offices outside the U.S.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 155.00 556.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.00 556.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 542.21 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.00 542.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.25 542.20 Td (78,420) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.00 542.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 542.21 Td (79,239) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 528.21 Td (Financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.25 528.20 Td (28,704) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 528.21 Td (33,269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 514.21 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 133.71 518.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 191.75 514.20 Td (5,106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.75 514.21 Td (6,031) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 501.01 Td (Installment, revolving credit) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 492.01 Td (and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.25 492.20 Td (20,853) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 492.21 Td (19,259) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 478.21 Td (Lease financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.50 478.20 Td (238) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.50 478.21 Td (356) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 464.21 Td (Governments and official) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 455.21 Td (institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 191.75 455.20 Td (4,911) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.75 455.21 Td (2,236) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.00 441.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 182.75 441.20 Td (138,232) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.00 441.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 441.21 Td (140,390) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 427.20 Td (Total corporate loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.00 427.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 182.75 427.20 Td (288,494) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.00 427.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 427.21 Td (275,219) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 413.21 Td (Net unearned income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.50 413.20 Td (\(660) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.00 413.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.50 413.21 Td (\(554) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.00 413.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 399.20 Td (Corporate loans, net of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 390.20 Td (unearned income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.00 390.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 182.75 390.20 Td (287,834) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.00 390.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 390.21 Td (274,665) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 368.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 368.65 Td (Loans secured primarily by real estate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 742.10 Td (The Company sold and/or reclassified to held-for) Tj ET Q q 0 0 0 rg BT 532.22 742.10 Td (-sale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 730.10 Td ($2.8 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.36 730.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.80 730.10 Td ($4.8 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.92 730.10 Td ( of corporate loans during the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 718.10 Td (years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.35 718.10 Td ( ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.23 718.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.81 718.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.25 718.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.25 718.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 537.91 718.10 Td (. ) Tj ET Q q 0 0 0 rg BT 545.23 718.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 706.10 Td (Company did not have significant purchases of corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 694.10 Td (loans classified as held-for) Tj ET Q q 0 0 0 rg BT 423.96 694.10 Td (-investment for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.55 694.10 Td (years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.65 694.10 Td ( ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 682.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.83 682.10 Td ( or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.16 682.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.16 682.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.25 658.10 Td (Delinquency Status) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 646.10 Td (Citi generally does not manage corporate loans on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 634.10 Td (delinquency basis. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 393.62 634.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.12 634.10 Td (Corporate loans are identified as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 622.10 Td (impaired and placed on a cash \(non-accrual\) basis when it is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 610.10 Td (determined, based on actual experience and a forward-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 598.10 Td (looking assessment of the collectability of the loan in full, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 586.10 Td (that the payment of interest or principal is doubtful or when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 574.10 Td (interest or principal is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.23 574.10 Td (90 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.06 574.10 Td (past due, except when the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 562.10 Td (loan is well collateralized and in the process of collection. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 550.10 Td (Any interest accrued on impaired corporate loans and leases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 538.10 Td (is reversed at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.50 538.10 Td (90 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.33 538.10 Td ( and char) Tj ET Q q 0 0 0 rg BT 439.80 538.10 Td (ged against current earnings, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 526.10 Td (and interest is thereafter included in earnings only to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 514.10 Td (extent actually received in cash. ) Tj ET Q q 0 0 0 rg BT 447.56 514.10 Td (When there is doubt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 502.10 Td (regarding the ultimate collectability of principal, all cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 490.10 Td (receipts are thereafter applied to reduce the recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 478.10 Td (investment in the loan. ) Tj ET Q q 0 0 0 rg BT 410.66 478.10 Td (While corporate loans are generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 466.10 Td (managed based on their internally assigned risk rating \(see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 454.10 Td (further discussion below\), the following tables present ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 442.10 Td (delinquency information by corporate loan type. ) Tj ET Q endstream endobj 417 0 obj <> endobj 418 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (206) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Corporate Loan Delinquency and Non-Accrual Details at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.38 742.25 Td (December) Tj ET Q q 0 0 0 rg BT 325.51 742.25 Td (31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.01 742.25 Td ( ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 699.75 164.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.50 699.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 699.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 699.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 699.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 699.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 699.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 671.75 164.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.50 671.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 671.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 671.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 671.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 671.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 671.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 643.75 164.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.50 643.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 643.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 643.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 643.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 643.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 643.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 615.75 164.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.50 615.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 615.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 615.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 615.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 615.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 615.75 54.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 699.75 m 200.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 699.75 m 266.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 699.75 m 324.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 699.75 m 389.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 699.75 m 453.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 731.75 m 508.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 699.75 m 508.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 699.75 m 562.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 699.75 m 266.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 699.75 m 324.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 699.75 m 389.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 699.75 m 453.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 699.75 m 508.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 699.75 m 508.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 699.75 m 562.5 699.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 685.75 m 508.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 671.75 m 508.5 657.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 657.75 m 508.5 643.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 643.75 m 508.5 629.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 629.75 m 508.5 615.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 601.75 m 200.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 601.75 m 266.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 601.75 m 324.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 601.75 m 389.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 601.75 m 453.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 601.75 m 508.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 615.75 m 508.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 601.75 m 562.5 601.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 587.75 m 200.5 587.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 587.75 m 266.5 587.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 587.75 m 324.5 587.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 587.75 m 389.5 587.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 587.75 m 453.5 587.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 601.75 m 508.5 587.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 587.75 m 508.5 587.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 587.75 m 562.5 587.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 704.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.85 722.20 Td (3089days) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 216.85 713.20 Td (pastdue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 204.45 704.20 Td (andaccruing) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 254.71 708.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET /GS0 gs q 35.95 0 0 9.04 277.00 720.26 cm /I37 Do Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.45 713.20 Td (pastdueand) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.80 704.20 Td (accruing) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 308.30 708.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.40 713.20 Td (T) Tj ET Q q 0 0 0 rg BT 334.58 713.20 Td (otalpastdue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.35 704.20 Td (andaccruing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.15 713.20 Td (T) Tj ET Q q 0 0 0 rg BT 416.33 713.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.55 704.20 Td (non-accrual) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 440.55 708.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.65 713.20 Td (T) Tj ET Q q 0 0 0 rg BT 475.83 713.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.65 704.20 Td (curr) Tj ET Q q 0 0 0 rg BT 479.48 704.20 Td (ent) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 491.47 708.28 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 525.15 713.20 Td (T) Tj ET Q q 0 0 0 rg BT 530.33 713.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.45 704.20 Td (loans ) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 542.71 708.28 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 690.21 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.00 690.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.00 690.20 Td (87) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 690.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.50 690.20 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 690.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.00 690.20 Td (91) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 690.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 690.20 Td (1,039) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 690.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.75 690.20 Td (114,564) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.00 690.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 690.20 Td (115,694) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 676.21 Td (Financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.00 676.20 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.00 676.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.00 676.20 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 676.20 Td (173) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.25 676.20 Td (64,128) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 676.20 Td (64,317) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 662.21 Td (Mortgage and real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 249.50 662.20 Td (137) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.50 662.20 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.50 662.20 Td (144) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 662.20 Td (232) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.25 662.20 Td (42,095) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 662.20 Td (42,471) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 648.21 Td (Leases) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.00 648.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.00 648.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.00 648.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 648.20 Td (76) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.75 648.20 Td (1,941) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.75 648.20 Td (2,017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 634.21 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.00 634.20 Td (29) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.00 634.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.00 634.20 Td (29) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 634.20 Td (44) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.25 634.20 Td (58,286) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 634.20 Td (58,359) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 620.21 Td (Loans at fair value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 620.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 620.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 620.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 620.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 620.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.75 620.20 Td (4,971) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 606.21 Td (Purchased distressed loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 554.50 606.20 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 592.20 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.00 592.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 249.50 592.20 Td (269) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.00 592.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.00 592.20 Td (11) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 592.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.50 592.20 Td (280) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 592.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 592.20 Td (1,564) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 592.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.75 592.20 Td (281,014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.00 592.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 592.20 Td (287,834) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 568.25 Td (Corporate Loan Delinquency and Non-Accrual Details at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.38 568.25 Td (December) Tj ET Q q 0 0 0 rg BT 325.51 568.25 Td (31, 2014) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 525.75 159.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 525.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.50 525.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 525.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 525.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 525.75 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 525.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 497.75 159.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 497.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.50 497.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 497.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 497.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 497.75 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 497.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 469.75 159.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 469.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.50 469.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 469.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 469.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 469.75 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 469.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 441.75 159.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 441.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.50 441.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 441.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 441.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 441.75 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 441.75 55.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 525.75 m 195.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 525.75 m 261.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 525.75 m 322.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 525.75 m 389.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 525.75 m 451.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 557.75 m 508.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 525.75 m 508.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 525.75 m 563.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 525.75 m 261.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 525.75 m 322.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 525.75 m 389.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 525.75 m 451.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 525.75 m 508.5 511.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 525.75 m 508.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 525.75 m 563.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 511.75 m 508.5 497.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 497.75 m 508.5 483.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 483.75 m 508.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 469.75 m 508.5 455.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 455.75 m 508.5 441.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 427.75 m 195.5 427.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 427.75 m 261.5 427.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 427.75 m 322.5 427.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 427.75 m 389.5 427.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 427.75 m 451.5 427.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 427.75 m 508.5 427.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 441.75 m 508.5 427.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 427.75 m 563.5 427.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 413.75 m 195.5 413.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 413.75 m 261.5 413.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 413.75 m 322.5 413.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 413.75 m 389.5 413.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 413.75 m 451.5 413.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 427.75 m 508.5 413.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 413.75 m 508.5 413.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 413.75 m 563.5 413.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 530.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.85 548.20 Td (3089days) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.85 539.20 Td (pastdue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.45 530.20 Td (andaccruing) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 249.71 534.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET /GS0 gs q 35.95 0 0 9.04 273.50 546.26 cm /I38 Do Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.95 539.20 Td (pastdueand) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.30 530.20 Td (accruing) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 304.80 534.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.40 539.20 Td (T) Tj ET Q q 0 0 0 rg BT 333.58 539.20 Td (otalpastdue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.35 530.20 Td (andaccruing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.15 539.20 Td (T) Tj ET Q q 0 0 0 rg BT 415.33 539.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.55 530.20 Td (non-accrual) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 439.55 534.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.65 539.20 Td (T) Tj ET Q q 0 0 0 rg BT 474.83 539.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.65 530.20 Td (curr) Tj ET Q q 0 0 0 rg BT 478.48 530.20 Td (ent) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 490.47 534.28 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 525.65 539.20 Td (T) Tj ET Q q 0 0 0 rg BT 530.83 539.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.95 530.20 Td (loans ) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 543.21 534.28 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 516.21 Td (Commercial and industrial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.00 516.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.00 516.21 Td (50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.00 516.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 516.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.00 516.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 516.21 Td (50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 516.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.50 516.21 Td (575) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 516.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.75 516.21 Td (109,764) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.00 516.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.75 516.21 Td (110,389) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 502.21 Td (Financial institutions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.50 502.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 502.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.50 502.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.50 502.21 Td (250) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.25 502.21 Td (67,580) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.25 502.21 Td (67,832) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 488.21 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.00 488.21 Td (86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 488.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 488.21 Td (86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.50 488.21 Td (252) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.25 488.21 Td (38,135) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.25 488.21 Td (38,473) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 474.21 Td (Leases) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.00 474.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 474.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 474.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 474.21 Td (51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.75 474.21 Td (2,062) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.75 474.21 Td (2,113) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 460.21 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.00 460.21 Td (49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.50 460.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 460.21 Td (50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.00 460.21 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.25 460.21 Td (49,844) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.25 460.21 Td (49,949) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 446.21 Td (Loans at fair value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.00 446.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 446.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 446.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.00 446.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 446.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.75 446.21 Td (5,858) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 432.21 Td (Purchased distressed loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.00 432.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 432.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 432.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.00 432.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 432.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.00 432.21 Td (51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 418.21 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.00 418.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.50 418.21 Td (187) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.00 418.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.50 418.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.00 418.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.50 418.21 Td (188) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 418.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.75 418.21 Td (1,183) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 418.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.75 418.21 Td (267,385) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.00 418.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.75 418.21 Td (274,665) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 396.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 396.65 Td (Corporate loans that are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 132.64 396.65 Td (90) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 140.64 396.65 Td (days past due are generally classified as non-accrual. Corporate loans are considered past due when principal or interest is ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 387.05 Td (contractually due but unpaid.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 377.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 377.45 Td (Non-accrual ) Tj ET Q q 0 0 0 rg BT 95.53 377.45 Td (loans ) Tj ET Q q 0 0 0 rg BT 114.42 377.45 Td (generally ) Tj ET Q q 0 0 0 rg BT 146.18 377.45 Td (include ) Tj ET Q q 0 0 0 rg BT 171.73 377.45 Td (those ) Tj ET Q q 0 0 0 rg BT 190.61 377.45 Td (loans ) Tj ET Q q 0 0 0 rg BT 209.50 377.45 Td (that ) Tj ET Q q 0 0 0 rg BT 223.50 377.45 Td (are ) Tj ET Q /GS0 gs q 6.39 0 0 8.27 235.26 375.72 cm /I39 Do Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 241.65 377.45 Td (90) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 249.65 377.45 Td (days past due or those loans for which Citi believes, based on actual experience and a forward-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 367.85 Td (looking assessment of the collectability of the loan in full, that the payment of interest or principal is doubtful.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 358.25 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 358.25 Td (Corporate loans are past due when principal or interest is contractually due but unpaid. Loans less than ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 385.02 358.25 Td (30) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 393.02 358.25 Td (days past due are presented as current.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 348.65 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 348.65 Td (T) Tj ET Q q 0 0 0 rg BT 58.33 348.65 Td (otal loans include loans at fair value, which are not included in the various delinquency columns. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 327.05 Td (Citigroup has a risk management process to monitor) Tj ET Q q 0 0 0 rg BT 262.73 327.05 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 315.05 Td (evaluate and manage the principal risks associated with its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 303.05 Td (corporate loan portfolio. ) Tj ET Q q 0 0 0 rg BT 135.41 303.05 Td (As part of its risk management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 291.05 Td (process, Citi assigns numeric risk ratings to its corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 279.05 Td (loan facilities based on quantitative and qualitative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 267.05 Td (assessments of the obligor and facility) Tj ET Q q 0 0 0 rg BT 188.37 267.05 Td (. ) Tj ET Q q 0 0 0 rg BT 193.19 267.05 Td (These risk ratings are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 255.05 Td (reviewed at least annually or more often if material events ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 243.05 Td (related to the obligor or facility warrant. Factors considered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 231.05 Td (in assigning the risk ratings include financial condition of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 219.05 Td (obligor) Tj ET Q q 0 0 0 rg BT 64.49 219.05 Td (, qualitative assessment of management and strategy) Tj ET Q q 0 0 0 rg BT 273.50 219.05 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 207.05 Td (amount and sources of repayment, amount and type of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 195.05 Td (collateral and guarantee arrangements, amount and type of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 183.05 Td (any contingencies associated with the obligor) Tj ET Q q 0 0 0 rg BT 217.49 183.05 Td (, and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 171.05 Td (obligor) Tj ET Q q 0 0 0 rg BT 65.26 171.05 Td () Tj ET Q q 0 0 0 rg BT 68.04 171.05 Td (s industry and geography) Tj ET Q q 0 0 0 rg BT 168.20 171.05 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 159.05 Td (The obligor risk ratings are defined by ranges of default ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 147.05 Td (probabilities. ) Tj ET Q q 0 0 0 rg BT 90.81 147.05 Td (The facility risk ratings are defined by ranges ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 135.05 Td (of loss norms, which are the product of the probability of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 123.05 Td (default and the loss given default. ) Tj ET Q q 0 0 0 rg BT 173.28 123.05 Td (The investment grade ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 111.05 Td (rating categories are similar to the category BBB-/Baa3 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 99.05 Td (above as defined by S&P) Tj ET Q q 0 0 0 rg BT 136.72 99.05 Td ( and Moody) Tj ET Q q 0 0 0 rg BT 187.83 99.05 Td (s. Loans classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 87.05 Td (according to the bank regulatory definitions as special ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 75.05 Td (mention, substandard and doubtful will have risk ratings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 63.05 Td (within the non-investment grade categories.) Tj ET Q endstream endobj 419 0 obj <> endobj 420 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (207) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Corporate Loans Cr) Tj ET Q q 0 0 0 rg BT 123.03 742.25 Td (edit Quality Indicators ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 686.75 117.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 686.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 686.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 658.75 117.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 658.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 658.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 630.75 117.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 630.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 630.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 602.75 117.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 602.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 602.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 574.75 117.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 574.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 574.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 546.75 117.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 546.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 546.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 518.75 117.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 518.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 518.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 490.75 117.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 490.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 490.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 462.75 117.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 462.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 462.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 434.75 117.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 434.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 434.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 406.75 117.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 406.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 406.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 371.75 117.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 371.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.50 371.75 64.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 709.75 m 217.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 709.75 m 281.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 686.75 m 153.5 686.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 709.75 m 217.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 686.75 m 217.5 686.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 686.75 m 281.5 686.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 602.75 m 153.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 588.75 m 153.5 588.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 602.75 m 217.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 588.75 m 217.5 588.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 602.75 m 281.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 588.75 m 281.5 588.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 406.75 m 153.5 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 392.75 m 153.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 406.75 m 217.5 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 392.75 m 217.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 406.75 m 281.5 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 392.75 m 281.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 357.75 m 153.5 357.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 334.75 m 153.5 334.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 357.75 m 217.5 357.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 334.75 m 217.5 334.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 357.75 m 281.5 357.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 217.5 334.75 m 281.5 334.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 714.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.95 714.20 Td (Recorded investment in loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 270.20 718.28 Td (\(1\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 691.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 158.80 700.20 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.00 691.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.75 700.21 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.00 691.21 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 677.20 Td (Investment grade) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 106.24 681.28 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 156.00 677.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.00 677.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 663.21 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.00 663.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.25 663.20 Td (81,927) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.00 663.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 663.21 Td (80,812) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 649.21 Td (Financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.25 649.20 Td (53,522) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 649.21 Td (56,154) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 635.21 Td (Mortgage and real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.25 635.20 Td (18,869) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 635.21 Td (16,068) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 621.21 Td (Leases) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 193.75 621.20 Td (1,660) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.75 621.21 Td (1,669) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 607.21 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.25 607.20 Td (51,449) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 607.21 Td (46,284) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 593.20 Td (Total investment grade) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.00 593.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 184.75 593.20 Td (207,427) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.00 593.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 593.21 Td (200,987) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 579.20 Td (Non-investment grade) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 124.24 583.28 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 156.00 579.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.00 579.21 Td () Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 565.20 Td (Accrual) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 156.00 565.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.00 565.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 551.21 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.00 551.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.25 551.20 Td (32,726) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.00 551.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 551.21 Td (29,003) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 537.21 Td (Financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.25 537.20 Td (10,622) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 537.21 Td (11,429) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 523.21 Td (Mortgage and real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 193.75 523.20 Td (2,800) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.75 523.21 Td (3,587) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 509.21 Td (Leases) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 200.50 509.20 Td (282) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.50 509.21 Td (393) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 495.21 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 193.75 495.20 Td (6,867) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.75 495.21 Td (3,609) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 481.20 Td (Non-accrual) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 156.00 481.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.00 481.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 467.21 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 193.75 467.20 Td (1,039) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.50 467.21 Td (575) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 453.21 Td (Financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 200.50 453.20 Td (173) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.50 453.21 Td (250) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 439.21 Td (Mortgage and real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 200.50 439.20 Td (232) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.50 439.21 Td (252) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 425.21 Td (Leases) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 205.00 425.20 Td (76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.00 425.21 Td (51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 411.21 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 205.00 411.20 Td (44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.00 411.21 Td (55) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 397.20 Td (Total non-investment grade) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.00 397.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.25 397.20 Td (54,861) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.00 397.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 397.21 Td (49,204) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 384.15 Td (Private bank loans managed ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 375.15 Td (on a delinquency basis) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 125.28 379.23 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.00 376.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.25 376.20 Td (20,575) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.00 376.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.25 376.21 Td (18,616) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 362.20 Td (Loans at fair value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 193.75 362.20 Td (4,971) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.75 362.21 Td (5,858) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 348.20 Td (Corporate loans, net of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 339.20 Td (unearned income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.00 339.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 184.75 339.20 Td (287,834) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.00 339.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.75 339.21 Td (274,665) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 317.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 317.65 Td (Recorded investment in a loan includes net deferred loan fees and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 308.05 Td (costs, unamortized premium or discount, less any direct write-downs.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 298.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 298.45 Td (Held-for) Tj ET Q q 0 0 0 rg BT 81.38 298.45 Td (-investment loans are accounted for on an amortized cost ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 288.85 Td (basis.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 742.10 Td (Impaired collateral-dependent loans and leases, where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 730.10 Td (repayment is expected to be provided solely by the sale of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 718.10 Td (the underlying collateral and there are no other available and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 706.10 Td (reliable sources of repayment, are written down to the lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 694.10 Td (of cost or collateral value, less cost to sell. Cash-basis loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 682.10 Td (are returned to an accrual status when all contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 670.10 Td (principal and interest amounts are reasonably assured of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 658.10 Td (repayment and there is a sustained period of repayment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 646.10 Td (performance, generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.47 646.10 Td (six months) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.09 646.10 Td (, in accordance with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 634.10 Td (contractual terms of the loan.) Tj ET Q endstream endobj 421 0 obj <> endobj 422 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (208) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 742.10 Td (The following tables present non-accrual loan information by corporate loan type and interest income recognized on non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (accrual corporate loans:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 710.10 Td (Non-Accrual Corporate Loans) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 653.60 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 653.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 653.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 653.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 653.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 653.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 625.60 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 625.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 625.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 625.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 625.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 625.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 597.60 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 597.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 597.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 597.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 597.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 597.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 569.60 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 569.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 569.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 569.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 569.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 569.60 78.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 653.6 m 178.5 653.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 653.6 m 257.5 653.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 653.6 m 333.5 653.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 653.6 m 411.5 653.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 653.6 m 484.5 653.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 653.6 m 562.5 653.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 653.6 m 484.5 639.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 639.6 m 484.5 625.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 625.6 m 484.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 611.6 m 484.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 597.6 m 484.5 583.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 583.6 m 484.5 569.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 569.6 m 178.5 569.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 555.6 m 178.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 569.6 m 257.5 569.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 555.6 m 257.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 569.6 m 333.5 569.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 555.6 m 333.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 569.6 m 411.5 569.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 555.6 m 411.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 569.6 m 484.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 569.6 m 484.5 569.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 555.6 m 484.5 555.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 569.6 m 562.5 569.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 555.6 m 562.5 555.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.35 690.05 Td (At and for the year ended December 31, 2015) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 657.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.00 667.05 Td (Recorded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 193.05 658.05 Td (investment) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 235.04 662.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.70 667.05 Td (Unpaid) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.60 658.05 Td (principal balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.85 667.05 Td (Related specific) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.00 658.05 Td (allowance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.80 667.05 Td (A) Tj ET Q q 0 0 0 rg BT 437.63 667.05 Td (verage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.20 658.05 Td (carrying value) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 471.94 662.13 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.20 667.05 Td (Inter) Tj ET Q q 0 0 0 rg BT 512.53 667.05 Td (est income ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.90 658.05 Td (r) Tj ET Q q 0 0 0 rg BT 502.73 658.05 Td (ecognized) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 540.22 662.13 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 644.06 Td (Non-accrual corporate loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 181.00 644.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.00 644.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 644.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.00 644.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 644.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 630.06 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.00 630.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.75 630.05 Td (1,039) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.00 630.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.75 630.05 Td (1,224) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.00 630.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.50 630.05 Td (246) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.00 630.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.50 630.05 Td (825) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 630.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 554.50 630.05 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 616.06 Td (Financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 240.50 616.05 Td (173) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.50 616.05 Td (196) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.00 616.05 Td (10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.50 616.05 Td (194) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.00 616.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 602.06 Td (Mortgage and real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 240.50 602.05 Td (232) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.50 602.05 Td (336) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.00 602.05 Td (21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.50 602.05 Td (240) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 554.50 602.05 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 588.06 Td (Lease financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 245.00 588.05 Td (76) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.00 588.05 Td (76) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.00 588.05 Td (54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 588.05 Td (62) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.00 588.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 574.06 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 245.00 574.05 Td (44) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.50 574.05 Td (114) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.00 574.05 Td (32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 574.05 Td (39) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.00 574.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 560.05 Td (Total non-accrual corporate loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.00 560.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.75 560.05 Td (1,564) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.00 560.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.75 560.05 Td (1,946) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.00 560.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.50 560.05 Td (363) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.00 560.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.75 560.05 Td (1,360) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.00 560.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.00 560.05 Td (11) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 489.60 145.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 181.50 489.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 489.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 489.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 489.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 489.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 461.60 145.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 181.50 461.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 461.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 461.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 461.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 461.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 433.60 145.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 181.50 433.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 433.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 433.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 433.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 433.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 405.60 145.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 181.50 405.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 405.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 405.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 405.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 405.60 76.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.5 521.6 m 257.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 521.6 m 333.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 521.6 m 409.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 521.6 m 485.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 521.6 m 561.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 489.6 m 181.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.5 489.6 m 257.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 489.6 m 333.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 489.6 m 409.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 521.6 m 485.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 489.6 m 485.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 489.6 m 561.5 489.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 405.6 m 181.5 405.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 391.6 m 181.5 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 181.5 405.6 m 257.5 405.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 181.5 391.6 m 257.5 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 405.6 m 333.5 405.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 391.6 m 333.5 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 405.6 m 409.5 405.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 391.6 m 409.5 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 405.6 m 485.5 405.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 391.6 m 485.5 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 405.6 m 561.5 405.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 391.6 m 561.5 391.6 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.65 526.06 Td (At and for the year ended December 31, 2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 493.85 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 201.75 503.06 Td (Recorded) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 195.80 494.06 Td (investment) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 235.29 498.14 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.75 503.06 Td (Unpaid) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.10 494.06 Td (principal balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.10 503.06 Td (Related specific) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.75 494.06 Td (allowance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.05 503.06 Td (A) Tj ET Q q 0 0 0 rg BT 437.88 503.06 Td (verage) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.70 494.06 Td (carrying value) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 469.42 498.14 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.10 503.06 Td (Interest income ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.85 494.06 Td (recognized) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 539.33 498.14 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 480.06 Td (Non-accrual corporate loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 184.00 480.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.00 480.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 480.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 480.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 466.06 Td (Commercial and industrial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 184.00 466.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.50 466.06 Td (575) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.00 466.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 466.06 Td (863) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 466.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.50 466.06 Td (155) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 466.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 466.06 Td (658) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.00 466.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 466.06 Td (32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 452.06 Td (Financial institutions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.50 452.06 Td (250) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 452.06 Td (262) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 452.06 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 452.06 Td (278) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 452.06 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 438.06 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.50 438.06 Td (252) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 438.06 Td (287) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 438.06 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 438.06 Td (263) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 438.06 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 424.06 Td (Lease financing) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 245.00 424.06 Td (51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 424.06 Td (53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 424.06 Td (29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 424.06 Td (85) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 424.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 410.06 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 245.00 410.06 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 410.06 Td (68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.00 410.06 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 410.06 Td (60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 410.06 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 396.06 Td (Total non-accrual corporate loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 184.00 396.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.75 396.06 Td (1,183) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.00 396.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.75 396.06 Td (1,533) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 396.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.50 396.06 Td (236) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 396.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.75 396.06 Td (1,344) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.00 396.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 396.06 Td (47) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 332.60 219.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 332.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 332.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 332.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 332.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 304.60 219.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 304.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 304.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 304.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 304.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 276.60 219.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 276.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 276.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 276.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 276.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 248.60 219.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 248.60 77.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 248.60 77.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 248.60 77.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 248.60 77.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 214.60 219.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 214.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 214.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 214.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 214.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 186.60 219.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 186.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 186.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 186.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 186.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 158.60 219.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 158.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 158.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 158.60 77.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 158.60 77.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 355.6 m 332.5 355.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 355.6 m 409.5 355.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 369.6 m 409.5 355.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 355.6 m 486.5 355.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 355.6 m 563.5 355.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 332.6 m 255.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 332.6 m 332.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 332.6 m 409.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 355.6 m 409.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 332.6 m 486.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 332.6 m 563.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 332.6 m 409.5 318.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 318.6 m 409.5 304.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 304.6 m 409.5 290.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 290.6 m 409.5 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 276.6 m 409.5 262.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 262.6 m 409.5 248.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 248.60000000000002 m 255.5 248.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 228.60000000000002 m 255.5 228.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 248.60000000000002 m 332.5 248.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 228.60000000000002 m 332.5 228.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 248.60000000000002 m 409.5 248.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 228.60000000000002 m 409.5 228.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 248.60000000000002 m 409.5 228.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 248.60000000000002 m 486.5 248.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 228.60000000000002 m 486.5 228.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 248.60000000000002 m 563.5 248.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 228.60000000000002 m 563.5 228.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 228.60000000000002 m 409.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 214.60000000000002 m 409.5 200.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 200.60000000000002 m 409.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 186.60000000000002 m 409.5 172.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 172.60000000000002 m 409.5 158.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 158.60000000000002 m 409.5 144.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 144.60000000000002 m 255.5 144.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 121.60000000000002 m 255.5 121.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 144.60000000000002 m 332.5 144.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 121.60000000000002 m 332.5 121.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 144.60000000000002 m 409.5 144.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 121.60000000000002 m 409.5 121.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 144.60000000000002 m 409.5 121.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 144.60000000000002 m 486.5 144.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 121.60000000000002 m 486.5 121.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 144.60000000000002 m 563.5 144.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 121.60000000000002 m 563.5 121.60000000000002 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 360.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.70 360.05 Td (December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.60 360.06 Td (December 31, 2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 336.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 275.00 346.05 Td (Recorded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.05 337.05 Td (investment) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 311.04 341.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.35 346.05 Td (Related specific) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.50 337.05 Td (allowance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.25 346.06 Td (Recorded) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.30 337.06 Td (investment) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 463.79 341.14 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.60 346.06 Td (Related specific) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.25 337.06 Td (allowance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 323.06 Td (Non-accrual corporate loans with valuation allowances) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.00 323.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 323.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 323.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 323.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 309.06 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.00 309.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 309.05 Td (539) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.00 309.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 309.05 Td (246) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 309.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 309.06 Td (224) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 309.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.50 309.06 Td (155) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 295.06 Td (Financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 295.05 Td (18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 295.05 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 295.06 Td (37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 295.06 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 281.06 Td (Mortgage and real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 281.05 Td (60) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 281.05 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 281.06 Td (70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.00 281.06 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 267.06 Td (Lease financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 267.05 Td (75) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 267.05 Td (54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 267.06 Td (47) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.00 267.06 Td (29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 253.06 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 253.05 Td (40) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 253.05 Td (32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 253.06 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.00 253.06 Td (21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 240.00 Td (Total non-accrual corporate loans with specific) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 231.05 Td (allowance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.00 233.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 233.05 Td (732) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.00 233.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 233.05 Td (363) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 233.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 233.06 Td (433) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 233.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.50 233.06 Td (236) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 219.06 Td (Non-accrual corporate loans without specific allowance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.00 219.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 219.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 219.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 219.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 205.06 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.00 205.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 205.05 Td (500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.00 205.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 205.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 205.06 Td (351) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 205.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 191.06 Td (Financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 191.05 Td (155) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.00 191.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 191.06 Td (213) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 191.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 177.06 Td (Mortgage and real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 177.05 Td (172) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.00 177.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 177.06 Td (182) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 177.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 163.06 Td (Lease financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.50 163.05 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.00 163.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 163.06 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 163.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 149.06 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.50 149.05 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.00 149.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 149.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 149.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 135.05 Td (Total non-accrual corporate loans without specific) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 126.05 Td (allowance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.00 126.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 126.05 Td (832) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.95 126.05 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 126.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.50 126.06 Td (750) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.95 126.06 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 104.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 104.50 Td (Recorded investment in a loan includes net deferred loan fees and costs, unamortized premium or discount, less any direct write-downs.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 94.90 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 94.90 Td (A) Tj ET Q q 0 0 0 rg BT 59.18 94.90 Td (verage carrying value represents the average recorded investment balance and does not include related specific allowance.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 85.30 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 85.30 Td (Interest income recognized for the year ended December 31, 2013 was ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.90 85.30 Td ($43 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 319.02 85.30 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 75.70 Td (N/A) Tj ET Q q 0 0 0 rg BT 49.34 75.70 Td ( Not ) Tj ET Q q 0 0 0 rg BT 64.89 75.70 Td (Applicable) Tj ET Q endstream endobj 423 0 obj <> endobj 424 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (209) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 82.75 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 88.68 742.25 Td (r) Tj ET Q q 0 0 0 rg BT 92.93 742.25 Td (oubled Debt Restructurings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (The following table presents corporate ) Tj ET Q q 0 0 0 rg BT 192.71 718.25 Td (TDR activity at and for the year ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.32 718.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 718.25 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 648.75 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 648.75 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 648.75 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 648.75 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 648.75 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 620.75 142.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 620.75 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 620.75 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 620.75 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 620.75 95.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 648.75 m 178.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 648.75 m 273.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 648.75 m 370.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 648.75 m 467.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 648.75 m 562.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 648.75 m 178.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 648.75 m 273.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 648.75 m 370.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 648.75 m 467.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 648.75 m 562.5 648.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 620.75 m 178.5 620.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 606.75 m 178.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 620.75 m 273.5 620.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 606.75 m 273.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 620.75 m 370.5 620.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 606.75 m 370.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 620.75 m 467.5 620.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 606.75 m 467.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 620.75 m 562.5 620.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 606.75 m 562.5 606.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 653.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 662.20 Td (Carrying) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 214.65 653.20 Td (V) Tj ET Q q 0 0 0 rg BT 220.32 653.20 Td (alue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.20 689.20 Td (TDRs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.35 680.20 Td (involving changes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.70 671.20 Td (in the amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.30 662.20 Td (and/or) Tj ET Q q 0 0 0 rg BT 315.64 662.20 Td ( timing of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.95 653.20 Td (principal payments) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 355.21 657.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.20 689.20 Td (TDRs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.35 680.20 Td (involving changes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.70 671.20 Td (in the amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.30 662.20 Td (and/or) Tj ET Q q 0 0 0 rg BT 412.64 662.20 Td ( timing of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.05 653.20 Td (inter) Tj ET Q q 0 0 0 rg BT 399.38 653.20 Td (est payments) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 449.13 657.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.20 698.20 Td (TDRs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.35 689.20 Td (involving changes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.70 680.20 Td (in the amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.30 671.20 Td (and/or) Tj ET Q q 0 0 0 rg BT 508.64 671.20 Td ( timing of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.70 662.20 Td (both principal and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.45 653.20 Td (inter) Tj ET Q q 0 0 0 rg BT 498.78 653.20 Td (est payments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 639.21 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.00 639.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.50 639.20 Td (120) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.00 639.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 639.20 Td (67) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 639.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.00 639.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 639.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.00 639.20 Td (53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 625.21 Td (Mortgage and real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.00 625.20 Td (47) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.50 625.20 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.00 625.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.00 625.20 Td (44) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 611.20 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.00 611.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.50 611.20 Td (167) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.00 611.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 611.20 Td (70) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 611.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.00 611.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 611.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.00 611.20 Td (97) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 588.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 588.05 Td (TDRs involving changes in the amount or timing of principal payments may involve principal for) Tj ET Q q 0 0 0 rg BT 366.24 588.05 Td (giveness or deferral of periodic and/or final principal ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 578.45 Td (payments. Because for) Tj ET Q q 0 0 0 rg BT 128.50 578.45 Td (giveness of principal is rare for commercial loans, modifications typically have little to no impact on the loans) Tj ET Q q 0 0 0 rg BT 483.36 578.45 Td ( projected cash flows ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 568.85 Td (and thus little to no impact on the allowance established for the loans. Char) Tj ET Q q 0 0 0 rg BT 296.68 568.85 Td (ge-of) Tj ET Q q 0 0 0 rg BT 313.42 568.85 Td (fs for amounts deemed uncollectable may be recorded at the time of the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 559.25 Td (restructuring or may have already been recorded in prior periods such that no char) Tj ET Q q 0 0 0 rg BT 316.64 559.25 Td (ge-of) Tj ET Q q 0 0 0 rg BT 333.38 559.25 Td (f is required at the time of the modification.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 549.65 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 549.65 Td (TDRs involving changes in the amount or timing of interest payments may involve a below-market interest rate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 517.65 Td (The following table presents corporate ) Tj ET Q q 0 0 0 rg BT 192.71 517.65 Td (TDR activity at and for the year ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.32 517.65 Td (December31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.90 517.65 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 448.15 146.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 182.50 448.15 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.50 448.15 99.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 448.15 101.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 448.15 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 420.15 146.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 182.50 420.15 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.50 420.15 99.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 420.15 101.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 420.15 95.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 448.15 m 182.5 448.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 448.15 m 268.5 448.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 448.15 m 367.5 448.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 448.15 m 468.5 448.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 448.15 m 563.5 448.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 448.15 m 268.5 448.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 448.15 m 367.5 448.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 448.15 m 468.5 448.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 448.15 m 563.5 448.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 420.15 m 182.5 420.15 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 406.15 m 182.5 406.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 420.15 m 268.5 420.15 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 182.5 406.15 m 268.5 406.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 420.15 m 367.5 420.15 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 406.15 m 367.5 406.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 420.15 m 468.5 420.15 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 406.15 m 468.5 406.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 420.15 m 563.5 420.15 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 406.15 m 563.5 406.15 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 452.40 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 209.00 461.61 Td (Carrying) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 214.75 452.61 Td (V) Tj ET Q q 0 0 0 rg BT 220.25 452.61 Td (alue) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.70 488.61 Td (TDRs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.60 479.61 Td (involving changes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.75 470.61 Td (in the amount) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 461.61 Td (and/or timing of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 279.70 452.61 Td (principal payments) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 348.43 456.69 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.70 488.61 Td (TDRs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.60 479.61 Td (involving changes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 470.61 Td (in the amount) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.25 461.61 Td (and/or timing of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.45 452.61 Td (interest payments) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 445.68 456.69 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.70 497.61 Td (TDRs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.60 488.61 Td (involving changes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.75 479.61 Td (in the amount) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.25 470.61 Td (and/or timing of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.75 461.61 Td (both principal and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.85 452.61 Td (interest payments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 438.61 Td (Commercial and industrial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 185.00 438.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 438.61 Td (48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.00 438.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.00 438.61 Td (30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 438.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 438.61 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 438.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 438.61 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 424.61 Td (Mortgage and real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.50 424.61 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.50 424.61 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.50 424.61 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 424.61 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 410.60 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 185.00 410.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.00 410.61 Td (56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.00 410.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.00 410.61 Td (35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.00 410.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 410.61 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 410.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 410.61 Td (3) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 389.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 389.05 Td (TDRs involving changes in the amount or timing of principal payments may involve principal for) Tj ET Q q 0 0 0 rg BT 366.24 389.05 Td (giveness or deferral of periodic and/or final principal ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 379.45 Td (payments. Because for) Tj ET Q q 0 0 0 rg BT 126.50 379.45 Td (giveness of principal is rare for commercial loans, modifications typically have little to no impact on the loans) Tj ET Q q 0 0 0 rg BT 481.36 379.45 Td ( projected cash flows ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 369.85 Td (and thus little to no impact on the allowance established for the loans. Char) Tj ET Q q 0 0 0 rg BT 296.68 369.85 Td (ge-of) Tj ET Q q 0 0 0 rg BT 313.42 369.85 Td (fs for amounts deemed uncollectable may be recorded at the time of the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 360.25 Td (restructuring or may have already been recorded in prior periods such that no char) Tj ET Q q 0 0 0 rg BT 316.64 360.25 Td (ge-of) Tj ET Q q 0 0 0 rg BT 333.38 360.25 Td (f is required at the time of the modification.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 350.65 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 350.65 Td (TDRs involving changes in the amount or timing of interest payments may involve a below-market interest rate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.05 Td (The following table presents total corporate loans modified in a ) Tj ET Q q 0 0 0 rg BT 292.41 317.05 Td (TDR as well as those ) Tj ET Q q 0 0 0 rg BT 379.72 317.05 Td (TDRs that defaulted and for which the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.05 Td (payment default occurred within ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.73 305.05 Td (one year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.88 305.05 Td ( of a permanent modification. Default is defined as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.92 305.05 Td (60 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.75 305.05 Td ( past due, except for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.05 Td (classifiably managed commercial markets loans, where default is defined as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.27 293.05 Td (90 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.10 293.05 Td ( past due.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 236.55 117.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 236.55 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 236.55 115.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 236.55 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 236.55 115.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 208.55 117.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 208.55 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 208.55 115.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 208.55 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 208.55 115.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 250.54999999999995 m 153.5 250.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 250.54999999999995 m 235.5 250.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 250.54999999999995 m 350.5 250.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 250.54999999999995 m 435.5 250.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 250.54999999999995 m 550.5 250.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 250.54999999999995 m 235.5 250.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 250.54999999999995 m 350.5 250.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 250.54999999999995 m 435.5 250.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 250.54999999999995 m 550.5 250.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 194.54999999999995 m 153.5 194.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 180.54999999999995 m 153.5 180.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 194.54999999999995 m 235.5 194.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 180.54999999999995 m 235.5 180.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 194.54999999999995 m 350.5 194.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 180.54999999999995 m 350.5 180.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 194.54999999999995 m 435.5 194.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 180.54999999999995 m 435.5 180.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 194.54999999999995 m 550.5 194.54999999999995 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 180.54999999999995 m 550.5 180.54999999999995 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 254.80 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 161.95 264.00 Td (TDR balances at) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 157.70 255.00 Td (December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 249.10 273.00 Td (TDR loans in payment) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.20 264.00 Td (default during the year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 243.55 255.00 Td (ended December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 264.01 Td (TDR balances at) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.10 255.01 Td (December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.00 273.01 Td (TDR loans in payment default) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.35 264.01 Td (during the year ended) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.10 255.01 Td (December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 241.01 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.00 241.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 218.50 241.00 Td (135) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.00 241.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.00 241.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.00 241.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.50 241.01 Td (117) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.00 241.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 241.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 227.01 Td (Loans to financial institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.50 227.00 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.50 227.00 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.00 227.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 227.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 213.01 Td (Mortgage and real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 218.50 213.00 Td (138) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.00 213.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.50 213.01 Td (107) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 213.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 199.01 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 218.50 199.00 Td (308) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.00 199.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.50 199.01 Td (355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 199.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 185.00 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 185.00 Td (otal) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 58.67 189.08 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.00 185.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 218.50 185.00 Td (586) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.00 185.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.50 185.00 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.00 185.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.50 185.01 Td (579) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.00 185.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 185.01 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 161.85 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 161.85 Td (The above tables reflect activity for loans outstanding as of the end of the reporting period that were considered ) Tj ET Q q 0 0 0 rg BT 413.06 161.85 Td (TDRs.) Tj ET Q endstream endobj 425 0 obj <> endobj 426 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (210) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Pur) Tj ET Q q 0 0 0 rg BT 51.93 742.25 Td (chased Distr) Tj ET Q q 0 0 0 rg BT 104.80 742.25 Td (essed Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (Included in the corporate and consumer loans outstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (tables above are purchased distressed loans, which are loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (that have evidenced significant credit deterioration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (subsequent to origination but prior to acquisition by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (Citigroup. In accordance with ) Tj ET Q q 0 0 0 rg BT 157.35 682.25 Td (ASC 310-30, the dif) Tj ET Q q 0 0 0 rg BT 238.28 682.25 Td (ference ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (between the total expected cash flows for these loans and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (initial recorded investment is recognized in income over the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (life of the loans using a level yield. ) Tj ET Q q 0 0 0 rg BT 178.47 646.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 227.80 646.25 Td (, these loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.25 Td (have been excluded from the impaired loan table information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.25 Td (presented above. In addition, per ) Tj ET Q q 0 0 0 rg BT 169.01 622.25 Td (ASC 310-30, subsequent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 Td (decreases in the expected cash flows for a purchased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.25 Td (distressed loan require a build of an allowance so the loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 742.10 Td (retains its level yield. However) Tj ET Q q 0 0 0 rg BT 441.53 742.10 Td (, increases in the expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 730.10 Td (cash flows are first recognized as a reduction of any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 718.10 Td (previously established allowance and then recognized as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 706.10 Td (income prospectively over the remaining life of the loan by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 694.10 Td (increasing the loan) Tj ET Q q 0 0 0 rg BT 395.56 694.10 Td (s level yield. ) Tj ET Q q 0 0 0 rg BT 448.70 694.10 Td (Where the expected cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 682.10 Td (flows cannot be reliably estimated, the purchased distressed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 670.10 Td (loan is accounted for under the cost recovery method. ) Tj ET Q q 0 0 0 rg BT 534.21 670.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 658.10 Td (carrying amount of the Company) Tj ET Q q 0 0 0 rg BT 452.77 658.10 Td (s purchased distressed loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 646.10 Td (portfolio was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.80 646.10 Td ($234 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.19 646.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.13 646.10 Td ($361 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.52 646.10 Td (, net of an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 634.10 Td (allowance of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.11 634.10 Td ($16 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.50 634.10 Td ( and $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.94 634.10 Td (60 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.33 634.10 Td (, at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.05 634.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 622.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.25 622.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.69 622.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.69 622.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 429.35 622.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.25 Td (The changes in the accretable yield, related allowance and carrying amount net of accretable yield were as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 516.75 209.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.50 516.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 516.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 516.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 488.75 209.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.50 488.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 488.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 488.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 460.75 209.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.50 460.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 460.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 460.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 432.75 209.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.50 432.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 432.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 432.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 404.75 209.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.50 404.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 404.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 404.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 376.75 209.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.50 376.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 376.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 376.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 348.75 209.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.50 348.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 348.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 348.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 320.75 209.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 245.50 320.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 320.75 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 320.75 100.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245.5 516.75 m 345.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 516.75 m 445.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 516.75 m 545.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 516.75 m 245.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 502.75 m 245.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245.5 516.75 m 345.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245.5 502.75 m 345.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 502.75 m 445.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 516.75 m 545.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 502.75 m 545.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 418.75 m 245.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 418.75 m 245.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 404.75 m 245.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245.5 418.75 m 345.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245.5 404.75 m 345.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 418.75 m 445.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 404.75 m 445.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 418.75 m 545.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 404.75 m 545.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 320.75 m 245.5 320.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245.5 320.75 m 345.5 320.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 320.75 m 445.5 320.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 320.75 m 545.5 320.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 320.75 m 245.5 320.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 306.75 m 245.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 245.5 320.75 m 345.5 320.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 245.5 306.75 m 345.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 320.75 m 445.5 320.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 306.75 m 445.5 306.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 320.75 m 545.5 320.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 306.75 m 545.5 306.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 521.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.30 530.20 Td (Accretable) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.70 521.20 Td (yield) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.25 539.20 Td (Carrying) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.95 530.20 Td (amount of loan) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.55 521.20 Td (receivable) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.00 521.20 Td (Allowance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 507.21 Td (Balance at December 31, 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.00 507.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 507.21 Td (107) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.00 507.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.50 507.21 Td (703) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.00 507.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.50 507.21 Td (113) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 493.21 Td (Purchases) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 74.99 497.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.00 493.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.50 493.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.00 493.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.00 493.21 Td (46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.00 493.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 493.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 479.21 Td (Disposals/payments received) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.50 479.21 Td (\(6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.00 479.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.50 479.21 Td (\(307) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 479.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 479.21 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 479.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 465.21 Td (Accretion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 465.21 Td (\(24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.00 465.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.00 465.21 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 465.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 451.21 Td (Builds \(reductions\) to the allowance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 451.21 Td (\(36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.00 451.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.00 451.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 451.21 Td (\(27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 451.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 437.21 Td (Increase to expected cash flows) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 437.21 Td (23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.00 437.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 437.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 423.21 Td (FX translation/other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.50 423.21 Td (\(9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.00 423.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.00 423.21 Td (\(45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 423.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 423.21 Td (\(11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 423.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 409.21 Td (Balance at December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 149.70 413.29 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.00 409.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 409.21 Td (56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.00 409.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.50 409.21 Td (421) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.00 409.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 409.21 Td (60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 395.21 Td (Purchases) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 74.99 399.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.00 395.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.50 395.21 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.00 395.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.00 395.21 Td (54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.00 395.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 395.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 381.21 Td (Disposals/payments received) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.50 381.21 Td (\(5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.00 381.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.50 381.21 Td (\(162) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 381.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.50 381.21 Td (\(9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 381.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 367.21 Td (Accretion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 367.21 Td (\(13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.00 367.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.00 367.21 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 367.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 353.21 Td (Builds \(reductions\) to the allowance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 353.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.00 353.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.50 353.21 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 339.21 Td (Increase to expected cash flows) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.50 339.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.00 339.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 339.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 325.21 Td (FX translation/other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.50 325.21 Td (\(9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.00 325.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.00 325.21 Td (\(76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 325.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 325.21 Td (\(44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 325.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 311.20 Td (Balance at December) Tj ET Q q 0 0 0 rg BT 120.31 311.20 Td ( 31, 2015) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 154.06 315.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.00 311.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.00 311.20 Td (33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.00 311.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.50 311.20 Td (250) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.00 311.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 521.00 311.20 Td (16) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 288.05 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 288.05 Td (The balance reported in the column Carrying amount of loan receivable consists of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.34 288.05 Td ($54 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.46 288.05 Td ( and $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 385.01 288.05 Td (46 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 418.12 288.05 Td ( in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.34 288.05 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.34 288.05 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.89 288.05 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.89 288.05 Td (, respectively) Tj ET Q q 0 0 0 rg BT 518.02 288.05 Td (, of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 278.45 Td (purchased loans accounted for under the level-yield method. No purchased loans were accounted for under the cost-recovery method. ) Tj ET Q q 0 0 0 rg BT 483.02 278.45 Td (These balances ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 268.85 Td (represent the fair value of these loans at their acquisition date. ) Tj ET Q q 0 0 0 rg BT 254.22 268.85 Td (The related total expected cash flows for the level-yield loans at their acquisition dates were ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 259.25 Td ($56 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 91.11 259.25 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 106.66 259.25 Td ($46 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 143.78 259.25 Td ( in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 154.00 259.25 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 170.00 259.25 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 185.55 259.25 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 201.55 259.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 243.68 259.25 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 249.65 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 53.18 249.65 Td (The balance reported in the column Carrying amount of loan receivable consists of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 327.53 249.65 Td ($245 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 368.64 249.65 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.19 249.65 Td ($413 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.30 249.65 Td ( of loans accounted for under the level-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 240.05 Td (yield method and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 111.54 240.05 Td ($5 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 144.66 240.05 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 160.21 240.05 Td ($8 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 193.32 240.05 Td ( accounted for under the cost-recovery method in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 352.81 240.05 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 368.81 240.05 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.36 240.05 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.36 240.05 Td (, respectively) Tj ET Q q 0 0 0 rg BT 442.49 240.05 Td (.) Tj ET Q endstream endobj 427 0 obj <> endobj 428 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 33.60 Td (21) Tj ET Q q 0 0 0 rg BT 308.28 33.60 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (16. ) Tj ET Q q 0 0 0 rg BT 50.45 749.25 Td (ALLOW) Tj ET Q q 0 0 0 rg BT 87.68 749.25 Td (ANCE FOR CREDIT) Tj ET Q q 0 0 0 rg BT 180.84 749.25 Td ( LOSSES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 712.75 350.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 712.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 712.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 712.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 684.75 350.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 684.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 684.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 684.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 656.75 350.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 656.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 656.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 656.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 628.75 350.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 628.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 628.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 628.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 600.75 350.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 600.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 600.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 600.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 572.75 350.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 572.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 572.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 572.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 544.75 350.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 544.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 544.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 544.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 516.75 350.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 516.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 516.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 516.75 63.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 712.75 m 386.5 712.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 712.75 m 449.5 712.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 712.75 m 512.5 712.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 712.75 m 575.5 712.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 712.75 m 449.5 712.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 712.75 m 512.5 712.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 712.75 m 575.5 712.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 670.75 m 386.5 670.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 656.75 m 386.5 656.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 670.75 m 449.5 670.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 656.75 m 449.5 656.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 670.75 m 512.5 670.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 656.75 m 512.5 656.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 670.75 m 575.5 670.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 656.75 m 575.5 656.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 614.75 m 386.5 614.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 614.75 m 449.5 614.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 614.75 m 512.5 614.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 614.75 m 575.5 614.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 586.75 m 386.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 572.75 m 386.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 586.75 m 449.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 572.75 m 449.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 586.75 m 512.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 572.75 m 512.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 586.75 m 575.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 572.75 m 575.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 530.75 m 386.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 530.75 m 449.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 530.75 m 512.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 530.75 m 575.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 530.75 m 449.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 530.75 m 512.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 530.75 m 575.5 530.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 516.75 m 386.5 516.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 502.75 m 386.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 516.75 m 449.5 516.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 502.75 m 449.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 516.75 m 512.5 516.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 502.75 m 512.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 516.75 m 575.5 516.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 502.75 m 575.5 502.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 717.00 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.50 717.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.50 717.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.50 717.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 703.20 Td (Allowance for loan losses at beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 703.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.25 703.20 Td (15,994) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 703.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 703.21 Td (19,648) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 703.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 703.21 Td (25,455) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 689.21 Td (Gross credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.75 689.20 Td (\(9,041) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.00 689.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 689.21 Td (\(11,108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 689.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.25 689.21 Td (\(12,769) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 689.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 675.21 Td (Gross recoveries) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 105.23 679.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 675.20 Td (1,739) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 675.21 Td (2,135) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 675.21 Td (2,306) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 661.20 Td (Net credit losses \(NCLs\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 661.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.75 661.20 Td (\(7,302) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.00 661.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 661.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.75 661.21 Td (\(8,973) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 661.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 661.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.25 661.21 Td (\(10,463) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 661.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 647.21 Td (NCLs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 647.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 647.20 Td (7,302) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 647.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 647.21 Td (8,973) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 647.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 647.21 Td (10,463) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 633.21 Td (Net reserve builds \(releases\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.50 633.20 Td (139) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.75 633.21 Td (\(1,879) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 633.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 633.21 Td (\(1,961) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 633.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 619.21 Td (Net specific reserve releases) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.50 619.20 Td (\(333) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.00 619.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 619.21 Td (\(266) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 619.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 619.21 Td (\(898) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 619.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 605.20 Td (Total provision for loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 605.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 605.20 Td (7,108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 605.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 605.21 Td (6,828) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 605.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 605.21 Td (7,604) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 591.21 Td (Other) Tj ET Q q 0 0 0 rg BT 59.13 591.21 Td (, net) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 74.63 595.29 Td (\(2\)\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.75 591.20 Td (\(3,174) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.00 591.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.75 591.21 Td (\(1,509) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 591.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 591.21 Td (\(2,948) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 591.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 577.20 Td (Allowance for loan losses at end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 577.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.25 577.20 Td (12,626) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 577.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 577.21 Td (15,994) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 577.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 577.21 Td (19,648) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 563.20 Td (Allowance for credit losses on unfunded lending commitments at beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 563.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 563.20 Td (1,063) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 563.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 563.21 Td (1,229) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 563.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 563.21 Td (1,119) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 549.21 Td (Provision \(release\) for unfunded lending commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.00 549.20 Td (74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 549.21 Td (\(162) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 549.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 549.21 Td (80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 535.21 Td (Other) Tj ET Q q 0 0 0 rg BT 59.13 535.21 Td (, net) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 74.63 539.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.50 535.20 Td (265) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 535.21 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 535.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 535.21 Td (30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 521.20 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 92.57 521.20 Td ( cr) Tj ET Q q 0 0 0 rg BT 102.65 521.20 Td (edit losses on unfunded lending commitments at end of period) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 339.92 525.28 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 521.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 521.20 Td (1,402) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 521.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 521.21 Td (1,063) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 521.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 521.21 Td (1,229) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 507.20 Td (Total allowance for loans, leases, and unfunded lending commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 507.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.25 507.20 Td (14,028) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 507.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 507.21 Td (17,057) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 507.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 507.21 Td (20,877) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 484.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 484.05 Td (Recoveries have been reduced by certain collection costs that are incurred only if collection ef) Tj ET Q q 0 0 0 rg BT 355.50 484.05 Td (forts are successful.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 474.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 474.45 Td (2015 includes reductions of approximately) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 190.86 474.45 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 192.86 474.45 Td ($2.4 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 229.75 474.45 Td ( related to the sale or transfer to held-for) Tj ET Q q 0 0 0 rg BT 358.86 474.45 Td (-sale \(HFS\) of various loan portfolios, including approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 464.85 Td ($1.5 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 90.89 464.85 Td ( related to the transfer of various real estate loan portfolios to HFS. ) Tj ET Q q 0 0 0 rg BT 306.83 464.85 Td (Additionally) Tj ET Q q 0 0 0 rg BT 346.75 464.85 Td (, 2015 includes a reduction of approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 492.05 464.85 Td ($474 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.16 464.85 Td ( related to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 455.25 Td (FX translation. 2014 includes reductions of approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.85 455.25 Td ($1.1 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 279.74 455.25 Td ( related to the sale or transfer to HFS of various loan portfolios, including approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 445.65 Td ($41) Tj ET Q q 0 0 0 rg BT 65.70 445.65 Td (1 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 94.82 445.65 Td ( related to the transfer of various real estate loan portfolios to HFS, approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.41 445.65 Td ($204 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.52 445.65 Td ( related to the transfer to HFS of a business in Greece, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 436.05 Td (approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 102.21 436.05 Td ($177 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 143.32 436.05 Td ( related to the transfer to HFS of a business in Spain, approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 362.39 436.05 Td ($29 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.50 436.05 Td ( related to the transfer to HFS of a business in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 426.45 Td (Honduras, and approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 150.86 426.45 Td ($108 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 191.98 426.45 Td ( related to the transfer to HFS of various ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 323.28 426.45 Td (EMEA) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.60 426.45 Td ( loan portfolios. ) Tj ET Q q 0 0 0 rg BT 397.04 426.45 Td (Additionally) Tj ET Q q 0 0 0 rg BT 436.96 426.45 Td (, 2014 includes a reduction of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 416.85 Td (approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 102.21 416.85 Td ($463 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 143.32 416.85 Td ( related to FX translation. 2013 includes reductions of approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 366.16 416.85 Td ($2.4 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 403.05 416.85 Td ( related to the sale or transfer to HFS of various loan ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 407.25 Td (portfolios, including approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 169.54 407.25 Td ($360 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.65 407.25 Td ( related to the sale of Credicard and approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.80 407.25 Td ($255 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.92 407.25 Td ( related to a transfer to HFS of a loan portfolio in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 397.65 Td (Greece, approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 128.85 397.65 Td ($230 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 169.96 397.65 Td ( related to a non-provision transfer of reserves associated with deferred interest to other assets which includes deferred interest ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 388.05 Td (and approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 115.76 388.05 Td ($220 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 156.87 388.05 Td ( related to FX translation.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 378.45 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 378.45 Td (2015 includes a reclassification of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.30 378.45 Td ($271 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 206.41 378.45 Td ( of ) Tj ET Q q 0 0 0 rg BT 216.63 378.45 Td (Allowance for Loan Losses to ) Tj ET Q q 0 0 0 rg BT 314.61 378.45 Td (Allowance for Unfunded Lending Commitments, included in Other) Tj ET Q q 0 0 0 rg BT 530.24 378.45 Td (, net. ) Tj ET Q q 0 0 0 rg BT 547.87 378.45 Td (This ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 368.85 Td (reclassification reflects the re-attribution of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 194.61 368.85 Td ($271 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 235.72 368.85 Td ( in ) Tj ET Q q 0 0 0 rg BT 245.50 368.85 Td (Allowances for Credit Losses between the funded and unfunded portions of the corporate credit ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 359.25 Td (portfolios and does not reflect a change in the underlying credit performance of these portfolios.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 349.65 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 349.65 Td (Represents additional credit loss reserves for unfunded lending commitments and letters of credit recorded in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 405.23 349.65 Td (Other liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 456.11 349.65 Td ( on the Consolidated Balance Sheet.) Tj ET Q endstream endobj 429 0 obj <> endobj 430 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (212) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 38.25 749.25 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 97.78 749.25 Td ( Cr) Tj ET Q q 0 0 0 rg BT 111.76 749.25 Td (edit Losses and Investment in Loans at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 279.84 749.25 Td (December) Tj ET Q q 0 0 0 rg BT 322.96 749.25 Td (31, 2015) Tj ET Q BT /F2 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 724.75 357.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 724.75 61.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 724.75 61.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 724.75 61.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 690.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 690.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 690.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 690.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 662.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 662.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 662.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 662.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 634.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 634.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 634.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 634.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 606.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 606.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 606.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 606.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 578.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 578.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 578.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 578.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 550.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 550.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 550.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 550.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 522.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 522.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 522.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 522.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 494.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 494.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 494.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 494.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 466.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 466.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 466.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 466.75 61.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 724.75 m 392.5 724.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 724.75 m 453.5 724.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 724.75 m 514.5 724.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 724.75 m 575.5 724.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 724.75 m 453.5 724.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 514.5 724.75 m 514.5 704.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 724.75 m 514.5 724.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 724.75 m 575.5 724.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 514.5 704.75 m 514.5 690.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 514.5 690.75 m 514.5 676.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 514.5 676.75 m 514.5 662.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 514.5 662.75 m 514.5 648.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 514.5 648.75 m 514.5 634.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 514.5 634.75 m 514.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 620.75 m 392.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 606.75 m 392.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 620.75 m 453.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 606.75 m 453.5 606.75 l s 0 0 0 RG /GS0 gs 0.50 w 0 i [] 0 d 0 J 0 j 3 M 514.5 620.75 m 514.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 620.75 m 514.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 606.75 m 514.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 620.75 m 575.5 620.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 606.75 m 575.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 606.75 m 392.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 606.75 m 453.5 606.75 l s 514.5 606.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 602.75 l 514.5 600.75 m 514.5 596.75 l 514.5 594.75 m 514.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 606.75 m 514.5 606.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 606.75 m 575.5 606.75 l s 514.5 592.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 588.75 l 514.5 586.75 m 514.5 582.75 l 514.5 580.75 m 514.5 578.75 l s 514.5 578.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 574.75 l 514.5 572.75 m 514.5 568.75 l 514.5 566.75 m 514.5 564.75 l s 514.5 564.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 560.75 l 514.5 558.75 m 514.5 554.75 l 514.5 552.75 m 514.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 550.75 m 392.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 536.75 m 392.5 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 550.75 m 453.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 536.75 m 453.5 536.75 l s 514.5 550.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 546.75 l 514.5 544.75 m 514.5 540.75 l 514.5 538.75 m 514.5 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 550.75 m 514.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 536.75 m 514.5 536.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 550.75 m 575.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 536.75 m 575.5 536.75 l s 514.5 536.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 532.75 l 514.5 530.75 m 514.5 526.75 l 514.5 524.75 m 514.5 522.75 l s 514.5 522.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 518.75 l 514.5 516.75 m 514.5 512.75 l 514.5 510.75 m 514.5 508.75 l s 514.5 508.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 504.75 l 514.5 502.75 m 514.5 498.75 l 514.5 496.75 m 514.5 494.75 l s 514.5 494.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 490.75 l 514.5 488.75 m 514.5 484.75 l 514.5 482.75 m 514.5 480.75 l s 514.5 494.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 490.75 l 514.5 488.75 m 514.5 484.75 l 514.5 482.75 m 514.5 480.75 l s 514.5 480.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 476.75 l 514.5 474.75 m 514.5 470.75 l 514.5 468.75 m 514.5 466.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 466.75 m 392.5 466.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 452.75 m 392.5 452.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 466.75 m 453.5 466.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 452.75 m 453.5 452.75 l s 514.5 466.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 462.75 l 514.5 460.75 m 514.5 456.75 l 514.5 454.75 m 514.5 452.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 466.75 m 514.5 466.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 452.75 m 514.5 452.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 466.75 m 575.5 466.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 452.75 m 575.5 452.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 729.00 Td (Inmillionsofdollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.50 729.20 Td (Corporate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.55 729.20 Td (Consumer) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.65 729.20 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 709.21 Td (Allowance for loan losses at beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 709.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 709.20 Td (2,389) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 709.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.25 709.20 Td (13,605) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 709.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 709.20 Td (15,994) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 695.21 Td (Charge-offs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.50 695.20 Td (\(331) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 695.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.75 695.20 Td (\(8,710) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.00 695.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.75 695.20 Td (\(9,041) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 695.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 681.21 Td (Recoveries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 681.20 Td (97) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.75 681.20 Td (1,642) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 681.20 Td (1,739) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 667.21 Td (Replenishment of net charge-offs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 667.20 Td (234) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.75 667.20 Td (7,068) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 667.20 Td (7,302) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 653.21 Td (Net reserve builds \(releases\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 653.20 Td (523) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 653.20 Td (\(384) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.00 653.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 653.20 Td (139) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 639.21 Td (Net specific reserve builds \(releases\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 639.20 Td (86) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 639.20 Td (\(419) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.00 639.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.50 639.20 Td (\(333) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 639.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 625.21 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.50 625.20 Td (\(288) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 625.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.75 625.20 Td (\(2,886) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.00 625.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.75 625.20 Td (\(3,174) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 625.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 611.20 Td (Ending balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 611.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 611.20 Td (2,710) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 611.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.75 611.20 Td (9,916) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 611.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 611.20 Td (12,626) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 597.21 Td (Allowance for loan losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 597.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.00 597.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 597.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 583.21 Td (Determined in accordance with ASC 450) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 583.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 583.20 Td (2,345) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 583.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.75 583.20 Td (7,839) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 583.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 583.20 Td (10,184) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 569.21 Td (Determined in accordance with ASC 310-10-35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 569.20 Td (362) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.75 569.20 Td (2,064) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 569.20 Td (2,426) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 555.21 Td (Determined in accordance with ASC 310-30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.50 555.20 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 555.20 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 555.20 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 541.20 Td (Total allowance for loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 541.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 541.20 Td (2,710) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 541.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.75 541.20 Td (9,916) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 541.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 541.20 Td (12,626) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 527.21 Td (Loans, net of unearned income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 513.21 Td (Loans collectively evaluated for impairment in accordance with ASC 450) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 513.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 513.20 Td (281,066) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 513.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.75 513.20 Td (319,301) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 513.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.75 513.20 Td (600,367) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 499.21 Td (Loans individually evaluated for impairment in accordance with ASC 310-10-35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 499.20 Td (1,792) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.25 499.20 Td (10,203) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 499.20 Td (11,995) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 485.21 Td (Loans acquired with deteriorated credit quality in accordance with ASC 310-30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.50 485.20 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.50 485.20 Td (245) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 485.20 Td (250) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 471.21 Td (Loans held at fair value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 471.20 Td (4,971) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 471.20 Td (34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 471.20 Td (5,005) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 457.20 Td (Total loans, net of unearned income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 457.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 457.20 Td (287,834) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.00 457.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.75 457.20 Td (329,783) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 457.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.75 457.20 Td (617,617) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 417.25 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 95.53 417.25 Td ( Cr) Tj ET Q q 0 0 0 rg BT 109.51 417.25 Td (edit Losses and Investment in Loans at ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 277.59 417.25 Td (December) Tj ET Q q 0 0 0 rg BT 320.71 417.25 Td (31, 2014) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 358.21 417.25 Td ( ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 392.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 392.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 392.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 392.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 364.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 364.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 364.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 364.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 336.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 336.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 336.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 336.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 308.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 308.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 308.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 308.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 280.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 280.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 280.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 280.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 252.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 252.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 252.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 252.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 224.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 224.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 224.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 224.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 196.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 196.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 196.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 196.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 168.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 168.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 168.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 168.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 140.75 357.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 140.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 140.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 140.75 61.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 392.75 m 393.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 392.75 m 454.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 392.75 m 515.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 392.75 m 576.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 392.75 m 454.5 392.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 392.75 m 515.5 392.75 l s 0 0 0 RG /GS0 gs 0.25 w 0 i [] 0 d 0 J 0 j 3 M 515.5 392.75 m 515.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 392.75 m 576.5 392.75 l s 0 0 0 RG /GS0 gs 0.25 w 0 i [] 0 d 0 J 0 j 3 M 515.5 378.75 m 515.5 364.75 l s 0 0 0 RG /GS0 gs 0.25 w 0 i [] 0 d 0 J 0 j 3 M 515.5 364.75 m 515.5 350.75 l s 0 0 0 RG /GS0 gs 0.25 w 0 i [] 0 d 0 J 0 j 3 M 515.5 350.75 m 515.5 336.75 l s 0 0 0 RG /GS0 gs 0.25 w 0 i [] 0 d 0 J 0 j 3 M 515.5 336.75 m 515.5 322.75 l s 0 0 0 RG /GS0 gs 0.25 w 0 i [] 0 d 0 J 0 j 3 M 515.5 322.75 m 515.5 308.75 l s 0 0 0 RG /GS0 gs 0.25 w 0 i [] 0 d 0 J 0 j 3 M 515.5 308.75 m 515.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 294.75 m 393.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 280.75 m 393.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 294.75 m 454.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 280.75 m 454.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 294.75 m 515.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 294.75 m 515.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 280.75 m 515.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 294.75 m 576.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 280.75 m 576.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 280.75 m 393.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 280.75 m 454.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 280.75 m 515.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 280.75 m 515.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 280.75 m 576.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 266.75 m 515.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 252.75 m 515.5 238.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 238.75 m 515.5 224.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 224.75 m 393.5 224.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 210.75 m 393.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 224.75 m 454.5 224.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 210.75 m 454.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 224.75 m 515.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 224.75 m 515.5 224.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 210.75 m 515.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 224.75 m 576.5 224.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 210.75 m 576.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 210.75 m 515.5 196.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 196.75 m 515.5 182.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 182.75 m 515.5 168.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 168.75 m 515.5 154.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 154.75 m 515.5 140.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 140.75 m 393.5 140.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 126.75 m 393.5 126.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 140.75 m 454.5 140.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 126.75 m 454.5 126.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 140.75 m 515.5 126.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 140.75 m 515.5 140.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 126.75 m 515.5 126.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 140.75 m 576.5 140.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 126.75 m 576.5 126.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 397.00 Td (Inmillionsofdollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.50 397.21 Td (Corporate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.00 397.21 Td (Consumer) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.30 397.21 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 383.21 Td (Allowance for loan losses at beginning of period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 383.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 383.21 Td (2,584) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.00 383.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 383.21 Td (17,064) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 383.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 383.21 Td (19,648) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 369.21 Td (Charge-offs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.50 369.21 Td (\(427) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 369.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.25 369.21 Td (\(10,681) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 369.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 369.21 Td (\(11,108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 369.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 355.21 Td (Recoveries) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 355.21 Td (139) Tj ET Q BT 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661.21 Td (10,262) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 661.21 Td (10,463) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 647.21 Td (Net reserve releases) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.50 647.21 Td (\(199) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 647.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.75 647.21 Td (\(1,762) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.00 647.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 647.21 Td (\(1,961) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 647.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 633.21 Td (Net specific reserve releases) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.50 633.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 633.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 633.21 Td (\(897) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.00 633.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 633.21 Td (\(898) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 633.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.00 619.21 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 619.21 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.75 619.21 Td (\(2,956) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.00 619.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 619.21 Td (\(2,948) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 619.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 605.20 Td (Ending balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 605.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 605.21 Td (2,584) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 605.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.25 605.21 Td (17,064) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 605.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 605.21 Td (19,648) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 433 0 obj <> endobj 434 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (214) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 40.50 742.25 Td (17.GOODWILL) Tj ET Q q 0 0 0 rg BT 117.74 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 119.68 742.25 Td (AND INT) Tj ET Q q 0 0 0 rg BT 160.89 742.25 Td (ANGIBLE ) Tj ET Q q 0 0 0 rg BT 208.96 742.25 Td (ASSETS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 40.50 722.25 Td (Goodwill) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 710.25 Td (The changes in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 103.53 710.25 Td (Goodwill) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.76 710.25 Td ( were as follows: ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 686.75 451.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 686.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 658.75 451.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 658.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 630.75 451.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 630.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 602.75 451.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 602.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 574.75 451.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 574.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 546.75 451.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 546.75 70.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 686.75 m 492 686.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492 686.75 m 562 686.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 686.75 m 492 686.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 672.75 m 492 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492 672.75 m 562 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492 672.75 m 562 672.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 630.75 m 492 630.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492 630.75 m 562 630.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 630.75 m 492 630.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 616.75 m 492 616.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492 630.75 m 562 630.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492 616.75 m 562 616.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 616.75 m 492 616.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492 616.75 m 562 616.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 588.75 m 492 588.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 574.75 m 492 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492 588.75 m 562 588.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492 574.75 m 562 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 574.75 m 492 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492 574.75 m 562 574.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 532.75 m 492 532.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 41 518.75 m 492 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492 532.75 m 562 532.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 492 518.75 m 562 518.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 43.50 691.00 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 677.21 Td (Balance at December 31, 2012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 677.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.75 677.21 Td (25,673) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 663.21 Td (Foreign currency translation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 663.21 Td (\(577) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 663.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 649.21 Td (Divestitures, purchase accounting adjustments and other) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 246.44 653.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.50 649.21 Td (\(25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 649.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 635.21 Td (Sale of Brazil Credicard) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.50 635.21 Td (\(62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 635.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 621.21 Td (Balance at December 31, 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 621.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.75 621.21 Td (25,009) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 607.21 Td (Foreign currency translation and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 607.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.25 607.21 Td (\(1,214) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 607.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 593.21 Td (Divestitures and purchase accounting adjustments) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 223.45 597.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 593.21 Td (\(203) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 593.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 579.21 Td (Balance at December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 579.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.75 579.21 Td (23,592) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 565.21 Td (Foreign currency translation and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 565.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.25 565.20 Td (\(1,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 565.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 551.21 Td (Impairment of goodwill) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.50 551.20 Td (\(31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 551.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 537.21 Td (Divestitures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 86.99 541.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.00 537.20 Td (\(212) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 537.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.50 523.20 Td (Balance at December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 523.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.75 523.20 Td (22,349) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 495.25 Td (The changes in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 103.53 495.25 Td (Goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.26 495.25 Td (by segment were as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 450.75 268.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.00 450.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.00 450.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 450.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 450.75 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 421.75 268.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.00 421.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.00 421.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 421.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 421.75 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 391.75 268.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.00 391.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.00 391.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 391.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 391.75 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 361.75 268.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.00 361.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.00 361.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 361.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 361.75 69.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 332.75 268.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.00 332.75 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.00 332.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 332.75 65.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.00 332.75 69.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 450.75 m 309 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309 450.75 m 363 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 450.75 m 428 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 450.75 m 493 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 450.75 m 562 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 450.75 m 309 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 435.75 m 309 435.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309 450.75 m 363 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309 435.75 m 363 435.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 450.75 m 428 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 435.75 m 428 435.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 450.75 m 493 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 435.75 m 493 435.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 450.75 m 562 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 435.75 m 562 435.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 406.75 m 309 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 391.75 m 309 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309 406.75 m 363 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309 391.75 m 363 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 406.75 m 428 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 391.75 m 428 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 406.75 m 493 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 391.75 m 493 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 406.75 m 562 406.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 391.75 m 562 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 391.75 m 309 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309 391.75 m 363 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 391.75 m 428 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 391.75 m 493 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 391.75 m 562 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 332.75 m 309 332.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 41 317.75 m 309 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309 332.75 m 363 332.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 309 317.75 m 363 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363 332.75 m 428 332.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 363 317.75 m 428 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 332.75 m 493 332.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 428 317.75 m 493 317.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493 332.75 m 562 332.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 493 317.75 m 562 317.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 43.50 455.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.45 473.20 Td (Global) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.55 464.20 Td (Consumer) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.20 455.20 Td (Banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.20 464.20 Td (Institutional) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.70 455.20 Td (Clients Group) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.35 455.20 Td (Citi Holdings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.15 455.20 Td (Total) Tj ET Q BT /F1 9.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 43.50 446.45 110.70 -8.18 re f /GS0 gs q 0 0 0 rg BT 43.50 440.21 Td (Balance at December 31, 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.50 440.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.75 440.21 Td (13,985) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.50 440.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 440.21 Td (10,868) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.50 440.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.00 440.21 Td (156) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 440.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.75 440.21 Td (25,009) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 426.21 Td (Foreign currency translation and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 426.21 Td (\(505) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.50 426.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 426.21 Td (\(711) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.50 426.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 426.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 426.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.25 426.21 Td (\(1,214) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 426.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 411.21 Td (Divestitures and purchase accounting adjustments) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 223.45 415.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.50 411.21 Td (\(86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.50 411.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 411.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.50 411.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 411.21 Td (\(116) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 411.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 411.21 Td (\(203) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 411.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 396.21 Td (Balance at December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.50 396.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.75 396.21 Td (13,394) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.50 396.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.75 396.21 Td (10,156) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.50 396.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 396.21 Td (42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 396.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.75 396.21 Td (23,592) Tj ET Q BT /F1 9.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 43.50 387.45 157.03 -8.18 re f /GS0 gs q 0 0 0 rg BT 43.50 381.21 Td (Impact of reor) Tj ET Q q 0 0 0 rg BT 94.81 381.21 Td (ganization at January 1, 2015) Tj ET Q BT /F1 9.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 200.53 391.53 6.82 -8.18 re f /GS0 gs BT /F1 5.85 Tf ET q 0 0 0 rg BT 200.53 385.29 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.50 381.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.00 381.20 Td (\(177) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.50 381.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.50 381.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.50 381.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.50 381.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 381.20 Td (177) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 381.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.50 381.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 366.21 Td (Foreign currency translation and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.00 366.20 Td (\(355) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.50 366.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.00 366.20 Td (\(644) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.50 366.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.00 366.20 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.50 366.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.25 366.20 Td (\(1,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 366.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 43.50 357.45 85.98 -8.18 re f /GS0 gs q 0 0 0 rg BT 43.50 351.21 Td (Impairment of goodwill) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.50 351.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.50 351.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.50 351.20 Td (\(31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.50 351.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.50 351.20 Td (\(31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 351.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 337.21 Td (Divestitures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 86.99 341.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.50 337.20 Td (\(24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.50 337.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.00 337.20 Td (\(1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.50 337.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 337.20 Td (\(187) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.50 337.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.00 337.20 Td (\(212) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 337.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.50 322.20 Td (Balance at December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.50 322.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 334.75 322.20 Td (12,838) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.50 322.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.25 322.20 Td (9,511) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.50 322.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.50 322.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 322.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 533.75 322.20 Td (22,349) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 40.50 296.65 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 58.50 296.65 Td (Primarily related to the sales of the Spain consumer operations and the Japan retail banking business. See Note 2 to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 40.50 287.05 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 58.50 287.05 Td (Primarily related to the sales of the Latin ) Tj ET Q q 0 0 0 rg BT 190.91 287.05 Td (America Retirement Services and Japan cards businesses completed during the year) Tj ET Q q 0 0 0 rg BT 458.94 287.05 Td (, and agreements to sell certain ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 277.45 Td (businesses in Citi Holdings as of December 31, 2015. See Note 2 to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 40.50 267.85 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 58.50 267.85 Td (Goodwill allocation associated with the transfers of certain ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 249.11 267.85 Td (GCB) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.11 267.85 Td ( businesses to Citi Holdings ef) Tj ET Q q 0 0 0 rg BT 362.52 267.85 Td (fective January 1, 2015, as described above. See Note 3 to the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 258.25 Td (Consolidated Financial Statements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 234.25 Td (Goodwill impairment testing is performed at the level ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 222.25 Td (below each business segment \(referred to as a reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 210.25 Td (unit\). ) Tj ET Q q 0 0 0 rg BT 64.21 210.25 Td (The Company performed its annual goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 198.25 Td (impairment test as of July 1, 2015 resulting in no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 186.25 Td (impairment for any of the reporting units. ) Tj ET Q q 0 0 0 rg BT 209.17 186.25 Td (The reporting unit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 174.25 Td (structure in 2015 was the same as the reporting unit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 162.25 Td (structure in 2014, except for the ef) Tj ET Q q 0 0 0 rg BT 178.32 162.25 Td (fect of the January 1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 150.25 Td (2015 reor) Tj ET Q q 0 0 0 rg BT 78.92 150.25 Td (ganization noted below and the sales involving the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 138.25 Td (Citi Holdings) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 104.67 138.25 Td (Car) Tj ET Q q 0 0 0 rg BT 119.87 138.25 Td (ds, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.76 138.25 Td (Latin ) Tj ET Q q 0 0 0 rg BT 156.81 138.25 Td (America Retirement Services, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 126.25 Td (and Citi Holdings) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 121.61 126.25 Td (Consumer Japan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.67 126.25 Td ( reporting units during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 114.25 Td (the third quarter of 2014 and second and fourth quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 102.25 Td (2015, respectively) Tj ET Q q 0 0 0 rg BT 113.16 102.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 90.25 Td (Furthermore, interim goodwill impairment tests were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 78.25 Td (performed during the year) Tj ET Q q 0 0 0 rg BT 144.78 78.25 Td (, which resulted in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.15 78.25 Td ($31 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.54 78.25 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 66.25 Td (total goodwill impairment recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 195.18 66.25 Td (Operating expens) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.00 66.25 Td (es, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.25 234.25 Td (as discussed below) Tj ET Q q 0 0 0 rg BT 394.70 234.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.70 234.25 Td (No) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.92 234.25 Td ( goodwill was deemed impaired in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.25 222.25 Td (2014 and 2013. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.25 210.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 346.51 210.25 Td (fective January 1, 2015, certain consumer banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.25 198.25 Td (and institutional businesses were transferred to Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.25 186.25 Td (Holdings and aggregated to form five new reporting units: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.25 174.25 Td (Citi Holdings) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 383.42 174.25 Td (Consumer EMEA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.69 174.25 Td (, Citi Holdings) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 319.25 162.25 Td (Consumer Latin ) Tj ET Q q 0 0 0 rg BT 386.30 162.25 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.18 162.25 Td (, Citi Holdings) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 489.35 162.25 Td (Consumer Japan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.40 162.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.25 150.25 Td (Citi Holdings) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 383.42 150.25 Td (Consumer Finance South Kor) Tj ET Q q 0 0 0 rg BT 502.77 150.25 Td (ea) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.21 150.25 Td (, and Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.25 138.25 Td (Holdings) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 365.92 138.25 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.14 138.25 Td (. Goodwill balances associated with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.25 126.25 Td (transfers were allocated to each of the component ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.25 114.25 Td (businesses based on their relative fair values to the legacy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.25 102.25 Td (reporting units. ) Tj ET Q q 0 0 0 rg BT 382.30 102.25 Td (An interim goodwill impairment test was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.25 90.25 Td (performed as of January 1, 2015 under the legacy and new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.25 78.25 Td (reporting structures, which resulted in full impairment of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.25 66.25 Td (new Citi Holdings) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 402.58 66.25 Td (Consumer Finance South Kor) Tj ET Q q 0 0 0 rg BT 521.93 66.25 Td (ea) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.37 66.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.25 54.25 Td (reporting unit's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.16 54.25 Td ($16 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.55 54.25 Td ( of goodwill. ) Tj ET Q q 0 0 0 rg BT 481.88 54.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 531.78 54.25 Td (, ) Tj ET Q endstream endobj 435 0 obj <> endobj 436 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (215) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 742.10 Td (during the third quarter of 2015, Citi signed definitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 730.10 Td (agreements to sell most of its businesses reported in Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 718.10 Td (Holdings) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 87.17 718.10 Td (Consumer Latin ) Tj ET Q q 0 0 0 rg BT 154.22 718.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.10 718.10 Td ( and allocated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.13 718.10 Td ($55 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 706.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.39 706.10 Td ( of goodwill to these disposals, which are classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 694.10 Td (as held-for) Tj ET Q q 0 0 0 rg BT 83.34 694.10 Td (-sale. ) Tj ET Q q 0 0 0 rg BT 107.03 694.10 Td (This resulted in full impairment of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 682.10 Td (remaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 83.54 682.10 Td ($15 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.93 682.10 Td ( of goodwill within the Citi Holdings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 670.10 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.50 670.10 Td (Consumer Latin ) Tj ET Q q 0 0 0 rg BT 117.55 670.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.43 670.10 Td ( reporting unit. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 658.10 Td (The fair values of the Company) Tj ET Q q 0 0 0 rg BT 188.18 658.10 Td (s reporting units ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 646.10 Td (substantially exceeded their carrying values and did not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 634.10 Td (indicate a risk of impairment based on current valuations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 622.10 Td (The following table shows reporting units with goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 610.10 Td (balances as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.08 610.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.67 610.10 Td ( and the fair value as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 598.10 Td (percentage of allocated book value as of the annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 586.10 Td (impairment test.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 562.60 105.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.00 562.60 85.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.00 562.60 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 516.60 105.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.00 516.60 85.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.00 516.60 50.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 471.60 105.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.00 471.60 85.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.00 471.60 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 433.60 105.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.00 433.60 85.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.00 433.60 50.00 -24.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146 562.6 m 231 562.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 562.6 m 281 562.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 562.6 m 146 562.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 539.6 m 146 539.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146 539.6 m 231 539.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 539.6 m 281 539.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 539.6 m 146 539.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146 539.6 m 231 539.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 539.6 m 281 539.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 409.6 m 146 409.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146 409.6 m 231 409.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231 409.6 m 281 409.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 41 394.6 m 146 394.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 146 394.6 m 231 394.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 231 394.6 m 281 394.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 43.50 566.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.50 544.05 Td (Reporting unit) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 100.26 548.13 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 149.45 553.05 Td (Fair value as a % of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 148.70 544.05 Td (allocated book value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 237.95 544.05 Td (Goodwill) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 43.50 530.05 Td (North ) Tj ET Q q 0 0 0 rg BT 66.59 530.05 Td (America Global ) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 43.50 521.05 Td (Consumer Banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.00 521.05 Td (182) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 215.50 521.05 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 521.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.25 521.05 Td (6,706) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 43.50 507.85 Td (EMEA) Tj ET Q q 0 0 0 rg BT 67.33 507.85 Td ( Global Consumer ) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 43.50 498.85 Td (Banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.00 499.05 Td (199) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.00 499.05 Td (293) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 43.50 485.05 Td (Asia Global Consumer ) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 43.50 476.05 Td (Banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.00 476.05 Td (229) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.25 476.05 Td (4,513) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 43.50 462.05 Td (Latin ) Tj ET Q q 0 0 0 rg BT 64.59 462.05 Td (America Global ) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 43.50 453.05 Td (Consumer Banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.00 453.05 Td (146) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.25 453.05 Td (1,326) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 43.50 438.05 Td (Banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.00 438.05 Td (237) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.25 438.05 Td (3,052) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 43.50 423.05 Td (Markets and Securities ) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 43.50 414.05 Td (Services) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.00 414.05 Td (145) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.25 414.05 Td (6,459) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.50 399.05 Td (T) Tj ET Q q 0 0 0 rg BT 48.68 399.05 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.50 399.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.75 399.05 Td (22,349) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 40.50 375.90 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 58.50 375.90 Td (Citi Holdings) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 101.84 375.90 Td (Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 127.62 375.90 Td ( and) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 141.17 375.90 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 143.17 375.90 Td (Citi Holdings) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 186.51 375.90 Td (ICG ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 209.40 375.90 Td (are) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 219.16 375.90 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 221.16 375.90 Td (excluded from the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 366.30 Td (table as there is no goodwill allocated to them.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 40.50 356.70 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 58.50 356.70 Td (Citi Holdings) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 101.84 356.70 Td (Consumer EMEA,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 167.17 356.70 Td ( Citi Holdings) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 212.51 356.70 Td ( Consumer Latin ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 58.50 347.10 Td (America, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 89.60 347.10 Td (and) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 101.15 347.10 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.15 347.10 Td (Citi Holdings) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 146.49 347.10 Td (Consumer Finance South Kor) Tj ET Q q 0 0 0 rg BT 249.08 347.10 Td (ea ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 258.63 347.10 Td (are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 337.50 Td (excluded from the table as the allocated goodwill was either impaired ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 327.90 Td (or classified as held-for) Tj ET Q q 0 0 0 rg BT 133.64 327.90 Td (-sale as of December 31, 2015.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 40.50 296.70 Td (Intangible ) Tj ET Q q 0 0 0 rg BT 86.35 296.70 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 284.70 Td (The components of intangible assets were as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 39.75 228.20 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.75 228.20 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.75 228.20 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.75 228.20 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 228.20 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.75 228.20 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.75 228.20 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 39.75 200.20 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.75 200.20 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.75 200.20 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.75 200.20 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 200.20 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.75 200.20 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.75 200.20 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 39.75 172.20 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.75 172.20 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.75 172.20 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.75 172.20 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 172.20 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.75 172.20 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.75 172.20 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 39.75 144.20 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.75 144.20 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.75 144.20 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.75 144.20 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 144.20 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.75 144.20 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.75 144.20 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 39.75 116.20 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.75 116.20 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.75 116.20 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.75 116.20 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.75 116.20 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.75 116.20 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.75 116.20 39.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.75 260.20000000000005 m 317.75 260.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.75 260.20000000000005 m 377.75 260.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.75 260.20000000000005 m 418.75 260.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 274.20000000000005 m 418.75 260.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 260.20000000000005 m 467.75 260.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 260.20000000000005 m 522.75 260.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.75 260.20000000000005 m 561.75 260.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 39.75 228.20000000000005 m 269.75 228.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.75 228.20000000000005 m 317.75 228.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.75 228.20000000000005 m 377.75 228.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.75 228.20000000000005 m 418.75 228.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 260.20000000000005 m 418.75 228.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 228.20000000000005 m 467.75 228.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 228.20000000000005 m 522.75 228.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.75 228.20000000000005 m 561.75 228.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.75 228.20000000000005 m 317.75 228.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.75 228.20000000000005 m 377.75 228.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.75 228.20000000000005 m 418.75 228.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 228.20000000000005 m 418.75 214.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 228.20000000000005 m 467.75 228.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 228.20000000000005 m 522.75 228.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.75 228.20000000000005 m 561.75 228.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 214.20000000000005 m 418.75 200.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 200.20000000000005 m 418.75 186.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 186.20000000000005 m 418.75 172.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 172.20000000000005 m 418.75 158.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 158.20000000000005 m 418.75 144.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 39.75 144.20000000000005 m 269.75 144.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.75 144.20000000000005 m 317.75 144.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.75 144.20000000000005 m 377.75 144.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.75 144.20000000000005 m 418.75 144.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 144.20000000000005 m 418.75 130.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 144.20000000000005 m 467.75 144.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 144.20000000000005 m 522.75 144.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.75 144.20000000000005 m 561.75 144.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 130.20000000000005 m 418.75 116.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 39.75 116.20000000000005 m 269.75 116.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 39.75 102.20000000000005 m 269.75 102.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.75 116.20000000000005 m 317.75 116.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 269.75 102.20000000000005 m 317.75 102.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.75 116.20000000000005 m 377.75 116.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.75 102.20000000000005 m 377.75 102.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377.75 116.20000000000005 m 418.75 116.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 377.75 102.20000000000005 m 418.75 102.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 116.20000000000005 m 418.75 102.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 116.20000000000005 m 467.75 116.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 418.75 102.20000000000005 m 467.75 102.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 116.20000000000005 m 522.75 116.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 467.75 102.20000000000005 m 522.75 102.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.75 116.20000000000005 m 561.75 116.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 522.75 102.20000000000005 m 561.75 102.20000000000005 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.25 264.65 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.45 264.65 Td (December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.35 264.66 Td (December 31, 2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 42.25 232.45 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.05 250.65 Td (Gr) Tj ET Q q 0 0 0 rg BT 292.88 250.65 Td (oss) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.75 241.65 Td (carrying) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.45 232.65 Td (amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.75 241.65 Td (Accumulated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 322.50 232.65 Td (amortization) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 250.65 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.25 241.65 Td (carrying) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.95 232.65 Td (amount) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.20 250.66 Td (Gross) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.75 241.66 Td (carrying) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.25 232.66 Td (amount) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 241.66 Td (Accumulated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.00 232.66 Td (amortization) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.25 250.66 Td (Net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 526.75 241.66 Td (carrying) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.25 232.66 Td (amount) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.25 218.66 Td (Purchased credit card relationships) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.25 218.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.00 218.65 Td (7,606) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.25 218.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 218.65 Td (6,520) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.25 218.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 218.65 Td (1,086) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 218.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 218.66 Td (7,626) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.25 218.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 218.66 Td (6,294) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 218.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 218.66 Td (1,332) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.25 204.66 Td (Core deposit intangibles) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.00 204.65 Td (1,050) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.75 204.65 Td (969) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.25 204.65 Td (81) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 204.66 Td (1,153) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 204.66 Td (1,021) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.75 204.66 Td (132) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.25 190.66 Td (Other customer relationships) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.75 190.65 Td (471) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.75 190.65 Td (252) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.75 190.65 Td (219) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.75 190.66 Td (579) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.75 190.66 Td (331) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.75 190.66 Td (248) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.25 176.66 Td (Present value of future profits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.25 176.65 Td (37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.25 176.65 Td (31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.75 176.65 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.75 176.66 Td (233) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.75 176.66 Td (154) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.25 176.66 Td (79) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.25 162.66 Td (Indefinite-lived intangible assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.75 162.65 Td (234) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.25 162.65 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.75 162.65 Td (234) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.75 162.66 Td (290) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.25 162.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.75 162.66 Td (290) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.25 148.66 Td (Other) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 62.74 152.74 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.00 148.65 Td (4,709) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 148.65 Td (2,614) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 148.65 Td (2,095) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 148.66 Td (5,217) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 148.66 Td (2,732) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 148.66 Td (2,485) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.25 134.65 Td (Intangible assets \(excluding MSRs\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.25 134.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.50 134.65 Td (14,107) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.25 134.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 134.65 Td (10,386) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.25 134.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 134.65 Td (3,721) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 134.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 134.66 Td (15,098) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.25 134.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 134.66 Td (10,532) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 134.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 134.66 Td (4,566) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.25 120.66 Td (Mortgage servicing rights \(MSRs\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 165.99 124.74 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.00 120.65 Td (1,781) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.25 120.65 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 120.65 Td (1,781) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 120.66 Td (1,845) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.25 120.66 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 120.66 Td (1,845) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.25 106.65 Td (Total intangible assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.25 106.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.50 106.65 Td (15,888) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.25 106.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 106.65 Td (10,386) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.25 106.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 106.65 Td (5,502) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 106.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 106.66 Td (16,943) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.25 106.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 106.66 Td (10,532) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 106.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.00 106.66 Td (6,411) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 40.50 85.10 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 85.10 Td (Includes contract-related intangible assets.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 40.50 75.50 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 75.50 Td (For additional information on Citi) Tj ET Q q 0 0 0 rg BT 169.60 75.50 Td (s MSRs, including the rollforward from 2014 to 2015, see Note ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.69 75.50 Td (22) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 382.69 75.50 Td ( to the Consolidated Financial Statements.) Tj ET Q endstream endobj 437 0 obj <> endobj 438 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (216) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 742.10 Td (Intangible assets amortization expense was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.17 742.10 Td ($625 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.56 742.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 730.10 Td ($756 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.89 730.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.33 730.10 Td ($808 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.72 730.10 Td ( for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.38 730.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.38 730.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.38 730.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.38 730.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.82 730.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.82 730.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 718.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 88.16 718.10 Td (. Intangible assets amortization expense is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 706.10 Td (estimated to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.54 706.10 Td ($528 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.93 706.10 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.71 706.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.71 706.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.71 706.10 Td ($840 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.10 706.10 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.88 706.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.88 706.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 694.10 Td ($348 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.89 694.10 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.67 694.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.67 694.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.67 694.10 Td ($334 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.06 694.10 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.84 694.10 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.84 694.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.28 694.10 Td ($141 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 682.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.39 682.10 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.17 682.10 Td (2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.17 682.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 40.50 658.10 Td (The changes in intangible assets during the twelve months ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.66 658.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.24 658.10 Td ( were as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 589.60 153.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.00 589.60 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.00 589.60 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 589.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.00 589.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 589.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 589.60 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 561.60 153.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.00 561.60 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.00 561.60 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 561.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.00 561.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 561.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 561.60 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 533.60 153.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.00 533.60 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.00 533.60 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 533.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.00 533.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 533.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 533.60 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 505.60 153.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.00 505.60 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.00 505.60 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 505.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.00 505.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 505.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 505.60 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.00 477.60 153.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.00 477.60 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.00 477.60 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 477.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.00 477.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 477.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 477.60 75.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 589.6 m 194 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194 589.6 m 268 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 589.6 m 325 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 589.6 m 386 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 589.6 m 445 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 589.6 m 498 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 589.6 m 573 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194 589.6 m 268 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 589.6 m 325 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 589.6 m 386 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 589.6 m 445 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 589.6 m 498 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 589.6 m 498 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 589.6 m 573 589.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 575.6 m 498 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 561.6 m 498 547.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 547.6 m 498 533.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 533.6 m 498 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 519.6 m 498 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 505.6 m 194 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194 505.6 m 268 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 505.6 m 325 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 505.6 m 386 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 505.6 m 445 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 505.6 m 498 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 505.6 m 498 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 505.6 m 573 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 491.6 m 498 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 41 477.6 m 194 477.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 41 463.6 m 194 463.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194 477.6 m 268 477.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 194 463.6 m 268 463.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268 477.6 m 325 477.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 268 463.6 m 325 463.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 477.6 m 386 477.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 325 463.6 m 386 463.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 477.6 m 445 477.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 386 463.6 m 445 463.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 477.6 m 498 477.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 445 463.6 m 498 463.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 477.6 m 498 463.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 477.6 m 573 477.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 498 463.6 m 573 463.6 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.85 638.86 Td (Net carrying) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 212.60 629.91 Td (amount at) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.60 639.00 Td (Net carrying) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.35 630.05 Td (amount at) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 43.50 593.85 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.25 603.06 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.50 594.06 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.95 603.05 Td (Acquisitions/) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.80 594.05 Td (divestitur) Tj ET Q q 0 0 0 rg BT 310.63 594.05 Td (es) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.25 594.05 Td (Amortization) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.00 594.05 Td (Impairments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.00 620.00 Td (FX ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.95 611.00 Td (translation ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.70 602.00 Td (and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.80 593.00 Td (other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.80 603.05 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.00 594.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 580.06 Td (Purchased credit card relationships) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 196.50 580.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.25 580.06 Td (1,332) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.50 580.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.50 580.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.50 580.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 580.05 Td (\(261) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.50 580.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.50 580.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.50 580.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.50 580.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.50 580.05 Td (15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.50 580.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.25 580.05 Td (1,086) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 566.06 Td (Core deposit intangibles) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.00 566.06 Td (132) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.50 566.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.50 566.05 Td (\(41) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.50 566.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.50 566.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.50 566.05 Td (\(10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 566.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 560.50 566.05 Td (81) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 552.06 Td (Other customer relationships) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.00 552.06 Td (248) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.50 552.05 Td () 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0 0 rg BT 441.50 496.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.50 496.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.50 496.05 Td (\(22) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.50 496.05 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.50 496.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.25 496.05 Td (3,721) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 43.50 482.06 Td (Mortgage servicing rights \(MSRs\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 167.24 486.14 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.25 482.06 Td (1,845) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.25 482.05 Td (1,781) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 43.50 468.05 Td (Total intangible assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 196.50 468.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.25 468.06 Td (6,411) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.50 468.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.25 468.05 Td (5,502) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 40.50 446.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 446.50 Td (For additional information on Citi) Tj ET Q q 0 0 0 rg BT 169.60 446.50 Td (s MSRs, including the rollforward from 2014 to 2015, see Note) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.69 446.50 Td (22) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 382.69 446.50 Td ( to the Consolidated Financial Statements.) 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585.75 m 204.5 585.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 165.5 571.75 m 204.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 204.5 585.75 m 243.5 585.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 204.5 571.75 m 243.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 243.5 585.75 m 283.5 585.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 243.5 571.75 m 283.5 571.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.50 703.15 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.50 703.01 Td (2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 668.00 Td (In millions of dollars) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 131.40 667.98 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 168.25 683.98 Td (Weighted) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 171.15 675.98 Td (average) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 172.05 667.98 Td (coupon) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.60 668.00 Td (Balance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.75 684.00 Td (Weighted) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 250.55 676.00 Td (average) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 251.20 668.00 Td (coupon) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 654.20 Td (Commercial paper) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 640.21 Td (Citibank, N.A.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 128.00 640.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 141.75 640.20 Td (9,995) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 179.25 640.20 Td (0.22) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.00 640.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.00 640.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.25 640.21 Td (16,085) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.75 640.21 Td (0.22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.50 640.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 626.21 Td (Non-bank and other) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 110.98 630.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 153.00 626.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 626.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 231.00 626.21 Td (70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.75 626.21 Td (0.95) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 613.15 Td (Total commercial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 604.15 Td (paper) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 128.00 604.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 141.75 604.20 Td (9,995) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 179.25 604.20 Td (0.22) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.00 604.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.00 604.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.25 604.21 Td (16,155) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.75 604.21 Td (0.23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.50 604.21 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 590.20 Td (Other) Tj ET Q q 0 0 0 rg BT 61.83 590.20 Td ( borr) Tj ET Q q 0 0 0 rg BT 81.41 590.20 Td (owings) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 107.92 594.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 137.25 590.20 Td (11,084) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 179.25 590.20 Td (1.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.25 590.21 Td (42,180) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.75 590.21 Td (0.53) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 576.20 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 128.00 576.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 137.25 576.20 Td (21,079) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.00 576.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.25 576.21 Td (58,335) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 553.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 553.05 Td (Includes parent holding company \(Citigroup Inc.\), Citi) Tj ET Q q 0 0 0 rg BT 231.30 553.05 Td (s broker) Tj ET Q q 0 0 0 rg BT 257.13 553.05 Td (-dealer ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 543.45 Td (subsidiaries and other non-bank subsidiaries that are consolidated into ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 533.85 Td (Citigroup Inc., as well as Banamex and Citibank \(Switzerland\) ) Tj ET Q q 0 0 0 rg BT 256.40 533.85 Td (AG.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 524.25 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 524.25 Td (Includes borrowings from the Federal Home Loan Banks and other ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 514.65 Td (market participants. ) Tj ET Q q 0 0 0 rg BT 119.09 514.65 Td (At ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 129.09 514.65 Td (December31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 191.96 514.65 Td (, collateralized short-term ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 505.05 Td (advances from the Federal Home Loan Banks were ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 220.16 505.05 Td ($1) Tj ET Q q 0 0 0 rg BT 227.86 505.05 Td (1.2 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.75 505.05 Td (. ) Tj ET Q q 0 0 0 rg BT 264.31 505.05 Td (At ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 495.45 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 116.87 495.45 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 120.87 495.45 Td (no) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 128.87 495.45 Td ( amounts were outstanding.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 471.45 Td (Borrowings under bank lines of credit may be at interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 459.45 Td (rates based on LIBOR, CD rates, the prime rate or bids ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 447.45 Td (submitted by the banks. Citigroup pays commitment fees for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 435.45 Td (its lines of credit.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 423.45 Td (Some of Citigroup) Tj ET Q q 0 0 0 rg BT 131.22 423.45 Td (s non-bank subsidiaries have credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 411.45 Td (facilities with Citigroup) Tj ET Q q 0 0 0 rg BT 134.32 411.45 Td (s subsidiary depository institutions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 399.45 Td (including Citibank. Borrowings under these facilities are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 387.45 Td (secured in accordance with Section 23A) Tj ET Q q 0 0 0 rg BT 196.22 387.45 Td ( of the Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 375.45 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 70.16 375.45 Td (Act.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 363.45 Td (Citigroup Global Markets Holdings Inc. \(CGMHI\) has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 351.45 Td (borrowing agreements consisting of facilities that CGMHI ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 339.45 Td (has been advised are available, but where no contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 327.45 Td (lending obligation exists. ) Tj ET Q q 0 0 0 rg BT 139.14 327.45 Td (These arrangements are reviewed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 315.45 Td (on an ongoing basis to ensure flexibility in meeting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 303.45 Td (CGMHI) Tj ET Q q 0 0 0 rg BT 72.11 303.45 Td (s short-term requirements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.25 730.25 Td (Long-T) Tj ET Q q 0 0 0 rg BT 348.56 730.25 Td (erm Debt) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 317.75 664.75 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.75 664.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 664.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.75 664.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.75 664.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.75 636.75 82.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.75 636.75 43.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 636.75 47.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.75 636.75 42.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.75 636.75 42.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.75 593.75 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.75 593.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 593.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.75 593.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.75 593.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.75 565.75 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.75 565.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 565.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.75 565.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.75 565.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.75 537.75 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.75 537.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 537.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.75 537.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.75 537.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.75 509.75 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.75 509.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 509.75 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.75 509.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.75 509.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.75 475.75 82.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.75 475.75 43.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.75 475.75 47.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.75 475.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.75 475.75 42.00 -23.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.75 696.75 m 531.75 696.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.75 696.75 m 573.75 696.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.75 664.75 m 399.75 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.75 664.75 m 442.75 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 664.75 m 489.75 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.75 696.75 m 531.75 696.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.75 664.75 m 531.75 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.75 696.75 m 573.75 696.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.75 664.75 m 573.75 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.75 664.75 m 399.75 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.75 664.75 m 442.75 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 664.75 m 489.75 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.75 664.75 m 531.75 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.75 664.75 m 573.75 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.75 523.75 m 399.75 523.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.75 523.75 m 442.75 523.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 523.75 m 489.75 523.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.75 523.75 m 531.75 523.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.75 523.75 m 573.75 523.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.75 523.75 m 399.75 523.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.75 509.75 m 399.75 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.75 523.75 m 442.75 523.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 399.75 509.75 m 442.75 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 523.75 m 489.75 523.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 509.75 m 489.75 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.75 523.75 m 531.75 523.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 489.75 509.75 m 531.75 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.75 523.75 m 573.75 523.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 531.75 509.75 m 573.75 509.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.75 509.75 m 399.75 509.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 399.75 509.75 m 442.75 509.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 509.75 m 489.75 509.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 489.75 509.75 m 531.75 509.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 531.75 509.75 m 573.75 509.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.75 452.75 m 442.75 452.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 452.75 m 489.75 452.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.75 452.75 m 531.75 452.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.75 452.75 m 573.75 452.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.75 452.75 m 399.75 452.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.75 438.75 m 399.75 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.75 452.75 m 442.75 452.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 399.75 438.75 m 442.75 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 452.75 m 489.75 452.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 442.75 438.75 m 489.75 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.75 452.75 m 531.75 452.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 489.75 438.75 m 531.75 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.75 452.75 m 573.75 452.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 531.75 438.75 m 573.75 438.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.35 710.20 Td (Balances at) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.05 701.20 Td (December) Tj ET Q q 0 0 0 rg BT 543.86 701.20 Td ( 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 320.25 669.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.45 687.20 Td (W) Tj ET Q q 0 0 0 rg BT 410.95 687.20 Td (eighted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.75 678.20 Td (average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.70 669.20 Td (coupon) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.50 669.20 Td (Maturities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.25 669.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 669.21 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.25 655.20 Td (Citigr) Tj ET Q q 0 0 0 rg BT 343.08 655.20 Td (oup Inc.) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 374.59 659.28 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 641.21 Td (Senior debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.50 641.21 Td (3.84) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.75 641.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 641.21 Td (2016-2098) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.25 641.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.60 641.20 Td (113,569) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 641.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.00 641.21 Td (122,323) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 621.21 Td (Subordinated debt) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 385.99 625.29 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.50 621.21 Td (4.48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 621.21 Td (2016-2044) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.10 621.20 Td (26,875) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 621.21 Td (25,464) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 607.21 Td (T) Tj ET Q q 0 0 0 rg BT 325.43 607.21 Td (rust preferred ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 598.21 Td ( securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.50 598.21 Td (6.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 598.21 Td (2036-2067) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.65 598.20 Td (1,713) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 598.21 Td (1,725) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.25 584.20 Td (Bank) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 340.76 588.28 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 570.21 Td (Senior debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.50 570.21 Td (1.58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 570.21 Td (2016-2038) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.10 570.20 Td (55,131) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 570.21 Td (65,146) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.25 556.20 Td (Br) Tj ET Q q 0 0 0 rg BT 330.08 556.20 Td (oker) Tj ET Q q 0 0 0 rg BT 347.25 556.20 Td (-dealer) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 374.23 560.28 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 542.21 Td (Senior debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.50 542.21 Td (3.25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 542.21 Td (2016-2042) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.65 542.20 Td (3,968) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 542.21 Td (8,399) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 528.21 Td (Subordinated debt) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 385.99 532.29 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.50 528.21 Td (1.18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.25 528.21 Td (2016-2037) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 518.90 528.20 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.25 528.21 Td (23) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.25 514.20 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.50 514.20 Td (3.32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.25 514.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.25 514.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.60 514.20 Td (201,275) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 514.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.00 514.21 Td (223,080) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 500.21 Td (Senior debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.25 500.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.60 500.20 Td (172,668) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 500.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.00 500.21 Td (195,868) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 480.21 Td (Subordinated debt) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 385.99 484.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.10 480.20 Td (26,894) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 480.21 Td (25,487) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 466.21 Td (T) Tj ET Q q 0 0 0 rg BT 325.43 466.21 Td (rust preferred ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.25 457.21 Td ( securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.65 457.20 Td (1,713) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 457.21 Td (1,725) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.25 443.20 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.25 443.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.60 443.20 Td (201,275) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 443.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.00 443.21 Td (223,080) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.25 420.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 420.05 Td (Parent holding company) Tj ET Q q 0 0 0 rg BT 412.94 420.05 Td (, CitigroupInc.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.25 410.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 410.45 Td (Includes notes that are subordinated within certain countries, regions ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 400.85 Td (or subsidiaries.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.25 391.25 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 391.25 Td (Represents Citibank entities as well as other bank entities. ) Tj ET Q q 0 0 0 rg BT 522.77 391.25 Td (At ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 381.65 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 398.12 381.65 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.67 381.65 Td (December31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.54 381.65 Td (, collateralized long-term ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 372.05 Td (advances from the Federal Home Loan Banks were ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.41 372.05 Td ($17.8 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 542.30 372.05 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 362.45 Td ($19.8 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 376.14 362.45 Td (, respectively) Tj ET Q q 0 0 0 rg BT 418.27 362.45 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.25 352.85 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 352.85 Td (Represents broker) Tj ET Q q 0 0 0 rg BT 393.07 352.85 Td (-dealer subsidiaries that are consolidated into ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 343.25 Td (CitigroupInc., the parent holding company) Tj ET Q q 0 0 0 rg BT 473.14 343.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.25 319.25 Td (The Company issues both fixed and variable rate debt in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 307.25 Td (a range of currencies. It uses derivative contracts, primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 295.25 Td (interest rate swaps, to ef) Tj ET Q q 0 0 0 rg BT 413.98 295.25 Td (fectively convert a portion of its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 283.25 Td (fixed-rate debt to variable-rate debt and variable-rate debt to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 271.25 Td (fixed-rate debt. ) Tj ET Q q 0 0 0 rg BT 380.65 271.25 Td (The maturity structure of the derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 259.25 Td (generally corresponds to the maturity structure of the debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 247.25 Td (being hedged. In addition, the Company uses other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 235.25 Td (derivative contracts to manage the foreign exchange impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 223.25 Td (of certain debt issuances. ) Tj ET Q q 0 0 0 rg BT 419.72 223.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.22 223.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.80 223.25 Td (, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 211.25 Td (Company) Tj ET Q q 0 0 0 rg BT 358.92 211.25 Td (s overall weighted average interest rate for long-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 199.25 Td (term debt was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.84 199.25 Td (3.32%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.67 199.25 Td ( on a contractual basis and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.97 199.25 Td (2.55%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.80 199.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.25 187.25 Td (including the ef) Tj ET Q q 0 0 0 rg BT 379.83 187.25 Td (fects of derivative contracts.) Tj ET Q endstream endobj 441 0 obj <> endobj 442 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (218) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (Aggregate annual maturities of long-term debt obligations \(based on final maturity dates\) including trust preferred securities are as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 704.60 135.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 171.50 704.60 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 704.60 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 704.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 704.60 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 704.60 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 704.60 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 704.60 53.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 674.60 135.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 171.50 674.60 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 674.60 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 674.60 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 674.60 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 674.60 56.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 674.60 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 674.60 53.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 704.6 m 171.5 704.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 171.5 704.6 m 227.5 704.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 704.6 m 284.5 704.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 704.6 m 339.5 704.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 704.6 m 396.5 704.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 704.6 m 452.5 704.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 704.6 m 509.5 704.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 704.6 m 562.5 704.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 659.6 m 171.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 171.5 659.6 m 227.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 659.6 m 284.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 659.6 m 339.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 659.6 m 396.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 659.6 m 452.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 659.6 m 509.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 659.6 m 562.5 659.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 644.6 m 171.5 644.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 171.5 644.6 m 227.5 644.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 644.6 m 284.5 644.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 644.6 m 339.5 644.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 644.6 m 396.5 644.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 644.6 m 452.5 644.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 644.6 m 509.5 644.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 644.6 m 562.5 644.6 l s BT /F3 9.00 Tf ET q 0 0 0 rg BT 39.00 709.05 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.00 709.05 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.00 709.05 Td (2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.00 709.05 Td (2018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.00 709.05 Td (2019) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.00 709.05 Td (2020) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.80 709.05 Td (Thereafter) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.30 709.05 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 694.06 Td (Bank) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 174.00 694.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 199.25 694.06 Td (24,577) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 694.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.25 694.06 Td (14,614) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.00 694.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.75 694.06 Td (9,341) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.00 694.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 694.06 Td (2,280) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 694.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.50 694.06 Td (448) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 694.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.75 694.06 Td (3,871) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 694.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 694.06 Td (55,131) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 679.06 Td (Broker-dealer) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.50 679.06 Td (951) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.50 679.06 Td (294) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.50 679.06 Td (806) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 679.06 Td (640) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.50 679.06 Td (103) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.75 679.06 Td (1,193) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 679.06 Td (3,987) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 664.06 Td (Citigroup Inc.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 199.25 664.06 Td (18,009) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 256.25 664.06 Td (19,437) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.25 664.06 Td (21,269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 664.06 Td (16,233) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.75 664.06 Td (8,826) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 664.06 Td (58,383) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 664.06 Td (142,157) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 649.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 174.00 649.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.25 649.05 Td (43,537) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.00 649.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.25 649.05 Td (34,345) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.00 649.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.25 649.05 Td (31,416) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.00 649.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.25 649.05 Td (19,153) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.00 649.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.75 649.05 Td (9,377) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.00 649.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 649.05 Td (63,447) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.00 649.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 649.05 Td (201,275) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 609.10 Td (The following table summarizes the Company) Tj ET Q q 0 0 0 rg BT 224.01 609.10 Td (s outstanding trust preferred securities at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.96 609.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.55 609.10 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 519.60 102.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 138.50 519.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 519.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 519.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 519.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 519.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 519.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 519.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 519.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 488.60 102.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 138.50 488.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 488.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 488.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 488.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 488.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 373.50 488.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 488.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 488.60 73.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 573.6 m 426.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 573.6 m 489.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 573.6 m 562.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 532.6 m 138.5 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 532.6 m 183.5 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 532.6 m 232.5 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 532.6 m 284.5 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 532.6 m 328.5 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 532.6 m 373.5 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 573.6 m 426.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 532.6 m 426.5 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 532.6 m 489.5 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 532.6 m 562.5 532.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 519.6 m 138.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 519.6 m 183.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 519.6 m 232.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 519.6 m 284.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 519.6 m 328.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 519.6 m 373.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 519.6 m 426.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 519.6 m 489.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 519.6 m 562.5 519.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 474.6 m 138.5 474.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 474.6 m 183.5 474.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 474.6 m 232.5 474.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 474.6 m 284.5 474.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 474.6 m 328.5 474.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 474.6 m 373.5 474.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 474.6 m 426.5 474.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 474.6 m 489.5 474.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 474.6 m 562.5 474.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 460.6 m 138.5 460.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 138.5 460.6 m 183.5 460.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 460.6 m 232.5 460.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 460.6 m 284.5 460.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 460.6 m 328.5 460.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 460.6 m 373.5 460.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 373.5 460.6 m 426.5 460.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 460.6 m 489.5 460.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 460.6 m 562.5 460.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 578.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 141.00 578.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 186.00 578.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 235.00 578.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.00 578.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 578.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 376.00 578.05 Td (Junior subordinated debentures owned by trust) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 537.05 Td (Trust) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 143.95 546.05 Td (Issuance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 152.25 537.05 Td (date) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 188.75 546.05 Td (Securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.70 537.05 Td (issued) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 235.20 546.05 Td (Liquidation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.30 537.05 Td (value) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 264.80 541.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.70 546.05 Td (Coupon) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.80 537.05 Td (rate) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 310.29 541.13 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.75 564.05 Td (Common) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.30 555.05 Td (shar) Tj ET Q q 0 0 0 rg BT 355.14 555.05 Td (es) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.70 546.05 Td (issued) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.95 537.05 Td (to par) Tj ET Q q 0 0 0 rg BT 356.03 537.05 Td (ent) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.70 537.05 Td (Amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.00 537.05 Td (Maturity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.00 555.05 Td (Redeemable) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.45 546.05 Td (by issuer) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.45 537.05 Td (beginning) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 39.00 523.85 Td ( ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 41.00 523.85 Td (In millions of dollars, except shar) Tj ET Q q 0 0 0 rg BT 148.70 523.85 Td (e amounts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 510.06 Td (Citigroup Capital III) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 143.00 510.06 Td (Dec. 1996) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 199.75 510.06 Td (194,053) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 235.00 510.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.50 510.06 Td (194) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.25 510.06 Td (7.625) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.50 510.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.75 510.06 Td (6,003) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.00 510.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.50 510.06 Td (200) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 510.06 Td (Dec.1, 2036) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.75 510.06 Td (Not redeemable) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 493.06 Td (Citigroup Capital XIII) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 141.45 493.06 Td (Sept. 2010) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 188.50 493.06 Td (89,840,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.75 493.06 Td (2,246) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.25 493.06 Td (7.875) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.75 493.06 Td (1,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.75 493.06 Td (2,246) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.00 493.06 Td (Oct.30, 2040) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 493.06 Td (Oct.30, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 479.06 Td (Citigroup Capital XVIII) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 143.25 479.06 Td (June 2007) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 204.25 479.06 Td (99,901) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.50 479.06 Td (148) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.25 479.06 Td (6.829) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.00 479.06 Td (50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.50 479.06 Td (148) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.75 479.06 Td (June28, 2067) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 479.06 Td (June28, 2017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 465.05 Td (Total obligated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 180.00 465.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.00 465.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 235.00 465.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.75 465.05 Td (2,588) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 465.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 376.00 465.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.75 465.05 Td (2,594) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 465.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 465.06 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 441.90 Td (Note: Distributions on the trust preferred securities and interest on the subordinated debentures are payable semiannually for Citigroup Capital III and Citigroup ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 432.30 Td (Capital XVIII and quarterly for Citigroup Capital XIII.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 422.70 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 422.70 Td (Represents the notional value received by investors from the trusts at the time of issuance.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 413.10 Td (In each case, the coupon rate on the subordinated debentures is the same as that on the trust preferred securities. ) Tj ET Q endstream endobj 443 0 obj <> endobj 444 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (219) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (19. REGULA) Tj ET Q q 0 0 0 rg BT 93.04 749.25 Td (T) Tj ET Q q 0 0 0 rg BT 99.53 749.25 Td (OR) Tj ET Q q 0 0 0 rg BT 114.18 749.25 Td (Y) Tj ET Q q 0 0 0 rg BT 121.03 749.25 Td ( CAPIT) Tj ET Q q 0 0 0 rg BT 153.90 749.25 Td (AL) Tj ET Q q 0 0 0 rg BT 167.24 749.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (Citigroup is subject to risk-based capital and leverage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (standards issued by the Federal Reserve Board. Citi) Tj ET Q q 0 0 0 rg BT 245.40 713.25 Td (s U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (insured depository institution subsidiaries, including Citibank, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (are subject to similar standards issued by their respective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (primary federal bank regulatory agencies. ) Tj ET Q q 0 0 0 rg BT 205.18 677.25 Td (These standards are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (used to evaluate capital adequacy and include the required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (minimums shown in the following table. ) Tj ET Q q 0 0 0 rg BT 200.53 653.25 Td (The regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (agencies are required by law to take specific prompt actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (with respect to institutions that do not meet minimum capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (standards.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 725.10 Td () Tj ET Q q 0 0 0 rg BT 344.32 725.10 Td (The following table sets forth Citigroup) Tj ET Q q 0 0 0 rg BT 506.24 725.10 Td (s and Citibank) Tj ET Q q 0 0 0 rg BT 566.79 725.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (regulatory capital tiers, total risk-weighted assets, quarterly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (adjusted average total assets, ) Tj ET Q q 0 0 0 rg BT 441.83 701.10 Td (T) Tj ET Q q 0 0 0 rg BT 447.24 701.10 Td (otal Leverage Exposure, risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (based capital ratios and leverage ratios in accordance with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (current regulatory standards \(reflecting Basel III ) Tj ET Q q 0 0 0 rg BT 519.84 677.10 Td (T) Tj ET Q q 0 0 0 rg BT 525.60 677.10 Td (ransition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (Arrangements\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.00 629.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 555.75 240.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 555.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 555.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 555.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 555.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 555.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 523.75 240.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 523.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 523.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 523.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 523.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 523.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 491.75 240.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 491.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 491.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 491.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 491.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 491.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 459.75 240.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 459.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 459.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 459.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 459.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 459.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 427.75 240.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 275.50 427.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 427.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 427.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 427.75 60.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 427.75 60.00 -16.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 602.75 m 395.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 602.75 m 455.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 571.75 m 275.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 571.75 m 335.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 571.75 m 395.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 571.75 m 455.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 602.75 m 455.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 602.75 m 515.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 571.75 m 515.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 602.75 m 575.5 602.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 571.75 m 575.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 571.75 m 455.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 571.75 m 455.5 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 555.75 m 455.5 539.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 539.75 m 455.5 523.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 523.75 m 455.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 507.75 m 455.5 491.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 475.75 m 275.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 475.75 m 335.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 475.75 m 395.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 475.75 m 455.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 491.75 m 455.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 475.75 m 515.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 475.75 m 575.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 475.75 m 455.5 459.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 475.75 m 515.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 459.75 m 455.5 443.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 443.75 m 455.5 427.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 427.75 m 455.5 411.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 395.75 m 275.5 395.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 275.5 395.75 m 335.5 395.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 395.75 m 395.5 395.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 395.75 m 455.5 395.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 411.75 m 455.5 395.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 395.75 m 515.5 395.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 395.75 m 575.5 395.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 576.00 Td (Inmillionsofdollars, except ratios) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.75 585.20 Td (Stated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 286.20 576.20 Td (minimum) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 376.30 607.20 Td (Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.95 607.20 Td (Citibank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.25 594.15 Td (W) Tj ET Q q 0 0 0 rg BT 364.75 594.15 Td (ell) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.25 585.15 Td (capitalized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.20 576.15 Td (minimum) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.80 585.20 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.00 576.20 Td (2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.25 594.15 Td (W) Tj ET Q q 0 0 0 rg BT 484.75 594.15 Td (ell) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.25 585.15 Td (capitalized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.80 576.15 Td (minimum) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 500.30 580.23 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 518.80 585.20 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 536.00 576.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 560.21 Td (Common Equity Tier 1 Capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 560.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 560.21 Td () Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 398.00 560.09 Td ($) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 418.85 560.09 Td (173,862) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 560.21 Td () Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 518.00 560.09 Td ($) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 538.85 560.09 Td (126,496) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 544.21 Td (Tier 1 Capital) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 544.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 544.21 Td () Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 418.85 544.09 Td (176,420) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 544.21 Td () Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 538.85 544.09 Td (126,496) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 528.21 Td (T) Tj ET Q q 0 0 0 rg BT 42.87 528.21 Td (otal Capital) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 84.61 532.29 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.07 528.21 Td (\(T) Tj ET Q q 0 0 0 rg BT 94.25 528.21 Td (ier 1 Capital + ) Tj ET Q q 0 0 0 rg BT 148.15 528.21 Td (T) Tj ET Q q 0 0 0 rg BT 153.33 528.21 Td (ier 2 Capital\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 332.00 528.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 528.21 Td () Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 418.85 528.09 Td (198,746) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 528.21 Td () Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 538.85 528.09 Td (148,916) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 512.21 Td (Total risk-weighted assets) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 412.50 512.09 Td (1,190,853) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 538.85 512.09 Td (998,181) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 496.21 Td (Quarterly adjusted average total assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 176.45 500.29 Td (\(2\)) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 412.50 496.09 Td (1,732,933) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 532.50 496.09 Td (1,297,733) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 480.21 Td (T) Tj ET Q q 0 0 0 rg BT 42.87 480.21 Td (otal Leverage Exposure) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 128.33 484.29 Td (\(3\)) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 412.50 480.09 Td (2,326,072) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 532.50 480.09 Td (1,838,114) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 464.21 Td (Common Equity ) Tj ET Q q 0 0 0 rg BT 99.84 464.21 Td (T) Tj ET Q q 0 0 0 rg BT 105.02 464.21 Td (ier 1 Capital ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 168.25 468.29 Td (\(4\)) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 315.85 464.09 Td (4.5) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 326.50 464.09 Td (%) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 369.30 464.09 Td ( N/A) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 427.35 464.09 Td (14.60) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 446.50 464.09 Td (%) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 495.85 464.09 Td (6.5) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 506.50 464.09 Td (%) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 547.35 464.09 Td (12.67) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 566.50 464.09 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 448.21 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 448.21 Td (ier 1 Capital ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 106.41 452.29 Td (\(4\)) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 315.85 448.09 Td (6.0) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 375.85 448.09 Td (6.0) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 386.50 448.09 Td (%) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 427.35 448.09 Td (14.81) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 495.85 448.09 Td (8.0) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 547.35 448.09 Td (12.67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 432.21 Td (T) Tj ET Q q 0 0 0 rg BT 42.87 432.21 Td (otal Capital ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 103.35 436.29 Td (\(4\)) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 315.85 432.09 Td (8.0) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 371.60 432.09 Td (10.0) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 427.35 432.09 Td (16.69) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 491.60 432.09 Td (10.0) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 547.35 432.09 Td (14.92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 416.21 Td (Tier 1 Leverage ratio) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 315.85 416.09 Td (4.0) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 377.80 416.09 Td (N/A) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 427.35 416.09 Td (10.18) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 495.85 416.09 Td (5.0) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 551.60 416.09 Td (9.75) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 400.21 Td (Supplementary Leverage ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 146.95 404.29 Td (\(5\)) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 317.80 400.09 Td (N/A) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 377.80 400.09 Td (N/A) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 431.60 400.09 Td (7.58) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 497.80 400.09 Td (N/A) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 551.60 400.09 Td (6.88) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 377.05 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 377.05 Td (Beginning January 1, 2015, an insured depository institution, such as Citibank, must maintain minimum Common Equity ) Tj ET Q q 0 0 0 rg BT 444.05 377.05 Td (T) Tj ET Q q 0 0 0 rg BT 448.66 377.05 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 492.05 377.05 Td (T) Tj ET Q q 0 0 0 rg BT 496.66 377.05 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 540.06 377.05 Td (T) Tj ET Q q 0 0 0 rg BT 544.39 377.05 Td (otal ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 367.45 Td (Capital, and ) Tj ET Q q 0 0 0 rg BT 94.51 367.45 Td (T) Tj ET Q q 0 0 0 rg BT 99.12 367.45 Td (ier 1 Leverage ratios of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 175.75 367.45 Td (6.5%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 192.41 367.45 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 196.41 367.45 Td (8%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 207.07 367.45 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 211.07 367.45 Td (10%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 225.74 367.45 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 241.29 367.45 Td (5%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 251.95 367.45 Td (, respectively) Tj ET Q q 0 0 0 rg BT 294.08 367.45 Td (, to be considered well capitalized.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 357.85 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 357.85 Td (T) Tj ET Q q 0 0 0 rg BT 58.61 357.85 Td (ier 1 Leverage ratio denominator) Tj ET Q q 0 0 0 rg BT 163.45 357.85 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 348.25 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 348.25 Td (Supplementary Leverage ratio denominator) Tj ET Q q 0 0 0 rg BT 192.84 348.25 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 338.65 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 338.65 Td (As of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 73.55 338.65 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 136.42 338.65 Td (, Citigroup) Tj ET Q q 0 0 0 rg BT 173.31 338.65 Td (s reportable Common Equity ) Tj ET Q q 0 0 0 rg BT 267.82 338.65 Td (T) Tj ET Q q 0 0 0 rg BT 272.43 338.65 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 315.82 338.65 Td (T) Tj ET Q q 0 0 0 rg BT 320.43 338.65 Td (ier 1 Capital, and ) Tj ET Q q 0 0 0 rg BT 377.38 338.65 Td (T) Tj ET Q q 0 0 0 rg BT 381.71 338.65 Td (otal Capital ratios were the lower derived under the Basel III ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 329.05 Td (Advanced ) Tj ET Q q 0 0 0 rg BT 87.99 329.05 Td (Approaches framework. ) Tj ET Q q 0 0 0 rg BT 166.85 329.05 Td (As of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 186.40 329.05 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 249.27 329.05 Td (, Citibank) Tj ET Q q 0 0 0 rg BT 283.05 329.05 Td (s reportable Common Equity ) Tj ET Q q 0 0 0 rg BT 377.55 329.05 Td (T) Tj ET Q q 0 0 0 rg BT 382.16 329.05 Td (ier 1 Capital, ) Tj ET Q q 0 0 0 rg BT 425.56 329.05 Td (T) Tj ET Q q 0 0 0 rg BT 430.16 329.05 Td (ier 1 Capital, and ) Tj ET Q q 0 0 0 rg BT 487.11 329.05 Td (T) Tj ET Q q 0 0 0 rg BT 491.44 329.05 Td (otal Capital ratios were ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 319.45 Td (the lower derived under the Basel III Standardized ) Tj ET Q q 0 0 0 rg BT 217.05 319.45 Td (Approach framework.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 309.85 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 309.85 Td (Commencing with 2015, Citi and Citibank are required to publicly disclose their Supplementary Leverage ratios. Beginning on January 1, 2018, Citi and Citibank ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 300.25 Td (will be required to maintain a stated minimum Supplementary Leverage ratio of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 311.70 300.25 Td (3%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 322.36 300.25 Td (, and Citibank will be required to maintain a Supplementary Leverage ratio of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 290.65 Td (6%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 64.66 290.65 Td ( to be considered well capitalized.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 281.05 Td (N/A) Tj ET Q q 0 0 0 rg BT 49.34 281.05 Td ( Not ) Tj ET Q q 0 0 0 rg BT 66.89 281.05 Td (Applicable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 259.45 Td (As indicated in the table above, Citigroup and Citibank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 247.45 Td (were well capitalized under the current federal bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 235.45 Td (regulatory definitions as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.53 235.45 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.11 235.45 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 211.45 Td (Banking SubsidiariesConstraints on Dividends) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 199.45 Td (There are various legal limitations on the ability of Citigroup) Tj ET Q q 0 0 0 rg BT 282.88 199.45 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 187.45 Td (subsidiary depository institutions to extend credit, pay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 175.45 Td (dividends or otherwise supply funds to Citigroup and its non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 163.45 Td (bank subsidiaries. ) Tj ET Q q 0 0 0 rg BT 109.97 163.45 Td (The approval of the Of) Tj ET Q q 0 0 0 rg BT 201.42 163.45 Td (fice of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 151.45 Td (Comptroller of the Currency is required if total dividends ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 139.45 Td (declared in any calendar year exceed amounts specified by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 127.45 Td (applicable agency) Tj ET Q q 0 0 0 rg BT 110.68 127.45 Td (s regulations. State-chartered depository ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 115.45 Td (institutions are subject to dividend limitations imposed by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 103.45 Td (applicable state law) Tj ET Q q 0 0 0 rg BT 114.20 103.45 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 91.45 Td (In determining the dividends, each depository institution ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 79.45 Td (must also consider its ef) Tj ET Q q 0 0 0 rg BT 132.47 79.45 Td (fect on applicable risk-based capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 67.45 Td (and leverage ratio requirements, as well as policy statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 55.45 Td (of the federal regulatory agencies that indicate that banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 259.45 Td (or) Tj ET Q q 0 0 0 rg BT 332.15 259.45 Td (ganizations should generally pay dividends out of current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 247.45 Td (operating earnings. Citigroup received ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.34 247.45 Td ($13.5 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.45 247.45 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.89 247.45 Td ($8.9 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 235.45 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.11 235.45 Td ( in dividends from Citibank during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.77 235.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.77 235.45 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.21 235.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.21 235.45 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 223.45 Td (respectively) Tj ET Q q 0 0 0 rg BT 371.66 223.45 Td (.) Tj ET Q endstream endobj 445 0 obj <> endobj 446 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (220) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (20.CHANGES IN ) Tj ET Q q 0 0 0 rg BT 121.01 749.25 Td (ACCUMULA) Tj ET Q q 0 0 0 rg BT 179.71 749.25 Td (TED OTHER COMPREHENSIVE INCOME \(LOSS\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 729.25 Td (Changes in each component of Citigroup) Tj ET Q q 0 0 0 rg BT 202.91 729.25 Td (s ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 209.30 729.25 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 312.79 729.25 Td (ehensive income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.31 729.25 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 651.75 200.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 651.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.50 651.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 651.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 651.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 651.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 623.75 200.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 623.75 68.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.50 623.75 67.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 623.75 68.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 623.75 68.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 623.75 69.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 586.75 200.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 586.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.50 586.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 586.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 586.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 586.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 558.75 200.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 558.75 68.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.50 558.75 67.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 558.75 68.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 558.75 68.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 558.75 69.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 521.75 200.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 521.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.50 521.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 521.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 521.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 521.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 493.75 200.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 493.75 68.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.50 493.75 67.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 493.75 68.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 493.75 68.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 493.75 69.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 458.75 200.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 458.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.50 458.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 458.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 458.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 458.75 69.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 651.75 m 235.5 651.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 651.75 m 235.5 651.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 651.75 m 303.5 651.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 651.75 m 370.5 651.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 651.75 m 438.5 651.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 651.75 m 506.5 651.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 651.75 m 575.5 651.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 600.75 m 235.5 600.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 600.75 m 303.5 600.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 600.75 m 370.5 600.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 600.75 m 438.5 600.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 600.75 m 506.5 600.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 600.75 m 575.5 600.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 600.75 m 235.5 600.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 586.75 m 235.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 600.75 m 303.5 600.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 586.75 m 303.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 600.75 m 370.5 600.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 586.75 m 370.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 600.75 m 438.5 600.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 586.75 m 438.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 600.75 m 506.5 600.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 586.75 m 506.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 600.75 m 575.5 600.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 586.75 m 575.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 586.75 m 235.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 572.75 m 235.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 586.75 m 303.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 572.75 m 303.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 586.75 m 370.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 572.75 m 370.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 586.75 m 438.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 572.75 m 438.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 586.75 m 506.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 572.75 m 506.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 586.75 m 575.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 572.75 m 575.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 572.75 m 235.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 535.75 m 235.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 535.75 m 303.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 535.75 m 370.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 535.75 m 438.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 535.75 m 506.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 535.75 m 575.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 521.75 m 235.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 521.75 m 303.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 521.75 m 370.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 521.75 m 438.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 521.75 m 506.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 521.75 m 575.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 521.75 m 235.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 507.75 m 235.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 521.75 m 303.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 507.75 m 303.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 521.75 m 370.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 507.75 m 370.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 521.75 m 438.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 507.75 m 438.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 521.75 m 506.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 507.75 m 506.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 521.75 m 575.5 521.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 507.75 m 575.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 507.75 m 506.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 472.75 m 235.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 472.75 m 303.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 472.75 m 370.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 472.75 m 438.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 472.75 m 506.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 472.75 m 575.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 458.75 m 235.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 458.75 m 303.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 458.75 m 370.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 458.75 m 438.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 458.75 m 506.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 458.75 m 575.5 458.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 444.75 m 235.5 444.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 444.75 m 303.5 444.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 444.75 m 370.5 444.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 444.75 m 438.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 458.75 m 506.5 458.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 444.75 m 506.5 444.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 444.75 m 575.5 444.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 656.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.25 692.20 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.80 683.20 Td (unrealized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.10 674.20 Td (gains \(losses\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.10 665.20 Td (on investment) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.00 656.20 Td (securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.35 665.20 Td (Cash flow ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.05 656.20 Td (hedges) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 346.05 660.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.45 656.20 Td (Benefit plans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 425.71 660.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.05 701.20 Td (For) Tj ET Q q 0 0 0 rg BT 470.88 701.20 Td (eign) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.80 692.20 Td (curr) Tj ET Q q 0 0 0 rg BT 471.63 692.20 Td (ency) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.95 683.20 Td (translation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.20 674.20 Td (adjustment ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.70 665.20 Td (\(CT) Tj ET Q q 0 0 0 rg BT 461.53 665.20 Td (A\), net of ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.15 656.20 Td (hedges) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 478.15 660.28 Td (\(3\)\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 683.20 Td (Accumulated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 530.30 674.20 Td (other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.80 665.20 Td (comprehensive) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.60 656.20 Td (income \(loss\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 642.21 Td (Balance, December 31, 2012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 642.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.50 642.21 Td (597) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 642.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.75 642.21 Td (\(2,293) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 642.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 642.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 642.21 Td (\(5,270) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 642.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 642.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 642.21 Td (\(9,930) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 642.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 642.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.25 642.21 Td (\(16,896) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 642.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 628.21 Td (Change, net of taxes) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 111.48 632.29 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.75 628.21 Td (\(1,962) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 628.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 628.21 Td (512) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 628.21 Td (1,098) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 628.21 Td (\(2,534) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 628.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 628.21 Td (\(2,886) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 628.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 614.21 Td (Increase \(decrease\) due to amounts reclassified from ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 605.21 Td ( ) Tj ET Q q 0 0 0 rg BT 42.00 605.21 Td (AOCI) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 64.00 609.29 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.50 605.21 Td (\(275) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 605.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 605.21 Td (536) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 605.21 Td (183) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 605.21 Td (205) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 605.21 Td (649) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 591.21 Td (Change, net of taxes) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 111.48 595.29 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 591.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.75 591.21 Td (\(2,237) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 591.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 591.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 591.21 Td (1,048) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 591.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 591.21 Td (1,281) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 591.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 591.21 Td (\(2,329) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 591.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 591.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 591.21 Td (\(2,237) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 591.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 577.21 Td (Balance, December 31, 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 577.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 276.75 577.21 Td (\(1,640) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 577.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 577.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.75 577.21 Td (\(1,245) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 577.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 577.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 577.21 Td (\(3,989) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 577.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 577.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 577.21 Td (\(12,259) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 577.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 577.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.25 577.21 Td (\(19,133) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 577.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 563.21 Td (Other comprehensive income before reclassifications) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 563.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 279.75 563.21 Td (1,790) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 563.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.00 563.21 Td (85) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 563.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 563.21 Td (\(1,346) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 563.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 563.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 563.21 Td (\(4,946) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 563.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 563.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 563.21 Td (\(4,417) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 563.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 549.21 Td (Increase \(decrease\) due to amounts reclassified from ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 540.21 Td ( ) Tj ET Q q 0 0 0 rg BT 42.00 540.21 Td (AOCI) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 64.00 544.29 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.00 540.21 Td (\(93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 540.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 540.21 Td (251) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 540.21 Td (176) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 540.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 540.21 Td (334) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 526.21 Td (Change, net of taxes) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 111.48 530.29 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 526.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 279.75 526.21 Td (1,697) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 526.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 526.21 Td (336) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 526.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 526.21 Td (\(1,170) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 526.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 526.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 526.21 Td (\(4,946) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 526.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 526.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 526.21 Td (\(4,083) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 526.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 512.21 Td (Balance, December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 512.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.00 512.21 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 512.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.50 512.21 Td (\(909) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 512.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 512.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 512.21 Td (\(5,159) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 512.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 512.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 512.21 Td (\(17,205) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 512.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 512.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.25 512.21 Td (\(23,216) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 512.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 498.21 Td (Other comprehensive income before reclassifications) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 498.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.50 498.21 Td (\(695) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 498.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 498.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.00 498.21 Td (83) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 498.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.50 498.21 Td (\(143) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 498.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 498.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 498.21 Td (\(5,465) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 498.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 498.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 498.21 Td (\(6,220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 498.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 485.01 Td (Increase \(decrease\) due to amounts reclassified from ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 476.01 Td ( ) Tj ET Q q 0 0 0 rg BT 42.00 476.01 Td (AOCI) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.50 477.21 Td (\(269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 477.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 477.21 Td (209) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 477.21 Td (186) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 477.21 Td (\(34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 477.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 477.21 Td (92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 463.21 Td (Change, net of taxes) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 111.48 467.29 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 463.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.50 463.21 Td (\(964) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 463.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 463.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 463.21 Td (292) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.00 463.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 463.21 Td (43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 463.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 463.21 Td (\(5,499) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 463.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 463.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 463.21 Td (\(6,128) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 463.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 449.20 Td (Balance at December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.00 449.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.50 449.20 Td (\(907) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.00 449.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 449.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.50 449.20 Td (\(617) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.00 449.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 449.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 449.20 Td (\(5,116) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.00 449.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 449.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 449.20 Td (\(22,704) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.00 449.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.00 449.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.25 449.20 Td (\(29,344) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 449.20 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 427.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 427.65 Td (Primarily driven by Citigroup) Tj ET Q q 0 0 0 rg BT 151.55 427.65 Td (s pay fixed/receive floating interest rate swap programs that hedge the floating rates on liabilities.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 418.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 418.05 Td (Primarily reflects adjustments based on the quarterly actuarial valuations of the Company) Tj ET Q q 0 0 0 rg BT 343.03 418.05 Td (s significant pension and postretirement plans, annual actuarial ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 408.45 Td (valuations of all other plans, and amortization of amounts previously recognized in other comprehensive income. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 398.85 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 398.85 Td (Primarily reflects the movements in \(by order of impact\) the Mexican peso, Brazilian real, Korean won and Euro against the U.S. dollar) Tj ET Q q 0 0 0 rg BT 488.43 398.85 Td (, and changes in related tax ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 389.25 Td (ef) Tj ET Q q 0 0 0 rg BT 60.07 389.25 Td (fects and hedges for the year ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 174.91 389.25 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 237.77 389.25 Td (. Primarily reflects the movements in \(by order of impact\) the Mexican peso, Euro, Japanese yen, and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 379.65 Td (Russian ruble against the U.S. dollar) Tj ET Q q 0 0 0 rg BT 170.77 379.65 Td (, and changes in related tax ef) Tj ET Q q 0 0 0 rg BT 265.92 379.65 Td (fects and hedges for the year ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 380.75 379.65 Td (December31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.62 379.65 Td (. Primarily reflects the movements in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 370.05 Td (\(by order of impact\) the Japanese yen, Mexican peso, ) Tj ET Q q 0 0 0 rg BT 226.61 370.05 Td (Australian dollar and Indian rupee against the U.S. dollar) Tj ET Q q 0 0 0 rg BT 409.34 370.05 Td (, and changes in related tax ef) Tj ET Q q 0 0 0 rg BT 504.49 370.05 Td (fects and hedges for ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 360.45 Td (the year ended ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 102.64 360.45 Td (December31, 2013) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.51 360.45 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 350.85 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 350.85 Td (During 2014, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 98.66 350.85 Td ($137 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 139.78 350.85 Td ( \() Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 144.44 350.85 Td ($84 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 181.55 350.85 Td ( net of tax\) was reclassified to reflect the allocation of FX translation between net unrealized gains \(losses\) on investment ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 341.25 Td (securities to foreign currency translation adjustment \(CT) Tj ET Q q 0 0 0 rg BT 234.64 341.25 Td (A\). ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 331.65 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 331.65 Td (On December 20, 2013, the sale of Credicard was completed \(see Note 2 to the Consolidated Financial Statements\). ) Tj ET Q q 0 0 0 rg BT 426.86 331.65 Td (The total impact to the gross CT) Tj ET Q q 0 0 0 rg BT 529.75 331.65 Td (A) Tj ET Q q 0 0 0 rg BT 535.09 331.65 Td ( \(net CT) Tj ET Q q 0 0 0 rg BT 561.11 331.65 Td (A) Tj ET Q q 0 0 0 rg BT 566.45 331.65 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 322.05 Td (including hedges\) was a pretax loss of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 178.19 322.05 Td ($314 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 219.30 322.05 Td ( \() Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 223.97 322.05 Td ($205 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.08 322.05 Td ( net of tax\). ) Tj ET Q endstream endobj 447 0 obj <> endobj 448 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (221) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (The pretax and after) Tj ET Q q 0 0 0 rg BT 116.59 749.10 Td (-tax changes in each component of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 258.20 749.10 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 361.69 749.10 Td (ehensive income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.21 749.10 Td ( are as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 716.60 348.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 716.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 716.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 716.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 690.60 348.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 690.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 690.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 690.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 664.60 348.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 664.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 664.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 664.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 638.60 348.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 638.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 638.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 638.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 612.60 348.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 612.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 612.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 612.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 586.60 348.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 586.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 586.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 586.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 560.60 348.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 560.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 560.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 560.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 534.60 348.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 534.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 534.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 534.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 508.60 348.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 508.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 508.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 508.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 482.60 348.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 482.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 482.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 482.60 64.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 716.6 m 383.5 716.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 716.6 m 447.5 716.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 716.6 m 511.5 716.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 716.6 m 575.5 716.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 716.6 m 383.5 716.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 716.6 m 447.5 716.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 716.6 m 511.5 716.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 716.6 m 575.5 716.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 651.6 m 383.5 651.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 651.6 m 447.5 651.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 651.6 m 511.5 651.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 651.6 m 575.5 651.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 638.6 m 383.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 638.6 m 447.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 638.6 m 511.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 638.6 m 575.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 638.6 m 383.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 638.6 m 447.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 638.6 m 511.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 638.6 m 575.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 573.6 m 383.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 573.6 m 447.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 573.6 m 511.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 573.6 m 575.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 560.6 m 383.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 573.6 m 447.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 560.6 m 447.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 573.6 m 511.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 560.6 m 511.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 573.6 m 575.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 560.6 m 575.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 560.6 m 383.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 560.6 m 447.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 560.6 m 511.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 560.6 m 575.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 495.6 m 383.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 495.6 m 447.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 495.6 m 511.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 495.6 m 575.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 482.6 m 383.5 482.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 482.6 m 447.5 482.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 482.6 m 511.5 482.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 482.6 m 575.5 482.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 469.6 m 383.5 469.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 469.6 m 447.5 469.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 469.6 m 511.5 469.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 469.6 m 575.5 469.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 720.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.30 721.05 Td (Pretax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.25 721.05 Td (Tax effect) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 525.40 721.05 Td (After-tax) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 707.86 Td (Balance, December 31, 2012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 707.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 707.86 Td (\(25,334) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 707.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 707.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.75 707.86 Td (8,438) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 707.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.25 707.86 Td (\(16,896) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 707.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 694.86 Td (Change in net unrealized gains \(losses\) on investment securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 694.86 Td (\(3,537) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 694.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.75 694.86 Td (1,300) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 694.86 Td (\(2,237) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 694.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 681.86 Td (Cash flow hedges) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 681.86 Td (1,673) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.50 681.86 Td (\(625) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 681.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 681.86 Td (1,048) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 668.86 Td (Benefit plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 668.86 Td (1,979) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.50 668.86 Td (\(698) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 668.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 668.86 Td (1,281) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 655.86 Td (Foreign currency translation adjustment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 655.86 Td (\(2,377) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 655.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 655.86 Td (48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 655.86 Td (\(2,329) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 655.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 642.86 Td (Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 642.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 642.86 Td (\(2,262) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 642.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 642.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 642.86 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 642.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 642.86 Td (\(2,237) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 642.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 629.86 Td (Balance, December 31, 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 629.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 629.86 Td (\(27,596) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 629.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 629.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.75 629.86 Td (8,463) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 629.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.25 629.86 Td (\(19,133) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 629.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 616.86 Td (Change in net unrealized gains \(losses\) on investment securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 616.86 Td (2,704) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.75 616.86 Td (\(1,007) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 616.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 616.86 Td (1,697) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 603.86 Td (Cash flow hedges) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.50 603.86 Td (543) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.50 603.86 Td (\(207) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 603.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 603.86 Td (336) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 590.86 Td (Benefit plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 590.86 Td (\(1,830) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 590.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 590.86 Td (660) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 590.86 Td (\(1,170) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 590.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 577.86 Td (Foreign currency translation adjustment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 577.86 Td (\(4,881) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 577.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 577.86 Td (\(65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 577.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 577.86 Td (\(4,946) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 577.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 564.86 Td (Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 564.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 564.86 Td (\(3,464) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 564.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 564.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.50 564.86 Td (\(619) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 564.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 564.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 564.86 Td (\(4,083) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 564.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 551.86 Td (Balance, December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 551.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 551.86 Td (\(31,060) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 551.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 551.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.75 551.86 Td (7,844) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 551.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.25 551.86 Td (\(23,216) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 551.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 538.86 Td (Change in net unrealized gains \(losses\) on investment securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 538.86 Td (\(1,462) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 538.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 538.86 Td (498) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 538.86 Td (\(964) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 538.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 525.86 Td (Cash flow hedges) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.50 525.86 Td (468) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.50 525.86 Td (\(176) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 525.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 525.86 Td (292) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 512.86 Td (Benefit plans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 512.86 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 512.86 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 512.86 Td (43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 499.86 Td (Foreign currency translation adjustment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 499.86 Td (\(6,405) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 499.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 499.86 Td (906) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 499.86 Td (\(5,499) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 499.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 486.86 Td (Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 486.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 486.86 Td (\(7,380) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 486.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 486.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.75 486.86 Td (1,252) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 486.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 486.86 Td (\(6,128) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 486.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 474.00 Td (Balance, December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.00 474.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 474.00 Td (\(38,440) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 474.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 474.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.75 474.00 Td (9,096) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.00 474.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.25 474.00 Td (\(29,344) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 474.00 Td (\)) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 449 0 obj <> endobj 450 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (222) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (During 2015, 2014 and 2013 the Company recognized pretax losses of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.94 749.10 Td ($155 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.33 749.10 Td ( \() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.16 749.10 Td ($92 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.55 749.10 Td ( net of tax\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.15 749.10 Td ($542 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.54 749.10 Td ( \() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.37 749.10 Td ($334 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.89 737.10 Td ( gain net of tax\) and $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.64 737.10 Td (1,071 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.53 737.10 Td ( \($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.36 737.10 Td (649 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.75 737.10 Td ( net of tax\), respectively) Tj ET Q q 0 0 0 rg BT 360.01 737.10 Td (, related to amounts reclassified out of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 515.52 737.10 Td (Accumulated ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (other compr) Tj ET Q q 0 0 0 rg BT 84.79 725.10 Td (ehensive income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.31 725.10 Td ( into the Consolidated Statement of Income. See details in the table below:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 649.60 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 649.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 649.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 649.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 621.60 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 621.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 621.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 621.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 593.60 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 593.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 593.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 593.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 565.60 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 565.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 565.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 565.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 537.60 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 537.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 537.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 537.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 509.60 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 509.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 509.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 509.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 481.60 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 481.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 481.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 481.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 453.60 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 453.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 453.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 453.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 425.60 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 425.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 425.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 425.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 397.60 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 397.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 397.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 397.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 369.60 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 369.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 369.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 369.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 341.60 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 341.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 341.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 341.60 79.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 691.6 m 409.5 691.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 691.6 m 488.5 691.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 691.6 m 567.5 691.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 691.6 m 409.5 691.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 677.6 m 409.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 677.6 m 488.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 677.6 m 567.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 663.6 m 330.5 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 677.6 m 409.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 663.6 m 409.5 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 677.6 m 488.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 663.6 m 488.5 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 677.6 m 567.5 677.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 663.6 m 567.5 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 635.6 m 330.5 635.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 635.6 m 409.5 635.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 635.6 m 488.5 635.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 635.6 m 567.5 635.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 607.6 m 330.5 607.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 607.6 m 409.5 607.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 607.6 m 488.5 607.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 607.6 m 567.5 607.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 593.6 m 330.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 593.6 m 409.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 593.6 m 488.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 593.6 m 567.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 565.6 m 330.5 565.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 565.6 m 409.5 565.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 565.6 m 488.5 565.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 565.6 m 567.5 565.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 565.6 m 330.5 565.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 537.6 m 330.5 537.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 537.6 m 409.5 537.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 537.6 m 488.5 537.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 537.6 m 567.5 537.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 523.6 m 330.5 523.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 523.6 m 409.5 523.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 523.6 m 488.5 523.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 523.6 m 567.5 523.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 453.6 m 330.5 453.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 453.6 m 409.5 453.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 453.6 m 488.5 453.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 453.6 m 567.5 453.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 425.6 m 330.5 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 425.6 m 409.5 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 425.6 m 488.5 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 425.6 m 567.5 425.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 411.6 m 330.5 411.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 411.6 m 409.5 411.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 411.6 m 488.5 411.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 411.6 m 567.5 411.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 383.6 m 330.5 383.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 383.6 m 409.5 383.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 383.6 m 488.5 383.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 383.6 m 567.5 383.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 369.6 m 330.5 369.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 369.6 m 409.5 369.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 369.6 m 488.5 369.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 369.6 m 567.5 369.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 341.6 m 330.5 341.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 341.6 m 409.5 341.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 341.6 m 488.5 341.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 341.6 m 567.5 341.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 327.6 m 330.5 327.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 327.6 m 409.5 327.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 327.6 m 488.5 327.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 327.6 m 567.5 327.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.25 705.05 Td (Increase \(decrease\) in AOCI due to amounts reclassified to) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.35 696.05 Td (Consolidated Statement of Income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.65 682.05 Td (Year ended December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 667.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.50 668.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 668.06 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 668.06 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 654.06 Td (Realized \(gains\) losses on sales of investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 654.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 654.05 Td (\(682) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 654.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 654.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 654.06 Td (\(570) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 654.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 654.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 654.06 Td (\(748) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 654.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 640.06 Td (OTTI gross impairment losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 640.05 Td (265) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.50 640.06 Td (424) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 640.06 Td (334) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 626.06 Td (Subtotal, pretax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 626.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 626.05 Td (\(417) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 626.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 626.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 626.06 Td (\(146) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 626.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 626.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 626.06 Td (\(414) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 626.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 612.06 Td (Tax effect) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 612.05 Td (148) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.00 612.06 Td (53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 612.06 Td (139) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 598.05 Td (Net r) Tj ET Q q 0 0 0 rg BT 58.57 598.05 Td (ealized \(gains\) losses on investment securities, after) Tj ET Q q 0 0 0 rg BT 253.95 598.05 Td (-tax) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 268.95 602.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 598.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 598.05 Td (\(269) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 598.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 598.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 598.06 Td (\(93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 598.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 598.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 598.06 Td (\(275) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 598.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 584.06 Td (Interest rate contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 584.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 584.05 Td (186) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 584.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.50 584.06 Td (260) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 584.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 584.06 Td (700) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 570.06 Td (Foreign exchange contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 570.05 Td (146) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.50 570.06 Td (149) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 570.06 Td (176) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 556.06 Td (Subtotal, pretax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 556.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 556.05 Td (332) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 556.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.50 556.06 Td (409) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 556.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 556.06 Td (876) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 542.06 Td (Tax effect) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 542.05 Td (\(123) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 542.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 542.06 Td (\(158) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 542.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 542.06 Td (\(340) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 542.06 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 528.05 Td (Amortization of cash flow hedges, after) Tj ET Q q 0 0 0 rg BT 189.13 528.05 Td (-tax) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 204.13 532.13 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 528.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 528.05 Td (209) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 528.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.50 528.06 Td (251) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 528.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 528.06 Td (536) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 514.06 Td (Amortization of unrecognized) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 500.06 Td (Prior service cost \(benefit\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 500.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 500.05 Td (\(40) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 500.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 500.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 500.06 Td (\(40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 500.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 500.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 500.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 486.06 Td (Net actuarial loss) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 486.05 Td (276) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.50 486.06 Td (243) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 486.06 Td (271) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 472.06 Td (Curtailment/settlement impact) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 148.22 476.14 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 472.05 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.00 472.06 Td (76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 472.06 Td (44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 458.06 Td (Cumulative ef) Tj ET Q q 0 0 0 rg BT 90.07 458.06 Td (fect of change in accounting policy) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 216.77 462.14 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 458.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.00 458.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 458.06 Td (\(20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 458.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 444.06 Td (Subtotal, pretax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 444.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 444.05 Td (293) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 444.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.50 444.06 Td (279) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 444.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 444.06 Td (295) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 430.06 Td (Tax effect) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.50 430.05 Td (\(107) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 430.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 430.06 Td (\(103) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 430.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 430.06 Td (\(112) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 430.06 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 416.05 Td (Amortization of benefit plans, after) Tj ET Q q 0 0 0 rg BT 174.39 416.05 Td (-tax) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 189.39 420.13 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 416.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 416.05 Td (186) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 416.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.50 416.06 Td (176) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 416.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 416.06 Td (183) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 402.06 Td (Foreign currency translation adjustment) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 402.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 402.05 Td (\(53) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 402.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 402.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.00 402.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 402.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 402.06 Td (314) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 388.06 Td (Tax effect) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 388.05 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.00 388.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 388.06 Td (\(109) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 388.06 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 374.05 Td (Foreign currency translation adjustment) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 374.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 374.05 Td (\(34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 374.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 374.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.00 374.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 374.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 374.06 Td (205) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 360.05 Td (Total amounts reclassified out of AOCI, pretax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 360.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.50 360.05 Td (155) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 360.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.50 360.06 Td (542) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 360.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 360.06 Td (1,071) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 346.05 Td (Total tax effect) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 346.05 Td (\(63) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 346.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 346.06 Td (\(208) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.00 346.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 346.06 Td (\(422) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 346.06 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 332.05 Td (Total amounts reclassified out of AOCI, after-tax) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.00 332.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.00 332.05 Td (92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 332.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.50 332.06 Td (334) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 332.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 332.06 Td (649) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 310.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 310.50 Td (The pretax amount is reclassified to ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 170.41 310.50 Td (Realized gains \(losses\) on sales of investments, net) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 333.05 310.50 Td ( and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 348.60 310.50 Td (Gr) Tj ET Q q 0 0 0 rg BT 357.20 310.50 Td (oss impairment losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.42 310.50 Td ( on the Consolidated Statement of Income. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 300.90 Td (See Note) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 85.10 300.90 Td (14) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 93.10 300.90 Td ( to the Consolidated Financial Statements for additional details.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 291.30 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 291.30 Td (See Note) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 85.10 291.30 Td (23) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 93.10 291.30 Td ( to the Consolidated Financial Statements for additional details.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 281.70 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 281.70 Td (See Note) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 85.10 281.70 Td (8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 89.10 281.70 Td ( to the Consolidated Financial Statements for additional details.) Tj ET Q endstream endobj 451 0 obj <> endobj 452 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (223) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (21.PREFERRED ST) Tj ET Q q 0 0 0 rg BT 131.66 749.25 Td (OCK) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 721.25 Td (The following table summarizes the Company) Tj ET Q q 0 0 0 rg BT 224.01 721.25 Td (s preferred stock outstanding:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 643.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 111.50 643.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 202.50 643.75 92.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 643.75 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 643.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 643.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 643.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 643.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 615.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 111.50 615.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 202.50 615.75 92.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 615.75 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 615.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 615.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 615.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 615.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 587.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 111.50 587.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 202.50 587.75 92.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 587.75 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 587.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 587.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 587.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 587.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 559.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 111.50 559.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 202.50 559.75 92.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 559.75 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 559.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 559.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 559.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 559.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 531.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 111.50 531.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 202.50 531.75 92.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 531.75 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 531.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 531.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 531.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 531.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 503.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 111.50 503.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 202.50 503.75 92.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 503.75 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 503.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 503.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 503.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 503.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 475.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 111.50 475.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 202.50 475.75 92.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 475.75 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 475.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 475.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 475.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 475.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 447.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 111.50 447.75 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 202.50 447.75 92.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 447.75 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 447.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 447.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 447.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 447.75 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 680.75 m 516.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 680.75 m 576.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 643.75 m 111.5 643.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 111.5 643.75 m 202.5 643.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 643.75 m 294.5 643.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 643.75 m 338.5 643.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 643.75 m 403.5 643.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 643.75 m 456.5 643.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 680.75 m 516.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 643.75 m 516.5 643.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 680.75 m 576.5 680.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 643.75 m 576.5 643.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 643.75 m 403.5 643.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 433.75 m 111.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 111.5 433.75 m 202.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 433.75 m 294.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 433.75 m 338.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 433.75 m 403.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 433.75 m 456.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 433.75 m 516.5 433.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 433.75 m 576.5 433.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 419.75 m 111.5 419.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 111.5 419.75 m 202.5 419.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 419.75 m 294.5 419.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 419.75 m 338.5 419.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 419.75 m 403.5 419.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 419.75 m 456.5 419.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 419.75 m 516.5 419.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 419.75 m 576.5 419.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 685.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.00 685.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 345.85 694.15 Td (Redemption) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.20 685.15 Td (price per) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 685.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.85 693.45 Td (Carrying value) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.55 685.00 Td ( ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 483.55 685.00 Td (in millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 648.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 130.60 648.20 Td (Issuance date) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 206.30 657.20 Td (Redeemable by issuer) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.95 648.20 Td (beginning) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.45 657.20 Td (Dividend) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.25 648.20 Td (rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.10 672.15 Td ( depositary) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.80 663.15 Td (share/) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.15 654.15 Td (preference) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.05 645.20 Td (share) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.55 672.15 Td (Number) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 663.15 Td (of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.25 654.15 Td (depositary) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.30 645.20 Td (shares) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.80 657.20 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.00 648.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.75 657.21 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 648.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 634.21 Td (Series) Tj ET Q q 0 0 0 rg BT 62.75 634.21 Td (AA) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 75.75 638.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 125.60 634.21 Td (January 25, 2008) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 214.85 634.21 Td (February 15, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.25 634.21 Td (8.125) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.50 634.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.00 634.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 634.21 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 634.21 Td (3,870,330) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.00 634.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 634.20 Td (97) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 634.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 634.21 Td (97) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 620.21 Td (SeriesE) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.74 624.29 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 130.10 620.21 Td (April 28, 2008) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.60 620.21 Td (April 30, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.25 620.21 Td (8.400) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.75 620.21 Td (1,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 620.21 Td (121,254) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 620.20 Td (121) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 620.21 Td (121) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 606.21 Td (Series) Tj ET Q q 0 0 0 rg BT 62.75 606.21 Td (A) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 69.25 610.29 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 125.10 606.21 Td (October 29, 2012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.10 606.21 Td (January 30, 2023) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.25 606.21 Td (5.950) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.75 606.21 Td (1,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 606.21 Td (1,500,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.75 606.20 Td (1,500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 606.21 Td (1,500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 592.21 Td (SeriesB) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 69.25 596.29 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 121.10 592.21 Td (December 13, 2012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 214.85 592.21 Td (February 15, 2023) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.25 592.21 Td (5.900) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.75 592.21 Td (1,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 592.21 Td (750,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 592.20 Td (750) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 592.21 Td (750) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 578.21 Td (SeriesC) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 69.25 582.29 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 127.85 578.21 Td (March 26, 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 221.60 578.21 Td (April 22, 2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.25 578.21 Td (5.800) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 578.21 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.50 578.21 Td (23,000,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 578.20 Td (575) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 578.21 Td (575) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 564.21 Td (SeriesD) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 69.74 568.29 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 130.10 564.21 Td (April 30, 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.85 564.21 Td (May 15, 2023) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.25 564.21 Td (5.350) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.75 564.21 Td (1,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 564.21 Td (1,250,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.75 564.20 Td (1,250) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 564.21 Td (1,250) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 550.21 Td (SeriesJ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 66.75 554.29 Td (\(7\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 120.35 550.21 Td (September 19, 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 211.85 550.21 Td (September 30, 2023) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.25 550.21 Td (7.125) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 550.21 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.50 550.21 Td (38,000,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 550.20 Td (950) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 550.21 Td (950) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 536.21 Td (Series K) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 69.74 540.29 Td (\(8\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 125.10 536.21 Td (October 31, 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 212.10 536.21 Td (November 15, 2023) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.25 536.21 Td (6.875) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 536.21 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.50 536.21 Td (59,800,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.75 536.20 Td (1,495) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 536.21 Td (1,495) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 522.21 Td (Series L) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.74 526.29 Td (\(9\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 123.35 522.21 Td (February 12, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 214.85 522.21 Td (February 12, 2019) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.25 522.21 Td (6.875) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 522.21 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.50 522.21 Td (19,200,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.50 522.20 Td (480) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 522.21 Td (480) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 508.21 Td (Series M) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 71.25 512.29 Td (\(10\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 130.10 508.21 Td (April 30, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.85 508.21 Td (May 15, 2024) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.25 508.21 Td (6.300) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.75 508.21 Td (1,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 508.21 Td (1,750,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.75 508.20 Td (1,750) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 508.21 Td (1,750) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 494.21 Td (Series N) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 69.74 498.29 Td (\(1) Tj ET Q BT /F1 5.85 Tf ET q 0 0 0 rg BT 74.40 498.29 Td (1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 125.10 494.21 Td (October 29, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 212.10 494.21 Td (November 15, 2019) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.25 494.21 Td (5.800) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.75 494.21 Td (1,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 494.21 Td (1,500,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.75 494.20 Td (1,500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 494.21 Td (1,500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 480.21 Td (Series O) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 69.74 484.29 Td (\(12\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 127.85 480.21 Td (March 20, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 219.35 480.21 Td (March 27, 2020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.25 480.21 Td (5.875) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.75 480.21 Td (1,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 480.21 Td (1,500,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.75 480.20 Td (1,500) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 480.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 466.21 Td (Series P) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.25 470.29 Td (\(13\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 130.10 466.21 Td (April 24, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.85 466.21 Td (May 15, 2025) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.25 466.21 Td (5.950) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.75 466.21 Td (1,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 466.21 Td (2,000,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.75 466.20 Td (2,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 466.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 452.21 Td (Series Q) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 69.74 456.29 Td (\(14\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 126.60 452.21 Td (August 12, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.10 452.21 Td (August 15, 2020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.25 452.21 Td (5.950) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.75 452.21 Td (1,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 452.21 Td (1,250,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.75 452.20 Td (1,250) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 452.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 438.21 Td (Series R) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 69.25 442.29 Td (\(15\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 120.60 438.21 Td (November 13, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 212.10 438.21 Td (November 15, 2020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.25 438.21 Td (6.125) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 373.75 438.21 Td (1,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 438.21 Td (1,500,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.75 438.20 Td (1,500) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 438.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.00 424.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.00 424.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 424.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.00 424.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.25 424.20 Td (16,718) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 424.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 424.21 Td (10,468) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 402.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 402.65 Td (Issued as depositary shares, each representing a 1/1,000) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 232.39 406.27 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 236.43 402.65 Td (interest in a share of the corresponding series of non-cumulative perpetual preferred stock. Dividends are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 393.05 Td (payable quarterly on February15, May15, ) Tj ET Q q 0 0 0 rg BT 192.85 393.05 Td (August15 and November15, in each case when, as and if declared by the Citi Board of Directors.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 383.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 383.45 Td (Issued as depositary shares, each representing a 1/25) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 222.39 387.07 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.43 383.45 Td (interest in a share of the corresponding series of non-cumulative perpetual preferred stock. Dividends are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 373.85 Td (payable semi-annually on ) Tj ET Q q 0 0 0 rg BT 137.75 373.85 Td (April30 and October30 at a fixed rate until ) Tj ET Q q 0 0 0 rg BT 279.93 373.85 Td (April30, 2018, thereafter payable quarterly on January30, ) Tj ET Q q 0 0 0 rg BT 469.65 373.85 Td (April30, July30 and October30 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 364.25 Td (at a floating rate, in each case when, as and if declared by the Citi Board of Directors. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 354.65 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 354.65 Td (Issued as depositary shares, each representing a 1/25) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 222.39 358.27 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.43 354.65 Td (interest in a share of the corresponding series of non-cumulative perpetual preferred stock. Dividends are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 345.05 Td (payable semi-annually on January30 and July30 at a fixed rate until January30, 2023, thereafter payable quarterly on January30, ) Tj ET Q q 0 0 0 rg BT 474.09 345.05 Td (April30, July30 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 335.45 Td (October30 at a floating rate, in each case when, as and if declared by the Citi Board of Directors.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 325.85 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 325.85 Td (Issued as depositary shares, each representing a 1/25) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 222.39 329.48 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.43 325.85 Td (interest in a share of the corresponding series of non-cumulative perpetual preferred stock. Dividends are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 316.25 Td (payable semi-annually on February15 and ) Tj ET Q q 0 0 0 rg BT 192.18 316.25 Td (August15 at a fixed rate until February15, 2023, thereafter payable quarterly on February15, May15, ) Tj ET Q q 0 0 0 rg BT 524.09 316.25 Td (August15 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 306.65 Td (November15 at a floating rate, in each case when, as and if declared by the Citi Board of Directors. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 297.05 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 297.05 Td (Issued as depositary shares, each representing a 1/1,000) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 232.39 300.68 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 236.43 297.05 Td (interest in a share of the corresponding series of non-cumulative perpetual preferred stock. Dividends are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 287.45 Td (payable quarterly on January22, ) Tj ET Q q 0 0 0 rg BT 160.19 287.45 Td (April22, July22 and October22 when, as and if declared by the Citi Board of Directors.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 277.85 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 277.85 Td (Issued as depositary shares, each representing a 1/25) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 222.39 281.48 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.43 277.85 Td (interest in a share of the corresponding series of non-cumulative perpetual preferred stock. Dividends are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 268.25 Td (payable semi-annually on May15 and November15 at a fixed rate until May15, 2023, thereafter payable quarterly on February15, May15, ) Tj ET Q q 0 0 0 rg BT 506.75 268.25 Td (August15 and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 258.65 Td (November15 at a floating rate, in each case when, as and if declared by the Citi Board of Directors.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 249.05 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 249.05 Td (Issued as depositary shares, each representing a 1/1,000) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 232.39 252.67 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 236.43 249.05 Td (interest in a share of the corresponding series of non-cumulative perpetual preferred stock. Dividends are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 239.45 Td (payable quarterly on March30, June30, September30 and December30 at a fixed rate until September30, 2023, thereafter payable quarterly on the same dates at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 229.85 Td (a floating rate, in each case when, as and if declared by the Citi Board of Directors. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 220.25 Td (\(8\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 220.25 Td (Issued as depositary shares, each representing a 1/1,000) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 232.39 223.88 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 236.43 220.25 Td (interest in a share of the corresponding series of non-cumulative perpetual preferred stock. Dividends are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 210.65 Td (payable quarterly on February 15, May15, ) Tj ET Q q 0 0 0 rg BT 192.85 210.65 Td (August15 and November15 at a fixed rate until November 15, 2023, thereafter payable quarterly on the same dates at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 201.05 Td (a floating rate, in each case when, as and if declared by the Citi Board of Directors. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 191.45 Td (\(9\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 191.45 Td (Issued as depositary shares, each representing a 1/1,000) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 232.39 195.08 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 236.43 191.45 Td (interest in a share of the corresponding series of non-cumulative perpetual preferred stock. Dividends are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 181.85 Td (payable quarterly on February 12, May12, ) Tj ET Q q 0 0 0 rg BT 192.85 181.85 Td (August12 and November12 at a fixed rate, in each case when, as and if declared by the Citi Board of Directors. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 172.25 Td (\(10\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 172.25 Td (Issued as depositary shares, each representing a 1/25) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 222.39 175.88 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.43 172.25 Td ( interest in a share of the corresponding series of non-cumulative perpetual preferred stock. Dividends are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 162.65 Td (payable semi-annually on May 15 and November 15 at a fixed rate until May 15, 2024, thereafter payable quarterly on February 15, May 15, ) Tj ET Q q 0 0 0 rg BT 506.75 162.65 Td (August 15, and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 153.05 Td (November 15 at a floating rate, in each case when, as and if declared by the Citi Board of Directors.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 143.45 Td (\(1) Tj ET Q q 0 0 0 rg BT 42.37 143.45 Td (1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 143.45 Td (Issued as depositary shares, each representing a 1/25) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 222.39 147.08 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.43 143.45 Td ( interest in a share of the corresponding series of non-cumulative perpetual preferred stock. Dividends are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 133.85 Td (payable semi-annually on May 15 and November 15 at a fixed rate until, but excluding, November 15, 2019, and thereafter payable quarterly on February 15, May ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 124.25 Td (15, ) Tj ET Q q 0 0 0 rg BT 65.56 124.25 Td (August 15 and November 15 at a floating rate, in each case when, as and if declared by the Citi Board of Directors.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 114.65 Td (\(12\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 114.65 Td (Issued as depositary shares, each representing a 1/25) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 222.39 118.27 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.43 114.65 Td ( interest in a share of the corresponding series of non-cumulative perpetual preferred stock. Dividends are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 105.05 Td (payable semi-annually on March 27 and September 27 at a fixed rate until, but excluding, March 27, 2020, and thereafter payable quarterly on March 27, June 27, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 95.45 Td (September 27 and December 27 at a floating rate, in each case when, as and if declared by the Citi Board of Directors.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 85.85 Td (\(13\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 85.85 Td (Issued as depositary shares, each representing a 1/25) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 222.39 89.48 Td (th) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.43 85.85 Td ( interest in a share of the corresponding series of non-cumulative perpetual preferred stock. Dividends are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 76.25 Td (payable semi-annually on May 15 and November 15 at a fixed rate until, but excluding, May 15, 2025, and thereafter payable quarterly on February 15, May 15, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 66.65 Td (August 15, and November 15 at a floating rate, in each case when, as and if declared by the Citi Board of Directors.) Tj ET Q endstream endobj 453 0 obj <> endobj 454 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (224) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 750.50 Td (\(14\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 750.50 Td (Issued as depository shares, each representing 1/25th interest in a share of the corresponding series of non-cumulative perpetual preferred stock. Dividends are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 740.90 Td (payable semi-annually on February 15 and ) Tj ET Q q 0 0 0 rg BT 192.18 740.90 Td (August 15 at a fixed rated until, but excluding, ) Tj ET Q q 0 0 0 rg BT 343.04 740.90 Td (August 15, 2020, and thereafter payable quarterly on February 15, May ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 731.30 Td (15, ) Tj ET Q q 0 0 0 rg BT 65.56 731.30 Td (August 15, and November 15 at a floating rate, in each case when, as and if declared by the Citi Board of Directors.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 721.70 Td (\(15\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 721.70 Td (Issued as depository shares, each representing 1/25th interest in a share of the corresponding series of non-cumulative perpetual preferred stock. Dividends are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 712.10 Td (payable semi-annually on May 15 and November 15 at a fixed rated until, but excluding, November 15, 2020, and thereafter payable quarterly on February 15, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 702.50 Td (May 15, ) Tj ET Q q 0 0 0 rg BT 82.22 702.50 Td (August 15 and November 15 at a floating rate, in each case when, as and if declared by the Citi Board of Directors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 680.90 Td (On January 26, 2016, Citi issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.33 680.90 Td ($1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.94 680.90 Td ( of Series S ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 668.90 Td (Preferred Stock as depositary shares, each representing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 656.90 Td (1/1000th interest in a share of corresponding series of non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 644.90 Td (cumulative perpetual preferred stock. ) Tj ET Q q 0 0 0 rg BT 187.69 644.90 Td (The dividend rate is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 632.90 Td (6.3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.83 632.90 Td ( payable quarterly on February 12, May 12, ) Tj ET Q q 0 0 0 rg BT 232.89 632.90 Td (August 12 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 620.90 Td (and November 12, beginning May 12, 2016, in each case ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 608.90 Td (when, as and if declared by the Citi Board of Directors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 596.90 Td (During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.83 596.90 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.83 596.90 Td (, Citi distributed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.61 596.90 Td ($769 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.00 596.90 Td ( in dividends ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 584.90 Td (on its outstanding preferred stock. Based on its preferred stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 572.90 Td (outstanding as of December 31, 2015, Citi estimates it will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 560.90 Td (distribute preferred dividends of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.88 560.90 Td ($1,027 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.78 560.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 548.90 Td (during 2016, in each case assuming such dividends are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 536.90 Td (declared by the Citi Board of Directors.) Tj ET Q endstream endobj 455 0 obj <> endobj 456 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 24.60 Td (225) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (22. SECURITIZA) Tj ET Q q 0 0 0 rg BT 112.50 749.25 Td (TIONS ) Tj ET Q q 0 0 0 rg BT 145.57 749.25 Td (AND ) Tj ET Q q 0 0 0 rg BT 169.55 749.25 Td (V) Tj ET Q q 0 0 0 rg BT 175.49 749.25 Td (ARIABLE INTEREST) Tj ET Q q 0 0 0 rg BT 273.95 749.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (ENTITIES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (Uses of Special Purpose Entities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (A) Tj ET Q q 0 0 0 rg BT 42.67 701.25 Td ( special purpose entity \(SPE\) is an entity designed to fulfill a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (specific limited need of the company that or) Tj ET Q q 0 0 0 rg BT 212.15 689.25 Td (ganized it. ) Tj ET Q q 0 0 0 rg BT 256.12 689.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (principal uses of SPEs by Citi are to obtain liquidity and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (favorable capital treatment by securitizing certain financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (assets, to assist clients in securitizing their financial assets and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (to create investment products for clients. SPEs may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (or) Tj ET Q q 0 0 0 rg BT 44.15 629.25 Td (ganized in various legal forms, including trusts, partnerships ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (or corporations. In a securitization, the company transferring ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (assets to an SPE converts all \(or a portion\) of those assets into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (cash before they would have been realized in the normal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (course of business through the SPE) Tj ET Q q 0 0 0 rg BT 180.16 581.25 Td (s issuance of debt and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (equity instruments, certificates, commercial paper or other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (notes of indebtedness. ) Tj ET Q q 0 0 0 rg BT 126.91 557.25 Td (These issuances are recorded on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (balance sheet of the SPE, which may or may not be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (consolidated onto the balance sheet of the company that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (or) Tj ET Q q 0 0 0 rg BT 44.15 521.25 Td (ganized the SPE.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 509.25 Td (Investors usually have recourse only to the assets in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (SPE, but may also benefit from other credit enhancements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (such as a collateral account, a line of credit or a liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (facility) Tj ET Q q 0 0 0 rg BT 63.67 473.25 Td (, such as a liquidity put option or asset purchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (agreement. Because of these enhancements, the SPE issuances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (typically obtain a more favorable credit rating than the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (transferor could obtain for its own debt issuances. ) Tj ET Q q 0 0 0 rg BT 237.71 437.25 Td (This results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (in less expensive financing costs than unsecured debt. ) Tj ET Q q 0 0 0 rg BT 253.82 425.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (SPE may also enter into derivative contracts in order to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (convert the yield or currency of the underlying assets to match ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (the needs of the SPE investors or to limit or change the credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (risk of the SPE. Citigroup may be the provider of certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (credit enhancements as well as the counterparty to any related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (derivative contracts.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 341.25 Td (Most of Citigroup) Tj ET Q q 0 0 0 rg BT 129.00 341.25 Td (s SPEs are variable interest entities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.25 Td (\(VIEs\), as described below) Tj ET Q q 0 0 0 rg BT 143.65 329.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.25 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 305.25 Td (V) Tj ET Q q 0 0 0 rg BT 41.56 305.25 Td (ariable Interest Entities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.25 Td (VIEs are entities that have either a total equity investment that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.25 Td (is insuf) Tj ET Q q 0 0 0 rg BT 64.99 281.25 Td (ficient to permit the entity to finance its activities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.25 Td (without additional subordinated financial support, or whose ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.25 Td (equity investors lack the characteristics of a controlling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.25 Td (financial interest \(i.e., ability to make significant decisions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.25 Td (through voting rights and a right to receive the expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.25 Td (residual returns of the entity or an obligation to absorb the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.25 Td (expected losses of the entity\). Investors that finance the ) Tj ET Q q 0 0 0 rg BT 260.19 209.25 Td (VIE ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.25 Td (through debt or equity interests or other counterparties ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.25 Td (providing other forms of support, such as guarantees, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.25 Td (subordinated fee arrangements or certain types of derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.25 Td (contracts are variable interest holders in the entity) Tj ET Q q 0 0 0 rg BT 234.99 161.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (The variable interest holder) Tj ET Q q 0 0 0 rg BT 451.83 749.10 Td (, if any) Tj ET Q q 0 0 0 rg BT 479.23 749.10 Td (, that has a controlling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (financial interest in a ) Tj ET Q q 0 0 0 rg BT 410.45 737.10 Td (VIE is deemed to be the primary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (beneficiary and must consolidate the ) Tj ET Q q 0 0 0 rg BT 472.94 725.10 Td (VIE. Citigroup would be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (deemed to have a controlling financial interest and be the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (primary beneficiary if it has both of the following ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (characteristics:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 671.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 671.10 Td (power to direct the activities of the ) Tj ET Q q 0 0 0 rg BT 483.71 671.10 Td (VIE that most ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 659.10 Td (significantly impact the entity) Tj ET Q q 0 0 0 rg BT 464.47 659.10 Td (s economic performance; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 647.10 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 635.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 635.10 Td (an obligation to absorb losses of the entity that could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 623.10 Td (potentially be significant to the ) Tj ET Q q 0 0 0 rg BT 468.73 623.10 Td (VIE, or a right to receive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 611.10 Td (benefits from the entity that could potentially be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 599.10 Td (significant to the ) Tj ET Q q 0 0 0 rg BT 411.53 599.10 Td (VIE. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 575.10 Td (The Company must evaluate each ) Tj ET Q q 0 0 0 rg BT 479.83 575.10 Td (VIE to understand the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 563.10 Td (purpose and design of the entity) Tj ET Q q 0 0 0 rg BT 451.38 563.10 Td (, the role the Company had in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 551.10 Td (the entity) Tj ET Q q 0 0 0 rg BT 364.27 551.10 Td (s design and its involvement in the ) Tj ET Q q 0 0 0 rg BT 505.46 551.10 Td (VIE) Tj ET Q q 0 0 0 rg BT 524.90 551.10 Td (s ongoing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 539.10 Td (activities. ) Tj ET Q q 0 0 0 rg BT 364.92 539.10 Td (The Company then must evaluate which activities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 527.10 Td (most significantly impact the economic performance of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 515.10 Td (VIE and who has the power to direct such activities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 503.10 Td (For those ) Tj ET Q q 0 0 0 rg BT 381.82 503.10 Td (VIEs where the Company determines that it has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 491.10 Td (the power to direct the activities that most significantly impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 479.10 Td (the ) Tj ET Q q 0 0 0 rg BT 338.54 479.10 Td (VIE) Tj ET Q q 0 0 0 rg BT 357.97 479.10 Td (s economic performance, the Company must then ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 467.10 Td (evaluate its economic interests, if any) Tj ET Q q 0 0 0 rg BT 473.85 467.10 Td (, and determine whether ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 455.10 Td (it could absorb losses or receive benefits that could potentially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 443.10 Td (be significant to the ) Tj ET Q q 0 0 0 rg BT 405.46 443.10 Td (VIE. ) Tj ET Q q 0 0 0 rg BT 426.94 443.10 Td (When evaluating whether the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 431.10 Td (Company has an obligation to absorb losses that could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 419.10 Td (potentially be significant, it considers the maximum exposure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 407.10 Td (to such loss without consideration of probability) Tj ET Q q 0 0 0 rg BT 516.66 407.10 Td (. Such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 395.10 Td (obligations could be in various forms, including, but not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 383.10 Td (limited to, debt and equity investments, guarantees, liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 371.10 Td (agreements and certain derivative contracts.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 359.10 Td ( ) Tj ET Q q 0 0 0 rg BT 342.00 359.10 Td (In various other transactions, the Company may: \(i\) act as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 347.10 Td (a derivative counterparty \(for example, interest rate swap, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 335.10 Td (cross-currency swap, or purchaser of credit protection under a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 323.10 Td (credit default swap or total return swap where the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 311.10 Td (pays the total return on certain assets to the SPE\); \(ii\) act as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 299.10 Td (underwriter or placement agent; \(iii\) provide administrative, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 287.10 Td (trustee or other services; or \(iv\) make a market in debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 275.10 Td (securities or other instruments issued by ) Tj ET Q q 0 0 0 rg BT 487.13 275.10 Td (VIEs. ) Tj ET Q q 0 0 0 rg BT 512.50 275.10 Td (The Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 263.10 Td (generally considers such involvement, by itself, not to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 251.10 Td (variable interests and thus not an indicator of power or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 239.10 Td (potentially significant benefits or losses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 227.10 Td (See Note 1 to the Consolidated Financial Statements for a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 215.10 Td (discussion of impending changes to tar) Tj ET Q q 0 0 0 rg BT 479.63 215.10 Td (geted areas of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 203.10 Td (consolidation guidance.) Tj ET Q endstream endobj 457 0 obj <> endobj 458 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 24.60 Td (226) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 95.11 749.10 Td (s involvement with consolidated and unconsolidated ) Tj ET Q q 0 0 0 rg BT 307.12 749.10 Td (VIEs with which the Company holds significant variable interests ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (or has continuing involvement through servicing a majority of the assets in a ) Tj ET Q q 0 0 0 rg BT 344.92 737.10 Td (VIE is presented below:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 647.60 110.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 647.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 647.60 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 647.60 65.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 647.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 647.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 647.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 647.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 647.60 39.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 621.60 110.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 621.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 621.60 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 621.60 65.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 621.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 621.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 621.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 621.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 621.60 39.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 597.60 110.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 597.60 55.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 597.60 57.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 597.60 65.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 597.60 52.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 597.60 52.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 597.60 58.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 597.60 52.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 597.60 39.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 544.60 110.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 544.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 544.60 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 544.60 65.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 544.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 544.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 544.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 544.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 544.60 39.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 510.60 110.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 510.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 510.60 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 510.60 65.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 510.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 510.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 510.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 510.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 510.60 39.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 486.60 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 486.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 486.60 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 486.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 486.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 486.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 486.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 486.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 486.60 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 460.60 110.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 460.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 460.60 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 460.60 65.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 460.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 460.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 460.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 460.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 460.60 39.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 714.6 m 146.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 714.6 m 201.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 714.6 m 258.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 714.6 m 323.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 714.6 m 375.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 714.6 m 427.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 714.6 m 485.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 714.6 m 537.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 714.6 m 576.5 714.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 700.6 m 375.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 700.6 m 427.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 700.6 m 485.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 700.6 m 537.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 700.6 m 576.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 700.6 m 375.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 686.6 m 375.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 700.6 m 427.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 686.6 m 427.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 700.6 m 485.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 686.6 m 485.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 700.6 m 537.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 686.6 m 537.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 700.6 m 576.5 700.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 686.6 m 576.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 647.6 m 146.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 647.6 m 201.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 647.6 m 258.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 647.6 m 323.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 647.6 m 375.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 647.6 m 427.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 647.6 m 485.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 647.6 m 537.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 647.6 m 576.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 460.6 m 146.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 460.6 m 201.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 460.6 m 258.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 460.6 m 323.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 460.6 m 375.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 460.6 m 427.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 460.6 m 485.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 460.6 m 537.5 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 460.6 m 576.5 460.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 448.6 m 146.5 448.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 448.6 m 201.5 448.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 448.6 m 258.5 448.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 448.6 m 323.5 448.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 448.6 m 375.5 448.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 448.6 m 427.5 448.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 448.6 m 485.5 448.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 448.6 m 537.5 448.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 448.6 m 576.5 448.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.40 718.00 Td (As of December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.85 705.05 Td (Maximum exposur) Tj ET Q q 0 0 0 rg BT 400.43 705.05 Td (e to loss in significant unconsolidated ) Tj ET Q q 0 0 0 rg BT 544.79 705.05 Td (VIEs) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 564.30 709.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.75 691.05 Td (Funded exposur) Tj ET Q q 0 0 0 rg BT 398.85 691.05 Td (es) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 406.35 695.13 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.65 691.05 Td (Unfunded exposures) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 651.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 163.65 678.00 Td (T) Tj ET Q q 0 0 0 rg BT 168.83 678.00 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 150.00 669.00 Td (involvement) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 155.60 660.00 Td (with SPE) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 162.50 651.00 Td (assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 204.20 670.05 Td (Consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 209.70 661.05 Td (VIE / SPE ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 218.50 652.05 Td (assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.70 670.05 Td (Significant) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.45 661.05 Td (unconsolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.95 652.05 Td (VIE assets) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 307.20 656.13 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.75 661.05 Td (Debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.25 652.05 Td (investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.95 661.05 Td (Equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.25 652.05 Td (investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.70 661.05 Td (Funding) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.00 652.05 Td (commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.75 670.05 Td (Guarantees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.70 661.05 Td (and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 652.05 Td (derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.65 652.05 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 638.86 Td (Credit card securitizations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 149.00 639.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 172.90 639.00 Td (55,050) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 204.00 639.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.90 639.00 Td (54,916) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.00 639.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.15 639.00 Td (134) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 639.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.65 639.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 639.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.65 639.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.00 639.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.65 639.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.00 639.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.65 639.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 540.00 639.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.65 639.00 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 626.06 Td (Mortgage securitizations) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 128.22 630.14 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 612.86 Td (U.S. agency-sponsored) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 168.40 613.00 Td (236,225) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 245.65 613.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.40 613.00 Td (236,225) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.40 613.00 Td (3,582) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.65 613.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.65 613.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.65 613.00 Td (95) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.35 613.00 Td (3,677) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 600.86 Td (Non-agency-sponsored) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 172.90 601.00 Td (14,305) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.40 601.00 Td (1,586) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.90 601.00 Td (12,719) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.15 601.00 Td (528) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.65 601.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.65 601.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.15 601.00 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.15 601.00 Td (529) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 588.86 Td (Citi-administered asset-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 579.86 Td (backed commercial paper) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 570.86 Td (conduits \(ABCP\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 172.90 571.05 Td (21,280) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.90 571.05 Td (21,280) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.65 571.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.65 571.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.65 571.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.65 571.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.65 571.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.65 571.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 557.86 Td (Collateralized loan) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 548.86 Td (obligations \(CLOs\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 172.90 549.05 Td (20,564) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 245.65 549.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.90 549.05 Td (20,564) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.40 549.05 Td (3,154) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.65 549.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.65 549.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.65 549.05 Td (86) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.35 549.05 Td (3,240) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 535.86 Td (Asset-based financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 172.90 536.00 Td (83,397) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.40 536.00 Td (1,364) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.90 536.00 Td (82,033) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.90 536.00 Td (25,923) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.15 536.00 Td (270) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.40 536.00 Td (3,891) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.15 536.00 Td (436) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.85 536.00 Td (30,520) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 523.86 Td (Municipal securities tender) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 514.86 Td (option bond trusts \(TOBs\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.40 515.05 Td (8,572) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.40 515.05 Td (3,830) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.40 515.05 Td (4,742) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.15 515.05 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.65 515.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.40 515.05 Td (3,100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.65 515.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.35 515.05 Td (3,102) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 501.86 Td (Municipal investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 172.90 502.00 Td (22,935) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 245.65 502.00 Td (44) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.90 502.00 Td (22,891) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.40 502.00 Td (2,275) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.40 502.00 Td (2,512) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.40 502.00 Td (2,338) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.65 502.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.35 502.00 Td (7,125) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 489.86 Td (Client intermediation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.40 490.00 Td (1,965) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 241.15 490.00 Td (335) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.40 490.00 Td (1,630) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.65 490.00 Td (49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.65 490.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.65 490.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.65 490.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.65 490.00 Td (49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 477.06 Td (Investment funds) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 101.24 481.14 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 172.90 477.05 Td (27,569) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 241.15 477.05 Td (842) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.90 477.05 Td (26,727) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.65 477.05 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.15 477.05 Td (318) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.15 477.05 Td (102) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.65 477.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.15 477.05 Td (433) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 463.86 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.40 464.00 Td (4,986) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 241.15 464.00 Td (597) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.40 464.00 Td (4,389) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.15 464.00 Td (292) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.15 464.00 Td (554) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.65 464.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.65 464.00 Td (52) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.15 464.00 Td (898) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 452.00 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 452.00 Td (otal) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 58.67 456.08 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 149.00 452.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 168.40 452.00 Td (496,848) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 204.00 452.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.90 452.00 Td (84,794) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.00 452.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.40 452.00 Td (412,054) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 452.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.90 452.00 Td (35,818) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.00 452.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.40 452.00 Td (3,654) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.00 452.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.40 452.00 Td (9,431) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.00 452.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.15 452.00 Td (670) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 540.00 452.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.85 452.00 Td (49,573) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 359.60 110.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 359.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 359.60 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 359.60 65.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 359.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 359.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 359.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 359.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 359.60 39.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 333.60 110.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 333.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 333.60 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 333.60 65.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 333.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 333.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 333.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 333.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 333.60 39.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 309.60 110.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 309.60 55.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 309.60 57.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 309.60 65.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 309.60 52.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 309.60 52.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 309.60 58.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 309.60 52.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 309.60 39.00 -31.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 256.60 110.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 256.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 256.60 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 256.60 65.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 256.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 256.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 256.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 256.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 256.60 39.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 222.60 110.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 222.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 222.60 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 222.60 65.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 222.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 222.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 222.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 222.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 222.60 39.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 198.60 110.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 198.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 198.60 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 198.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 198.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 198.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 198.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 198.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 198.60 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 172.60 110.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 146.50 172.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 172.60 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 172.60 65.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 172.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 172.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 172.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 172.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 172.60 39.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 426.6 m 146.5 426.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 426.6 m 201.5 426.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 426.6 m 258.5 426.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 426.6 m 323.5 426.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 426.6 m 375.5 426.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 426.6 m 427.5 426.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 426.6 m 485.5 426.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 426.6 m 537.5 426.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 426.6 m 576.5 426.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 412.6 m 375.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 412.6 m 427.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 412.6 m 485.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 412.6 m 537.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 412.6 m 576.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 412.6 m 375.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 398.6 m 375.5 398.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 412.6 m 427.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 398.6 m 427.5 398.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 412.6 m 485.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 398.6 m 485.5 398.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 412.6 m 537.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 398.6 m 537.5 398.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 412.6 m 576.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 398.6 m 576.5 398.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 359.6 m 146.5 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 359.6 m 201.5 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 359.6 m 258.5 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 359.6 m 323.5 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 359.6 m 375.5 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 359.6 m 427.5 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 359.6 m 485.5 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 359.6 m 537.5 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 359.6 m 576.5 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 172.60000000000002 m 146.5 172.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 172.60000000000002 m 201.5 172.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 172.60000000000002 m 258.5 172.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 172.60000000000002 m 323.5 172.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 172.60000000000002 m 375.5 172.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 172.60000000000002 m 427.5 172.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 172.60000000000002 m 485.5 172.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 172.60000000000002 m 537.5 172.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 172.60000000000002 m 576.5 172.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 160.60000000000002 m 146.5 160.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 146.5 160.60000000000002 m 201.5 160.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 160.60000000000002 m 258.5 160.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 160.60000000000002 m 323.5 160.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 160.60000000000002 m 375.5 160.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 160.60000000000002 m 427.5 160.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 160.60000000000002 m 485.5 160.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 160.60000000000002 m 537.5 160.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 160.60000000000002 m 576.5 160.60000000000002 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.25 429.86 Td (As of December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.80 417.06 Td (Maximum exposure to loss in significant unconsolidated ) Tj ET Q q 0 0 0 rg BT 539.86 417.06 Td (VIEs) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 558.36 421.14 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.95 403.06 Td (Funded exposures) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 404.19 407.14 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.85 403.06 Td (Unfunded exposures) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 363.85 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 164.30 389.86 Td (T) Tj ET Q q 0 0 0 rg BT 169.17 389.86 Td (otal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 151.00 380.86 Td (involvement) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 156.60 371.86 Td (with SPE) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 163.00 362.86 Td (assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 205.75 382.06 Td (Consolidated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.70 373.06 Td (VIE / SPE ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 219.00 364.06 Td (assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.75 382.06 Td (Significant) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.25 373.06 Td (unconsolidated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.95 364.06 Td (VIE assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 306.19 368.14 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.25 373.06 Td (Debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.50 364.06 Td (investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 373.06 Td (Equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 364.06 Td (investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.95 373.06 Td (Funding) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.50 364.06 Td (commitments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.75 382.06 Td (Guarantees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.50 373.06 Td (and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.25 364.06 Td (derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.30 364.06 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 350.86 Td (Credit card securitizations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 149.00 350.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.25 350.86 Td (60,503) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 204.00 350.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.25 350.86 Td (60,271) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.00 350.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.50 350.86 Td (232) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 350.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 350.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 350.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 350.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 350.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 350.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.00 350.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 350.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 350.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 350.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 338.06 Td (Mortgage securitizations) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 128.22 342.14 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 324.86 Td (U.S. agency-sponsored) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 168.75 324.86 Td (264,848) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.00 324.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 324.86 Td (264,848) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.75 324.86 Td (5,213) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 324.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 324.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.50 324.86 Td (110) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 324.86 Td (5,323) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 312.86 Td (Non-agency-sponsored) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.25 312.86 Td (17,888) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.75 312.86 Td (1,304) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.25 312.86 Td (16,584) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 312.86 Td (577) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 312.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 312.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.50 312.86 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 312.86 Td (578) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 300.86 Td (Citi-administered asset-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 291.86 Td (backed commercial paper) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 282.86 Td (conduits \(ABCP\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.25 283.06 Td (29,181) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.25 283.06 Td (29,181) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 283.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 283.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 283.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 283.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 283.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 283.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 269.86 Td (Collateralized loan) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 260.86 Td (obligations \(CLOs\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.25 261.06 Td (19,736) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.00 261.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.25 261.06 Td (19,736) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.75 261.06 Td (1,965) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 261.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 261.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 261.06 Td (86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 261.06 Td (2,051) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 247.86 Td (Asset-based financing) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.25 247.86 Td (63,900) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.75 247.86 Td (1,151) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.25 247.86 Td (62,749) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.25 247.86 Td (22,928) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 247.86 Td (66) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.75 247.86 Td (2,271) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.50 247.86 Td (333) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 247.86 Td (25,598) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 235.86 Td (Municipal securities tender) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 226.86 Td (option bond trusts \(TOBs\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.25 227.06 Td (12,280) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.75 227.06 Td (6,671) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 299.75 227.06 Td (5,609) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.50 227.06 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 227.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.75 227.06 Td (3,670) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 227.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 227.06 Td (3,673) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 213.86 Td (Municipal investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.25 213.86 Td (23,706) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.00 213.86 Td (70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.25 213.86 Td (23,636) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.75 213.86 Td (2,014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.75 213.86 Td (2,197) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.75 213.86 Td (2,225) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 213.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 213.86 Td (6,436) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 201.86 Td (Client intermediation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.75 201.86 Td (1,745) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 241.50 201.86 Td (137) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 299.75 201.86 Td (1,608) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 201.86 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 201.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 201.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 201.86 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 201.86 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 189.06 Td (Investment funds) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 101.24 193.14 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 173.25 189.06 Td (31,992) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.75 189.06 Td (1,096) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.25 189.06 Td (30,896) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 189.06 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.50 189.06 Td (382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 189.06 Td (124) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 189.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 189.06 Td (522) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 175.86 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.75 175.86 Td (8,298) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.75 175.86 Td (2,909) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 299.75 175.86 Td (5,389) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 175.86 Td (183) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.75 175.86 Td (1,451) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 175.86 Td (23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 175.86 Td (73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 175.86 Td (1,730) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 163.86 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 163.86 Td (otal) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 57.36 167.94 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 149.00 163.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 168.75 163.86 Td (534,077) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 204.00 163.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.75 163.86 Td (102,790) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.00 163.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 163.86 Td (431,287) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 163.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.25 163.86 Td (32,909) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 163.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.75 163.86 Td (4,096) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.00 163.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.75 163.86 Td (8,313) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.00 163.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.50 163.86 Td (613) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 163.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 163.86 Td (45,931) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 141.90 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 141.90 Td (The definition of maximum exposure to loss is included in the text that follows this table.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 132.30 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 132.30 Td (Included on Citigroup) Tj ET Q q 0 0 0 rg BT 126.88 132.30 Td (s ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 131.99 132.30 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 194.86 132.30 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.41 132.30 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.41 132.30 Td ( Consolidated Balance Sheet.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 122.70 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 122.70 Td (A) Tj ET Q q 0 0 0 rg BT 59.34 122.70 Td ( significant unconsolidated ) Tj ET Q q 0 0 0 rg BT 147.39 122.70 Td (VIE is an entity where the Company has any variable interest or continuing involvement considered to be significant, regardless of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 113.10 Td (the likelihood of loss or the notional amount of exposure.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 103.50 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 103.50 Td (Citigroup mortgage securitizations also include agency and non-agency \(private-label\) re-securitization activities. ) Tj ET Q q 0 0 0 rg BT 419.50 103.50 Td (These SPEs are not consolidated. See Re-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 93.90 Td (securitizations below for further discussion.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 84.30 Td (\(5\) Substantially all of the unconsolidated investment funds) Tj ET Q q 0 0 0 rg BT 234.93 84.30 Td ( assets are related to retirement funds in Mexico managed by Citi. See Investment Funds below for ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 74.70 Td (further discussion.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (\(6\) Citi) Tj ET Q q 0 0 0 rg BT 67.55 65.10 Td (s total involvement with Citicorp SPE assets was ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.21 65.10 Td ($460.5 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 271.10 65.10 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.65 65.10 Td ($481.3 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.54 65.10 Td ( as of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 350.87 65.10 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.74 65.10 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.29 65.10 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 445.29 65.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 487.42 65.10 Td (, with the remainder related ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 55.50 Td (to Citi Holdings. ) Tj ET Q endstream endobj 459 0 obj <> endobj 460 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 24.60 Td (227) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (The previous tables do not include:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 731.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 731.10 Td (certain venture capital investments made by some of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 719.10 Td (Company) Tj ET Q q 0 0 0 rg BT 95.67 719.10 Td (s private equity subsidiaries, as the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 707.10 Td (accounts for these investments in accordance with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 695.10 Td (Investment Company ) Tj ET Q q 0 0 0 rg BT 141.77 695.10 Td (Audit Guide \(codified in ) Tj ET Q q 0 0 0 rg BT 242.31 695.10 Td (ASC 946\);) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 683.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 683.10 Td (certain limited partnerships that are investment funds that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 671.10 Td (qualify for the deferral from the requirements of ) Tj ET Q q 0 0 0 rg BT 248.92 671.10 Td (ASC 810 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 659.10 Td (where the Company is the general partner and the limited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 647.10 Td (partners have the right to replace the general partner or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 635.10 Td (liquidate the funds; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 623.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 623.10 Td (certain investment funds for which the Company provides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 611.10 Td (investment management services and personal estate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 599.10 Td (trusts for which the Company provides administrative, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 587.10 Td (trustee and/or investment management services; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 575.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 575.10 Td (VIEs structured by third parties where the Company holds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 563.10 Td (securities in inventory) Tj ET Q q 0 0 0 rg BT 142.22 563.10 Td (, as these investments are made on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 551.10 Td (arm) Tj ET Q q 0 0 0 rg BT 72.33 551.10 Td (s-length terms; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 539.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 539.10 Td (certain positions in mortgage-backed and asset-backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 527.10 Td (securities held by the Company) Tj ET Q q 0 0 0 rg BT 179.43 527.10 Td (, which are classified as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 515.10 Td (T) Tj ET Q q 0 0 0 rg BT 59.01 515.10 Td (rading account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.23 515.10 Td ( or ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 159.56 515.10 Td (Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.76 515.10 Td (, where the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 503.10 Td (Company has no other involvement with the related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 491.10 Td (securitization entity deemed to be significant \(for more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 479.10 Td (information on these positions, see Notes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.48 479.10 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.48 479.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.91 479.10 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.91 479.10 Td ( to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 467.10 Td (Consolidated Financial Statements\); ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 455.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 455.10 Td (certain representations and warranties exposures in legacy ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 443.10 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.22 443.10 Td (-sponsored mortgage-backed and asset-backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 431.10 Td (securitizations, where the Company has no variable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 419.10 Td (interest or continuing involvement as servicer) Tj ET Q q 0 0 0 rg BT 236.45 419.10 Td (. ) Tj ET Q q 0 0 0 rg BT 241.27 419.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 407.10 Td (outstanding balance of mortgage loans securitized during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 395.10 Td (2005 to 2008 where the Company has no variable interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 383.10 Td (or continuing involvement as servicer was approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 371.10 Td ($12 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.61 371.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.05 371.10 Td ($14 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.67 371.10 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.88 371.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.47 371.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 359.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.00 359.10 Td (, respectively;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 347.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 347.10 Td (certain representations and warranties exposures in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 335.10 Td (Citigroup residential mortgage securitizations, where the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 323.10 Td (original mortgage loan balances are no longer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 311.10 Td (outstanding; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 299.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 299.10 Td (VIEs such as trust preferred securities trusts used in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 287.10 Td (connection with the Company) Tj ET Q q 0 0 0 rg BT 177.03 287.10 Td (s funding activities. ) Tj ET Q q 0 0 0 rg BT 257.95 287.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 275.10 Td (Company does not have a variable interest in these trusts.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 737.10 Td (The asset balances for consolidated ) Tj ET Q q 0 0 0 rg BT 485.93 737.10 Td (VIEs represent the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (carrying amounts of the assets consolidated by the Company) Tj ET Q q 0 0 0 rg BT 566.08 725.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (The carrying amount may represent the amortized cost or the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (current fair value of the assets depending on the legal form of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (the asset \(e.g., security or loan\) and the Company) Tj ET Q q 0 0 0 rg BT 524.78 689.10 Td (s standard ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (accounting policies for the asset type and line of business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 665.10 Td (The asset balances for unconsolidated ) Tj ET Q q 0 0 0 rg BT 495.93 665.10 Td (VIEs where the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (Company has significant involvement represent the most ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (current information available to the Company) Tj ET Q q 0 0 0 rg BT 506.35 641.10 Td (. In most cases, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (the asset balances represent an amortized cost basis without ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (regard to impairments in fair value, unless fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (information is readily available to the Company) Tj ET Q q 0 0 0 rg BT 514.97 605.10 Td (. For ) Tj ET Q q 0 0 0 rg BT 536.18 605.10 Td (VIEs that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (obtain asset exposures synthetically through derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (instruments, the tables generally include the full original ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (notional amount of the derivative as an asset balance.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 557.10 Td (The maximum funded exposure represents the balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (sheet carrying amount of the Company) Tj ET Q q 0 0 0 rg BT 482.57 545.10 Td (s investment in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (VIE. It reflects the initial amount of cash invested in the ) Tj ET Q q 0 0 0 rg BT 550.97 533.10 Td (VIE ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (adjusted for any accrued interest and cash principal payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (received. ) Tj ET Q q 0 0 0 rg BT 362.68 509.10 Td (The carrying amount may also be adjusted for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (increases or declines in fair value or any impairment in value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (recognized in earnings. ) Tj ET Q q 0 0 0 rg BT 419.34 485.10 Td (The maximum exposure of unfunded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (positions represents the remaining undrawn committed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (amount, including liquidity and credit facilities provided by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (the Company) Tj ET Q q 0 0 0 rg BT 376.95 449.10 Td (, or the notional amount of a derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (instrument considered to be a variable interest. In certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (transactions, the Company has entered into derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (instruments or other arrangements that are not considered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (variable interests in the ) Tj ET Q q 0 0 0 rg BT 419.34 401.10 Td (VIE \(e.g., interest rate swaps, cross-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (currency swaps, or where the Company is the purchaser of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (credit protection under a credit default swap or total return ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (swap where the Company pays the total return on certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (assets to the SPE\). Receivables under such arrangements are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (not included in the maximum exposure amounts.) Tj ET Q endstream endobj 461 0 obj <> endobj 462 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 24.60 Td (228) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Funding Commitments for Significant Unconsolidated VIEsLiquidity Facilities and Loan Commitments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (The following table presents the notional amount of liquidity facilities and loan commitments that are classified as funding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (commitments in the ) Tj ET Q q 0 0 0 rg BT 117.75 725.25 Td (VIE tables above:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 664.75 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 664.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 664.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 664.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 664.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 636.75 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 636.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 636.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 636.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 636.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 608.75 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 608.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 608.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 608.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 608.75 72.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 700.75 m 360.5 700.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 700.75 m 432.5 700.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 700.75 m 504.5 700.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 700.75 m 576.5 700.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 678.75 m 288.5 678.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 678.75 m 360.5 678.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 700.75 m 432.5 678.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 678.75 m 432.5 678.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 700.75 m 432.5 678.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 678.75 m 504.5 678.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 678.75 m 576.5 678.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 678.75 m 432.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 678.75 m 432.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 664.75 m 432.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 664.75 m 432.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 650.75 m 432.5 636.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 650.75 m 432.5 636.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 636.75 m 432.5 622.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 636.75 m 432.5 622.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 608.75 m 288.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 608.75 m 360.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 622.75 m 432.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 608.75 m 432.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 622.75 m 432.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 608.75 m 504.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 608.75 m 576.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 608.75 m 288.5 608.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 594.75 m 288.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 608.75 m 360.5 608.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 594.75 m 360.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 608.75 m 432.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 608.75 m 432.5 608.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 594.75 m 432.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 608.75 m 432.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 608.75 m 504.5 608.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 594.75 m 504.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 608.75 m 576.5 608.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 594.75 m 576.5 594.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 323.70 705.20 Td (December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.60 705.21 Td (December 31, 2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 683.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.95 692.15 Td (Liquidity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.00 683.15 Td (facilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.45 692.15 Td (Loan / equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.00 683.15 Td (commitments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.25 692.01 Td (Liquidity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.50 683.01 Td (facilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 692.01 Td (Loan / equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.50 683.01 Td (commitments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 669.21 Td (Asset-based financing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 669.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.50 669.20 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 669.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.75 669.20 Td (3,886) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 669.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.50 669.21 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 669.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 669.21 Td (2,266) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 655.21 Td (Municipal securities tender option bond trusts \(TOBs\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.75 655.20 Td (3,100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.00 655.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.75 655.21 Td (3,670) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 655.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 641.21 Td (Municipal investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.00 641.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.75 641.20 Td (2,338) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 641.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 641.21 Td (2,225) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 627.21 Td (Investment funds) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.00 627.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.50 627.20 Td (102) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 627.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 627.21 Td (124) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 613.21 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.00 613.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.00 613.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 613.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 613.21 Td (23) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 599.20 Td (Total funding commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 599.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.75 599.20 Td (3,105) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 599.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.75 599.20 Td (6,326) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 599.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.75 599.21 Td (3,675) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 599.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 599.21 Td (4,638) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 571.25 Td (Consolidated VIEs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 559.25 Td (The Company engages in on-balance sheet securitizations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 547.25 Td (which are securitizations that do not qualify for sales ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 535.25 Td (treatment; thus, the assets remain on the Company) Tj ET Q q 0 0 0 rg BT 240.40 535.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 523.25 Td (Consolidated Balance Sheet, and any proceeds received are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 511.25 Td (recognized as secured liabilities. ) Tj ET Q q 0 0 0 rg BT 168.27 511.25 Td (The consolidated ) Tj ET Q q 0 0 0 rg BT 239.17 511.25 Td (VIEs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 499.25 Td (included in the tables below represent hundreds of separate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 487.25 Td (entities with which the Company is involved. In general, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 475.25 Td (third-party investors in the obligations of consolidated ) Tj ET Q q 0 0 0 rg BT 255.50 475.25 Td (VIEs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 463.25 Td (have legal recourse only to the assets of the respective ) Tj ET Q q 0 0 0 rg BT 255.18 463.25 Td (VIEs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 451.25 Td (and do not have such recourse to the Company) Tj ET Q q 0 0 0 rg BT 222.52 451.25 Td (, except where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 439.25 Td (the Company has provided a guarantee to the investors or is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 427.25 Td (the counterparty to certain derivative transactions involving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 571.25 Td (the ) Tj ET Q q 0 0 0 rg BT 338.54 571.25 Td (VIE. ) Tj ET Q q 0 0 0 rg BT 360.02 571.25 Td (Thus, the Company) Tj ET Q q 0 0 0 rg BT 441.40 571.25 Td (s maximum legal exposure to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 559.25 Td (loss related to consolidated ) Tj ET Q q 0 0 0 rg BT 434.90 559.25 Td (VIEs is significantly less than the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 547.25 Td (carrying value of the consolidated ) Tj ET Q q 0 0 0 rg BT 462.38 547.25 Td (VIE assets due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 535.25 Td (outstanding third-party financing. Intercompany assets and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 523.25 Td (liabilities are excluded from the table. ) Tj ET Q q 0 0 0 rg BT 477.55 523.25 Td (All ) Tj ET Q q 0 0 0 rg BT 492.65 523.25 Td (VIE assets are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 511.25 Td (restricted from being sold or pledged as collateral. ) Tj ET Q q 0 0 0 rg BT 527.36 511.25 Td (The cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 499.25 Td (flows from these assets are the only source used to pay down ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 487.25 Td (the associated liabilities, which are non-recourse to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 475.25 Td (Company) Tj ET Q q 0 0 0 rg BT 365.67 475.25 Td (s general assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 463.25 Td (The following table presents the carrying amounts and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 451.25 Td (classifications of consolidated assets that are collateral for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 439.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 376.86 439.25 Td (VIE obligations:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 393.75 388.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 393.75 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 393.75 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 369.75 388.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 369.75 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 369.75 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 345.75 388.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 345.75 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 345.75 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 321.75 388.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 321.75 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 321.75 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 297.75 388.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 297.75 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 297.75 76.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 393.75 m 500.5 393.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 393.75 m 576.5 393.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 393.75 m 424.5 393.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 393.75 m 500.5 393.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 393.75 m 576.5 393.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 333.75 m 424.5 333.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 333.75 m 500.5 333.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 333.75 m 576.5 333.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 333.75 m 424.5 333.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 321.75 m 424.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 333.75 m 500.5 333.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 321.75 m 500.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 333.75 m 576.5 333.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 321.75 m 576.5 321.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 321.75 m 424.5 321.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 321.75 m 500.5 321.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 321.75 m 576.5 321.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 285.75 m 424.5 285.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 285.75 m 500.5 285.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 285.75 m 576.5 285.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 285.75 m 424.5 285.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 272.75 m 424.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 285.75 m 500.5 285.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 272.75 m 500.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 285.75 m 576.5 285.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 272.75 m 576.5 272.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 398.00 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.80 407.20 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 398.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.75 407.21 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 398.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 385.01 Td (Cash) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 385.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.75 385.15 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 385.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 385.01 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 373.01 Td (Trading account assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.75 373.15 Td (0.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 373.01 Td (0.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 361.01 Td (Investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.75 361.15 Td (5.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 361.01 Td (8.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 349.01 Td (Total loans, net of allowance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 349.15 Td (78.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 349.01 Td (93.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 337.01 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.75 337.15 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 337.01 Td (0.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 325.15 Td (Total assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 325.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 325.15 Td (84.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 325.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 325.01 Td (102.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 313.01 Td (Short-term borrowings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 313.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 313.15 Td (14.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 313.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 313.01 Td (22.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 301.01 Td (Long-term debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 301.15 Td (31.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 301.01 Td (40.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 289.01 Td (Other liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.75 289.15 Td (2.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 289.01 Td (0.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 277.15 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 277.15 Td (otal liabilities) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 95.93 281.23 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 277.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 277.15 Td (47.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 277.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 277.01 Td (63.7) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 257.25 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 257.25 Td (The total liabilities of consolidated ) Tj ET Q q 0 0 0 rg BT 167.38 257.25 Td (VIEs for which creditors or beneficial interest holders do not have recourse to the general credit of Citi were ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 516.36 257.25 Td ($45.3 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 557.25 257.25 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 249.25 Td ($61.2 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 94.89 249.25 Td ( as of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 114.22 249.25 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 177.09 249.25 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 192.64 249.25 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.64 249.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 250.77 249.25 Td (. Liabilities of consolidated ) Tj ET Q q 0 0 0 rg BT 340.16 249.25 Td (VIEs for which creditors or beneficial interest holders have recourse to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 241.25 Td (the general credit of Citi comprise ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.52 241.25 Td (two) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 177.52 241.25 Td ( items included in the above table: \(i\) credit enhancements provided to consolidated Citi-administered commercial paper ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 233.25 Td (conduits in the form of letters of credit of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 188.41 233.25 Td ($1.9 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 225.30 233.25 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.85 233.25 Td ($2.3 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 277.74 233.25 Td ( at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 287.51 233.25 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 350.38 233.25 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.93 233.25 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 381.93 233.25 Td (, respectively; and \(ii\) credit guarantees provided by Citi to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 225.25 Td (certain consolidated municipal tender option bond trusts of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 244.62 225.25 Td ($82 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.73 225.25 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 297.29 225.25 Td ($198 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.40 225.25 Td ( at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 348.17 225.25 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.04 225.25 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.59 225.25 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.59 225.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 484.72 225.25 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 201.25 Td (Significant Interests in Unconsolidated VIEsBalance Sheet Classification) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 189.25 Td (The following table presents the carrying amounts and classification of significant variable interests in unconsolidated ) Tj ET Q q 0 0 0 rg BT 510.96 189.25 Td (VIEs:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 155.75 388.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 155.75 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 155.75 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 131.75 388.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 131.75 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 131.75 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 107.75 388.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 107.75 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 107.75 76.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 155.75 m 424.5 155.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 155.75 m 500.5 155.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 155.75 m 576.5 155.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 95.75 m 424.5 95.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 95.75 m 500.5 95.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 95.75 m 576.5 95.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 95.75 m 424.5 95.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 82.75 m 424.5 82.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 95.75 m 500.5 95.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 82.75 m 500.5 82.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 95.75 m 576.5 95.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 82.75 m 576.5 82.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 160.00 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.80 169.20 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 160.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.75 169.21 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 160.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 147.01 Td (Cash) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 147.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.75 147.15 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 147.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 147.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 135.01 Td (Trading account assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.75 135.15 Td (6.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 135.01 Td (7.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 123.01 Td (Investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.75 123.15 Td (3.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 123.01 Td (2.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 111.01 Td (Total loans, net of allowance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 111.15 Td (28.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 111.01 Td (25.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 99.01 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.75 99.15 Td (1.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 99.01 Td (2.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 87.15 Td (Total assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 87.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 87.15 Td (39.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 87.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 87.01 Td (37.2) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 463 0 obj <> endobj 464 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 24.60 Td (229) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Credit Card Securitizations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (The Company securitizes credit card receivables through trusts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (established to purchase the receivables. Citigroup transfers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (receivables into the trusts on a non-recourse basis. Credit card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (securitizations are revolving securitizations; as customers pay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (their credit card balances, the cash proceeds are used to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (purchase new receivables and replenish the receivables in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (trust.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 653.25 Td (Substantially all of the Company) Tj ET Q q 0 0 0 rg BT 188.43 653.25 Td (s credit card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (securitization activity is through two trustsCitibank Credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (Card Master ) Tj ET Q q 0 0 0 rg BT 88.03 629.25 Td (T) Tj ET Q q 0 0 0 rg BT 93.78 629.25 Td (rust \(Master ) Tj ET Q q 0 0 0 rg BT 144.70 629.25 Td (T) Tj ET Q q 0 0 0 rg BT 150.46 629.25 Td (rust\) and the Citibank Omni ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (Master ) Tj ET Q q 0 0 0 rg BT 66.09 617.25 Td (T) Tj ET Q q 0 0 0 rg BT 71.84 617.25 Td (rust \(Omni ) Tj ET Q q 0 0 0 rg BT 117.77 617.25 Td (T) Tj ET Q q 0 0 0 rg BT 123.53 617.25 Td (rust\), with the substantial majority ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (through the Master ) Tj ET Q q 0 0 0 rg BT 114.41 605.25 Td (T) Tj ET Q q 0 0 0 rg BT 120.17 605.25 Td (rust. ) Tj ET Q q 0 0 0 rg BT 142.49 605.25 Td (These trusts are consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (entities because, as servicer) Tj ET Q q 0 0 0 rg BT 146.10 593.25 Td (, Citigroup has the power to direct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (the activities that most significantly impact the economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (performance of the trusts, Citigroup holds a seller) Tj ET Q q 0 0 0 rg BT 523.21 737.10 Td () Tj ET Q q 0 0 0 rg BT 525.99 737.10 Td (s interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (and certain securities issued by the trusts, and also provides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (liquidity facilities to the trusts, which could result in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (potentially significant losses or benefits from the trusts. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 373.34 689.10 Td (, the transferred credit card receivables remain on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 677.10 Td (s Consolidated Balance Sheet with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.15 677.10 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.15 677.10 Td ( gain or loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (recognized. ) Tj ET Q q 0 0 0 rg BT 372.68 665.10 Td (The debt issued by the trusts to third parties is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (included on Citi) Tj ET Q q 0 0 0 rg BT 391.22 653.10 Td (s Consolidated Balance Sheet. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 641.10 Td (The Company utilizes securitizations as one of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (sources of funding for its business in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 473.71 629.10 Td (North ) Tj ET Q q 0 0 0 rg BT 499.37 629.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.24 629.10 Td (. ) Tj ET Q q 0 0 0 rg BT 538.06 629.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (following table reflects amounts related to the Company) Tj ET Q q 0 0 0 rg BT 551.99 617.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (securitized credit card receivables:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 538.75 388.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 538.75 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 538.75 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 514.75 388.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 514.75 76.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 514.75 76.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 550.75 m 424.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 550.75 m 500.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 550.75 m 576.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 550.75 m 424.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 502.75 m 424.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 502.75 m 500.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 502.75 m 576.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 502.75 m 424.5 502.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 490.75 m 424.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 502.75 m 500.5 502.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 490.75 m 500.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 502.75 m 576.5 502.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 490.75 m 576.5 490.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 555.00 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.80 564.20 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 555.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.75 564.21 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 555.21 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 542.15 Td (Ownership interests in principal amount of trust credit card receivables) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 530.01 Td ( Sold to investors via trust-issued securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 530.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 530.15 Td (29.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 530.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 530.01 Td (37.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 518.01 Td ( Retained by Citigroup as trust-issued securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.75 518.15 Td (9.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 518.01 Td (10.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 506.01 Td ( Retained by Citigroup via non-certificated interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 506.15 Td (16.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 506.01 Td (14.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 494.15 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 494.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.25 494.15 Td (55.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 494.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 494.01 Td (61.3) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 467.25 Td (The following tables summarize selected cash flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 455.25 Td (information related to Citigroup) Tj ET Q q 0 0 0 rg BT 166.81 455.25 Td (s credit card securitizations:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 432.75 141.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 176.50 432.75 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 213.50 432.75 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 432.75 37.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 432.75 m 176.5 432.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 432.75 m 213.5 432.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.5 432.75 m 250.5 432.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 432.75 m 287.5 432.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 408.75 m 176.5 408.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 408.75 m 213.5 408.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 213.5 408.75 m 250.5 408.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 408.75 m 287.5 408.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 436.70 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 185.50 436.15 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.50 436.01 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.50 436.01 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 424.01 Td (Proceeds from new securitizations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 179.00 424.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.00 424.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 216.00 424.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 231.25 424.01 Td (12.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.00 424.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.25 424.01 Td (11.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 412.01 Td (Pay down of maturing notes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.75 412.15 Td (\(7.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.00 412.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.75 412.01 Td (\(7.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 247.00 412.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.75 412.01 Td (\(2.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 412.01 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 385.25 Td (Managed Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 373.25 Td (After securitization of credit card receivables, the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 361.25 Td (continues to maintain credit card customer account ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 349.25 Td (relationships and provides servicing for receivables transferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 337.25 Td (to the trusts. ) Tj ET Q q 0 0 0 rg BT 87.11 337.25 Td (As a result, the Company considers the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 325.25 Td (securitized credit card receivables to be part of the business it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 313.25 Td (manages. ) Tj ET Q q 0 0 0 rg BT 75.43 313.25 Td (As Citigroup consolidates the credit card trusts, all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 301.25 Td (managed securitized card receivables are on-balance sheet.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 277.25 Td (Funding, Liquidity Facilities and Subor) Tj ET Q q 0 0 0 rg BT 194.79 277.25 Td (dinated Inter) Tj ET Q q 0 0 0 rg BT 246.35 277.25 Td (ests) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 265.25 Td (As noted above, Citigroup securitizes credit card receivables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 253.25 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.61 253.25 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.61 253.25 Td ( securitization trustsMaster ) Tj ET Q q 0 0 0 rg BT 205.23 253.25 Td (T) Tj ET Q q 0 0 0 rg BT 210.99 253.25 Td (rust, which is part ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 241.25 Td (of Citicorp, and Omni ) Tj ET Q q 0 0 0 rg BT 126.64 241.25 Td (T) Tj ET Q q 0 0 0 rg BT 132.40 241.25 Td (rust, substantially all of which is also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 229.25 Td (part of Citicorp. ) Tj ET Q q 0 0 0 rg BT 102.47 229.25 Td (The liabilities of the trusts are included in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 217.25 Td (Consolidated Balance Sheet, excluding those retained by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 205.25 Td (Citigroup.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 193.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 467.25 Td (The Master ) Tj ET Q q 0 0 0 rg BT 390.13 467.25 Td (T) Tj ET Q q 0 0 0 rg BT 395.89 467.25 Td (rust issues fixed- and floating-rate term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 455.25 Td (notes. Some of the term notes are issued to multi-seller ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 443.25 Td (commercial paper conduits. ) Tj ET Q q 0 0 0 rg BT 437.11 443.25 Td (The weighted average maturity of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 431.25 Td (the term notes issued by the Master ) Tj ET Q q 0 0 0 rg BT 467.96 431.25 Td (T) Tj ET Q q 0 0 0 rg BT 473.71 431.25 Td (rust was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.26 431.25 Td (2.4 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.36 431.25 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 419.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.58 419.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.02 419.25 Td (2.8 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.12 419.25 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.28 419.25 Td (December31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.87 419.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 395.25 Td (Master) Tj ET Q q 0 0 0 rg BT 354.36 395.25 Td ( ) Tj ET Q q 0 0 0 rg BT 356.68 395.25 Td (T) Tj ET Q q 0 0 0 rg BT 362.60 395.25 Td (rust Liabilities \(at Par) Tj ET Q q 0 0 0 rg BT 457.13 395.25 Td ( ) Tj ET Q q 0 0 0 rg BT 459.45 395.25 Td (V) Tj ET Q q 0 0 0 rg BT 465.76 395.25 Td (alue\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 363.75 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 363.75 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 363.75 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 330.75 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 330.75 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 330.75 54.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 363.75 m 468.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 363.75 m 522.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 363.75 m 576.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 330.75 m 468.5 330.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 330.75 m 522.5 330.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 330.75 m 576.5 330.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 330.75 m 468.5 330.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 318.75 m 468.5 318.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 330.75 m 522.5 330.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 318.75 m 522.5 318.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 330.75 m 576.5 330.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 318.75 m 576.5 318.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 327.00 368.00 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.85 376.15 Td (Dec. 31, ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.00 367.15 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.85 376.01 Td (Dec. 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 367.01 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 355.01 Td (Term notes issued to third parties) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.00 355.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.25 355.15 Td (28.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 355.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 355.01 Td (35.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 343.01 Td (Term notes retained by Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 334.01 Td (affiliates) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 335.20 Td (7.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 335.21 Td (8.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 322.15 Td (Total Master Trust liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.00 322.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.25 322.15 Td (35.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 322.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 322.01 Td (43.9) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 295.25 Td (The Omni ) Tj ET Q q 0 0 0 rg BT 385.14 295.25 Td (T) Tj ET Q q 0 0 0 rg BT 390.90 295.25 Td (rust issues fixed- and floating-rate term notes, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 283.25 Td (some of which are purchased by multi-seller commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 271.25 Td (paper conduits. ) Tj ET Q q 0 0 0 rg BT 387.41 271.25 Td (The weighted average maturity of the third-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 259.25 Td (party term notes issued by the Omni ) Tj ET Q q 0 0 0 rg BT 471.29 259.25 Td (T) Tj ET Q q 0 0 0 rg BT 477.05 259.25 Td (rust was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.60 259.25 Td (0.9 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.70 259.25 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 247.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.58 247.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.02 247.25 Td (1.9 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.12 247.25 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.28 247.25 Td (December31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 560.87 247.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 223.25 Td (Omni ) Tj ET Q q 0 0 0 rg BT 350.77 223.25 Td (T) Tj ET Q q 0 0 0 rg BT 356.70 223.25 Td (rust Liabilities \(at Par) Tj ET Q q 0 0 0 rg BT 451.23 223.25 Td ( ) Tj ET Q q 0 0 0 rg BT 453.55 223.25 Td (V) Tj ET Q q 0 0 0 rg BT 459.85 223.25 Td (alue\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 191.75 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 191.75 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 191.75 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 158.75 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 158.75 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 158.75 54.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 191.75 m 468.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 191.75 m 522.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 191.75 m 576.5 191.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 158.75 m 468.5 158.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 158.75 m 522.5 158.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 158.75 m 576.5 158.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 158.75 m 468.5 158.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 146.75 m 468.5 146.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 158.75 m 522.5 158.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 146.75 m 522.5 146.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 158.75 m 576.5 158.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 146.75 m 576.5 146.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 327.00 196.00 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.85 204.15 Td (Dec. 31, ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.00 195.15 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.85 204.01 Td (Dec. 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 195.01 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 183.01 Td (Term notes issued to third parties) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.00 183.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 183.15 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 183.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 183.01 Td (1.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 171.01 Td (Term notes retained by Citigroup) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 162.01 Td (affiliates) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 163.20 Td (1.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 163.21 Td (1.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 150.15 Td (Total Omni Trust liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.00 150.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 150.15 Td (3.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 150.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 150.01 Td (3.2) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 465 0 obj <> endobj 466 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 24.60 Td (230) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Mortgage Securitizations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (The Company provides a wide range of mortgage loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (products to a diverse customer base. Once originated, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (Company often securitizes these loans through the use of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (VIEs. ) Tj ET Q q 0 0 0 rg BT 61.37 701.25 Td (These ) Tj ET Q q 0 0 0 rg BT 87.57 701.25 Td (VIEs are funded through the issuance of trust ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (certificates backed solely by the transferred assets. ) Tj ET Q q 0 0 0 rg BT 240.73 689.25 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (certificates have the same life as the transferred assets. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (addition to providing a source of liquidity and less expensive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (funding, securitizing these assets also reduces the Company) Tj ET Q q 0 0 0 rg BT 278.16 653.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (credit exposure to the borrowers. ) Tj ET Q q 0 0 0 rg BT 170.22 641.25 Td (These mortgage loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (securitizations are primarily non-recourse, thereby ef) Tj ET Q q 0 0 0 rg BT 247.95 629.25 Td (fectively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (transferring the risk of future credit losses to the purchasers of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (the securities issued by the trust. However) Tj ET Q q 0 0 0 rg BT 204.73 605.25 Td (, the Company) Tj ET Q q 0 0 0 rg BT 266.11 605.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (U.S. consumer mortgage business generally retains the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (servicing rights and in certain instances retains investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (securities, interest-only strips and residual interests in future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (cash flows from the trusts and also provides servicing for a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (limited number of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 110.71 545.25 Td (ICG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.93 545.25 Td ( securitizations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 533.25 Td (The Company securitizes mortgage loans generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (through either a government-sponsored agency) Tj ET Q q 0 0 0 rg BT 223.62 521.25 Td (, such as Ginnie ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (Mae, Fannie Mae or Freddie Mac \(U.S. agency-sponsored ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (mortgages\), or private-label \(non-agency-sponsored ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (mortgages\) securitization. ) Tj ET Q q 0 0 0 rg BT 430.17 737.10 Td (The Company is not the primary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (beneficiary of its U.S. agency-sponsored mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (securitizations because Citigroup does not have the power to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (direct the activities of the ) Tj ET Q q 0 0 0 rg BT 427.95 701.10 Td (VIE that most significantly impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (the entity) Tj ET Q q 0 0 0 rg BT 364.27 689.10 Td (s economic performance. ) Tj ET Q q 0 0 0 rg BT 467.37 689.10 Td (Therefore, Citi does not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (consolidate these U.S. agency-sponsored mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (securitizations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 653.10 Td (The Company does not consolidate certain non-agency-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (sponsored mortgage securitizations because Citi is either not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (the servicer with the power to direct the significant activities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (of the entity or Citi is the servicer but the servicing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (relationship is deemed to be a fiduciary relationship; therefore, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (Citi is not deemed to be the primary beneficiary of the entity) Tj ET Q q 0 0 0 rg BT 565.78 593.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 581.10 Td (In certain instances, the Company has \(i\) the power to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (direct the activities and \(ii\) the obligation to either absorb ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (losses or the right to receive benefits that could be potentially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (significant to its non-agency-sponsored mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (securitizations and, therefore, is the primary beneficiary and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (thus consolidates the ) Tj ET Q q 0 0 0 rg BT 409.64 521.10 Td (VIE.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (The following tables summarize selected cash flow information related to Citigroup mortgage securitizations:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 405.75 312.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.50 405.75 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 405.75 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 405.75 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 405.75 57.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 460.75 m 404.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 460.75 m 461.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 460.75 m 518.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 460.75 m 575.5 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 419.75 m 347.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 419.75 m 404.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 419.75 m 461.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 419.75 m 518.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 419.75 m 575.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 419.75 m 404.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 419.75 m 461.5 419.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 377.75 m 347.5 377.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 377.75 m 404.5 377.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 377.75 m 461.5 377.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 377.75 m 518.5 377.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 377.75 m 575.5 377.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 465.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.50 465.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.50 465.21 Td (2013) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 424.00 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 351.60 442.20 Td (U.S. agency-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.05 433.20 Td (sponsored) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.50 424.20 Td (mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.25 442.20 Td (Non-agency-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.05 433.20 Td (sponsored) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 424.20 Td (mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.35 451.21 Td (Agency- and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.00 442.21 Td (non-agency-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.25 433.21 Td (sponsored) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 424.21 Td (mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.35 451.21 Td (Agency- and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 442.21 Td (non-agency-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.25 433.21 Td (sponsored) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.75 424.21 Td (mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 410.21 Td (Proceeds from new securitizations) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 161.71 414.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.00 410.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.25 410.20 Td (25.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 410.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.25 410.20 Td (12.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.00 410.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.25 410.21 Td (39.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 410.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 410.21 Td (72.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 396.21 Td (Contractual servicing fees received) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.75 396.20 Td (0.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 396.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.75 396.21 Td (0.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 396.21 Td (0.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 382.21 Td (Cash flows received on retained interests and other net cash flows) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.75 382.20 Td (0.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.00 382.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.75 382.21 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 382.21 Td (0.1) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 362.25 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 47.18 362.25 Td (The proceeds from new securitizations in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 181.36 362.25 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 197.36 362.25 Td ( include ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 224.91 362.25 Td ($0.7 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 261.80 362.25 Td ( related to personal loan securitizations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 338.25 Td (Agency and non-agency securitization gains for the year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 326.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.38 326.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.96 326.25 Td ( were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.39 326.25 Td ($150 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.78 326.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.22 326.25 Td ($44 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.61 326.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 314.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 83.66 314.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 338.25 Td (Agency and non-agency securitization gains for the years ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 326.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.38 326.25 Td (December31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.96 326.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.40 326.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.40 326.25 Td ( were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.83 326.25 Td ($267 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.22 326.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 314.25 Td ($223 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.39 314.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 428.05 314.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 290.25 Td (Key assumptions used in measuring the fair value of retained interests at the date of sale or securitization of mortgage receivables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 278.25 Td (were as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 207.75 282.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.50 207.75 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 207.75 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 207.75 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 181.75 282.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.50 181.75 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 181.75 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 181.75 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 155.75 282.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.50 155.75 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 155.75 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 155.75 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 129.75 282.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.50 129.75 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 129.75 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 129.75 86.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 253.75 m 404.5 253.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 253.75 m 490.5 253.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 253.75 m 576.5 253.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 239.75 m 490.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 239.75 m 576.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 207.75 m 318.5 207.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 207.75 m 404.5 207.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 207.75 m 490.5 207.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 207.75 m 576.5 207.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 116.75 m 318.5 116.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 116.75 m 404.5 116.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 116.75 m 490.5 116.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 116.75 m 576.5 116.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.70 258.20 Td (December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.80 244.20 Td (Non-agency-sponsor) Tj ET Q q 0 0 0 rg BT 500.14 244.20 Td (ed mortgages) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 551.38 248.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.10 230.32 Td (U.S. agency-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.85 230.32 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.55 221.15 Td (sponsor) Tj ET Q q 0 0 0 rg BT 371.40 221.15 Td (ed ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 212.15 Td (mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.45 221.37 Td (Senior) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.45 221.37 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.80 212.20 Td (inter) Tj ET Q q 0 0 0 rg BT 449.13 212.20 Td (ests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 506.70 221.37 Td (Subordinated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.22 221.37 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.80 212.20 Td (inter) Tj ET Q q 0 0 0 rg BT 535.13 212.20 Td (ests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 199.01 Td (Discount rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.45 199.15 Td (0.0% to 11.3%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.50 199.15 Td (2.0% to 3.2%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.00 199.15 Td (2.9% to 12.1%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 186.01 Td ( Weighted average discount rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.75 186.15 Td (8.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 186.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.75 186.15 Td (2.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 186.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.75 186.15 Td (5.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 186.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 173.01 Td (Constant prepayment rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.00 173.15 Td (5.7% to 34.9%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 173.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.50 173.15 Td (2.8% to 8.0%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 160.01 Td ( Weighted average constant prepayment rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.25 160.15 Td (11.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 160.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 160.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 555.75 160.15 Td (3.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 160.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 147.01 Td (Anticipated net credit losses) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 140.72 151.09 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.25 147.15 Td ( NM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.25 147.15 Td (40.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 147.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.50 147.15 Td (38.1% to 92.0%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 134.01 Td ( Weighted average anticipated net credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.25 134.15 Td ( NM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.25 134.15 Td (40.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 134.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.25 134.15 Td (70.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 134.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 121.01 Td (Weighted average life) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.25 121.15 Td (3.5 to 10.4 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 121.15 Td (2.5 to 9.8 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.25 121.15 Td (8.9 to 12.9 years) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 467 0 obj <> endobj 468 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 24.60 Td (231) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 695.50 282.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 695.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 695.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 695.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 669.50 282.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 669.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 669.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 669.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 643.50 282.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 643.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 643.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 643.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 617.50 282.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 617.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 617.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 617.50 86.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 741.5 m 403.5 741.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 741.5 m 489.5 741.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 741.5 m 575.5 741.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 727.5 m 489.5 727.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 727.5 m 575.5 727.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 695.5 m 317.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 695.5 m 403.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 695.5 m 489.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 695.5 m 575.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 695.5 m 403.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 695.5 m 489.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 695.5 m 575.5 695.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 604.5 m 317.5 604.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 604.5 m 403.5 604.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 604.5 m 489.5 604.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 604.5 m 575.5 604.5 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.60 745.96 Td (December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.95 731.96 Td (Non-agency-sponsored mortgages) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 547.16 736.04 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.60 708.96 Td (U.S. agency-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.85 699.96 Td (sponsored mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.25 708.96 Td (Senior) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.00 699.96 Td (interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 708.96 Td (Subordinated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 699.96 Td (interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 686.76 Td (Discount rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.50 686.76 Td (0.0% to 14.7%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.00 686.76 Td (1.4% to 6.6%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 686.76 Td (2.6% to 9.1%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 673.76 Td ( Weighted average discount rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 673.76 Td (11.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.50 673.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.25 673.76 Td (4.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 673.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 673.76 Td (7.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 673.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 660.76 Td (Constant prepayment rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.50 660.76 Td (0.0% to 23.1%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.00 660.76 Td (0.0% to 7.0%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 660.76 Td (0.5% to 8.9%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 647.76 Td ( Weighted average constant prepayment rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.25 647.76 Td (6.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.50 647.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.25 647.76 Td (5.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 647.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 647.76 Td (3.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 647.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 634.76 Td (Anticipated net credit losses) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 139.72 638.84 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.70 634.76 Td ( NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.00 634.76 Td (40.0% to 67.1%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 634.76 Td (8.9% to 58.5%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 621.76 Td ( Weighted average anticipated net credit losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.70 621.76 Td ( NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 621.76 Td (56.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 621.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 621.76 Td (43.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 621.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 608.76 Td (Weighted average life) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.75 608.76 Td (0.0 to 9.7 years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.55 608.76 Td (2.6 to 11.1 years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.25 608.76 Td (3.0 to 14.5 years) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 585.80 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 585.80 Td (Disclosure of non-agency-sponsored mortgages as senior and subordinated interests is indicative of the interests) Tj ET Q q 0 0 0 rg BT 414.42 585.80 Td ( position in the capital structure of the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 576.20 Td (securitization.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 566.60 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 566.60 Td (Anticipated net credit losses represent estimated loss severity associated with defaulted mortgage loans underlying the mortgage securitizations disclosed above. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 557.05 Td (Anticipated net credit losses, in this instance, do not represent total credit losses incurred to date, nor do they represent credit losses expected on retained interests ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 547.45 Td (in mortgage securitizations.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 537.85 Td (NM ) Tj ET Q q 0 0 0 rg BT 54.00 537.85 Td (Anticipated net credit losses are not meaningful due to U.S. agency guarantees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 516.25 Td (The interests retained by the Company range from highly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 504.25 Td (rated and/or senior in the capital structure to unrated and/or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 492.25 Td (residual interests.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 480.25 Td (The key assumptions used to value retained interests, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 468.25 Td (the sensitivity of the fair value to adverse changes of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.26 468.25 Td (10%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.59 468.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 456.25 Td (20%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.33 456.25 Td ( in each of the key assumptions, are set forth in the tables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 516.25 Td (below) Tj ET Q q 0 0 0 rg BT 347.79 516.25 Td (. ) Tj ET Q q 0 0 0 rg BT 352.61 516.25 Td (The negative ef) Tj ET Q q 0 0 0 rg BT 414.62 516.25 Td (fect of each change is calculated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 504.25 Td (independently) Tj ET Q q 0 0 0 rg BT 380.00 504.25 Td (, holding all other assumptions constant. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 492.25 Td (Because the key assumptions may not be independent, the net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 480.25 Td (ef) Tj ET Q q 0 0 0 rg BT 331.59 480.25 Td (fect of simultaneous adverse changes in the key assumptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 468.25 Td (may be less than the sum of the individual ef) Tj ET Q q 0 0 0 rg BT 502.95 468.25 Td (fects shown ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 456.25 Td (below) Tj ET Q q 0 0 0 rg BT 347.79 456.25 Td (.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 385.70 281.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 385.70 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 385.70 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 385.70 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 359.70 281.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 359.70 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 359.70 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 359.70 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 333.70 281.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 333.70 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 333.70 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 333.70 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 307.70 281.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 307.70 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 307.70 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 307.70 86.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 431.7 m 403.5 431.7 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 431.7 m 489.5 431.7 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 431.7 m 575.5 431.7 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 417.7 m 489.5 417.7 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 417.7 m 575.5 417.7 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 385.7 m 317.5 385.7 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 385.7 m 403.5 385.7 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 385.7 m 489.5 385.7 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 385.7 m 575.5 385.7 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 294.7 m 317.5 294.7 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 294.7 m 403.5 294.7 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 294.7 m 489.5 294.7 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 294.7 m 575.5 294.7 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.70 436.15 Td (December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.80 422.15 Td (Non-agency-sponsor) Tj ET Q q 0 0 0 rg BT 499.14 422.15 Td (ed mortgages) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 550.38 426.23 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.10 408.27 Td (U.S. agency-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.85 408.27 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.55 399.10 Td (sponsor) Tj ET Q q 0 0 0 rg BT 370.40 399.10 Td (ed ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.00 390.10 Td (mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.45 399.32 Td (Senior) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.45 399.32 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.80 390.15 Td (inter) Tj ET Q q 0 0 0 rg BT 448.13 390.15 Td (ests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.70 399.32 Td (Subordinated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.22 399.32 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.80 390.15 Td (inter) Tj ET Q q 0 0 0 rg BT 534.13 390.15 Td (ests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 376.96 Td (Discount rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.25 377.10 Td ( 0.0% to 22.1%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.25 377.10 Td ( 1.6% to 67.6%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.25 377.10 Td ( 2.0% to 24.9%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 363.96 Td ( Weighted average discount rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.75 364.10 Td (5.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 364.10 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.75 364.10 Td (7.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 364.10 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 554.75 364.10 Td (8.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 566.00 364.10 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 350.96 Td (Constant prepayment rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 343.00 351.10 Td (6.5% to 27.8%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 351.10 Td ( 4.2% to 100.0%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.25 351.10 Td ( 0.5% to 20.8%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 337.96 Td ( Weighted average constant prepayment rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.25 338.10 Td (12.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 338.10 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.25 338.10 Td (14.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 338.10 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 554.75 338.10 Td (7.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 566.00 338.10 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 324.96 Td (Anticipated net credit losses) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 140.72 329.04 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.25 325.10 Td ( NM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.25 325.10 Td ( 0.2% to 89.1%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.25 325.10 Td ( 3.8% to 92.0%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 311.96 Td ( Weighted average anticipated net credit losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.25 312.10 Td ( NM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.25 312.10 Td (48.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 312.10 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.25 312.10 Td (54.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 566.00 312.10 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 298.96 Td (Weighted average life) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.25 299.10 Td (1.3 to 21.0 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.50 299.10 Td ( 0.3 to 18.1 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.50 299.10 Td ( 0.9 to 19.0 years) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 224.70 281.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 224.70 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 224.70 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 224.70 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 198.70 281.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 198.70 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 198.70 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 198.70 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 172.70 281.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 172.70 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 172.70 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 172.70 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 146.70 281.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 146.70 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 146.70 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 146.70 86.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 270.70000000000005 m 403.5 270.70000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 270.70000000000005 m 489.5 270.70000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 270.70000000000005 m 575.5 270.70000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 256.70000000000005 m 489.5 256.70000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 256.70000000000005 m 575.5 256.70000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 224.70000000000005 m 317.5 224.70000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 224.70000000000005 m 403.5 224.70000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 224.70000000000005 m 489.5 224.70000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 224.70000000000005 m 575.5 224.70000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 133.70000000000005 m 317.5 133.70000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 133.70000000000005 m 403.5 133.70000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 133.70000000000005 m 489.5 133.70000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 133.70000000000005 m 575.5 133.70000000000005 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.60 275.16 Td (December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.95 261.16 Td (Non-agency-sponsored mortgages) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 547.16 265.24 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.60 238.47 Td (U.S. agency-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.34 238.47 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.85 229.16 Td (sponsored mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.25 238.47 Td (Senior) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.75 238.47 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.00 229.16 Td (interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 238.47 Td (Subordinated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 555.99 238.47 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 229.16 Td (interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 215.96 Td (Discount rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.75 215.96 Td ( 0.0% to 21.2%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.75 215.96 Td ( 1.1% to 47.1%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 215.96 Td ( 1.3% to 19.6%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 202.96 Td ( Weighted average discount rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.25 202.96 Td (8.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.50 202.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.25 202.96 Td (7.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 202.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 202.96 Td (8.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 202.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 189.96 Td (Constant prepayment rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.50 189.96 Td (6.0% to 41.4%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 189.96 Td ( 2.0% to 100.0%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.75 189.96 Td ( 0.5% to 16.2%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 176.96 Td ( Weighted average constant prepayment rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 176.96 Td (15.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.50 176.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 176.96 Td (10.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 176.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 176.96 Td (7.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 176.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 163.96 Td (Anticipated net credit losses) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 140.72 168.04 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.70 163.96 Td ( NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.75 163.96 Td ( 0.0% to 92.4%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.25 163.96 Td ( 13.7% to 83.8%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 150.96 Td ( Weighted average anticipated net credit losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.70 150.96 Td ( NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 150.96 Td (51.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 150.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 150.96 Td (52.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 150.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 137.96 Td (Weighted average life) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.25 137.96 Td (0.0 to 16.0 years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.50 137.96 Td ( 0.3 to 14.4 years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.50 137.96 Td ( 0.0 to 24.4 years) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 115.00 Td (Note: Citi Holdings held no subordinated interests in mortgage securitizations as of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.84 115.00 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.71 115.00 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 383.26 115.00 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.26 115.00 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 105.40 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 105.40 Td (Disclosure of non-agency-sponsored mortgages as senior and subordinated interests is indicative of the interests) Tj ET Q q 0 0 0 rg BT 414.42 105.40 Td ( position in the capital structure of the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 95.80 Td (securitization.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 86.20 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 86.20 Td (Anticipated net credit losses represent estimated loss severity associated with defaulted mortgage loans underlying the mortgage securitizations disclosed above. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 76.60 Td (Anticipated net credit losses, in this instance, do not represent total credit losses incurred to date, nor do they represent credit losses expected on retained interests ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 67.00 Td (in mortgage securitizations.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 57.40 Td (NM ) Tj ET Q q 0 0 0 rg BT 54.00 57.40 Td (Anticipated net credit losses are not meaningful due to U.S. agency guarantees.) Tj ET Q endstream endobj 469 0 obj <> endobj 470 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 24.60 Td (232) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 709.50 281.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 709.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 709.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 709.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 685.50 281.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 685.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 685.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 685.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 659.50 281.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 659.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 659.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 659.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 633.50 281.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 633.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 633.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 633.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 607.50 281.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 607.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 607.50 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 607.50 86.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 741.5 m 489.5 741.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 741.5 m 575.5 741.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 709.5 m 317.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 709.5 m 403.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 741.5 m 489.5 741.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 709.5 m 489.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 741.5 m 575.5 741.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 709.5 m 575.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 709.5 m 317.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 696.5 m 317.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 709.5 m 403.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 696.5 m 403.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 709.5 m 489.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 696.5 m 489.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 709.5 m 575.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 696.5 m 575.5 696.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 581.5 m 317.5 581.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 581.5 m 403.5 581.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 581.5 m 489.5 581.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 581.5 m 575.5 581.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.80 745.95 Td (Non-agency-sponsor) Tj ET Q q 0 0 0 rg BT 499.14 745.95 Td (ed mortgages) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 550.38 750.03 Td (\(1\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 713.75 Td (In millions of dollars at December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.10 732.07 Td (U.S. agency-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.85 732.07 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.55 722.90 Td (sponsor) Tj ET Q q 0 0 0 rg BT 370.40 722.90 Td (ed ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.00 713.90 Td (mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.45 723.12 Td (Senior) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.45 723.12 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.80 713.95 Td (inter) Tj ET Q q 0 0 0 rg BT 448.13 713.95 Td (ests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.70 723.12 Td (Subordinated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.22 723.12 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.80 713.95 Td (inter) Tj ET Q q 0 0 0 rg BT 534.13 713.95 Td (ests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 700.90 Td (Carrying value of retained interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 700.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.40 700.90 Td (2,563) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 700.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.15 700.90 Td (179) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 700.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.15 700.90 Td (553) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 687.81 Td (Discount rates) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 676.76 Td ( Adverse change of 10%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 676.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.65 676.90 Td (\(65) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.65 676.90 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 676.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.15 676.90 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.65 676.90 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.00 676.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.65 676.90 Td (\(25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 571.65 676.90 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 663.76 Td ( Adverse change of 20%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.15 663.90 Td (\(127) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.65 663.90 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.65 663.90 Td (\(15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.65 663.90 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.65 663.90 Td (\(49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 571.65 663.90 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 650.76 Td (Constant prepayment rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 637.76 Td ( Adverse change of 10%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.15 637.90 Td (\(102) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.65 637.90 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.15 637.90 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.65 637.90 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.15 637.90 Td (\(9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 571.65 637.90 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 624.76 Td ( Adverse change of 20%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.15 624.90 Td (\(196) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.65 624.90 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.15 624.90 Td (\(6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.65 624.90 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.65 624.90 Td (\(18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 571.65 624.90 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 611.76 Td (Anticipated net credit losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 598.76 Td ( Adverse change of 10%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.00 598.90 Td (NM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.15 598.90 Td (\(6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.65 598.90 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.15 598.90 Td (\(7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 571.65 598.90 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 585.76 Td ( Adverse change of 20%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.00 585.90 Td (NM) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.65 585.90 Td (\(11) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.65 585.90 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.65 585.90 Td (\(14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 571.65 585.90 Td (\)) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 523.10 281.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 523.10 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 523.10 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 523.10 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 499.10 281.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 499.10 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 499.10 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 499.10 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 473.10 281.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 473.10 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 473.10 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 473.10 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 447.10 281.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 447.10 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 447.10 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 447.10 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 421.10 281.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 421.10 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 421.10 86.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 421.10 86.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 555.1 m 489.5 555.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 555.1 m 575.5 555.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 523.1 m 317.5 523.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 523.1 m 403.5 523.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 555.1 m 489.5 555.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 523.1 m 489.5 523.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 555.1 m 575.5 555.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 523.1 m 575.5 523.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 523.1 m 317.5 523.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 510.1 m 317.5 510.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 523.1 m 403.5 523.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 510.1 m 403.5 510.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 523.1 m 489.5 523.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 510.1 m 489.5 510.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 523.1 m 575.5 523.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 510.1 m 575.5 510.1 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 395.1 m 317.5 395.1 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 395.1 m 403.5 395.1 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 395.1 m 489.5 395.1 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 395.1 m 575.5 395.1 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.95 559.56 Td (Non-agency-sponsored mortgages) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 547.16 563.64 Td (\(1\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 527.35 Td (In millions of dollars at December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.60 536.87 Td (U.S. agency-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.34 536.87 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.85 527.56 Td (sponsored mortgages) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.25 536.87 Td (Senior) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.75 536.87 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.00 527.56 Td (interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 536.87 Td (Subordinated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 555.99 536.87 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 527.56 Td (interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 514.36 Td (Carrying value of retained interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 514.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 514.36 Td (2,374) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.00 514.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 514.36 Td (310) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 514.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 514.36 Td (554) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 501.41 Td (Discount rates) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 490.36 Td ( Adverse change of 10%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 490.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.00 490.36 Td (\(69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.00 490.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.00 490.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 490.36 Td (\(7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 490.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 490.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 490.36 Td (\(30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 490.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 477.36 Td ( Adverse change of 20%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.50 477.36 Td (\(134) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.00 477.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 477.36 Td (\(13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 477.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 477.36 Td (\(57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 477.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 464.36 Td (Constant prepayment rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 451.36 Td ( Adverse change of 10%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.00 451.36 Td (\(93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.00 451.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 451.36 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 451.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 451.36 Td (\(9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 451.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 438.36 Td ( Adverse change of 20%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.50 438.36 Td (\(179) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.00 438.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 438.36 Td (\(5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 438.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 438.36 Td (\(18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 438.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 425.36 Td (Anticipated net credit losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 412.36 Td ( Adverse change of 10%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.45 412.36 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 412.36 Td (\(6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 412.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 412.36 Td (\(9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 412.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 399.36 Td ( Adverse change of 20%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.45 399.36 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 399.36 Td (\(10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 399.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 399.36 Td (\(16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 399.36 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 376.40 Td (Note: Citi Holdings held no subordinated interests in mortgage securitizations as of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.84 376.40 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.71 376.40 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 383.26 376.40 Td (December31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 446.13 376.40 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 366.80 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 366.80 Td (Disclosure of non-agency-sponsored mortgages as senior and subordinated interests is indicative of the interests) Tj ET Q q 0 0 0 rg BT 414.42 366.80 Td ( position in the capital structure of the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 357.20 Td (securitization.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 347.60 Td (NM ) Tj ET Q q 0 0 0 rg BT 54.00 347.60 Td (Anticipated net credit losses are not meaningful due to U.S. agency guarantees.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 323.60 Td (Mortgage Servicing Rights) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 311.60 Td (In connection with the securitization of mortgage loans, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 299.60 Td (Company) Tj ET Q q 0 0 0 rg BT 77.67 299.60 Td (s U.S. consumer mortgage business generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 287.60 Td (retains the servicing rights, which entitle the Company to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 275.60 Td (future stream of cash flows based on the outstanding principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 263.60 Td (balances of the loans and the contractual servicing fee. Failure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 251.60 Td (to service the loans in accordance with contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 239.60 Td (requirements may lead to a termination of the servicing rights ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 227.60 Td (and the loss of future servicing fees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 215.60 Td (These transactions create an intangible asset referred to as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 203.60 Td (mortgage servicing rights \(MSRs\), which are recorded at fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 191.60 Td (value on Citi) Tj ET Q q 0 0 0 rg BT 90.44 191.60 Td (s Consolidated Balance Sheet. ) Tj ET Q q 0 0 0 rg BT 213.84 191.60 Td (The fair value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 179.60 Td (Citi) Tj ET Q q 0 0 0 rg BT 53.78 179.60 Td (s capitalized MSRs was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.55 179.60 Td ($1.8 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.66 179.60 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.88 179.60 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 167.60 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 167.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.44 167.60 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.44 167.60 Td (. Of these amounts, approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.68 167.60 Td ($1.7 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.80 167.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 155.60 Td (was specific to Citicorp, with the remainder to Citi Holdings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 143.60 Td (as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.66 143.60 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.24 143.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.68 143.60 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.68 143.60 Td (. ) Tj ET Q q 0 0 0 rg BT 180.50 143.60 Td (The MSRs correspond to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 131.60 Td (principal loan balances of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.51 131.60 Td ($198 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.13 131.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.56 131.60 Td ($224 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.18 131.60 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 119.60 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.58 119.60 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.02 119.60 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.02 119.60 Td (, respectively) Tj ET Q q 0 0 0 rg BT 206.68 119.60 Td (. ) Tj ET Q q 0 0 0 rg BT 211.50 119.60 Td (The following ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 107.60 Td (table summarizes the changes in capitalized MSRs:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 301.10 158.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 301.10 47.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.50 301.10 47.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 268.10 158.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 268.10 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.50 268.10 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 243.10 158.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 243.10 47.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.50 243.10 47.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 313.1 m 481.5 313.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 313.1 m 528.5 313.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 313.1 m 575.5 313.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 313.1 m 481.5 313.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 313.1 m 528.5 313.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 313.1 m 575.5 313.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 243.10000000000002 m 481.5 243.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 243.10000000000002 m 528.5 243.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 243.10000000000002 m 575.5 243.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 243.10000000000002 m 481.5 243.10000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 231.10000000000002 m 481.5 231.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 243.10000000000002 m 528.5 243.10000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 231.10000000000002 m 528.5 231.10000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 243.10000000000002 m 575.5 243.10000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 528.5 231.10000000000002 m 575.5 231.10000000000002 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 326.00 317.05 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 316.50 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.00 316.36 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 304.50 Td (Balance, beginning of year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 304.50 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.75 304.50 Td (1,845) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 304.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 304.36 Td (2,718) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 292.36 Td (Originations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.50 292.50 Td (214) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 292.36 Td (217) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 280.36 Td (Changes in fair value of MSRs due to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 271.36 Td (changes in inputs and assumptions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.50 272.55 Td (110) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 272.56 Td (\(344) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 272.56 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 259.36 Td (Other changes) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 377.73 263.44 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.50 259.50 Td (\(350) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 525.00 259.50 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 259.36 Td (\(429) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 259.36 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 246.36 Td (Sale of MSRs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 246.50 Td (\(38) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 525.00 246.50 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 246.36 Td (\(317) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 246.36 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 234.50 Td (Balance, as of December 31) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.00 234.50 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.75 234.50 Td (1,781) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 234.36 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 234.36 Td (1,845) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.00 214.00 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 342.00 214.00 Td (Represents changes due to customer payments and passage of time.) Tj ET Q endstream endobj 471 0 obj <> endobj 472 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 24.60 Td (233) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (The fair value of the MSRs is primarily af) Tj ET Q q 0 0 0 rg BT 222.11 749.10 Td (fected by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (changes in prepayments of mortgages that result from shifts in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (mortgage interest rates. Specifically) Tj ET Q q 0 0 0 rg BT 179.18 725.10 Td (, higher interest rates tend ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (to lead to declining prepayments, which causes the fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (of the MSRs to increase. In managing this risk, the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (economically hedges a significant portion of the value of its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (MSRs through the use of interest rate derivative contracts, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (forward purchase and sale commitments of mortgage-backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (securities and purchased securities all classified as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 240.09 653.10 Td (T) Tj ET Q q 0 0 0 rg BT 245.10 653.10 Td (rading ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.05 641.10 Td (. ) Tj ET Q q 0 0 0 rg BT 98.87 641.10 Td (The Company receives fees during the course ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (of servicing previously securitized mortgages. ) Tj ET Q q 0 0 0 rg BT 222.99 629.10 Td (The amounts of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (these fees were as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 582.60 95.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 131.50 582.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 582.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 582.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 558.60 95.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 131.50 558.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 183.50 558.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 558.60 52.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 594.6 m 131.5 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 594.6 m 183.5 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 594.6 m 235.5 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 594.6 m 287.5 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 558.6 m 131.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 558.6 m 183.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 558.6 m 235.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 558.6 m 131.5 558.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 546.6 m 131.5 546.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 558.6 m 183.5 558.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 546.6 m 183.5 546.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 558.6 m 235.5 558.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 183.5 546.6 m 235.5 546.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 558.6 m 287.5 558.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 546.6 m 287.5 546.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 598.55 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 148.00 598.00 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 200.00 597.86 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.00 597.86 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 585.86 Td (Servicing fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 134.00 586.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 166.50 586.00 Td (552) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 186.00 585.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.50 585.86 Td (638) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 585.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.50 585.86 Td (800) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 573.86 Td (Late fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 171.00 574.00 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 573.86 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 573.86 Td (42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 561.86 Td (Ancillary fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 171.00 562.00 Td (31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.00 561.86 Td (56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.50 561.86 Td (100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 550.00 Td (Total MSR fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 134.00 550.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 166.50 550.00 Td (599) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 186.00 549.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.50 549.86 Td (719) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 238.00 549.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.50 549.86 Td (942) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 525.10 Td (These fees and changes in MSR fair values are classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (in the Consolidated Statement of Income as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 212.90 514.10 Td (Other r) Tj ET Q q 0 0 0 rg BT 242.25 514.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.01 514.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 493.10 Td (Re-securitizations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 481.10 Td (The Company engages in re-securitization transactions in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 469.10 Td (which debt securities are transferred to a ) Tj ET Q q 0 0 0 rg BT 200.47 469.10 Td (VIE in exchange for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 457.10 Td (new beneficial interests. During the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.95 457.10 Td (years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.05 457.10 Td ( ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.93 457.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 445.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 445.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.44 445.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.44 445.10 Td (, Citi transferred non-agency \(private-label\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 433.10 Td (securities with an original par value of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.60 433.10 Td ($885 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 421.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.89 421.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.33 421.10 Td ($1.2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.44 421.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 183.10 421.10 Td (, to re-securitization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 409.10 Td (entities. ) Tj ET Q q 0 0 0 rg BT 69.70 409.10 Td (These securities are backed by either residential or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 397.10 Td (commercial mortgages and are often structured on behalf of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 385.10 Td (clients. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 373.10 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.44 373.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.03 373.10 Td (, the fair value of Citi-retained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 361.10 Td (interests in private-label re-securitization transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 349.10 Td (structured by Citi totaled approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.46 349.10 Td ($428 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.85 349.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 337.10 Td (\(including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.60 337.10 Td ($132 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.00 337.10 Td ( related to re-securitization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 325.10 Td (transactions executed in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.57 325.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.57 325.10 Td (\), which has been recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 313.10 Td (T) Tj ET Q q 0 0 0 rg BT 41.01 313.10 Td (rading account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.23 313.10 Td (. Of this amount, approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.48 313.10 Td ($18 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 301.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.89 301.10 Td ( was related to senior beneficial interests and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 289.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.26 289.10 Td ($410 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.65 289.10 Td ( was related to subordinated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 277.10 Td (beneficial interests. ) Tj ET Q q 0 0 0 rg BT 115.69 277.10 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.14 277.10 Td (December31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.72 277.10 Td (, the fair value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 265.10 Td (Citi-retained interests in private-label re-securitization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 253.10 Td (transactions structured by Citi totaled approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.72 253.10 Td ($545 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 241.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.89 241.10 Td ( \(including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.00 241.10 Td ($194 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.39 241.10 Td ( related to re-securitization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 229.10 Td (transactions executed in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.57 229.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.57 229.10 Td (\). Of this amount, approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 217.10 Td ($133 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.39 217.10 Td ( was related to senior beneficial interests, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 205.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.26 205.10 Td ($412 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.65 205.10 Td ( was related to subordinated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 193.10 Td (beneficial interests. ) Tj ET Q q 0 0 0 rg BT 116.06 193.10 Td (The original par value of private-label re-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 181.10 Td (securitization transactions in which Citi holds a retained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 169.10 Td (interest as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.59 169.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.18 169.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.62 169.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.62 169.10 Td ( was approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 157.10 Td ($3.7 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.11 157.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.55 157.10 Td ($5.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.67 157.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 200.33 157.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 145.10 Td (The Company also re-securitizes U.S. government-agency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 133.10 Td (guaranteed mortgage-backed \(agency\) securities. During the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 121.10 Td (years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.98 121.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.56 121.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.00 121.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.00 121.10 Td (, Citi transferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 109.10 Td (agency securities with a fair value of approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.92 109.10 Td ($17.8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 97.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.11 97.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.55 97.10 Td ($22.5 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.67 97.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 185.33 97.10 Td (, to re-securitization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 85.10 Td (entities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.44 749.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.03 749.10 Td (, the fair value of Citi-retained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (interests in agency re-securitization transactions structured by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (Citi totaled approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.48 725.10 Td ($1.8 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.59 725.10 Td ( \(including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.69 725.10 Td ($1.5 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 569.81 725.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (related to re-securitization transactions executed in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.02 713.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.02 713.10 Td (\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (compared to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.20 701.10 Td ($1.8 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.32 701.10 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.48 701.10 Td (December31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.06 701.10 Td ( \(including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td ($1.5 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.11 689.10 Td ( related to re-securitization transactions executed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.28 677.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.28 677.10 Td (\), which is recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 446.47 677.10 Td (T) Tj ET Q q 0 0 0 rg BT 451.48 677.10 Td (rading account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.70 677.10 Td (. ) Tj ET Q q 0 0 0 rg BT 543.52 677.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (original fair value of agency re-securitization transactions in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (which Citi holds a retained interest as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.85 653.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 566.43 653.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.94 641.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.94 641.10 Td ( was approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.75 641.10 Td ($65.0 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.86 641.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.30 641.10 Td ($73.0 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.41 641.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 371.66 629.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 617.10 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.44 617.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.03 617.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.47 617.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.47 617.10 Td (, the Company did not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (consolidate any private-label or agency re-securitization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (entities.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (Citi-Administered ) Tj ET Q q 0 0 0 rg BT 399.47 569.10 Td (Asset-Backed Commercial Paper Conduits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (The Company is active in the asset-backed commercial paper ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (conduit business as administrator of several multi-seller ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (commercial paper conduits and also as a service provider to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (single-seller and other commercial paper conduits sponsored ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (by third parties.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 497.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 359.78 497.10 Td (s multi-seller commercial paper conduits are designed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (to provide the Company) Tj ET Q q 0 0 0 rg BT 423.71 485.10 Td (s clients access to low-cost funding in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (the commercial paper markets. ) Tj ET Q q 0 0 0 rg BT 449.60 473.10 Td (The conduits purchase assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (from or provide financing facilities to clients and are funded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (by issuing commercial paper to third-party investors. ) Tj ET Q q 0 0 0 rg BT 538.21 449.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (conduits generally do not purchase assets originated by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (Company) Tj ET Q q 0 0 0 rg BT 362.24 425.10 Td (. ) Tj ET Q q 0 0 0 rg BT 367.06 425.10 Td (The funding of the conduits is facilitated by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (liquidity support and credit enhancements provided by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (Company) Tj ET Q q 0 0 0 rg BT 362.24 401.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 389.10 Td (As administrator to Citi) Tj ET Q q 0 0 0 rg BT 439.50 389.10 Td (s conduits, the Company is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (generally responsible for selecting and structuring assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (purchased or financed by the conduits, making decisions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (regarding the funding of the conduits, including determining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (the tenor and other features of the commercial paper issued, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (monitoring the quality and performance of the conduits) Tj ET Q q 0 0 0 rg BT 547.92 329.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (assets, and facilitating the operations and cash flows of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (conduits. In return, the Company earns structuring fees from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (customers for individual transactions and earns an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (administration fee from the conduit, which is equal to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (income from the client program and liquidity fees of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (conduit after payment of conduit expenses. ) Tj ET Q q 0 0 0 rg BT 498.49 257.10 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (administration fee is fairly stable, since most risks and rewards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (of the underlying assets are passed back to the clients. Once ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (the asset pricing is negotiated, most ongoing income, costs and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (fees are relatively stable as a percentage of the conduit) Tj ET Q q 0 0 0 rg BT 545.28 209.10 Td (s size.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 197.10 Td (The conduits administered by the Company do not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (generally invest in liquid securities that are formally rated by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (third parties. ) Tj ET Q q 0 0 0 rg BT 376.86 173.10 Td (The assets are privately negotiated and structured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (transactions that are generally designed to be held by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (conduit, rather than actively traded and sold. ) Tj ET Q q 0 0 0 rg BT 504.59 149.10 Td (The yield earned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (by the conduit on each asset is generally tied to the rate on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (commercial paper issued by the conduit, thus passing interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (rate risk to the client. Each asset purchased by the conduit is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (structured with transaction-specific credit enhancement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (features provided by the third-party client seller) Tj ET Q q 0 0 0 rg BT 514.64 89.10 Td (, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (over collateralization, cash and excess spread collateral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (accounts, direct recourse or third-party guarantees. ) Tj ET Q q 0 0 0 rg BT 529.28 65.10 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (credit enhancements are sized with the objective of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 41.10 Td (approximating a credit rating of ) Tj ET Q q 0 0 0 rg BT 453.13 41.10 Td (A) Tj ET Q q 0 0 0 rg BT 459.80 41.10 Td ( or above, based on the ) Tj ET Q endstream endobj 473 0 obj <> endobj 474 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 24.60 Td (234) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (Company) Tj ET Q q 0 0 0 rg BT 77.67 749.10 Td (s internal risk ratings. ) Tj ET Q q 0 0 0 rg BT 166.26 749.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.76 749.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.35 749.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 737.10 Td (, the conduits had approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.30 737.10 Td ($21.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.41 737.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.85 737.10 Td ($29.2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.11 725.10 Td ( of purchased assets outstanding, respectively) Tj ET Q q 0 0 0 rg BT 243.64 725.10 Td (, and had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (incremental funding commitments with clients of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.26 701.10 Td ($1) Tj ET Q q 0 0 0 rg BT 105.89 701.10 Td (1.6 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.00 701.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.44 701.10 Td ($13.5 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.55 701.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 270.21 701.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 689.10 Td (Substantially all of the funding of the conduits is in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (form of short-term commercial paper) Tj ET Q q 0 0 0 rg BT 184.28 677.10 Td (. ) Tj ET Q q 0 0 0 rg BT 188.72 677.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.22 677.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.81 677.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.94 665.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.94 665.10 Td (, the weighted average remaining lives of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (commercial paper issued by the conduits were approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (56) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 46.00 641.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 65.44 641.10 Td (57 days) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.27 641.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 148.93 641.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 629.10 Td (The primary credit enhancement provided to the conduit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (investors is in the form of transaction-specific credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (enhancements described above. In addition to the transaction-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (specific credit enhancements, the conduits, other than the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (government guaranteed loan conduit, have obtained a letter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (credit from the Company) Tj ET Q q 0 0 0 rg BT 136.16 569.10 Td (, which is equal to at least ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.24 569.10 Td (8%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.57 569.10 Td ( to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.35 569.10 Td (10%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.68 569.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (of the conduit) Tj ET Q q 0 0 0 rg BT 94.32 557.10 Td (s assets with a minimum of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.98 557.10 Td ($200 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.37 557.10 Td (. ) Tj ET Q q 0 0 0 rg BT 262.19 557.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (letters of credit provided by the Company to the conduits total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.26 533.10 Td ($1.9 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.37 533.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.81 533.10 Td ($2.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.92 533.10 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.58 521.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.02 521.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.02 521.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 206.68 521.10 Td (. ) Tj ET Q q 0 0 0 rg BT 211.50 521.10 Td (The net result ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (across multi-seller conduits administered by the Company) Tj ET Q q 0 0 0 rg BT 268.08 509.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (other than the government guaranteed loan conduit, is that, in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (the event defaulted assets exceed the transaction-specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (credit enhancements described above, any losses in each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (conduit are allocated first to the Company and then the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (commercial paper investors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 437.10 Td (The Company also provides the conduits with two forms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (of liquidity agreements that are used to provide funding to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (conduits in the event of a market disruption, among other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (events. Each asset of the conduits is supported by a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (transaction-specific liquidity facility in the form of an asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (purchase agreement \(AP) Tj ET Q q 0 0 0 rg BT 133.37 377.10 Td (A\). Under the ) Tj ET Q q 0 0 0 rg BT 190.58 377.10 Td (AP) Tj ET Q q 0 0 0 rg BT 202.45 377.10 Td (A, the Company has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (generally agreed to purchase non-defaulted eligible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (receivables from the conduit at par) Tj ET Q q 0 0 0 rg BT 174.55 353.10 Td (. ) Tj ET Q q 0 0 0 rg BT 179.37 353.10 Td (The ) Tj ET Q q 0 0 0 rg BT 196.87 353.10 Td (AP) Tj ET Q q 0 0 0 rg BT 208.73 353.10 Td (A) Tj ET Q q 0 0 0 rg BT 215.40 353.10 Td ( is not designed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (to provide credit support to the conduit, as it generally does ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (not permit the purchase of defaulted or impaired assets. ) Tj ET Q q 0 0 0 rg BT 259.82 329.10 Td (Any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (funding under the ) Tj ET Q q 0 0 0 rg BT 109.04 317.10 Td (AP) Tj ET Q q 0 0 0 rg BT 120.91 317.10 Td (A) Tj ET Q q 0 0 0 rg BT 127.58 317.10 Td ( will likely subject the underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (conduit clients to increased interest costs. In addition, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (Company provides the conduits with program-wide liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (in the form of short-term lending commitments. Under these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (commitments, the Company has agreed to lend to the conduits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (in the event of a short-term disruption in the commercial paper ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (market, subject to specified conditions. ) Tj ET Q q 0 0 0 rg BT 194.95 245.10 Td (The Company receives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (fees for providing both types of liquidity agreements and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (considers these fees to be on fair market terms.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 209.10 Td (Finally) Tj ET Q q 0 0 0 rg BT 81.69 209.10 Td (, the Company is one of several named dealers in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (the commercial paper issued by the conduits and earns a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (market-based fee for providing such services. ) Tj ET Q q 0 0 0 rg BT 220.10 185.10 Td (Along with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (third-party dealers, the Company makes a market in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (commercial paper and may from time to time fund commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (paper pending sale to a third party) Tj ET Q q 0 0 0 rg BT 171.97 149.10 Td (. On specific dates with less ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (liquidity in the market, the Company may hold in inventory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (commercial paper issued by conduits administered by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (Company) Tj ET Q q 0 0 0 rg BT 74.24 113.10 Td (, as well as conduits administered by third parties. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (Separately) Tj ET Q q 0 0 0 rg BT 77.55 101.10 Td (, in the normal course of business, the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (invests in commercial paper) Tj ET Q q 0 0 0 rg BT 148.06 89.10 Td (, including commercial paper ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (issued by the Company's conduits. ) Tj ET Q q 0 0 0 rg BT 176.13 77.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.63 77.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.22 77.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 65.10 Td (, the Company owned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.26 65.10 Td ($1) Tj ET Q q 0 0 0 rg BT 155.89 65.10 Td (1.4 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.01 65.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.44 65.10 Td ($10.6 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.56 65.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 83.66 53.10 Td (, of the commercial paper issued by its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 41.10 Td (administered conduits. ) Tj ET Q q 0 0 0 rg BT 128.86 41.10 Td (The Company's investments were not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (driven by market illiquidity and the Company is not obligated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (under any agreement to purchase the commercial paper issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (by the conduits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 713.10 Td (The asset-backed commercial paper conduits are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (consolidated by the Company) Tj ET Q q 0 0 0 rg BT 442.50 701.10 Td (. ) Tj ET Q q 0 0 0 rg BT 447.32 701.10 Td (The Company has determined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (that, through its roles as administrator and liquidity provider) Tj ET Q q 0 0 0 rg BT 564.95 689.10 Td (, it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (has the power to direct the activities that most significantly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (impact the entities) Tj ET Q q 0 0 0 rg BT 399.90 665.10 Td ( economic performance. ) Tj ET Q q 0 0 0 rg BT 499.11 665.10 Td (These powers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (include its ability to structure and approve the assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (purchased by the conduits, its ongoing surveillance and credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (mitigation activities, its ability to sell or repurchase assets out ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (of the conduits, and its liability management. In addition, as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (result of all the Company) Tj ET Q q 0 0 0 rg BT 428.42 605.10 Td (s involvement described above, it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (was concluded that the Company has an economic interest that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (could potentially be significant. However) Tj ET Q q 0 0 0 rg BT 489.39 581.10 Td (, the assets and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (liabilities of the conduits are separate and apart from those of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (Citigroup. No assets of any conduit are available to satisfy the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (creditors of Citigroup or any of its other subsidiaries.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (Collateralized Loan Obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (A) Tj ET Q q 0 0 0 rg BT 330.67 509.10 Td ( collateralized loan obligation \(CLO\) is a ) Tj ET Q q 0 0 0 rg BT 497.38 509.10 Td (VIE that purchases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (a portfolio of assets consisting primarily of non-investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (grade corporate loans. ) Tj ET Q q 0 0 0 rg BT 414.89 485.10 Td (The CLO issues multiple tranches of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (debt and equity to investors to fund the asset purchases and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (pay upfront expenses associated with forming the CLO. ) Tj ET Q q 0 0 0 rg BT 549.23 461.10 Td (A) Tj ET Q q 0 0 0 rg BT 555.90 461.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (third-party asset manager is contracted by the CLO to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (purchase the underlying assets from the open market and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (monitor the credit risk associated with those assets. Over the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (term of the CLO, the asset manager directs purchases and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (sales of assets in a manner consistent with the CLO) Tj ET Q q 0 0 0 rg BT 532.57 401.10 Td (s asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (management agreement and indenture. In general, the CLO ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (asset manager will have the power to direct the activities of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (the entity that most significantly impact the economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (performance of the CLO. Investors in the CLO, through their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (ownership of debt and/or equity in the CLO, can also direct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (certain activities of the CLO, including removing the CLO ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (asset manager under limited circumstances, optionally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (redeeming the notes, voting on amendments to the CLO) Tj ET Q q 0 0 0 rg BT 550.90 305.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (operating documents and other activities. ) Tj ET Q q 0 0 0 rg BT 490.99 293.10 Td (The CLO has a finite ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (life, typically 12 years.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 269.10 Td (Citi serves as a structuring and placement agent with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (respect to the CLO. ) Tj ET Q q 0 0 0 rg BT 404.63 257.10 Td (T) Tj ET Q q 0 0 0 rg BT 410.04 257.10 Td (ypically) Tj ET Q q 0 0 0 rg BT 441.60 257.10 Td (, the debt and equity of the CLO ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (are sold to third-party investors. On occasion, certain Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (entities may purchase some portion of the CLO) Tj ET Q q 0 0 0 rg BT 516.46 233.10 Td (s liabilities for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (investment purposes. In addition, Citi may purchase, typically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (in the secondary market, certain securities issued by the CLO ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (to support its market making activities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 185.10 Td (The Company does not generally have the power to direct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (the activities of the entity that most significantly impact the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (economic performance of the CLOs, as this power is generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (held by a third-party asset manager of the CLO. ) Tj ET Q q 0 0 0 rg BT 517.28 149.10 Td (As such, those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (CLOs are not consolidated.) Tj ET Q endstream endobj 475 0 obj <> endobj 476 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 24.60 Td (235) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (Key ) Tj ET Q q 0 0 0 rg BT 53.87 749.10 Td (Assumptions and Retained Inter) Tj ET Q q 0 0 0 rg BT 181.54 749.10 Td (ests) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (The key assumptions used to value retained interests in CLOs, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (and the sensitivity of the fair value to adverse changes of 10% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (and 20% are set forth in the tables below:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 689.60 94.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 130.50 689.60 79.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 689.60 79.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 689.6 m 130.5 689.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 130.5 689.6 m 209.5 689.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 689.6 m 288.5 689.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 676.6 m 130.5 676.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 130.5 676.6 m 209.5 676.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 676.6 m 288.5 676.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 144.25 694.00 Td (Dec. 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.25 693.86 Td (Dec. 31, 2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 681.00 Td (Discount rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 142.25 681.00 Td ( 1.4% to 49.6%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 231.50 680.86 Td (1.4% to 49.2%) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 643.60 144.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 180.50 643.60 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.50 643.60 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 618.60 144.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 180.50 618.60 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.50 618.60 54.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 643.6 m 180.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 643.6 m 234.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 643.6 m 288.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 630.6 m 180.5 630.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 630.6 m 234.5 630.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 630.6 m 288.5 630.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 592.6 m 180.5 592.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 592.6 m 234.5 592.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 592.6 m 288.5 592.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 647.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 191.85 657.05 Td (Dec. 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.00 648.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 245.85 657.06 Td (Dec. 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 252.00 648.06 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 635.00 Td (Carrying value of retained interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.00 635.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 217.15 635.00 Td (918) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 634.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.40 634.86 Td (1,555) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 621.86 Td (Discount rates) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 609.86 Td ( Adverse change of 10%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.00 610.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.15 610.00 Td (\(5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.65 610.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 609.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.65 609.86 Td (\(10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.65 609.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 596.86 Td ( Adverse change of 20%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 218.65 597.00 Td (\(10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 230.65 597.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.65 596.86 Td (\(20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.65 596.86 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (Asset-Based Financing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (The Company provides loans and other forms of financing to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (VIEs that hold assets. ) Tj ET Q q 0 0 0 rg BT 124.97 545.10 Td (Those loans are subject to the same ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (credit approvals as all other loans originated or purchased by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (the Company) Tj ET Q q 0 0 0 rg BT 88.95 521.10 Td (. Financings in the form of debt securities or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (derivatives are, in most circumstances, reported in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 239.54 509.10 Td (T) Tj ET Q q 0 0 0 rg BT 244.55 509.10 Td (rading ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.05 497.10 Td ( and accounted for at fair value through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 74.70 485.10 Td (The Company generally does not have the power to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (direct the activities that most significantly impact these ) Tj ET Q q 0 0 0 rg BT 259.09 473.10 Td (VIEs) Tj ET Q q 0 0 0 rg BT 282.23 473.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (economic performance, and thus it does not consolidate them.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 449.10 Td (The primary types of Citigroup) Tj ET Q q 0 0 0 rg BT 181.75 449.10 Td (s asset-based financings, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (total assets of the unconsolidated ) Tj ET Q q 0 0 0 rg BT 170.51 437.10 Td (VIEs with significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (involvement, and the Company) Tj ET Q q 0 0 0 rg BT 164.31 425.10 Td (s maximum exposure to loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (are shown below) Tj ET Q q 0 0 0 rg BT 103.11 413.10 Td (. For the Company to realize the maximum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (loss, the ) Tj ET Q q 0 0 0 rg BT 71.10 401.10 Td (VIE \(borrower\) would have to default with no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (recovery from the assets held by the ) Tj ET Q q 0 0 0 rg BT 182.71 389.10 Td (VIE.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 325.60 125.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 161.50 325.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.50 325.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 299.60 125.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 161.50 299.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.50 299.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 273.60 125.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 161.50 273.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.50 273.60 65.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 366.6 m 161.5 366.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 366.6 m 226.5 366.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 366.6 m 291.5 366.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 325.6 m 161.5 325.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 325.6 m 226.5 325.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 325.6 m 291.5 325.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 260.6 m 161.5 260.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 247.60000000000002 m 161.5 247.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 260.6 m 226.5 260.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 247.60000000000002 m 226.5 247.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 260.6 m 291.5 260.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 247.60000000000002 m 291.5 247.60000000000002 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 189.70 370.00 Td (December 31, 2015) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 329.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.65 349.22 Td (T) Tj ET Q q 0 0 0 rg BT 188.83 349.22 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.32 349.22 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 164.45 339.22 Td (unconsolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.47 339.22 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 173.35 330.05 Td (VIE assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.50 357.17 Td (Maximum) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.49 357.17 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 236.45 347.17 Td (exposur) Tj ET Q q 0 0 0 rg BT 266.79 347.17 Td (e to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.53 347.17 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.45 338.00 Td (unconsolidated ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.70 329.00 Td (VIEs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 316.86 Td (Type) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 303.86 Td (Commercial and other real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 164.00 304.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.25 304.00 Td (41,695) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.00 304.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.25 304.00 Td (11,454) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 290.86 Td (Corporate loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.75 291.00 Td (1,274) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.75 291.00 Td (1,871) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 277.86 Td (Hedge funds and equities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 209.50 278.00 Td (385) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 278.00 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 264.86 Td (Airplanes, ships and other assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.25 265.00 Td (38,679) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.25 265.00 Td (17,140) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 252.00 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 252.00 Td (otal) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 58.67 256.08 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 164.00 252.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.25 252.00 Td (82,033) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.00 252.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.25 252.00 Td (30,520) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 184.60 125.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 161.50 184.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.50 184.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 158.60 125.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 161.50 158.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.50 158.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 132.60 125.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 161.50 132.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.50 132.60 65.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 225.60000000000002 m 161.5 225.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 225.60000000000002 m 226.5 225.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 225.60000000000002 m 291.5 225.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 184.60000000000002 m 161.5 184.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 184.60000000000002 m 226.5 184.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 184.60000000000002 m 291.5 184.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 184.60000000000002 m 161.5 184.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 184.60000000000002 m 226.5 184.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 184.60000000000002 m 291.5 184.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 119.60000000000002 m 161.5 119.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 119.60000000000002 m 226.5 119.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 119.60000000000002 m 291.5 119.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 119.60000000000002 m 161.5 119.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 106.60000000000002 m 161.5 106.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 119.60000000000002 m 226.5 119.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 106.60000000000002 m 226.5 106.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 119.60000000000002 m 291.5 119.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 106.60000000000002 m 291.5 106.60000000000002 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 190.60 228.86 Td (December 31, 2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 188.85 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 184.30 208.37 Td (T) Tj ET Q q 0 0 0 rg BT 189.17 208.37 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.66 208.37 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 166.25 198.37 Td (unconsolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.74 198.37 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 174.35 189.06 Td (VIE assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 239.75 216.17 Td (Maximum) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.25 216.17 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.60 206.17 Td (exposure to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.34 206.17 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 231.25 196.86 Td (unconsolidated ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 249.25 187.86 Td (VIEs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 175.86 Td (Type) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 162.86 Td (Commercial and other real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 164.00 162.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.25 162.86 Td (26,146) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.00 162.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.75 162.86 Td (9,476) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 149.86 Td (Corporate loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 209.50 149.86 Td (460) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 274.50 149.86 Td (473) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 136.86 Td (Hedge funds and equities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 214.00 136.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 279.00 136.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 123.86 Td (Airplanes, ships and other assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.25 123.86 Td (36,143) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.25 123.86 Td (15,649) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 110.86 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 164.00 110.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.25 110.86 Td (62,749) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.00 110.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.25 110.86 Td (25,598) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 87.50 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 87.50 Td (The increase in the total unconsolidated ) Tj ET Q q 0 0 0 rg BT 183.14 87.50 Td (VIE assets and related ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 77.90 Td (maximum exposure to unconsolidated ) Tj ET Q q 0 0 0 rg BT 177.83 77.90 Td (VIEs is due to normal, yet ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 68.30 Td (increased, client activity) Tj ET Q q 0 0 0 rg BT 131.45 68.30 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (The following table summarizes selected cash flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (information related to asset-based financings:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 698.60 139.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 698.60 38.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 698.60 38.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 539.50 698.60 38.00 -23.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 712.6 m 463.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 712.6 m 501.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 712.6 m 539.5 712.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 712.6 m 577.5 712.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 675.6 m 463.5 675.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 675.6 m 501.5 675.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 675.6 m 539.5 675.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 539.5 675.6 m 577.5 675.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 327.00 716.85 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 717.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 511.00 717.06 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 717.06 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 703.06 Td (Proceeds from new securitizations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.00 703.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.00 703.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 703.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.75 703.06 Td (0.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 703.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.75 703.06 Td (0.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.00 689.06 Td (Cash flows received on retained) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 680.06 Td (interests and other net cash flows) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.00 680.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.75 680.06 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.75 680.06 Td (1.0) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 654.10 Td ( ) Tj ET Q q 0 0 0 rg BT 342.00 654.10 Td (There were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.74 654.10 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.74 654.10 Td ( gains recognized on the securitizations of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 642.10 Td (asset-based financings for the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.04 642.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 630.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.00 630.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.00 630.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.00 630.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.44 630.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.44 630.10 Td (. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 606.10 Td (Municipal Securities T) Tj ET Q q 0 0 0 rg BT 417.54 606.10 Td (ender Option Bond \(T) Tj ET Q q 0 0 0 rg BT 508.19 606.10 Td (OB\) T) Tj ET Q q 0 0 0 rg BT 533.65 606.10 Td (rusts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 594.10 Td (Municipal ) Tj ET Q q 0 0 0 rg BT 367.42 594.10 Td (T) Tj ET Q q 0 0 0 rg BT 373.35 594.10 Td (OB trusts may hold fixed- or floating-rate, taxable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 582.10 Td (or tax-exempt securities issued by state and local governments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 570.10 Td (and municipalities. ) Tj ET Q q 0 0 0 rg BT 402.41 570.10 Td (T) Tj ET Q q 0 0 0 rg BT 408.34 570.10 Td (OB trusts are typically structured as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 558.10 Td (single-issuer entities whose assets are purchased from either ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 546.10 Td (the Company or from other investors in the municipal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 534.10 Td (securities market. ) Tj ET Q q 0 0 0 rg BT 396.85 534.10 Td (T) Tj ET Q q 0 0 0 rg BT 402.77 534.10 Td (OB trusts finance the purchase of their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 522.10 Td (municipal assets by issuing two classes of certificates: long-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 510.10 Td (dated, floating rate certificates \(Floaters\) that are putable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 498.10 Td (pursuant to a liquidity facility and residual interest certificates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 486.10 Td (\(Residuals\). ) Tj ET Q q 0 0 0 rg BT 383.24 486.10 Td (The Floaters are purchased by third-party ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 474.10 Td (investors, typically tax-exempt money market funds. ) Tj ET Q q 0 0 0 rg BT 537.10 474.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 462.10 Td (Residuals are purchased by the original owner of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 450.10 Td (municipal securities that are being financed.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 438.10 Td (From the Company) Tj ET Q q 0 0 0 rg BT 422.55 438.10 Td (s perspective, there are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.67 438.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.67 438.10 Td ( types of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 426.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.93 426.10 Td (OB trusts: customer ) Tj ET Q q 0 0 0 rg BT 412.24 426.10 Td (T) Tj ET Q q 0 0 0 rg BT 418.17 426.10 Td (OB trusts and non-customer ) Tj ET Q q 0 0 0 rg BT 532.97 426.10 Td (T) Tj ET Q q 0 0 0 rg BT 538.90 426.10 Td (OB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 414.10 Td (trusts. Customer ) Tj ET Q q 0 0 0 rg BT 391.88 414.10 Td (T) Tj ET Q q 0 0 0 rg BT 397.80 414.10 Td (OB trusts are those trusts utilized by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 402.10 Td (customers of the Company to finance their municipal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 390.10 Td (securities investments. ) Tj ET Q q 0 0 0 rg BT 416.86 390.10 Td (The Residuals issued by these trusts are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 378.10 Td (purchased by the customer being financed. Non-customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 366.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.93 366.10 Td (OB trusts are trusts that are used by the Company to finance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 354.10 Td (its own municipal securities investments; the Residuals issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 342.10 Td (by non-customer ) Tj ET Q q 0 0 0 rg BT 393.80 342.10 Td (T) Tj ET Q q 0 0 0 rg BT 399.73 342.10 Td (OB trusts are purchased by the Company) Tj ET Q q 0 0 0 rg BT 563.49 342.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 330.10 Td (W) Tj ET Q q 0 0 0 rg BT 351.04 330.10 Td (ith respect to both customer and non-customer ) Tj ET Q q 0 0 0 rg BT 538.87 330.10 Td (T) Tj ET Q q 0 0 0 rg BT 544.79 330.10 Td (OB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 318.10 Td (trusts, the Company may provide remarketing agent services. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 306.10 Td (If Floaters are optionally tendered and the Company) Tj ET Q q 0 0 0 rg BT 532.45 306.10 Td (, in its role ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 294.10 Td (as remarketing agent, is unable to find a new investor to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 282.10 Td (purchase the optionally tendered Floaters within a specified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 270.10 Td (period of time, the Company may) Tj ET Q q 0 0 0 rg BT 458.32 270.10 Td (, but is not obligated to, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 258.10 Td (purchase the tendered Floaters into its own inventory) Tj ET Q q 0 0 0 rg BT 535.80 258.10 Td (. ) Tj ET Q q 0 0 0 rg BT 540.62 258.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 246.10 Td (level of the Company) Tj ET Q q 0 0 0 rg BT 413.15 246.10 Td (s inventory of such Floaters fluctuates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 234.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.50 234.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.08 234.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.52 234.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.52 234.10 Td (, the Company held ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.34 234.10 Td ($2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 222.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.89 222.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.33 222.10 Td ($3 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.72 222.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 466.38 222.10 Td (, of Floaters related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 210.10 Td (customer and non-customer ) Tj ET Q q 0 0 0 rg BT 437.40 210.10 Td (T) Tj ET Q q 0 0 0 rg BT 443.33 210.10 Td (OB trusts.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 198.10 Td (For certain customer ) Tj ET Q q 0 0 0 rg BT 427.07 198.10 Td (T) Tj ET Q q 0 0 0 rg BT 433.00 198.10 Td (OB trusts, the Company may also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 186.10 Td (serve as a voluntary advance provider) Tj ET Q q 0 0 0 rg BT 474.77 186.10 Td (. In this capacity) Tj ET Q q 0 0 0 rg BT 540.21 186.10 Td (, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 174.10 Td (Company may) Tj ET Q q 0 0 0 rg BT 381.95 174.10 Td (, but is not obligated to, make loan advances to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 162.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 362.97 162.10 Td (T) Tj ET Q q 0 0 0 rg BT 368.90 162.10 Td (OB trusts to purchase optionally tendered Floaters ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 150.10 Td (that have not otherwise been successfully remarketed to new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 138.10 Td (investors. Such loans are secured by pledged Floaters. ) Tj ET Q q 0 0 0 rg BT 542.28 138.10 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 126.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.58 126.10 Td (, the Company had no outstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 114.10 Td (voluntary advances to customer ) Tj ET Q q 0 0 0 rg BT 453.22 114.10 Td (T) Tj ET Q q 0 0 0 rg BT 459.15 114.10 Td (OB trusts.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 102.10 Td (For certain non-customer trusts, the Company also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 90.10 Td (provides credit enhancement. ) Tj ET Q q 0 0 0 rg BT 443.40 90.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.90 90.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.48 90.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 78.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.00 78.10 Td (, approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.26 78.10 Td ($82 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.65 78.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.09 78.10 Td ($198 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.48 78.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 66.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 371.66 66.10 Td (, of the municipal bonds owned by non-customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 54.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.93 54.10 Td (OB trusts are subject to a credit guarantee provided by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 42.10 Td (Company) Tj ET Q q 0 0 0 rg BT 362.24 42.10 Td (.) Tj ET Q endstream endobj 477 0 obj <> endobj 478 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 24.60 Td (236) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (The Company also provides liquidity services to many ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (customer and non-customer trusts. If a trust is unwound early ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (due to an event other than a credit event on the underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (municipal bonds, the underlying municipal bonds are sold out ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (of the ) Tj ET Q q 0 0 0 rg BT 61.37 701.10 Td (T) Tj ET Q q 0 0 0 rg BT 67.12 701.10 Td (rust and bond sale proceeds are used to redeem the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 84.98 689.10 Td (T) Tj ET Q q 0 0 0 rg BT 90.74 689.10 Td (rust certificates. If this results in a shortfall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (between the bond sale proceeds and the redemption price of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (the tendered Floaters, the Company) Tj ET Q q 0 0 0 rg BT 177.81 665.10 Td (, pursuant to the liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (agreement, would be obligated to make a payment to the trust ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (to satisfy that shortfall. For certain customer ) Tj ET Q q 0 0 0 rg BT 215.78 641.10 Td (T) Tj ET Q q 0 0 0 rg BT 221.70 641.10 Td (OB trusts the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (Company has also executed a reimbursement agreement with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (the holder of the Residual, pursuant to which the Residual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (holder is obligated to reimburse the Company for any payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (the Company makes under the liquidity arrangement. ) Tj ET Q q 0 0 0 rg BT 251.32 593.10 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (reimbursement agreements may be subject to daily mar) Tj ET Q q 0 0 0 rg BT 257.13 581.10 Td (gining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (based on changes in the market value of the underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (municipal bonds. In cases where a third party provides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (liquidity to a non-customer ) Tj ET Q q 0 0 0 rg BT 146.91 545.10 Td (T) Tj ET Q q 0 0 0 rg BT 152.84 545.10 Td (OB trust, a similar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (reimbursement arrangement may be executed, whereby the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (Company \(or a consolidated subsidiary of the Company\), as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (Residual holder) Tj ET Q q 0 0 0 rg BT 98.64 509.10 Td (, would absorb any losses incurred by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (liquidity provider) Tj ET Q q 0 0 0 rg BT 105.72 497.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 485.10 Td (For certain other non-customer ) Tj ET Q q 0 0 0 rg BT 180.45 485.10 Td (T) Tj ET Q q 0 0 0 rg BT 186.37 485.10 Td (OB trusts, the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (serves as tender option provider) Tj ET Q q 0 0 0 rg BT 163.19 473.10 Td (. ) Tj ET Q q 0 0 0 rg BT 168.01 473.10 Td (The tender option provider ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (arrangement allows Floater holders to put their interests ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (directly to the Company at any time, subject to the requisite ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (notice period requirements, at a price of par) Tj ET Q q 0 0 0 rg BT 210.37 437.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 425.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.50 425.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.08 425.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.52 425.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.52 425.10 Td (, liquidity agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (provided with respect to customer ) Tj ET Q q 0 0 0 rg BT 174.39 413.10 Td (T) Tj ET Q q 0 0 0 rg BT 180.32 413.10 Td (OB trusts totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.59 413.10 Td ($3.1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.11 401.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.55 401.10 Td ($3.7 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.67 401.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 180.33 401.10 Td (, of which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.09 401.10 Td ($2.2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.21 401.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td ($2.6 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.11 389.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 134.77 389.10 Td (, were of) Tj ET Q q 0 0 0 rg BT 169.85 389.10 Td (fset by reimbursement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (agreements. For the remaining exposure related to ) Tj ET Q q 0 0 0 rg BT 239.08 377.10 Td (T) Tj ET Q q 0 0 0 rg BT 245.01 377.10 Td (OB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (transactions, where the Residual owned by the customer was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (at least ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.54 353.10 Td (25%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.87 353.10 Td ( of the bond value at the inception of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (transaction, no reimbursement agreement was executed. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 329.10 Td (The Company considers both customer and non-customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (T) Tj ET Q q 0 0 0 rg BT 41.93 317.10 Td (OB trusts to be ) Tj ET Q q 0 0 0 rg BT 104.53 317.10 Td (VIEs. Customer ) Tj ET Q q 0 0 0 rg BT 171.28 317.10 Td (T) Tj ET Q q 0 0 0 rg BT 177.21 317.10 Td (OB trusts are not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (consolidated by the Company) Tj ET Q q 0 0 0 rg BT 154.50 305.10 Td (, as the power to direct the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (activities that most significantly impact the trust) Tj ET Q q 0 0 0 rg BT 231.52 293.10 Td (s economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (performance rests with the customer Residual holder) Tj ET Q q 0 0 0 rg BT 246.64 281.10 Td (, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (may unilaterally cause the sale of the trust) Tj ET Q q 0 0 0 rg BT 207.33 269.10 Td (s bonds.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 257.10 Td (Non-customer ) Tj ET Q q 0 0 0 rg BT 113.53 257.10 Td (T) Tj ET Q q 0 0 0 rg BT 119.45 257.10 Td (OB trusts generally are consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (because the Company holds the Residual interest, and thus has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (the unilateral power to cause the sale of the trust) Tj ET Q q 0 0 0 rg BT 232.32 233.10 Td (s bonds.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 221.10 Td (The Company also provides other liquidity agreements or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (letters of credit to customer) Tj ET Q q 0 0 0 rg BT 145.76 209.10 Td (-sponsored municipal investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (funds, which are not variable interest entities, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (municipality-related issuers that totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.51 185.10 Td ($8.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.62 185.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.06 185.10 Td ($7.4 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.11 173.10 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.27 173.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.86 173.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.30 173.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.30 173.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 256.96 173.10 Td (. ) Tj ET Q q 0 0 0 rg BT 261.78 173.10 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (liquidity agreements and letters of credit are of) Tj ET Q q 0 0 0 rg BT 223.25 161.10 Td (fset by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (reimbursement agreements with various term-out provisions.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Municipal Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (Municipal investment transactions include debt and equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (interests in partnerships that finance the construction and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (rehabilitation of low-income housing, facilitate lending in new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (or underserved markets, or finance the construction or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (operation of renewable municipal ener) Tj ET Q q 0 0 0 rg BT 478.19 689.25 Td (gy facilities. ) Tj ET Q q 0 0 0 rg BT 529.94 689.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (Company generally invests in these partnerships as a limited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (partner and earns a return primarily through the receipt of tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (credits and grants earned from the investments made by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 Td (partnership. ) Tj ET Q q 0 0 0 rg BT 373.80 641.25 Td (The Company may also provide construction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.25 Td (loans or permanent loans for the development or operation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 Td (real estate properties held by partnerships. ) Tj ET Q q 0 0 0 rg BT 495.15 617.25 Td (These entities are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.25 Td (generally considered ) Tj ET Q q 0 0 0 rg BT 409.34 605.25 Td (VIEs. ) Tj ET Q q 0 0 0 rg BT 434.71 605.25 Td (The power to direct the activities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.25 Td (of these entities is typically held by the general partner) Tj ET Q q 0 0 0 rg BT 542.54 593.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 373.34 581.25 Td (, these entities are not consolidated by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.25 Td (Company) Tj ET Q q 0 0 0 rg BT 362.24 569.25 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 545.25 Td (Client Intermediation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.25 Td (Client intermediation transactions represent a range of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.25 Td (transactions designed to provide investors with specified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 Td (returns based on the returns of an underlying security) Tj ET Q q 0 0 0 rg BT 536.62 509.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.25 Td (referenced asset or index. ) Tj ET Q q 0 0 0 rg BT 428.49 497.25 Td (These transactions include credit-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.25 Td (linked notes and equity-linked notes. In these transactions, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.25 Td (VIE typically obtains exposure to the underlying security) Tj ET Q q 0 0 0 rg BT 552.46 473.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.25 Td (referenced asset or index through a derivative instrument, such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.25 Td (as a total-return swap or a credit-default swap. In turn the ) Tj ET Q q 0 0 0 rg BT 555.95 449.25 Td (VIE ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.25 Td (issues notes to investors that pay a return based on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.25 Td (specified underlying security) Tj ET Q q 0 0 0 rg BT 439.42 425.25 Td (, referenced asset or index. ) Tj ET Q q 0 0 0 rg BT 548.91 425.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.25 Td (VIE invests the proceeds in a financial asset or a guaranteed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.25 Td (insurance contract that serves as collateral for the derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.25 Td (contract over the term of the transaction. ) Tj ET Q q 0 0 0 rg BT 488.75 389.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 548.46 389.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.25 Td (involvement in these transactions includes being the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.25 Td (counterparty to the ) Tj ET Q q 0 0 0 rg BT 401.85 365.25 Td (VIE) Tj ET Q q 0 0 0 rg BT 421.29 365.25 Td (s derivative instruments and investing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.25 Td (in a portion of the notes issued by the ) Tj ET Q q 0 0 0 rg BT 476.29 353.25 Td (VIE. In certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.25 Td (transactions, the investor) Tj ET Q q 0 0 0 rg BT 424.07 341.25 Td () Tj ET Q q 0 0 0 rg BT 426.85 341.25 Td (s maximum risk of loss is limited, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.25 Td (and the Company absorbs risk of loss above a specified level. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.25 Td (The Company does not have the power to direct the activities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.25 Td (of the ) Tj ET Q q 0 0 0 rg BT 349.37 305.25 Td (VIEs that most significantly impact their economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.25 Td (performance, and thus it does not consolidate them.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 281.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 401.71 281.25 Td (s maximum risk of loss in these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.25 Td (transactions is defined as the amount invested in notes issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.25 Td (by the ) Tj ET Q q 0 0 0 rg BT 351.04 257.25 Td (VIE and the notional amount of any risk of loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.25 Td (absorbed by the Company through a separate instrument ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.25 Td (issued by the ) Tj ET Q q 0 0 0 rg BT 378.54 233.25 Td (VIE. ) Tj ET Q q 0 0 0 rg BT 400.02 233.25 Td (The derivative instrument held by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.25 Td (Company may generate a receivable from the ) Tj ET Q q 0 0 0 rg BT 508.46 221.25 Td (VIE \(for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.25 Td (example, where the Company purchases credit protection from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.25 Td (the ) Tj ET Q q 0 0 0 rg BT 338.54 197.25 Td (VIE in connection with the ) Tj ET Q q 0 0 0 rg BT 449.16 197.25 Td (VIE) Tj ET Q q 0 0 0 rg BT 468.60 197.25 Td (s issuance of a credit-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.25 Td (linked note\), which is collateralized by the assets owned by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.25 Td (the ) Tj ET Q q 0 0 0 rg BT 338.54 173.25 Td (VIE. ) Tj ET Q q 0 0 0 rg BT 360.02 173.25 Td (These derivative instruments are not considered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.25 Td (variable interests, and any associated receivables are not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.25 Td (included in the calculation of maximum exposure to the ) Tj ET Q q 0 0 0 rg BT 549.59 149.25 Td (VIE.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 137.25 Td (The proceeds from new securitizations related to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.25 Td (Company) Tj ET Q q 0 0 0 rg BT 365.67 125.25 Td (s client intermediation transactions for the years ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.38 113.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.96 113.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.40 113.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.40 113.25 Td ( totaled approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.25 Td ($2.0 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.11 101.25 Td (.) Tj ET Q endstream endobj 479 0 obj <> endobj 480 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 24.60 Td (237) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Investment Funds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (The Company is the investment manager for certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (investment funds and retirement funds that invest in various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (asset classes including private equity) Tj ET Q q 0 0 0 rg BT 183.09 713.25 Td (, hedge funds, real estate, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (fixed income and infrastructure. ) Tj ET Q q 0 0 0 rg BT 166.60 701.25 Td (The Company earns a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (management fee, which is a percentage of capital under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (management, and may earn performance fees. In addition, for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (some of these funds the Company has an ownership interest in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (the investment funds. ) Tj ET Q q 0 0 0 rg BT 124.14 653.25 Td (The Company has also established a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (number of investment funds as opportunities for qualified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (employees to invest in private equity investments. ) Tj ET Q q 0 0 0 rg BT 238.56 629.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (Company acts as investment manager to these funds and may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (provide employees with financing on both recourse and non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (recourse bases for a portion of the employees) Tj ET Q q 0 0 0 rg BT 219.91 593.25 Td ( investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (commitments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 569.25 Td (The Company has determined that a majority of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (investment entities managed by Citigroup are provided a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (deferral from the requirements of ) Tj ET Q q 0 0 0 rg BT 171.22 545.25 Td (ASC 810, because they meet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (the criteria in ) Tj ET Q q 0 0 0 rg BT 91.25 533.25 Td (Accounting Standards Update No. 2010-10, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (Consolidation \(T) Tj ET Q q 0 0 0 rg BT 103.15 521.25 Td (opic 810\), ) Tj ET Q q 0 0 0 rg BT 146.01 521.25 Td (Amendments for Certain ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (Investment Funds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.32 509.25 Td (\(ASU 2010-10\). ) Tj ET Q q 0 0 0 rg BT 176.63 509.25 Td (These entities continue to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (be evaluated under the requirements of ) Tj ET Q q 0 0 0 rg BT 193.71 497.25 Td (ASC 810-10, prior to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (the implementation of SF) Tj ET Q q 0 0 0 rg BT 137.19 485.25 Td (AS 167 \(FIN 46\(R\), ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 220.25 485.25 Td (Consolidation of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (V) Tj ET Q q 0 0 0 rg BT 41.00 473.25 Td (ariable Inter) Tj ET Q q 0 0 0 rg BT 91.45 473.25 Td (est Entities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.61 473.25 Td (\), which required that a ) Tj ET Q q 0 0 0 rg BT 230.95 473.25 Td (VIE be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (consolidated by the party with a variable interest that will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (absorb a majority of the entity) Tj ET Q q 0 0 0 rg BT 159.58 449.25 Td (s expected losses or residual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (returns, or both. See Note 1 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (Statements for a discussion of ) Tj ET Q q 0 0 0 rg BT 157.93 425.25 Td (ASU 2015-02 which includes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (impending changes to tar) Tj ET Q q 0 0 0 rg BT 136.63 413.25 Td (geted areas of consolidation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (guidance. ) Tj ET Q q 0 0 0 rg BT 76.91 401.25 Td (When ) Tj ET Q q 0 0 0 rg BT 102.74 401.25 Td (ASU 2015-02 becomes ef) Tj ET Q q 0 0 0 rg BT 206.15 401.25 Td (fective on January ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (1, 2016, it will eliminate the above noted deferral for certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (investment entities pursuant to ) Tj ET Q q 0 0 0 rg BT 160.43 377.25 Td (ASU 2010-10.) Tj ET Q endstream endobj 481 0 obj <> endobj 482 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (238) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (23.DERIV) Tj ET Q q 0 0 0 rg BT 86.94 749.25 Td (A) Tj ET Q q 0 0 0 rg BT 93.42 749.25 Td (TIVES ) Tj ET Q q 0 0 0 rg BT 125.38 749.25 Td (ACTIVITIES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 729.25 Td (In the ordinary course of business, Citigroup enters into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 717.25 Td (various types of derivative transactions. ) Tj ET Q q 0 0 0 rg BT 197.44 717.25 Td (These derivative) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 705.25 Td (transactions include:) Tj ET Q BT /F1 5.00 Tf ET q 0 0 0 rg BT 118.48 705.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 687.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 687.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.50 687.25 Td (Futur) Tj ET Q q 0 0 0 rg BT 78.91 687.25 Td (es and forwar) Tj ET Q q 0 0 0 rg BT 134.10 687.25 Td (d contracts, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.81 687.25 Td (which are commitments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 675.25 Td (to buy or sell at a future date a financial instrument, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 663.25 Td (commodity or currency at a contracted price and may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 651.25 Td (settled in cash or through delivery) Tj ET Q q 0 0 0 rg BT 189.70 651.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 639.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 639.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.50 639.25 Td (Swap contracts, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.89 639.25 Td (which are commitments to settle in cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 627.25 Td (at a future date or dates that may range from a few days to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 615.25 Td (a number of years, based on dif) Tj ET Q q 0 0 0 rg BT 179.61 615.25 Td (ferentials between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 603.25 Td (specified indices or financial instruments, as applied to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 591.25 Td (notional principal amount.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 579.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 579.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.50 579.25 Td (Option contracts, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.00 579.25 Td (which give the purchaser) Tj ET Q q 0 0 0 rg BT 228.83 579.25 Td (, for a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 567.25 Td (premium, the right, but not the obligation, to buy or sell ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 555.25 Td (within a specified time a financial instrument, commodity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 543.25 Td (or currency at a contracted price that may also be settled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 531.25 Td (in cash, based on dif) Tj ET Q q 0 0 0 rg BT 135.74 531.25 Td (ferentials between specified indices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 519.25 Td (or prices.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 495.25 Td (Swaps and forwards and some option contracts are over) Tj ET Q q 0 0 0 rg BT 277.07 495.25 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 483.25 Td (the-counter \(OTC\) derivatives that are bilaterally negotiated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 471.25 Td (with counterparties and settled with those counterparties, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 459.25 Td (except for swap contracts that are novated and "cleared" ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 447.25 Td (through central counterparties \(CCPs\). Futures contracts and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 435.25 Td (other option contracts are standardized contracts that are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 423.25 Td (traded on an exchange with a CCP) Tj ET Q q 0 0 0 rg BT 173.92 423.25 Td ( as the counterparty from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 411.25 Td (the inception of the transaction. Citigroup enters into these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 399.25 Td (derivative contracts relating to interest rate, foreign currency) Tj ET Q q 0 0 0 rg BT 278.02 399.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 387.25 Td (commodity and other market/credit risks for the following ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 375.25 Td (reasons:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 357.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 357.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.50 357.25 Td (T) Tj ET Q q 0 0 0 rg BT 61.51 357.25 Td (rading Purposes: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.73 357.25 Td (Citigroup trades derivatives as an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 345.25 Td (active market maker) Tj ET Q q 0 0 0 rg BT 135.07 345.25 Td (. Citigroup of) Tj ET Q q 0 0 0 rg BT 189.05 345.25 Td (fers its customers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 333.25 Td (derivatives in connection with their risk management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 321.25 Td (actions to transfer) Tj ET Q q 0 0 0 rg BT 125.24 321.25 Td (, modify or reduce their interest rate, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 309.25 Td (foreign exchange and other market/credit risks or for their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 297.25 Td (own trading purposes. Citigroup also manages its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 285.25 Td (derivative risk positions through of) Tj ET Q q 0 0 0 rg BT 194.36 285.25 Td (fsetting trade activities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 273.25 Td (controls focused on price verification, and daily reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 261.25 Td (of positions to senior managers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 249.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 249.25 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 56.50 249.25 Td (Hedging) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.94 249.25 Td (:) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 93.72 249.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.22 249.25 Td (Citigroup uses derivatives in connection with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 237.25 Td (its risk management activities to hedge certain risks or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 225.25 Td (reposition the risk profile of the Company) Tj ET Q q 0 0 0 rg BT 221.65 225.25 Td (. For example, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 213.25 Td (Citigroup issues fixed-rate long-term debt and then enters ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 201.25 Td (into a receive-fixed, pay-variable-rate interest rate swap ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 189.25 Td (with the same tenor and notional amount to convert the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 177.25 Td (interest payments to a net variable-rate basis. ) Tj ET Q q 0 0 0 rg BT 236.53 177.25 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 165.25 Td (strategy is the most common form of an interest rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 153.25 Td (hedge, as it minimizes net interest cost in certain yield ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 141.25 Td (curve environments. Derivatives are also used to manage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 129.25 Td (risks inherent in specific groups of on-balance sheet assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 117.25 Td (and liabilities, including ) Tj ET Q q 0 0 0 rg BT 152.88 117.25 Td (AFS securities and borrowings, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 105.25 Td (as well as other interest-sensitive assets and liabilities. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 93.25 Td (addition, foreign-exchange contracts are used to hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 81.25 Td (non-U.S.-dollar) Tj ET Q q 0 0 0 rg BT 116.57 81.25 Td (-denominated debt, foreign-currency-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 69.25 Td (denominated ) Tj ET Q q 0 0 0 rg BT 107.60 69.25 Td (AFS securities and net investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 57.25 Td (exposures. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 737.10 Td (Derivatives may expose Citigroup to market, credit or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (liquidity risks in excess of the amounts recorded on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (Consolidated Balance Sheet. Market risk on a derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (product is the exposure created by potential fluctuations in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (interest rates, foreign-exchange rates and other factors and is a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (function of the type of product, the volume of transactions, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (tenor and terms of the agreement and the underlying volatility) Tj ET Q q 0 0 0 rg BT 571.33 665.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (Credit risk is the exposure to loss in the event of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (nonperformance by the other party to the transaction where the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (value of any collateral held is not adequate to cover such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 352.71 617.10 Td (The recognition in earnings of unrealized gains on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (these transactions is subject to management) Tj ET Q q 0 0 0 rg BT 501.45 605.10 Td (s assessment of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (the probability of counterparty default. Liquidity risk is the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (potential exposure that arises when the size of a derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (position may not be able to be monetized in a reasonable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (period of time and at a reasonable cost in periods of high ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (volatility and financial stress. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 533.10 Td (Derivative transactions are customarily documented under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (industry standard master agreements that provide that, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (following an uncured payment default or other event of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (default, the non-defaulting party may promptly terminate all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (transactions between the parties and determine the net amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (due to be paid to, or by) Tj ET Q q 0 0 0 rg BT 415.83 473.10 Td (, the defaulting party) Tj ET Q q 0 0 0 rg BT 498.49 473.10 Td (. Events of default ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (include: \(i\) failure to make a payment on a derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (transaction that remains uncured following applicable notice ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (and grace periods, \(ii\) breach of agreement that remains ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (uncured after applicable notice and grace periods, \(iii\) breach ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (of a representation, \(iv\) cross default, either to third-party debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (or to other derivative transactions entered into between the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (parties, or) Tj ET Q q 0 0 0 rg BT 363.58 389.10 Td (, in some cases, their af) Tj ET Q q 0 0 0 rg BT 456.98 389.10 Td (filiates, \(v\) the occurrence of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (a mer) Tj ET Q q 0 0 0 rg BT 346.30 377.10 Td (ger or consolidation which results in a party) Tj ET Q q 0 0 0 rg BT 524.87 377.10 Td (s becoming ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (a materially weaker credit, and \(vi\) the cessation or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (repudiation of any applicable guarantee or other credit support ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (document. Obligations under master netting agreements are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (often secured by collateral posted under an industry standard ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (credit support annex to the master netting agreement. ) Tj ET Q q 0 0 0 rg BT 538.65 317.10 Td (An event ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (of default may also occur under a credit support annex if a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (party fails to make a collateral delivery that remains uncured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (following applicable notice and grace periods. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 269.10 Td (The netting and collateral rights incorporated in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (master netting agreements are considered to be legally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (enforceable if a supportive legal opinion has been obtained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (from counsel of recognized standing that provides the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (requisite level of certainty regarding enforceability and that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (the exercise of rights by the non-defaulting party to terminate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (and close-out transactions on a net basis under these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (agreements will not be stayed or avoided under applicable law ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (upon an event of default including bankruptcy) Tj ET Q q 0 0 0 rg BT 508.30 173.10 Td (, insolvency or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (similar proceeding. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 149.10 Td (A) Tj ET Q q 0 0 0 rg BT 348.67 149.10 Td ( legal opinion may not be sought for certain jurisdictions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (where local law is silent or unclear as to the enforceability of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (such rights or where adverse case law or conflicting regulation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (may cast doubt on the enforceability of such rights. In some ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (jurisdictions and for some counterparty types, the insolvency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (law may not provide the requisite level of certainty) Tj ET Q q 0 0 0 rg BT 527.73 89.10 Td (. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (example, this may be the case for certain sovereigns, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (municipalities, central banks and U.S. pension plans. ) Tj ET Q endstream endobj 483 0 obj <> endobj 484 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (239) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (Exposure to credit risk on derivatives is af) Tj ET Q q 0 0 0 rg BT 222.94 749.10 Td (fected by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (market volatility) Tj ET Q q 0 0 0 rg BT 101.72 737.10 Td (, which may impair the ability of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (counterparties to satisfy their obligations to the Company) Tj ET Q q 0 0 0 rg BT 265.03 725.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (Credit limits are established and closely monitored for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (customers engaged in derivatives transactions. Citi considers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (the level of legal certainty regarding enforceability of its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 677.10 Td (fsetting rights under master netting agreements and credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (support annexes to be an important factor in its risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (management process. Specifically) Tj ET Q q 0 0 0 rg BT 171.69 653.10 Td (, Citi generally transacts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (much lower volumes of derivatives under master netting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (agreements where Citi does not have the requisite level of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (legal certainty regarding enforceability) Tj ET Q q 0 0 0 rg BT 191.11 617.10 Td (, because such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (derivatives consume greater amounts of single counterparty ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (credit limits than those executed under enforceable master ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (netting agreements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 569.10 Td (Cash collateral and security collateral in the form of G10 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (government debt securities is often posted by a party to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (master netting agreement to secure the net open exposure of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (the other party; the receiving party is free to commingle/) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (rehypothecate such collateral in the ordinary course of its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (business. Nonstandard collateral such as corporate bonds, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (municipal bonds, U.S. agency securities and/or MBS may also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (be pledged as collateral for derivative transactions. Security ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (collateral posted to open and maintain a master netting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (agreement with a counterparty) Tj ET Q q 0 0 0 rg BT 157.24 461.10 Td (, in the form of cash and/or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (securities, may from time to time be segregated in an account ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (at a third-party custodian pursuant to a tri-party account ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (control agreement.) Tj ET Q endstream endobj 485 0 obj <> endobj 486 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (240) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (Information pertaining to Citigroup) Tj ET Q q 0 0 0 rg BT 198.70 749.10 Td (s derivative activity) Tj ET Q q 0 0 0 rg BT 276.91 749.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (based on notional amounts is presented in the table below) Tj ET Q q 0 0 0 rg BT 266.13 737.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (Derivative notional amounts are reference amounts from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (which contractual payments are derived and do not represent a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (complete and accurate measure of Citi) Tj ET Q q 0 0 0 rg BT 192.32 701.10 Td (s exposure to derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (transactions. Rather) Tj ET Q q 0 0 0 rg BT 117.52 689.10 Td (, as discussed above, Citi) Tj ET Q q 0 0 0 rg BT 220.84 689.10 Td (s derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (exposure arises primarily from market fluctuations \(i.e., ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (market risk\), counterparty failure \(i.e., credit risk\) and/or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (periods of high volatility or financial stress \(i.e., liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (risk\), as well as any market valuation adjustments that may be) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (required on the transactions. Moreover) Tj ET Q q 0 0 0 rg BT 481.32 749.10 Td (, notional amounts do ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (not reflect the netting of of) Tj ET Q q 0 0 0 rg BT 431.28 737.10 Td (fsetting trades \(also as discussed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (above\). For example, if Citi enters into an interest rate swap ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.28 713.10 Td ($100 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.67 713.10 Td ( notional, and of) Tj ET Q q 0 0 0 rg BT 461.03 713.10 Td (fsets this risk with an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (identical but opposite position with a dif) Tj ET Q q 0 0 0 rg BT 485.46 701.10 Td (ferent counterparty) Tj ET Q q 0 0 0 rg BT 561.16 701.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td ($200 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.39 689.10 Td ( in derivative notionals is reported, although these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (of) Tj ET Q q 0 0 0 rg BT 332.15 677.10 Td (fsetting positions may result in de minimis overall market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (risk. ) Tj ET Q q 0 0 0 rg BT 345.95 665.10 Td (Aggregate derivative notional amounts can fluctuate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (from period to period in the normal course of business based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (on Citi) Tj ET Q q 0 0 0 rg BT 354.28 641.10 Td (s market share, levels of client activity and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (factors.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (Derivative Notionals) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 534.60 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.00 534.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.00 534.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.00 534.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 534.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 534.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 534.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 506.60 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.00 506.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.00 506.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.00 506.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 506.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 506.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 506.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 478.60 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.00 478.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.00 478.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.00 478.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 478.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 478.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 478.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 450.60 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.00 450.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.00 450.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.00 450.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 450.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 450.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 450.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 422.60 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.00 422.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.00 422.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.00 422.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 422.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 422.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 422.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 394.60 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.00 394.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.00 394.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.00 394.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 394.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 394.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 394.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 366.60 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.00 366.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.00 366.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.00 366.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 366.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 366.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 366.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 338.60 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.00 338.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.00 338.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.00 338.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 338.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 338.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 338.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 310.60 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.00 310.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.00 310.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.00 310.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 310.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 310.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 310.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 282.60 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.00 282.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.00 282.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.00 282.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 282.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 282.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 282.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 254.60 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.00 254.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.00 254.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.00 254.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 254.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 254.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 254.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 226.60 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.00 226.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.00 226.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.00 226.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 226.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 226.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 226.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 198.60 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.00 198.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.00 198.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.00 198.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 198.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 198.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 198.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 170.60 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.00 170.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.00 170.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.00 170.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 170.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 170.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 170.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.00 142.60 182.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.00 142.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.00 142.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.00 142.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.00 142.60 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 142.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.00 142.60 58.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218 571.6 m 279 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279 571.6 m 337 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337 571.6 m 398 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 571.6 m 456 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456 571.6 m 517 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517 571.6 m 575 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218 557.6 m 279 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279 557.6 m 337 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337 557.6 m 398 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398 557.6 m 456 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456 557.6 m 517 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 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128.60000000000002 m 517 128.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 517 128.60000000000002 m 575 128.60000000000002 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 576.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 224.05 585.05 Td (Hedging instruments under) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.30 576.05 Td (ASC815) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 287.05 580.13 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.55 576.05 Td (Other derivative instruments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 562.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.45 562.05 Td (Trading derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.20 562.05 Td (Management hedges) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 550.94 566.13 Td (\(3\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.50 538.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 221.80 548.05 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.00 539.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.25 548.06 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.50 539.06 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.80 548.05 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 539.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.25 548.06 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.50 539.06 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.80 548.05 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.00 539.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.25 548.06 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.50 539.06 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 525.05 Td (Interest rate contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.50 525.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.50 525.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 339.50 525.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 525.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.50 525.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 525.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 511.06 Td (Swaps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.50 511.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 246.25 511.05 Td (166,576) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.50 511.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.25 511.06 Td (163,348) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.50 511.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 511.05 Td (22,208,794) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 511.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 511.06 Td (31,906,549) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.50 511.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.75 511.05 Td (28,969) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 511.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 511.06 Td (31,945) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 497.06 Td (Futures and forwards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.50 497.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.50 497.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 497.05 Td (6,868,340) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.50 497.06 Td (7,044,990) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.75 497.05 Td (38,421) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 497.06 Td (42,305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 483.06 Td (Written options) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.50 483.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.50 483.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 483.05 Td (3,033,617) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.50 483.06 Td (3,311,904) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.25 483.05 Td (2,606) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 483.06 Td (3,913) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 469.06 Td (Purchased options) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.50 469.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.50 469.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 469.05 Td (2,887,605) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.50 469.06 Td (3,171,184) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.25 469.05 Td (4,575) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 469.06 Td (4,910) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 455.05 Td (Total interest rate contract notionals) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.50 455.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 246.25 455.05 Td (166,576) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.50 455.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.25 455.06 Td (163,348) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.50 455.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 455.05 Td (34,998,356) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 455.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 455.06 Td (45,434,627) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.50 455.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.75 455.05 Td (74,571) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 455.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 455.06 Td (83,073) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 441.05 Td (Foreign exchange contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.50 441.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 441.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 441.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 427.06 Td (Swaps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.50 427.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.75 427.05 Td (23,007) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.50 427.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.75 427.06 Td (25,157) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.50 427.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 427.05 Td (4,765,687) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 427.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.50 427.06 Td (4,567,977) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.50 427.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.75 427.05 Td (23,960) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 427.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 427.06 Td (23,990) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 413.06 Td (Futures, forwards and spot) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 140.49 417.14 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.75 413.05 Td (72,124) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.75 413.06 Td (73,219) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 413.05 Td (2,563,649) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.50 413.06 Td (3,003,295) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.25 413.05 Td (3,034) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.25 413.06 Td (7,069) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 399.06 Td (Written options) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.00 399.05 Td (448) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.50 399.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 399.05 Td (1,125,664) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.50 399.06 Td (1,343,520) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.50 399.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 399.06 Td (432) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 385.06 Td (Purchased options) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.00 385.05 Td (819) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.50 385.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 385.05 Td (1,131,816) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.50 385.06 Td (1,363,382) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.50 385.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.00 385.06 Td (432) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 371.05 Td (Total foreign exchange contract notionals) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.50 371.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.75 371.05 Td (96,398) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.50 371.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.75 371.06 Td (98,376) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.50 371.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 371.05 Td (9,586,816) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 371.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 371.06 Td (10,278,174) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.50 371.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.75 371.05 Td (26,994) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 371.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 371.06 Td (31,923) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 357.05 Td (Equity contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.50 357.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 357.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 357.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 343.06 Td (Swaps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.50 343.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.50 343.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.50 343.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.50 343.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.50 343.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.25 343.05 Td (180,963) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 343.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.25 343.06 Td (131,344) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.50 343.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.50 343.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 343.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.50 343.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 329.06 Td (Futures and forwards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.50 329.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.50 329.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.75 329.05 Td (33,735) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.75 329.06 Td (30,510) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.50 329.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.50 329.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 315.06 Td (Written options) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.50 315.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.50 315.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.25 315.05 Td (298,876) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.25 315.06 Td (305,627) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.50 315.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.50 315.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 301.06 Td (Purchased options) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.50 301.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.50 301.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.25 301.05 Td (265,062) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.25 301.06 Td (275,216) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.50 301.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.50 301.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 287.05 Td (Total equity contract notionals) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.50 287.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.50 287.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.50 287.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.50 287.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.50 287.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.25 287.05 Td (778,636) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 287.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.25 287.06 Td (742,697) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.50 287.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.50 287.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 287.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.50 287.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 273.05 Td (Commodity and other contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.50 273.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 273.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 273.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 259.06 Td (Swaps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.50 259.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.50 259.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.50 259.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.50 259.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.50 259.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.75 259.05 Td (70,561) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 259.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.75 259.06 Td (90,817) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.50 259.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.50 259.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 259.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.50 259.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 245.06 Td (Futures and forwards) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.00 245.05 Td (789) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.25 245.06 Td (1,089) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.25 245.05 Td (106,474) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.25 245.06 Td (106,021) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.50 245.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.50 245.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 231.06 Td (Written options) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.50 231.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.50 231.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.75 231.05 Td (72,648) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.25 231.06 Td (104,581) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.50 231.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.50 231.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 217.06 Td (Purchased options) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.50 217.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.50 217.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 369.75 217.05 Td (66,051) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.75 217.06 Td (95,567) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.50 217.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.50 217.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 203.05 Td (Total commodity and other contract notionals) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.50 203.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.00 203.05 Td (789) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.50 203.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.25 203.06 Td (1,089) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.50 203.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.25 203.05 Td (315,734) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 203.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.25 203.06 Td (396,986) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.50 203.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.50 203.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 203.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.50 203.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 189.05 Td (Cr) Tj ET Q q 0 0 0 rg BT 48.83 189.05 Td (edit derivatives) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 107.57 193.13 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.50 189.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 189.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 189.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 175.06 Td (Protection sold) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.50 175.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.50 175.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.50 175.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.50 175.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.50 175.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.25 175.05 Td (950,922) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 175.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.50 175.06 Td (1,063,858) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.50 175.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.50 175.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 175.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.50 175.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 161.06 Td (Protection purchased) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.50 161.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.50 161.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.25 161.05 Td (981,586) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.50 161.06 Td (1,100,369) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.75 161.05 Td (23,628) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 161.06 Td (16,018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 147.05 Td (Total credit derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.50 147.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.50 147.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.50 147.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.50 147.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.50 147.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.50 147.05 Td (1,932,508) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 147.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.50 147.06 Td (2,164,227) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.50 147.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.75 147.05 Td (23,628) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 147.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.75 147.06 Td (16,018) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.50 133.05 Td (Total derivative notionals) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.50 133.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 246.25 133.05 Td (263,763) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 281.50 133.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.25 133.06 Td (262,813) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.50 133.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.00 133.05 Td (47,612,050) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 133.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 133.06 Td (59,016,711) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.50 133.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.25 133.05 Td (125,193) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 133.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.25 133.06 Td (131,014) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 111.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 111.50 Td (The notional amounts presented in this table do not include hedge accounting relationships under ) Tj ET Q q 0 0 0 rg BT 366.37 111.50 Td (ASC815 where Citigroup is hedging the foreign currency risk of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 101.90 Td (a net investment in a foreign operation by issuing a foreign-currency-denominated debt instrument. ) Tj ET Q q 0 0 0 rg BT 373.32 101.90 Td (The notional amount of such debt was ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.51 101.90 Td ($2,102 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 544.63 101.90 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 92.30 Td ($3,752 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 101.11 92.30 Td ( at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 110.89 92.30 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 173.75 92.30 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 189.30 92.30 Td (December31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.17 92.30 Td (, respectively) Tj ET Q q 0 0 0 rg BT 294.30 92.30 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 82.70 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 82.70 Td (Derivatives in hedge accounting relationships accounted for under ) Tj ET Q q 0 0 0 rg BT 267.71 82.70 Td (ASC815 are recorded in either ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 369.45 82.70 Td (Other assets/Other liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 462.34 82.70 Td ( or ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 473.00 82.70 Td (T) Tj ET Q q 0 0 0 rg BT 477.01 82.70 Td (rading account assets/T) Tj ET Q q 0 0 0 rg BT 553.01 82.70 Td (rading ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 73.10 Td (account liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 111.55 73.10 Td ( on the Consolidated Balance Sheet.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 63.50 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 63.50 Td (Management hedges represent derivative instruments used to mitigate certain economic risks, but for which hedge accounting is not applied. ) Tj ET Q q 0 0 0 rg BT 505.95 63.50 Td (These derivatives are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 53.90 Td (recorded in either ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 112.41 53.90 Td (Other assets/Other liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 205.30 53.90 Td ( or ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 215.96 53.90 Td (T) Tj ET Q q 0 0 0 rg BT 219.97 53.90 Td (rading account assets/T) Tj ET Q q 0 0 0 rg BT 295.98 53.90 Td (rading account liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 376.86 53.90 Td ( on the Consolidated Balance Sheet.) Tj ET Q endstream endobj 487 0 obj <> endobj 488 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (241) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 750.50 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 750.50 Td (Foreign exchange notional contracts include spot contract notionals of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 280.82 750.50 Td ($335 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 319.71 750.50 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.27 750.50 Td ($849 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.16 750.50 Td ( at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 383.93 750.50 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 446.80 750.50 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 462.35 750.50 Td (December31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 525.21 750.50 Td (, respectively) Tj ET Q q 0 0 0 rg BT 567.34 750.50 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 740.90 Td (Previous presentations of foreign exchange derivative notional contracts did not include spot contracts. ) Tj ET Q q 0 0 0 rg BT 387.32 740.90 Td (There was no impact to the Consolidated Financial ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 731.30 Td (Statements related to this updated presentation.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 721.70 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 721.70 Td (Credit derivatives are arrangements designed to allow one party \(protection buyer\) to transfer the credit risk of a reference asset to another party \(protection ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 712.10 Td (seller\). ) Tj ET Q q 0 0 0 rg BT 77.84 712.10 Td (These arrangements allow a protection seller to assume the credit risk associated with the reference asset without directly purchasing that asset. ) Tj ET Q q 0 0 0 rg BT 538.43 712.10 Td (The ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 702.50 Td (Company enters into credit derivative positions for purposes such as risk management, yield enhancement, reduction of credit concentrations and diversification ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 692.90 Td (of overall risk.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 660.90 Td (The following tables present the gross and net fair values ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 648.90 Td (of the Company) Tj ET Q q 0 0 0 rg BT 103.21 648.90 Td (s derivative transactions, and the related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 636.90 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 636.90 Td (fsetting amounts permitted under ) Tj ET Q q 0 0 0 rg BT 178.57 636.90 Td (ASC210-20-45 and ) Tj ET Q q 0 0 0 rg BT 261.07 636.90 Td (ASC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 624.90 Td (815-10-45, as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.32 624.90 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.90 624.90 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.34 624.90 Td (December31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.93 624.90 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 612.90 Td (Under ) Tj ET Q q 0 0 0 rg BT 62.94 612.90 Td (ASC210-20-45, gross positive fair values are of) Tj ET Q q 0 0 0 rg BT 256.61 612.90 Td (fset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 600.90 Td (against gross negative fair values by counterparty pursuant to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 588.90 Td (enforceable master netting agreements. Under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 576.90 Td (ASC815-10-45, payables and receivables in respect of cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 564.90 Td (collateral received from or paid to a given counterparty ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 552.90 Td (pursuant to a credit support annex are included in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 540.90 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 540.90 Td (fsetting amount if a legal opinion supporting enforceability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 528.90 Td (of netting and collateral rights has been obtained. GAAP) Tj ET Q q 0 0 0 rg BT 262.51 528.90 Td ( does ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 516.90 Td (not permit similar of) Tj ET Q q 0 0 0 rg BT 118.30 516.90 Td (fsetting for security collateral. ) Tj ET Q q 0 0 0 rg BT 241.13 516.90 Td (The tables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 504.90 Td (also include amounts that are not permitted to be of) Tj ET Q q 0 0 0 rg BT 241.60 504.90 Td (fset under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 492.90 Td (ASC210-20-45 and ) Tj ET Q q 0 0 0 rg BT 118.50 492.90 Td (ASC 815-10-45, such as security ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 480.90 Td (collateral posted or cash collateral posted at third-party ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 468.90 Td (custodians, but which would be eligible for of) Tj ET Q q 0 0 0 rg BT 219.67 468.90 Td (fsetting to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 456.90 Td (extent an event of default occurred and a legal opinion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 444.90 Td (supporting enforceability of the netting and collateral rights ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 432.90 Td (has been obtained.) Tj ET Q endstream endobj 489 0 obj <> endobj 490 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (242) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Derivative Mark-to-Market \(MTM\) Receivables/Payables) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 692.75 320.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 692.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 692.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 692.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 692.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 664.75 320.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 664.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 664.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 664.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 664.75 55.00 -14.00 re f /GS0 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0.9333333333333333 1 rg /GS0 gs 465.50 580.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 580.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 552.75 320.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 552.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 552.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 552.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 552.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 524.75 320.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 524.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 524.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 524.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 524.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 496.75 320.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 496.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 496.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 496.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 496.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 468.75 320.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 468.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 468.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 468.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 468.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 440.75 320.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 440.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 440.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 440.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 440.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 412.75 320.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 412.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 412.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 412.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 412.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 384.75 320.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 384.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 384.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 384.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 384.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 356.75 320.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 356.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 356.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 356.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 356.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 328.75 320.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 328.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 328.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 328.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 328.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 300.75 320.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 300.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 300.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 300.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 300.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 272.75 320.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 272.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 272.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 272.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 272.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 235.75 320.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 235.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 235.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 235.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 235.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 207.75 320.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 207.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 207.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 207.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 207.75 55.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 706.75 m 355.5 706.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 706.75 m 410.5 706.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 706.75 m 465.5 706.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 706.75 m 520.5 706.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 706.75 m 575.5 706.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 692.75 m 355.5 692.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 692.75 m 410.5 692.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 706.75 m 465.5 692.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 692.75 m 465.5 692.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 692.75 m 520.5 692.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 692.75 m 575.5 692.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 692.75 m 465.5 678.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 678.75 m 465.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 664.75 m 355.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 650.75 m 355.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 664.75 m 410.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 650.75 m 410.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 664.75 m 465.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 664.75 m 465.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 650.75 m 465.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 664.75 m 520.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 650.75 m 520.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 664.75 m 575.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 650.75 m 575.5 650.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 650.75 m 465.5 636.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 636.75 m 355.5 636.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 622.75 m 355.5 622.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 636.75 m 410.5 636.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 622.75 m 410.5 622.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 636.75 m 465.5 622.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 636.75 m 465.5 636.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 622.75 m 465.5 622.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 636.75 m 520.5 636.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 622.75 m 520.5 622.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 636.75 m 575.5 636.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 622.75 m 575.5 622.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 622.75 m 355.5 622.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 608.75 m 355.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 622.75 m 410.5 622.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 608.75 m 410.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 622.75 m 465.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 622.75 m 465.5 622.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 608.75 m 465.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 622.75 m 520.5 622.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 608.75 m 520.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 622.75 m 575.5 622.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 608.75 m 575.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 608.75 m 465.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 594.75 m 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J 0 j 3 M 520.5 538.75 m 575.5 538.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 538.75 m 465.5 524.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 524.75 m 465.5 510.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 510.75 m 465.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 496.75 m 355.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 482.75 m 355.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 496.75 m 410.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 482.75 m 410.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 496.75 m 465.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 496.75 m 465.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 482.75 m 465.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 496.75 m 520.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 482.75 m 520.5 482.75 l s 0 0 0 RG 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9.00 Tf ET q 0 0 0 rg BT 496.75 683.20 Td (2,328) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 683.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 683.20 Td (106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 669.21 Td (Cleared) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.75 669.20 Td (4,607) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.75 669.20 Td (1,471) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.50 669.20 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 669.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 655.20 Td (Interest rate contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 655.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.75 655.20 Td (4,869) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 655.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.75 655.20 Td (1,576) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 655.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 655.20 Td (2,333) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 655.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 655.20 Td (106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 641.21 Td (Over-the-counter) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 641.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.75 641.20 Td (2,688) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 641.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.50 641.20 Td (364) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 641.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 641.20 Td (95) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 641.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 641.20 Td (677) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 627.20 Td (Foreign exchange contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 627.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.75 627.20 Td (2,688) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 627.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.50 627.20 Td (364) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 627.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 627.20 Td (95) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 627.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 627.20 Td (677) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 613.20 Td (Total derivative instruments designated as ASC815 hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 613.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.75 613.20 Td (7,557) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 613.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.75 613.20 Td (1,940) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 613.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 613.20 Td (2,428) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 613.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 613.20 Td (783) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 599.20 Td (Derivatives instruments not designated as ASC815 hedges) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.00 599.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.00 599.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 599.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 599.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 585.21 Td (Over-the-counter) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 585.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.75 585.20 Td (289,124) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 585.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.75 585.20 Td (267,761) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 585.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.50 585.20 Td (182) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 585.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 585.20 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 571.21 Td (Cleared) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.75 571.20 Td (120,848) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.75 571.20 Td (126,532) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.50 571.20 Td (244) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 571.20 Td (216) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 557.21 Td (Exchange traded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.00 557.20 Td (53) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 557.20 Td (35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 557.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 557.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 543.20 Td (Interest rate contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 543.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.75 543.20 Td (410,025) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 543.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.75 543.20 Td (394,328) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 543.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.50 543.20 Td (426) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 543.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 543.20 Td (228) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 529.21 Td (Over-the-counter) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 529.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.75 529.20 Td (126,474) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 529.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.75 529.20 Td (133,361) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 529.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 529.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 529.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 529.20 Td (66) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 515.21 Td (Cleared) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.50 515.20 Td (134) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.50 515.20 Td (152) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 515.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 515.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 501.21 Td (Exchange traded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.00 501.20 Td (21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.00 501.20 Td (36) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 501.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 501.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 487.20 Td (Foreign exchange contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 487.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.75 487.20 Td (126,629) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 487.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.75 487.20 Td (133,549) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 487.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 487.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 487.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 487.20 Td (66) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 473.21 Td (Over-the-counter) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 473.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.25 473.20 Td (14,560) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 473.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 473.20 Td (20,107) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 473.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 473.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 473.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 473.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 459.21 Td (Cleared) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.00 459.20 Td (28) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.50 459.20 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 459.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 459.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 445.21 Td (Exchange traded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.75 445.20 Td (7,297) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.75 445.20 Td (6,406) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 445.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 445.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 431.20 Td (Equity contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 431.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.25 431.20 Td (21,885) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 431.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 431.20 Td (26,516) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 431.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 431.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 431.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 431.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 417.21 Td (Over-the-counter) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 417.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.25 417.20 Td (16,794) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 417.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 417.20 Td (18,641) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 417.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 417.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 417.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 417.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 403.21 Td (Exchange traded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.75 403.20 Td (1,216) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.75 403.20 Td (1,912) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 403.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 403.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 389.20 Td (Commodity and other contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 389.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.25 389.20 Td (18,010) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 389.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 389.20 Td (20,553) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 389.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 389.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 389.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 389.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 375.21 Td (Over-the-counter) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 375.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.25 375.20 Td (31,072) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 375.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 375.20 Td (30,608) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 375.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.50 375.20 Td (711) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 375.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 375.20 Td (245) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 361.21 Td (Cleared) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.75 361.20 Td (3,803) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.75 361.20 Td (3,560) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.50 361.20 Td (131) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 361.20 Td (318) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 347.20 Td (Cr) Tj ET Q q 0 0 0 rg BT 48.33 347.20 Td (edit derivatives) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 107.07 351.28 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 347.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.25 347.20 Td (34,875) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 347.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 347.20 Td (34,168) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 347.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.50 347.20 Td (842) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 347.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 347.20 Td (563) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 333.20 Td (Total derivatives instruments not designated as ASC815 hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 333.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.75 333.20 Td (611,424) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 333.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.75 333.20 Td (609,114) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 333.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 333.20 Td (1,268) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 333.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 558.50 333.20 Td (857) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 319.20 Td (Total derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 319.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.75 319.20 Td (618,981) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 319.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.75 319.20 Td (611,054) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 319.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 319.20 Td (3,696) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 319.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 319.20 Td (1,640) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 305.21 Td (Cash collateral paid/received) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 142.45 309.29 Td (\(5\)\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 305.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.75 305.20 Td (4,911) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 305.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 305.20 Td (13,628) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 305.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.50 305.20 Td (8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 305.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 305.20 Td (37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 291.21 Td (Less: Netting agreements) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 129.47 295.29 Td (\(7\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.75 291.20 Td (\(524,481) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 291.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.75 291.20 Td (\(524,481) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.00 291.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 291.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 291.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 277.21 Td (Less: Netting cash collateral received/paid) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 190.93 281.29 Td (\(8\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.25 277.20 Td (\(43,227) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 277.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.25 277.20 Td (\(42,609) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.00 277.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.75 277.20 Td (\(1,949) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 277.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 560.00 277.20 Td (\(53) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 572.00 277.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 263.20 Td (Net r) Tj ET Q q 0 0 0 rg BT 57.57 263.20 Td (eceivables/payables included on the consolidated balance sheet) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 297.08 267.28 Td (\(9\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 263.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.25 263.20 Td (56,184) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 263.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 263.20 Td (57,592) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 263.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 263.20 Td (1,755) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 263.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 263.20 Td (1,624) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 250.15 Td (Additional amounts subject to an enforceable master netting agreement but not) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 47.00 239.35 Td (offset on the Consolidated Balance Sheet) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 226.20 Td (Less: Cash collateral received/paid) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 226.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.50 226.20 Td (\(779) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 226.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 226.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.50 226.20 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.00 226.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 226.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.00 226.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 226.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 226.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 212.20 Td (Less: Non-cash collateral received/paid) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.75 212.20 Td (\(9,855) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 212.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.75 212.20 Td (\(5,131) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.00 212.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.50 212.20 Td (\(270) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 212.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 563.00 212.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 198.20 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 198.20 Td (otal net r) Tj ET Q q 0 0 0 rg BT 78.00 198.20 Td (eceivables/payables) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 152.50 202.28 Td (\(9\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.00 198.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.25 198.20 Td (45,550) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 198.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.25 198.20 Td (52,459) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 198.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 198.20 Td (1,485) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 198.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.75 198.20 Td (1,624) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 176.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 176.65 Td (The trading derivatives fair values are presented in Note) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 235.93 176.65 Td (13) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 243.93 176.65 Td ( to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 167.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 167.05 Td (Derivative mark-to-market receivables/payables related to management hedges are recorded in either ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 379.40 167.05 Td (Other assets/Other liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.29 167.05 Td ( or ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 482.95 167.05 Td (T) Tj ET Q q 0 0 0 rg BT 486.96 167.05 Td (rading account assets/) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 157.45 Td (T) Tj ET Q q 0 0 0 rg BT 58.01 157.45 Td (rading account liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 138.89 157.45 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 147.85 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 147.85 Td (Over) Tj ET Q q 0 0 0 rg BT 69.83 147.85 Td (-the-counter \(OTC\) derivatives are derivatives executed and settled bilaterally with counterparties without the use of an or) Tj ET Q q 0 0 0 rg BT 460.65 147.85 Td (ganized exchange or central ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 138.25 Td (clearing house. Cleared derivatives include derivatives executed bilaterally with a counterparty in the OTC market but then novated to a central clearing house, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 128.65 Td (whereby the central clearing house becomes the counterparty to both of the original counterparties. Exchange traded derivatives include derivatives executed ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 119.05 Td (directly on an or) Tj ET Q q 0 0 0 rg BT 106.50 119.05 Td (ganized exchange that provides pre-trade price transparency) Tj ET Q q 0 0 0 rg BT 298.33 119.05 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 109.45 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 109.45 Td (The credit derivatives trading assets comprise ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 202.39 109.45 Td ($17,957 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 253.51 109.45 Td ( related to protection purchased and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.91 109.45 Td ($16,918 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.02 109.45 Td ( related to protection sold as of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 522.10 109.45 Td (December31, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 99.85 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 70.00 99.85 Td (. ) Tj ET Q q 0 0 0 rg BT 73.86 99.85 Td (The credit derivatives trading liabilities comprise ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.36 99.85 Td ($16,968 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.47 99.85 Td ( related to protection purchased and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.87 99.85 Td ($17,200 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.98 99.85 Td ( related to protection sold as of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 90.25 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 116.87 90.25 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 80.65 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 80.65 Td (For the trading account assets/liabilities, reflects the net amount of the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 280.60 80.65 Td ($47,520 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.71 80.65 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 347.27 80.65 Td ($56,855 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 398.38 80.65 Td ( of gross cash collateral paid and received, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 71.05 Td (respectively) Tj ET Q q 0 0 0 rg BT 92.13 71.05 Td (. Of the gross cash collateral paid, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 202.98 71.05 Td ($42,609 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 254.09 71.05 Td ( was used to of) Tj ET Q q 0 0 0 rg BT 301.94 71.05 Td (fset trading derivative liabilities and, of the gross cash collateral received, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 539.85 71.05 Td ($43,227 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 61.45 Td (million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 77.11 61.45 Td ( was used to of) Tj ET Q q 0 0 0 rg BT 124.96 61.45 Td (fset trading derivative assets.) Tj ET Q endstream endobj 491 0 obj <> endobj 492 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (243) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 750.50 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 750.50 Td (For cash collateral paid with respect to non-trading derivative assets, reflects the net amount of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.68 750.50 Td ($61 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 396.79 750.50 Td ( of gross cash collateral paid, of which ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 522.30 750.50 Td ($53 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.42 750.50 Td ( is ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 740.90 Td (netted against non-trading derivative positions within ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 226.86 740.90 Td (Other liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 277.74 740.90 Td (. For cash collateral received with respect to non-trading derivative liabilities, reflects the net ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 731.30 Td (amount of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 88.66 731.30 Td ($1,986 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 135.77 731.30 Td ( of gross cash collateral received, of which ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.61 731.30 Td ($1,949 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 321.72 731.30 Td ( is netted against OTC non-trading derivative positions within ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 521.91 731.30 Td (Other assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 561.69 731.30 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 721.70 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 721.70 Td (Represents the netting of derivative receivable and payable balances with the same counterparty under enforceable netting agreements. ) Tj ET Q q 0 0 0 rg BT 487.15 721.70 Td (Approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.59 721.70 Td ($391 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 712.10 Td (billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 74.89 712.10 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 78.89 712.10 Td ($126 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 117.78 712.10 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 133.33 712.10 Td ($7 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 164.22 712.10 Td ( of the netting against trading account asset/liability balances is attributable to each of the OTC, cleared and exchange-traded ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 702.50 Td (derivatives, respectively) Tj ET Q q 0 0 0 rg BT 131.23 702.50 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 692.90 Td (\(8\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 692.90 Td (Represents the netting of cash collateral paid and received by counterparty under enforceable credit support agreements. Substantially all cash collateral received ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 683.30 Td (and paid is netted against OTC derivative assets and liabilities, respectively) Tj ET Q q 0 0 0 rg BT 294.97 683.30 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 673.70 Td (\(9\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 673.70 Td (The net receivables/payables include approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 222.15 673.70 Td ($10 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 257.04 673.70 Td ( of derivative asset and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 332.79 673.70 Td ($10 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.68 673.70 Td ( of derivative liability fair values not subject to enforceable ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 664.10 Td (master netting agreements, respectively) Tj ET Q q 0 0 0 rg BT 180.10 664.10 Td (.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.00 602.00 297.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.00 602.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.00 602.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 602.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 602.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.00 574.00 297.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.00 574.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.00 574.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 574.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 574.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.00 546.00 297.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.00 546.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.00 546.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 546.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 546.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.00 518.00 297.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.00 518.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.00 518.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 518.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 518.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.00 490.00 297.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.00 490.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.00 490.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 490.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 490.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.00 462.00 297.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.00 462.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.00 462.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 462.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 462.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.00 434.00 297.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.00 434.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.00 434.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 434.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 434.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.00 406.00 297.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.00 406.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.00 406.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 406.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 406.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.00 378.00 297.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.00 378.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.00 378.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 378.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 378.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.00 350.00 297.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.00 350.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.00 350.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 350.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 350.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.00 322.00 297.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.00 322.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.00 322.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 322.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 322.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.00 294.00 297.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.00 294.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.00 294.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 294.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 294.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.00 266.00 297.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.00 266.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.00 266.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 266.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 266.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.00 238.00 297.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.00 238.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.00 238.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 238.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 238.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.00 210.00 297.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.00 210.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.00 210.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 210.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 210.00 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.00 182.00 297.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.00 182.00 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.00 182.00 67.00 -14.00 re f /GS0 gs 0.8 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Tf ET q 0 0 0 rg BT 401.50 592.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 592.46 Td (204) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 592.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.25 592.46 Td (3,117) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 592.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 592.46 Td (414) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 37.50 578.46 Td (Cleared) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.25 578.46 Td (4,300) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 578.46 Td (868) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 578.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 578.46 Td (25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 37.50 564.45 Td (Interest rate contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 564.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.25 564.46 Td (5,808) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 564.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.25 564.46 Td (1,072) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 564.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.25 564.46 Td (3,117) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 564.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 564.46 Td (439) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 37.50 550.46 Td (Over-the-counter) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 550.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.25 550.46 Td (3,885) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 550.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 550.46 Td (743) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 550.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 550.46 Td (678) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 550.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 550.46 Td (588) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 37.50 536.45 Td (Foreign exchange contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 536.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.25 536.46 Td (3,885) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 536.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 536.46 Td (743) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 536.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 536.46 Td (678) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 536.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 536.46 Td (588) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 37.50 522.45 Td (Total derivative instruments designated as ASC 815 hedges) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 522.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.25 522.46 Td (9,693) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 522.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.25 522.46 Td (1,815) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 522.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.25 522.46 Td (3,795) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 522.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 522.46 Td (1,027) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 37.50 508.45 Td (Derivatives instruments not designated as ASC 815 hedges) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 508.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 508.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 508.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 508.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 37.50 494.46 Td (Over-the-counter) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 494.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.25 494.46 Td (376,778) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 494.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.25 494.46 Td (359,689) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 494.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 494.46 Td (106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 494.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 494.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 37.50 480.46 Td (Cleared) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.25 480.46 Td (255,847) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.25 480.46 Td (261,499) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 480.46 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 480.46 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 37.50 466.46 Td (Exchange traded) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.50 466.46 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.50 466.46 Td (22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 466.46 Td (141) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 466.46 Td (164) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 37.50 452.45 Td (Interest rate contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 452.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.25 452.46 Td (632,645) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 452.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.25 452.46 Td (621,210) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 452.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 452.46 Td (253) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 452.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 452.46 Td (185) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 37.50 438.46 Td (Over-the-counter) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 438.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.25 438.46 Td (151,736) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 438.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.25 438.46 Td (157,650) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 438.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 438.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 438.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 438.46 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 37.50 424.46 Td (Cleared) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 424.46 Td (366) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 424.46 Td (387) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 424.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 424.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 37.50 410.46 Td (Exchange traded) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 410.46 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.50 410.46 Td (46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 410.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 410.46 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 37.50 396.45 Td (Foreign exchange contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 396.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.25 396.46 Td (152,109) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 396.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.25 396.46 Td (158,083) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 396.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 396.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 396.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 396.46 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 37.50 382.46 Td (Over-the-counter) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 382.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 382.46 Td (20,425) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 382.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.75 382.46 Td (28,333) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 382.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 382.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 382.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 382.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 37.50 368.46 Td (Cleared) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.50 368.46 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.50 368.46 Td (35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 368.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 368.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 37.50 354.46 Td (Exchange traded) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.25 354.46 Td (4,311) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.25 354.46 Td (4,101) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 354.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 354.46 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 37.50 340.45 Td (Equity contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 340.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 340.46 Td (24,752) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 340.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.75 340.46 Td (32,469) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 340.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 340.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 340.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 340.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 37.50 326.46 Td (Over-the-counter) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 326.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 326.46 Td (19,943) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 326.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.75 326.46 Td (23,103) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 326.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 326.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 326.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 326.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 37.50 312.46 Td (Exchange traded) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.25 312.46 Td (3,577) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.25 312.46 Td (3,083) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 312.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 312.46 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 37.50 298.45 Td (Commodity and other contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 298.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 298.46 Td (23,520) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 298.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.75 298.46 Td (26,186) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 298.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 298.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 298.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 298.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 37.50 284.46 Td (Over-the-counter) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 284.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 284.46 Td (39,412) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 284.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.75 284.46 Td (39,439) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 284.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 284.46 Td (265) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 284.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 284.46 Td (384) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 37.50 270.46 Td (Cleared) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.25 270.46 Td (4,106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.25 270.46 Td (3,991) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 270.46 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 270.46 Td (171) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 37.50 256.45 Td (Cr) Tj ET Q q 0 0 0 rg BT 47.83 256.45 Td (edit derivatives) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 106.57 260.53 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 256.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 256.46 Td (43,518) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 256.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.75 256.46 Td (43,430) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 256.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 256.46 Td (278) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 256.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 256.46 Td (555) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 37.50 242.45 Td (Total derivatives instruments not designated as ASC 815 hedges) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 242.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.25 242.46 Td (876,544) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 242.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.25 242.46 Td (881,378) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 242.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 242.46 Td (531) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 242.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 242.46 Td (757) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 37.50 228.45 Td (Total derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 228.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.25 228.46 Td (886,237) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 228.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.25 228.46 Td (883,193) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 228.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.25 228.46 Td (4,326) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 228.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 228.46 Td (1,784) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 37.50 214.46 Td (Cash collateral paid/received) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 141.95 218.54 Td (\(5\)\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 214.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.25 214.46 Td (6,523) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 214.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.25 214.46 Td (9,846) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 214.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 214.46 Td (123) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 214.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.00 214.46 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 37.50 200.46 Td (Less: Netting agreements) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 128.97 204.54 Td (\(7\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.25 200.46 Td (\(777,178) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.50 200.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.25 200.46 Td (\(777,178) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.50 200.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 200.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 200.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 37.50 186.46 Td (Less: Netting cash collateral received/paid) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 190.43 190.54 Td (\(8\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 186.46 Td (\(47,625) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.50 186.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.75 186.46 Td (\(47,769) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.50 186.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.25 186.46 Td (\(1,791) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 186.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.50 186.46 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.50 186.46 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 37.50 172.45 Td (Net r) Tj ET Q q 0 0 0 rg BT 57.07 172.45 Td (eceivables/payables included on the Consolidated Balance Sheet) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 301.59 176.53 Td (\(9\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 172.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 172.46 Td (67,957) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 172.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.75 172.46 Td (68,092) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 172.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.25 172.46 Td (2,658) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 172.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 172.46 Td (1,776) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 37.50 159.40 Td (Additional amounts subject to an enforceable master netting agreement but) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 46.50 148.60 Td (not offset on the Consolidated Balance Sheet) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 37.50 135.45 Td (Less: Cash collateral received/paid) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 135.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.00 135.46 Td (\(867) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.50 135.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 135.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.50 135.46 Td (\(11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.50 135.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 135.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 135.46 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 135.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 135.46 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 37.50 121.45 Td (Less: Non-cash collateral received/paid) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 121.46 Td (\(10,043) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.50 121.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.25 121.46 Td (\(6,264) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.50 121.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.25 121.46 Td (\(1,293) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 121.46 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.50 121.46 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 37.50 107.45 Td (T) Tj ET Q q 0 0 0 rg BT 42.68 107.45 Td (otal net r) Tj ET Q q 0 0 0 rg BT 77.50 107.45 Td (eceivables/payables) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 152.00 111.53 Td (\(9\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.50 107.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 107.46 Td (57,047) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.50 107.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.75 107.46 Td (61,817) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 107.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.25 107.46 Td (1,365) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.50 107.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.25 107.46 Td (1,776) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 85.90 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 85.90 Td (The trading derivatives fair values are presented in Note) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 235.93 85.90 Td (13) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 243.93 85.90 Td ( to the Consolidated Financial Statements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 76.30 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 76.30 Td (Derivative mark-to-market receivables/payables related to management hedges are recorded in either ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 379.40 76.30 Td (Other assets/Other liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.29 76.30 Td ( or ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 482.95 76.30 Td (T) Tj ET Q q 0 0 0 rg BT 486.96 76.30 Td (rading account assets/) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 66.70 Td (T) Tj ET Q q 0 0 0 rg BT 58.01 66.70 Td (rading account liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 138.89 66.70 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 57.10 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 57.10 Td (Over) Tj ET Q q 0 0 0 rg BT 69.83 57.10 Td (-the-counter \(OTC\) derivatives include derivatives executed and settled bilaterally with counterparties without the use of an or) Tj ET Q q 0 0 0 rg BT 474.43 57.10 Td (ganized exchange or central ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 47.50 Td (clearing house. Cleared derivatives include derivatives executed bilaterally with a counterparty in the OTC market but then novated to a central clearing house, ) Tj ET Q endstream endobj 493 0 obj <> endobj 494 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (244) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 750.50 Td (whereby the central clearing house becomes the counterparty to both of the original counterparties. Exchange traded derivatives include derivatives executed ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 740.90 Td (directly on an or) Tj ET Q q 0 0 0 rg BT 106.50 740.90 Td (ganized exchange that provides pre-trade price transparency) Tj ET Q q 0 0 0 rg BT 298.33 740.90 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 731.30 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 731.30 Td (The credit derivatives trading assets comprise ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 202.39 731.30 Td ($18,430 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 253.51 731.30 Td ( related to protection purchased and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.91 731.30 Td ($25,088 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.02 731.30 Td ( related to protection sold as of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 522.10 731.30 Td (December31, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 721.70 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 70.00 721.70 Td (. ) Tj ET Q q 0 0 0 rg BT 73.86 721.70 Td (The credit derivatives trading liabilities comprise ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.36 721.70 Td ($25,972 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.47 721.70 Td ( related to protection purchased and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.87 721.70 Td ($17,458 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.98 721.70 Td ( related to protection sold as of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 712.10 Td (December31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 116.87 712.10 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 702.50 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 702.50 Td (For the trading account assets/liabilities, reflects the net amount of the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 280.60 702.50 Td ($54,292 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.71 702.50 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 347.27 702.50 Td ($57,471 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 398.38 702.50 Td ( of gross cash collateral paid and received, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 692.90 Td (respectively) Tj ET Q q 0 0 0 rg BT 92.13 692.90 Td (. Of the gross cash collateral paid, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 202.98 692.90 Td ($47,769 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 254.09 692.90 Td ( was used to of) Tj ET Q q 0 0 0 rg BT 301.94 692.90 Td (fset derivative liabilities and, of the gross cash collateral received, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.19 692.90 Td ($47,625 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 566.30 692.90 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 683.30 Td (was used to of) Tj ET Q q 0 0 0 rg BT 99.85 683.30 Td (fset derivative assets.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 673.70 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 673.70 Td (For cash collateral paid with respect to non-trading derivative assets, reflects the net amount of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.68 673.70 Td ($138 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.79 673.70 Td ( of the gross cash collateral paid, of which ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 538.08 673.70 Td ($15 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 575.19 673.70 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 664.10 Td (is netted against non-trading derivative positions within ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 234.19 664.10 Td (Other liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 285.08 664.10 Td (. For cash collateral received with respect to non-trading derivative liabilities, reflects the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 654.50 Td (net amount of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 100.43 654.50 Td ($1,798 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 147.55 654.50 Td ( of gross cash collateral received of which ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.38 654.50 Td ($1,791 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.49 654.50 Td ( is netted against non-trading derivative positions within ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 513.68 654.50 Td (Other assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 553.46 654.50 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 644.90 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 644.90 Td (Represents the netting of derivative receivable and payable balances with the same counterparty under enforceable netting agreements. ) Tj ET Q q 0 0 0 rg BT 487.15 644.90 Td (Approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.59 644.90 Td ($510 ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 635.30 Td (billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 74.89 635.30 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 78.89 635.30 Td ($264 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 117.78 635.30 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 133.33 635.30 Td ($3 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 164.22 635.30 Td ( of the netting against trading account asset/liability balances is attributable to each of the OTC, cleared and exchange-traded ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 625.70 Td (derivatives, respectively) Tj ET Q q 0 0 0 rg BT 131.23 625.70 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 616.10 Td (\(8\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 616.10 Td (Represents the netting of cash collateral paid and received by counterparty under enforceable credit support agreements. Substantially all cash collateral received ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 606.50 Td (is netted against OTC derivative assets. Cash collateral paid of approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.59 606.50 Td ($46 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 339.48 606.50 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 355.04 606.50 Td ($2 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 385.93 606.50 Td ( is netted against OTC and cleared derivative liabilities, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 596.90 Td (respectively) Tj ET Q q 0 0 0 rg BT 92.13 596.90 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 587.30 Td (\(9\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 587.30 Td (The net receivables/payables include approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 222.15 587.30 Td ($1) Tj ET Q q 0 0 0 rg BT 229.86 587.30 Td (1 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 256.75 587.30 Td ( of derivative asset and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 332.50 587.30 Td ($10 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.39 587.30 Td ( of liability fair values not subject to enforceable master netting ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 577.70 Td (agreements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 553.70 Td (For the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.11 553.70 Td (years ended) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.58 553.70 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.08 553.70 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.67 553.70 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.67 553.70 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.67 553.70 Td ( and 2013, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 541.70 Td (the amounts recognized in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 143.74 541.70 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.47 541.70 Td ( in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 529.70 Td (Consolidated Statement of Income related to derivatives not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 517.70 Td (designated in a qualifying hedging relationship, as well as the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 505.70 Td (underlying non-derivative instruments, are presented in Note) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.04 505.70 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.04 505.70 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 493.70 Td (to the Consolidated Financial Statements. Citigroup presents ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 481.70 Td (this disclosure by business classification, showing derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 469.70 Td (gains and losses related to its trading activities together with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 457.70 Td (gains and losses related to non-derivative instruments within ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 445.70 Td (the same trading portfolios, as this represents the way these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 433.70 Td (portfolios are risk managed.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 421.70 Td (The amounts recognized in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 165.07 421.70 Td (Other r) Tj ET Q q 0 0 0 rg BT 194.42 421.70 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.18 421.70 Td ( in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 409.70 Td (Consolidated Statement of Income related to derivatives not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 397.70 Td (designated in a qualifying hedging relationship are shown ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 385.70 Td (below) Tj ET Q q 0 0 0 rg BT 59.79 385.70 Td (. ) Tj ET Q q 0 0 0 rg BT 64.61 385.70 Td (The table below does not include any of) Tj ET Q q 0 0 0 rg BT 224.66 385.70 Td (fsetting gains/) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 373.70 Td (losses on the economically hedged items to the extent such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 361.70 Td (amounts are also recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 153.46 361.70 Td (Other r) Tj ET Q q 0 0 0 rg BT 182.81 361.70 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.56 361.70 Td (.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 298.20 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 120.50 298.20 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 175.50 298.20 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 298.20 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 270.20 84.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 120.50 270.20 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 175.50 270.20 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 270.20 55.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 326.20000000000005 m 175.5 326.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 175.5 326.20000000000005 m 230.5 326.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 326.20000000000005 m 120.5 326.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 312.20000000000005 m 120.5 312.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 326.20000000000005 m 175.5 326.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 312.20000000000005 m 175.5 312.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 175.5 326.20000000000005 m 230.5 326.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 175.5 312.20000000000005 m 230.5 312.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 326.20000000000005 m 285.5 326.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 312.20000000000005 m 285.5 312.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 270.20000000000005 m 120.5 270.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 256.20000000000005 m 120.5 256.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 270.20000000000005 m 175.5 270.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 120.5 256.20000000000005 m 175.5 256.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 175.5 270.20000000000005 m 230.5 270.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 175.5 256.20000000000005 m 230.5 256.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 270.20000000000005 m 285.5 270.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 256.20000000000005 m 285.5 256.20000000000005 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 330.65 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 153.85 339.65 Td (Gains \(losses\) included in ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 175.85 330.65 Td (Other revenue) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 316.45 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 138.50 316.65 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 193.50 316.66 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.50 316.66 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 302.66 Td (Interest rate contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 123.00 302.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 158.50 302.65 Td (117) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 178.00 302.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.50 302.66 Td (\(227) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.00 302.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 302.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 268.50 302.66 Td (208) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 288.66 Td (Foreign exchange) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 160.00 288.65 Td (\(39) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 172.00 288.65 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.00 288.66 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.00 288.66 Td (\(41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.00 288.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 274.66 Td (Credit derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 158.50 274.65 Td (476) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.50 274.66 Td (\(150) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.00 274.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 265.50 274.66 Td (\(594) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.00 274.66 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 260.65 Td (Total Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 123.00 260.65 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 158.50 260.65 Td (554) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 178.00 260.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.50 260.66 Td (\(363) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.00 260.66 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 260.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 265.50 260.66 Td (\(427) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.00 260.66 Td (\)) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 495 0 obj <> endobj 496 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (245) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Accounting for) Tj ET Q q 0 0 0 rg BT 99.98 749.25 Td ( Derivative Hedging) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Citigroup accounts for its hedging activities in accordance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (with ) Tj ET Q q 0 0 0 rg BT 55.73 725.25 Td (ASC 815, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 97.68 725.25 Td (Derivatives and Hedging) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.21 725.25 Td (. ) Tj ET Q q 0 0 0 rg BT 202.66 725.25 Td (As a general rule, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (hedge accounting is permitted where the Company is exposed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (to a particular risk, such as interest-rate or foreign-exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (risk, that causes changes in the fair value of an asset or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (liability or variability in the expected future cash flows of an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (existing asset, liability or a forecasted transaction that may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (af) Tj ET Q q 0 0 0 rg BT 43.59 653.25 Td (fect earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 641.25 Td (Derivative contracts hedging the risks associated with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (changes in fair value are referred to as fair value hedges, while ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (contracts hedging the variability of expected future cash flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (are cash flow hedges. Hedges that utilize derivatives or debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (instruments to manage the foreign exchange risk associated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (with equity investments in non-U.S.-dollar) Tj ET Q q 0 0 0 rg BT 206.89 581.25 Td (-functional-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (currency foreign subsidiaries \(net investment in a foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (operation\) are net investment hedges.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 545.25 Td (If certain hedging criteria specified in ) Tj ET Q q 0 0 0 rg BT 206.71 545.25 Td (ASC 815 are met, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (including testing for hedge ef) Tj ET Q q 0 0 0 rg BT 153.56 533.25 Td (fectiveness, hedge accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (may be applied. ) Tj ET Q q 0 0 0 rg BT 101.91 521.25 Td (The hedge ef) Tj ET Q q 0 0 0 rg BT 153.92 521.25 Td (fectiveness assessment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (methodologies for similar hedges are performed in a similar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (manner and are used consistently throughout the hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (relationships. For fair value hedges, changes in the value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (the hedging derivative, as well as changes in the value of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (related hedged item due to the risk being hedged, are reflected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (in current earnings. For cash flow hedges and net investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (hedges, changes in the value of the hedging derivative are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (reflected in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 83.75 425.25 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 187.24 425.25 Td (ehensive income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.76 425.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (in Citigroup) Tj ET Q q 0 0 0 rg BT 87.39 413.25 Td (s stockholders) Tj ET Q q 0 0 0 rg BT 146.92 413.25 Td ( equity to the extent the hedge is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (highly ef) Tj ET Q q 0 0 0 rg BT 71.64 401.25 Td (fective. Hedge inef) Tj ET Q q 0 0 0 rg BT 147.81 401.25 Td (fectiveness, in either case, is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (reflected in current earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 377.25 Td (For asset/liability management hedging, fixed-rate long-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (term debt is recorded at amortized cost under GAAP) Tj ET Q q 0 0 0 rg BT 245.38 365.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (However) Tj ET Q q 0 0 0 rg BT 72.25 353.25 Td (, by designating an interest rate swap contract as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.25 Td (hedging instrument and electing to apply ) Tj ET Q q 0 0 0 rg BT 201.52 341.25 Td (ASC 815 fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.25 Td (hedge accounting, the carrying value of the debt is adjusted for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.25 Td (changes in the benchmark interest rate, with such changes in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.25 Td (value recorded in current earnings. ) Tj ET Q q 0 0 0 rg BT 177.42 305.25 Td (The related interest-rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.25 Td (swap also is recorded on the balance sheet at fair value, with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.25 Td (any changes in fair value also reflected in earnings. ) Tj ET Q q 0 0 0 rg BT 243.51 281.25 Td (Thus, any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.25 Td (inef) Tj ET Q q 0 0 0 rg BT 51.37 269.25 Td (fectiveness resulting from the hedging relationship is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.25 Td (captured in current earnings. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 245.25 Td (Alternatively) Tj ET Q q 0 0 0 rg BT 106.11 245.25 Td (, for management hedges that do not meet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.25 Td (the ) Tj ET Q q 0 0 0 rg BT 50.17 233.25 Td (ASC 815 hedging criteria, the derivative is recorded at fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.25 Td (value on the balance sheet, with the associated changes in fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.25 Td (value recorded in earnings, while the debt continues to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.25 Td (carried at amortized cost. ) Tj ET Q q 0 0 0 rg BT 139.38 197.25 Td (Therefore, current earnings are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.25 Td (af) Tj ET Q q 0 0 0 rg BT 43.59 185.25 Td (fected only by the interest rate shifts and other factors that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.25 Td (cause a change in the swap) Tj ET Q q 0 0 0 rg BT 146.79 173.25 Td (s value. ) Tj ET Q q 0 0 0 rg BT 179.65 173.25 Td (This type of hedge is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.25 Td (undertaken when hedging requirements cannot be achieved or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.25 Td (management decides not to apply ) Tj ET Q q 0 0 0 rg BT 171.80 149.25 Td (ASC 815 hedge accounting. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 137.25 Td (Another alternative is to elect to carry the debt at fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.25 Td (value under the fair value option. Once the irrevocable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.25 Td (election is made upon issuance of the debt, the full change in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.25 Td (fair value of the debt is reported in earnings. ) Tj ET Q q 0 0 0 rg BT 215.76 101.25 Td (The related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.25 Td (interest rate swap, with changes in fair value, is also reflected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.25 Td (in earnings, which provides a natural of) Tj ET Q q 0 0 0 rg BT 194.38 77.25 Td (fset to the debt) Tj ET Q q 0 0 0 rg BT 256.31 77.25 Td (s fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.25 Td (value change. ) Tj ET Q q 0 0 0 rg BT 93.29 65.25 Td (T) Tj ET Q q 0 0 0 rg BT 98.70 65.25 Td (o the extent the two of) Tj ET Q q 0 0 0 rg BT 188.22 65.25 Td (fsets are not exactly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.25 Td (equal because the full change in the fair value of the debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (includes risks not of) Tj ET Q q 0 0 0 rg BT 404.64 749.10 Td (fset by the interest rate swap, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (dif) Tj ET Q q 0 0 0 rg BT 334.93 737.10 Td (ference is captured in current earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 725.10 Td (The key requirements to achieve ) Tj ET Q q 0 0 0 rg BT 474.45 725.10 Td (ASC 815 hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (accounting are documentation of a hedging strategy and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (specific hedge relationships at hedge inception and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (substantiating hedge ef) Tj ET Q q 0 0 0 rg BT 416.02 689.10 Td (fectiveness on an ongoing basis. ) Tj ET Q q 0 0 0 rg BT 547.11 689.10 Td (A) Tj ET Q q 0 0 0 rg BT 553.78 689.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (derivative must be highly ef) Tj ET Q q 0 0 0 rg BT 436.01 677.10 Td (fective in accomplishing the hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (objective of of) Tj ET Q q 0 0 0 rg BT 382.13 665.10 Td (fsetting either changes in the fair value or cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (flows of the hedged item for the risk being hedged. ) Tj ET Q q 0 0 0 rg BT 530.34 653.10 Td (Any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (inef) Tj ET Q q 0 0 0 rg BT 339.37 641.10 Td (fectiveness in the hedge relationship is recognized in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (current earnings. ) Tj ET Q q 0 0 0 rg BT 393.51 629.10 Td (The assessment of ef) Tj ET Q q 0 0 0 rg BT 476.92 629.10 Td (fectiveness may exclude ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (changes in the value of the hedged item that are unrelated to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (the risks being hedged. Similarly) Tj ET Q q 0 0 0 rg BT 455.27 605.10 Td (, the assessment of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (ef) Tj ET Q q 0 0 0 rg BT 331.59 593.10 Td (fectiveness may exclude changes in the fair value of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (derivative related to time value that, if excluded, are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (recognized in current earnings.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (Fair) Tj ET Q q 0 0 0 rg BT 342.14 545.10 Td ( ) Tj ET Q q 0 0 0 rg BT 344.46 545.10 Td (V) Tj ET Q q 0 0 0 rg BT 350.77 545.10 Td (alue Hedges) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (Hedging of Benchmark Interest Rate Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (Citigroup hedges exposure to changes in the fair value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (outstanding fixed-rate issued debt. ) Tj ET Q q 0 0 0 rg BT 464.06 497.10 Td (These hedges are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (designated as fair value hedges of the benchmark interest rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (risk associated with the currency of the hedged liability) Tj ET Q q 0 0 0 rg BT 544.95 473.10 Td (. ) Tj ET Q q 0 0 0 rg BT 549.77 473.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (fixed cash flows of the hedged items are converted to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (benchmark variable-rate cash flows by entering into receive-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (fixed, pay-variable interest rate swaps. ) Tj ET Q q 0 0 0 rg BT 480.70 437.10 Td (These fair value hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (relationships use either regression or dollar) Tj ET Q q 0 0 0 rg BT 496.25 425.10 Td (-of) Tj ET Q q 0 0 0 rg BT 507.73 425.10 Td (fset ratio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (analysis to assess whether the hedging relationships are highly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (ef) Tj ET Q q 0 0 0 rg BT 331.59 401.10 Td (fective at inception and on an ongoing basis.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 389.10 Td (Citigroup also hedges exposure to changes in the fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (value of fixed-rate assets due to changes in benchmark interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (rates, including available-for) Tj ET Q q 0 0 0 rg BT 439.03 365.10 Td (-sale debt securities and loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (The hedging instruments used are receive-variable, pay-fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (interest rate swaps. ) Tj ET Q q 0 0 0 rg BT 402.68 341.10 Td (These fair value hedging relationships use ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (either regression or dollar) Tj ET Q q 0 0 0 rg BT 426.82 329.10 Td (-of) Tj ET Q q 0 0 0 rg BT 438.30 329.10 Td (fset ratio analysis to assess ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (whether the hedging relationships are highly ef) Tj ET Q q 0 0 0 rg BT 512.10 317.10 Td (fective at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (inception and on an ongoing basis.) Tj ET Q endstream endobj 497 0 obj <> endobj 498 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (246) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Hedging of Foreign Exchange Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Citigroup hedges the change in fair value attributable to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (foreign-exchange rate movements in available-for) Tj ET Q q 0 0 0 rg BT 235.71 725.25 Td (-sale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (securities that are denominated in currencies other than the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (functional currency of the entity holding the securities, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (may be within or outside the U.S. ) Tj ET Q q 0 0 0 rg BT 172.75 689.25 Td (The hedging instrument ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (employed is generally a forward foreign-exchange contract. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (this hedge, the change in fair value of the hedged available-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (for) Tj ET Q q 0 0 0 rg BT 47.46 653.25 Td (-sale security attributable to the portion of foreign exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (risk hedged is reported in earnings, and not ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 211.23 641.25 Td (Accumulated other ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (compr) Tj ET Q q 0 0 0 rg BT 61.18 629.25 Td (ehensive income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.70 629.25 Td (which serves to of) Tj ET Q q 0 0 0 rg BT 234.56 629.25 Td (fset the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (change in fair value of the forward contract that is also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (reflected in earnings. Citigroup considers the premium ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (associated with forward contracts \(i.e., the dif) Tj ET Q q 0 0 0 rg BT 218.81 593.25 Td (ferential between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (spot and contractual forward rates\) as the cost of hedging; this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (is excluded from the assessment of hedge ef) Tj ET Q q 0 0 0 rg BT 212.15 569.25 Td (fectiveness and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (reflected directly in earnings. ) Tj ET Q q 0 0 0 rg BT 155.49 557.25 Td (The dollar) Tj ET Q q 0 0 0 rg BT 196.66 557.25 Td (-of) Tj ET Q q 0 0 0 rg BT 208.14 557.25 Td (fset method is used ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (to assess hedge ef) Tj ET Q q 0 0 0 rg BT 107.19 545.25 Td (fectiveness. Since that assessment is based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (on changes in fair value attributable to changes in spot rates on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (both the available-for) Tj ET Q q 0 0 0 rg BT 121.87 521.25 Td (-sale securities and the forward contracts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (for the portion of the relationship hedged, the amount of hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (inef) Tj ET Q q 0 0 0 rg BT 51.37 497.25 Td (fectiveness is not significant.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 477.25 Td (The following table summarizes the gains \(losses\) on the Company) Tj ET Q q 0 0 0 rg BT 307.89 477.25 Td (s fair value hedges:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 424.75 391.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 424.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 424.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 424.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 396.75 391.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 396.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 396.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 396.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 368.75 391.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 368.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 368.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 368.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 340.75 391.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 340.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 340.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 340.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 312.75 391.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 312.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 312.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 312.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 284.75 391.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 284.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 284.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 284.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 256.75 391.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 256.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 256.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 256.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 228.75 391.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 228.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 228.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 228.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 200.75 391.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 200.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 200.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 200.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 172.75 391.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 172.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 172.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 172.75 43.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 452.75 m 479.5 452.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 452.75 m 532.5 452.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 452.75 m 575.5 452.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 438.75 m 426.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 452.75 m 479.5 452.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 438.75 m 479.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 438.75 m 532.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 438.75 m 575.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 424.75 m 426.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 424.75 m 479.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 424.75 m 532.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 424.75 m 575.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 368.75 m 575.5 368.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 368.75 m 426.5 368.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 354.75 m 426.5 354.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 368.75 m 479.5 368.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 354.75 m 479.5 354.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 368.75 m 532.5 368.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 354.75 m 532.5 354.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 368.75 m 575.5 368.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 354.75 m 575.5 354.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 298.75 m 575.5 298.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 298.75 m 426.5 298.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 284.75 m 426.5 284.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 298.75 m 479.5 298.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 284.75 m 479.5 284.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 298.75 m 532.5 298.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 284.75 m 532.5 284.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 298.75 m 575.5 298.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 284.75 m 575.5 284.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 242.75 m 426.5 242.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 228.75 m 426.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 242.75 m 479.5 242.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 228.75 m 479.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 242.75 m 532.5 242.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 228.75 m 532.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 242.75 m 575.5 242.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 228.75 m 575.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 172.75 m 575.5 172.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 172.75 m 426.5 172.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 158.75 m 426.5 158.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 172.75 m 479.5 172.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 158.75 m 479.5 158.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 172.75 m 532.5 172.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 158.75 m 532.5 158.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 172.75 m 575.5 172.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 158.75 m 575.5 158.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 457.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.50 457.20 Td (Gains \(losses\) on fair) Tj ET Q q 0 0 0 rg BT 511.59 457.20 Td ( value hedges) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 562.59 461.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.65 443.20 Td (Year ended December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 429.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.50 429.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.50 429.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 429.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 415.20 Td (Gain \(loss\) on the derivatives in designated and qualifying fair value hedges) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 415.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 415.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 415.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 401.21 Td (Interest rate contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.00 401.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.50 401.20 Td (\(847) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 401.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 401.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 401.21 Td (1,546) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 401.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 401.21 Td (\(3,288) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 401.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 387.21 Td (Foreign exchange contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.75 387.20 Td (1,315) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 387.21 Td (1,367) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 387.21 Td (265) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 373.21 Td (Commodity contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.00 373.20 Td (41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.50 373.21 Td (\(221) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 373.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 373.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 359.20 Td (Total gain \(loss\) on the derivatives in designated and qualifying fair value hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.00 359.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.50 359.20 Td (509) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 359.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 359.21 Td (2,692) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 359.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.75 359.21 Td (\(3,023) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 359.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 345.20 Td (Gain \(loss\) on the hedged item in designated and qualifying fair value hedges) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 345.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 345.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 345.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 331.21 Td (Interest rate hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.00 331.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.50 331.20 Td (792) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 331.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.75 331.21 Td (\(1,496) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 331.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 331.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 331.21 Td (3,204) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 317.21 Td (Foreign exchange hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.75 317.20 Td (\(1,258) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 317.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.75 317.21 Td (\(1,422) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 317.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 317.21 Td (\(185) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 317.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 303.21 Td (Commodity hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 303.20 Td (\(35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 303.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.50 303.21 Td (250) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 303.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 289.20 Td (Total gain \(loss\) on the hedged item in designated and qualifying fair value hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.00 289.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.50 289.20 Td (\(501) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 289.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 289.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.75 289.21 Td (\(2,668) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 289.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 289.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 289.21 Td (3,019) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 275.20 Td (Hedge ineffectiveness recognized in earnings on designated and qualifying fair value hedges) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 275.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 275.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 275.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 261.21 Td (Interest rate hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.00 261.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 261.20 Td (\(47) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 261.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 261.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 261.21 Td (53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 261.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 261.21 Td (\(84) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 261.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 247.21 Td (Foreign exchange hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 247.20 Td (\(23) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 247.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 247.21 Td (\(16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 247.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 247.21 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 247.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 233.20 Td (Total hedge ineffectiveness recognized in earnings on designated and qualifying fair value hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.00 233.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.00 233.20 Td (\(70) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 233.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 233.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 233.21 Td (37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 233.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.00 233.21 Td (\(88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 233.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 219.20 Td (Net gain \(loss\) excluded from assessment of the effectiveness of fair value hedges) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 219.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 219.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 219.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 205.21 Td (Interest rate contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.00 205.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.50 205.20 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.00 205.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 205.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.50 205.21 Td (\(3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 205.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 205.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 205.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 191.21 Td (Foreign exchange contracts) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 136.96 195.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.00 191.20 Td (80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 191.21 Td (\(39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 191.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 191.21 Td (84) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 177.21 Td (Commodity hedges) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 108.25 181.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.50 177.20 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 177.21 Td (29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 177.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 163.20 Td (Total net gain \(loss\) excluded from assessment of the effectiveness of fair value hedges) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.00 163.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.00 163.20 Td (78) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 163.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 163.21 Td (\(13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 163.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 163.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 163.21 Td (84) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 141.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 141.65 Td (Amounts are included in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 134.87 141.65 Td (Other r) Tj ET Q q 0 0 0 rg BT 158.35 141.65 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 180.55 141.65 Td ( on the Consolidated Statement of Income. ) Tj ET Q q 0 0 0 rg BT 319.05 141.65 Td (The accrued interest income on fair value hedges is recorded in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 523.63 141.65 Td (Net inter) Tj ET Q q 0 0 0 rg BT 551.55 141.65 Td (est ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 132.05 Td (r) Tj ET Q q 0 0 0 rg BT 56.82 132.05 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 79.02 132.05 Td ( and is excluded from this table. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 122.45 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 122.45 Td (Amounts relate to the premium associated with forward contracts \(dif) Tj ET Q q 0 0 0 rg BT 276.68 122.45 Td (ferential between spot and contractual forward rates\). ) Tj ET Q q 0 0 0 rg BT 449.34 122.45 Td (These amounts are excluded from the ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 112.85 Td (assessment of hedge ef) Tj ET Q q 0 0 0 rg BT 127.39 112.85 Td (fectiveness and are reflected directly in earnings. ) Tj ET Q endstream endobj 499 0 obj <> endobj 500 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (247) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Cash Flow Hedges) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (Hedging of Benchmark Interest Rate Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (Citigroup hedges variable cash flows associated with floating-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (rate liabilities and the rollover \(re-issuance\) of liabilities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (V) Tj ET Q q 0 0 0 rg BT 42.11 689.25 Td (ariable cash flows from those liabilities are converted to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (fixed-rate cash flows by entering into receive-variable, pay-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (fixed interest rate swaps and receive-variable, pay-fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (forward-starting interest rate swaps. Citi also hedges variable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (cash flows from recognized and forecasted floating-rate assets. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (V) Tj ET Q q 0 0 0 rg BT 42.11 629.25 Td (ariable cash flows from those assets are converted to fixed-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (rate cash flows by entering into receive-fixed, pay-variable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (interest rate swaps. ) Tj ET Q q 0 0 0 rg BT 114.68 605.25 Td (These cash-flow hedging relationships use ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (either regression analysis or dollar) Tj ET Q q 0 0 0 rg BT 173.53 593.25 Td (-of) Tj ET Q q 0 0 0 rg BT 185.01 593.25 Td (fset ratio analysis to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (assess whether the hedging relationships are highly ef) Tj ET Q q 0 0 0 rg BT 251.04 581.25 Td (fective at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (inception and on an ongoing basis. ) Tj ET Q q 0 0 0 rg BT 177.19 569.25 Td (When certain variable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (interest rates, associated with hedged items, do not qualify as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (benchmark interest rates, Citigroup designates the risk being ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (hedged as the risk of overall changes in the hedged cash flows. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (Since ef) Tj ET Q q 0 0 0 rg BT 68.30 521.25 Td (forts are made to match the terms of the derivatives to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (those of the hedged forecasted cash flows as closely as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (possible, the amount of hedge inef) Tj ET Q q 0 0 0 rg BT 173.56 497.25 Td (fectiveness is not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (significant.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Hedging of Foreign Exchange Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (Citigroup locks in the functional currency equivalent cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (flows of long-term debt and short-term borrowings that are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (denominated in currencies other than the functional currency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (of the issuing entity) Tj ET Q q 0 0 0 rg BT 402.51 701.25 Td (. Depending on the risk management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (objectives, these types of hedges are designated as either cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (flow hedges of only foreign exchange risk or cash flow hedges ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (of both foreign exchange and interest rate risk, and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (hedging instruments used are foreign exchange cross-currency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 Td (swaps and forward contracts. ) Tj ET Q q 0 0 0 rg BT 442.95 641.25 Td (These cash flow hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.25 Td (relationships use dollar) Tj ET Q q 0 0 0 rg BT 416.56 629.25 Td (-of) Tj ET Q q 0 0 0 rg BT 428.04 629.25 Td (fset ratio analysis to determine ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 Td (whether the hedging relationships are highly ef) Tj ET Q q 0 0 0 rg BT 512.10 617.25 Td (fective at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.25 Td (inception and on an ongoing basis.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 581.25 Td (Hedging T) Tj ET Q q 0 0 0 rg BT 367.25 581.25 Td (otal Return) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.25 Td (Citigroup generally manages the risk associated with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.25 Td (leveraged loans it has originated or in which it participates by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.25 Td (transferring a majority of its exposure to the market through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.25 Td (SPEs prior to or shortly after funding. Retained exposures to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.25 Td (leveraged loans receivable are generally hedged using total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 Td (return swaps.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 497.25 Td (The amount of hedge inef) Tj ET Q q 0 0 0 rg BT 445.12 497.25 Td (fectiveness on the cash flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.25 Td (hedges recognized in earnings for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.16 485.25 Td (years ended) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.64 485.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.58 473.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.58 473.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.58 473.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.02 473.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.02 473.25 Td ( is not significant. ) Tj ET Q q 0 0 0 rg BT 541.00 473.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.25 Td (pretax change in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 392.58 461.25 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 496.07 461.25 Td (ehensive income ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 449.25 Td (\(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.22 449.25 Td ( from cash flow hedges is presented below:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 410.75 348.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 410.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 410.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 410.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 382.75 348.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 382.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 382.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 382.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 354.75 348.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 354.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 354.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 354.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 326.75 348.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 326.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 326.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 326.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 298.75 348.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 298.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 298.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 298.75 64.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 424.75 m 447.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 424.75 m 511.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 424.75 m 575.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 410.75 m 383.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 424.75 m 447.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 410.75 m 447.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 424.75 m 511.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 410.75 m 511.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 424.75 m 575.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 410.75 m 575.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 354.75 m 447.5 354.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 354.75 m 511.5 354.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 354.75 m 383.5 354.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 340.75 m 383.5 340.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 340.75 m 447.5 340.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 354.75 m 511.5 354.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 340.75 m 511.5 340.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 354.75 m 575.5 354.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 340.75 m 575.5 340.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 298.75 m 447.5 298.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 298.75 m 511.5 298.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 298.75 m 383.5 298.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 284.75 m 383.5 284.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 284.75 m 447.5 284.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 284.75 m 511.5 284.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 298.75 m 575.5 298.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 284.75 m 575.5 284.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 428.98 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.15 429.20 Td (Year ended December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 415.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 415.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.00 415.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 415.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 401.20 Td (Effective portion of cash flow hedges included in AOCI) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 401.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 401.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 401.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 387.21 Td (Interest rate contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.00 387.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.50 387.20 Td (357) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 387.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 387.21 Td (299) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 387.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 387.21 Td (749) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 373.21 Td (Foreign exchange contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.50 373.20 Td (\(220) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 373.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.50 373.21 Td (\(167) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 373.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 373.21 Td (34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 359.21 Td (Credit derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.00 359.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.50 359.21 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 359.21 Td (14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 345.20 Td (Total effective portion of cash flow hedges included in AOCI) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.00 345.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.50 345.20 Td (137) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 345.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 345.21 Td (134) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 345.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 345.21 Td (797) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 331.20 Td (Effective portion of cash flow hedges reclassified from AOCI to earnings) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 331.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 317.21 Td (Interest rate contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.00 317.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.50 317.20 Td (\(186) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 317.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 317.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.50 317.21 Td (\(260) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 317.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 317.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 317.21 Td (\(700) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 317.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 303.21 Td (Foreign exchange contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.50 303.20 Td (\(146) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 303.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.50 303.21 Td (\(149) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 303.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 303.21 Td (\(176) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 303.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 289.20 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 289.20 Td (otal effective portion of cash flow hedges r) Tj ET Q q 0 0 0 rg BT 204.73 289.20 Td (eclassified fr) Tj ET Q q 0 0 0 rg BT 252.80 289.20 Td (om ) Tj ET Q q 0 0 0 rg BT 266.55 289.20 Td (AOCI to earnings) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 335.05 293.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.00 289.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.50 289.20 Td (\(332) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 289.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 289.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.50 289.21 Td (\(409) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 289.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 289.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 289.21 Td (\(876) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 289.21 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 267.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 267.65 Td (Included primarily in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 123.98 267.65 Td (Other r) Tj ET Q q 0 0 0 rg BT 147.46 267.65 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 169.66 267.65 Td ( and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 185.21 267.65 Td (Net inter) Tj ET Q q 0 0 0 rg BT 213.14 267.65 Td (est r) Tj ET Q q 0 0 0 rg BT 226.84 267.65 Td (evenue ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 251.04 267.65 Td (on the Consolidated Income Statement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 246.65 Td (For cash flow hedges, the changes in the fair value of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 234.65 Td (hedging derivative remaining in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 166.52 234.65 Td (Accumulated other ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 222.65 Td (compr) Tj ET Q q 0 0 0 rg BT 61.18 222.65 Td (ehensive income \(loss\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.20 222.65 Td (on the Consolidated Balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 210.65 Td (Sheet will be included in the earnings of future periods to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 198.65 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 198.65 Td (fset the variability of the hedged cash flows when such cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 186.65 Td (flows af) Tj ET Q q 0 0 0 rg BT 68.31 186.65 Td (fect earnings. ) Tj ET Q q 0 0 0 rg BT 124.49 186.65 Td (The net loss associated with cash flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 174.65 Td (hedges expected to be reclassified from ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 196.49 174.65 Td (Accumulated other ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 162.65 Td (compr) Tj ET Q q 0 0 0 rg BT 61.18 162.65 Td (ehensive income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.70 162.65 Td ( within 12months of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 150.65 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.58 150.65 Td ( is approximately $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.51 150.65 Td (0.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.63 150.65 Td (. ) Tj ET Q q 0 0 0 rg BT 237.45 150.65 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 138.65 Td (maximum length of time over which forecasted cash flows are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 126.65 Td (hedged is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.55 126.65 Td (10 years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.15 126.65 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 114.65 Td (The after) Tj ET Q q 0 0 0 rg BT 90.16 114.65 Td (-tax impact of cash flow hedges on ) Tj ET Q q 0 0 0 rg BT 232.07 114.65 Td (AOCI is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 102.65 Td (shown in Note) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.83 102.65 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.83 102.65 Td ( to the Consolidated Financial Statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 246.65 Td (Net Investment Hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 234.65 Td (Consistent with ) Tj ET Q q 0 0 0 rg BT 388.45 234.65 Td (ASC 830-20, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 443.74 234.65 Td (For) Tj ET Q q 0 0 0 rg BT 458.37 234.65 Td (eign Curr) Tj ET Q q 0 0 0 rg BT 497.16 234.65 Td (ency Matters) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 222.65 Td (For) Tj ET Q q 0 0 0 rg BT 338.63 222.65 Td (eign Curr) Tj ET Q q 0 0 0 rg BT 377.43 222.65 Td (ency T) Tj ET Q q 0 0 0 rg BT 403.25 222.65 Td (ransactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.92 222.65 Td (, ) Tj ET Q q 0 0 0 rg BT 454.37 222.65 Td (ASC 815 allows hedging of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 210.65 Td (the foreign currency risk of a net investment in a foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 198.65 Td (operation. Citigroup uses foreign currency forwards, options ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 186.65 Td (and foreign-currency-denominated debt instruments to manage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 174.65 Td (the foreign exchange risk associated with Citigroup) Tj ET Q q 0 0 0 rg BT 532.83 174.65 Td (s equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 162.65 Td (investments in several non-U.S.-dollar) Tj ET Q q 0 0 0 rg BT 477.94 162.65 Td (-functional-currency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 150.65 Td (foreign subsidiaries. Citigroup records the change in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 138.65 Td (carrying amount of these investments in the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 501.46 138.65 Td (For) Tj ET Q q 0 0 0 rg BT 516.08 138.65 Td (eign curr) Tj ET Q q 0 0 0 rg BT 552.65 138.65 Td (ency ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 126.65 Td (translation adjustment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.28 126.65 Td ( account within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 478.43 126.65 Td (Accumulated other ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 114.65 Td (compr) Tj ET Q q 0 0 0 rg BT 349.18 114.65 Td (ehensive income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.70 114.65 Td (. Simultaneously) Tj ET Q q 0 0 0 rg BT 506.28 114.65 Td (, the ef) Tj ET Q q 0 0 0 rg BT 533.58 114.65 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 102.65 Td (portion of the hedge of this exposure is also recorded in the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 90.65 Td (For) Tj ET Q q 0 0 0 rg BT 338.63 90.65 Td (eign curr) Tj ET Q q 0 0 0 rg BT 375.20 90.65 Td (ency translation adjustment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.29 90.65 Td ( account and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 78.65 Td (inef) Tj ET Q q 0 0 0 rg BT 339.37 78.65 Td (fective portion, if any) Tj ET Q q 0 0 0 rg BT 425.35 78.65 Td (, is immediately recorded in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 66.65 Td (earnings.) Tj ET Q endstream endobj 501 0 obj <> endobj 502 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (248) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (For derivatives designated as net investment hedges, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (Citigroup follows the forward-rate method outlined in ) Tj ET Q q 0 0 0 rg BT 254.01 737.10 Td (ASC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (815-35-35-16 through 35-26. ) Tj ET Q q 0 0 0 rg BT 154.88 725.10 Td (According to that method, all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (changes in fair value, including changes related to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (forward-rate component of the foreign currency forward ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (contracts and the time value of foreign currency options, are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (recorded in the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 98.47 677.10 Td (For) Tj ET Q q 0 0 0 rg BT 113.10 677.10 Td (eign curr) Tj ET Q q 0 0 0 rg BT 149.67 677.10 Td (ency translation adjustment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.77 677.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (account within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 97.65 665.10 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 201.14 665.10 Td (ehensive income ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (\(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.22 653.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 641.10 Td (For foreign-currency-denominated debt instruments that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (are designated as hedges of net investments, the translation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (gain or loss that is recorded in the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 173.74 617.10 Td (For) Tj ET Q q 0 0 0 rg BT 188.37 617.10 Td (eign curr) Tj ET Q q 0 0 0 rg BT 224.94 617.10 Td (ency ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (translation adjustment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.28 605.10 Td ( account is based on the spot exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (rate between the functional currency of the respective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (subsidiary and the U.S. dollar) Tj ET Q q 0 0 0 rg BT 154.47 581.10 Td (, which is the functional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (currency of Citigroup. ) Tj ET Q q 0 0 0 rg BT 127.46 569.10 Td (T) Tj ET Q q 0 0 0 rg BT 132.87 569.10 Td (o the extent the notional amount of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (hedging instrument exactly matches the hedged net investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (and the underlying exchange rate of the derivative hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (instrument relates to the exchange rate between the functional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (currency of the net investment and Citigroup) Tj ET Q q 0 0 0 rg BT 218.17 521.10 Td (s functional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (currency \(or) Tj ET Q q 0 0 0 rg BT 84.74 509.10 Td (, in the case of a non-derivative debt instrument, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (such instrument is denominated in the functional currency of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (the net investment\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.65 485.10 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.65 485.10 Td ( inef) Tj ET Q q 0 0 0 rg BT 145.51 485.10 Td (fectiveness is recorded in earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 473.10 Td (The pretax gain \(loss\) recorded in the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 206.44 473.10 Td (For) Tj ET Q q 0 0 0 rg BT 221.07 473.10 Td (eign curr) Tj ET Q q 0 0 0 rg BT 257.64 473.10 Td (ency ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (translation adjustment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.28 461.10 Td ( account within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 190.43 461.10 Td (Accumulated other ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (compr) Tj ET Q q 0 0 0 rg BT 61.18 449.10 Td (ehensive income \(loss\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.70 449.10 Td (, related to the ef) Tj ET Q q 0 0 0 rg BT 218.99 449.10 Td (fective portion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (of the net investment hedges, is $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.58 437.10 Td (2,475 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.48 437.10 Td (, $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.48 437.10 Td (2,890 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.37 437.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (and $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.44 425.10 Td (2,370 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.33 425.10 Td ( for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.71 425.10 Td (years ended) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.18 425.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.68 425.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.27 425.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 413.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.44 413.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.44 413.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 148.10 413.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (Cr) Tj ET Q q 0 0 0 rg BT 47.48 389.10 Td (edit Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (Citi is a market maker and trades a range of credit derivatives. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (Through these contracts, Citi either purchases or writes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (protection on either a single name or a portfolio of reference ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (credits. Citi also uses credit derivatives to help mitigate credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (risk in its corporate and consumer loan portfolios and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (cash positions, and to facilitate client transactions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 305.10 Td (Citi monitors its counterparty credit risk in credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (derivative contracts. ) Tj ET Q q 0 0 0 rg BT 119.02 293.10 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.47 293.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.05 293.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (December31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.58 281.10 Td (, approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.84 281.10 Td (98%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.17 281.10 Td ( of the gross ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (receivables are from counterparties with which Citi maintains ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (collateral agreements. ) Tj ET Q q 0 0 0 rg BT 125.68 257.10 Td (A) Tj ET Q q 0 0 0 rg BT 132.35 257.10 Td ( majority of Citi) Tj ET Q q 0 0 0 rg BT 199.84 257.10 Td (s top ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.51 257.10 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.51 257.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (counterparties \(by receivable balance owed to Citi\) are banks, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (financial institutions or other dealers. Contracts with these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (counterparties do not include ratings-based termination events. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (However) Tj ET Q q 0 0 0 rg BT 72.25 209.10 Td (, counterparty ratings downgrades may have an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (incremental ef) Tj ET Q q 0 0 0 rg BT 93.29 197.10 Td (fect by lowering the threshold at which Citi may) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (call for additional collateral. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 173.10 Td (The range of credit derivatives entered into includes credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (default swaps, total return swaps, credit options and credit-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (linked notes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 137.10 Td (A) Tj ET Q q 0 0 0 rg BT 60.67 137.10 Td ( credit default swap is a contract in which, for a fee, a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (protection seller agrees to reimburse a protection buyer for any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (losses that occur due to a predefined credit event on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (reference entity) Tj ET Q q 0 0 0 rg BT 97.81 101.10 Td (. ) Tj ET Q q 0 0 0 rg BT 102.63 101.10 Td (These credit events are defined by the terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (of the derivative contract and the reference credit and are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (generally limited to the market standard of failure to pay on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (indebtedness and bankruptcy of the reference credit and, in a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (more limited range of transactions, debt restructuring. Credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (derivative transactions that reference emer) Tj ET Q q 0 0 0 rg BT 493.73 749.10 Td (ging market entities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (will also typically include additional credit events to cover the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (acceleration of indebtedness and the risk of repudiation or a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (payment moratorium. In certain transactions, protection may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (be provided on a portfolio of reference entities or asset-backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (securities. If there is no credit event, as defined by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (specific derivative contract, then the protection seller makes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (no payments to the protection buyer and receives only the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (contractually specified fee. However) Tj ET Q q 0 0 0 rg BT 470.75 653.10 Td (, if a credit event occurs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (as defined in the specific derivative contract sold, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (protection seller will be required to make a payment to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (protection buyer) Tj ET Q q 0 0 0 rg BT 389.26 617.10 Td (. Under certain contracts, the seller of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (protection may not be required to make a payment until a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (specified amount of losses has occurred with respect to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (portfolio and/or may only be required to pay for losses up to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (specified amount.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 557.10 Td (A) Tj ET Q q 0 0 0 rg BT 348.67 557.10 Td ( total return swap typically transfers the total economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (performance of a reference asset, which includes all associated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (cash flows, as well as capital appreciation or depreciation. ) Tj ET Q q 0 0 0 rg BT 559.00 533.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (protection buyer receives a floating rate of interest and any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (depreciation on the reference asset from the protection seller ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (and, in return, the protection seller receives the cash flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (associated with the reference asset plus any appreciation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (Thus, according to the total return swap agreement, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (protection seller will be obligated to make a payment any time ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (the floating interest rate payment plus any depreciation of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (reference asset exceeds the cash flows associated with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (underlying asset. ) Tj ET Q q 0 0 0 rg BT 393.71 425.10 Td (A) Tj ET Q q 0 0 0 rg BT 400.38 425.10 Td ( total return swap may terminate upon a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (default of the reference asset or a credit event with respect to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (the reference entity subject to the provisions of the related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (total return swap agreement between the protection seller and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (the protection buyer) Tj ET Q q 0 0 0 rg BT 403.98 377.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 365.10 Td (A) Tj ET Q q 0 0 0 rg BT 348.67 365.10 Td ( credit option is a credit derivative that allows investors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (to trade or hedge changes in the credit quality of a reference ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (entity) Tj ET Q q 0 0 0 rg BT 346.12 341.10 Td (. For example, in a credit spread option, the option writer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (assumes the obligation to purchase or sell credit protection on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (the reference entity at a specified strike spread level. ) Tj ET Q q 0 0 0 rg BT 545.37 317.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (option purchaser buys the right to sell credit default protection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (on the reference entity to, or purchase it from, the option ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (writer at the strike spread level. ) Tj ET Q q 0 0 0 rg BT 452.38 281.10 Td (The payments on credit spread ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (options depend either on a particular credit spread or the price ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (of the underlying credit-sensitive asset or other reference. ) Tj ET Q q 0 0 0 rg BT 556.78 257.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (options usually terminate if a credit event occurs with respect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (to the underlying reference entity) Tj ET Q q 0 0 0 rg BT 456.63 233.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 221.10 Td (A) Tj ET Q q 0 0 0 rg BT 348.67 221.10 Td ( credit-linked note is a form of credit derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (structured as a debt security with an embedded credit default ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (swap. ) Tj ET Q q 0 0 0 rg BT 349.37 197.10 Td (The purchaser of the note ef) Tj ET Q q 0 0 0 rg BT 461.64 197.10 Td (fectively provides credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (protection to the issuer by agreeing to receive a return that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (could be negatively af) Tj ET Q q 0 0 0 rg BT 412.39 173.10 Td (fected by credit events on the underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (reference credit. If the reference entity defaults, the note may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (be cash settled or physically settled by delivery of a debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (security of the reference entity) Tj ET Q q 0 0 0 rg BT 445.51 137.10 Td (. ) Tj ET Q q 0 0 0 rg BT 450.33 137.10 Td (Thus, the maximum amount of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (the note purchaser) Tj ET Q q 0 0 0 rg BT 397.67 125.10 Td () Tj ET Q q 0 0 0 rg BT 400.45 125.10 Td (s exposure is the amount paid for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (credit-linked note.) Tj ET Q endstream endobj 503 0 obj <> endobj 504 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (249) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (The following tables summarize the key characteristics of Citi) Tj ET Q q 0 0 0 rg BT 305.59 749.10 Td (s credit derivatives portfolio by counterparty and derivative form:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 701.60 148.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.50 701.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 701.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 701.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 701.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 673.60 148.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.50 673.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 673.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 673.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 673.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 645.60 148.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.50 645.60 98.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 645.60 98.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 645.60 98.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 645.60 98.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 608.60 148.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.50 608.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 608.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 608.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 608.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 580.60 148.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.50 580.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 580.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 580.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 580.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 552.60 148.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.50 552.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 552.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 552.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 552.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 524.60 148.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.50 524.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 524.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 524.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 524.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 496.60 148.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.50 496.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 496.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 496.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 496.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 468.60 148.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.50 468.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 468.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 468.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 468.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 440.60 148.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.50 440.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 440.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 440.60 98.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 440.60 98.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 724.6 m 282.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 724.6 m 380.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 724.6 m 478.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 724.6 m 576.5 724.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 701.6 m 184.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 701.6 m 282.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 724.6 m 380.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 701.6 m 380.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 701.6 m 478.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 701.6 m 576.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 701.6 m 380.5 687.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 687.6 m 380.5 673.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 673.6 m 380.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 659.6 m 380.5 645.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 645.6 m 380.5 622.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 622.6 m 184.5 622.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 608.6 m 184.5 608.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 622.6 m 282.5 622.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 622.6 m 380.5 608.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 622.6 m 380.5 622.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 622.6 m 478.5 622.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 622.6 m 576.5 622.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 608.6 m 282.5 608.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 608.6 m 380.5 594.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 608.6 m 380.5 608.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 608.6 m 478.5 608.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 608.6 m 576.5 608.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 594.6 m 380.5 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 580.6 m 380.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 566.6 m 184.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 552.6 m 184.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 566.6 m 282.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 566.6 m 380.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 566.6 m 380.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 566.6 m 478.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 566.6 m 576.5 566.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 552.6 m 282.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 552.6 m 380.5 538.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 552.6 m 380.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 552.6 m 478.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 552.6 m 576.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 538.6 m 380.5 524.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 524.6 m 380.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 510.6 m 184.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 496.6 m 184.5 496.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 510.6 m 282.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 496.6 m 282.5 496.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 510.6 m 380.5 496.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 510.6 m 380.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 496.6 m 380.5 496.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 510.6 m 478.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 496.6 m 478.5 496.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 510.6 m 576.5 510.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 496.6 m 576.5 496.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 496.6 m 282.5 496.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 496.6 m 380.5 482.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 496.6 m 380.5 496.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 496.6 m 478.5 496.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 496.6 m 576.5 496.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 482.6 m 380.5 468.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 468.6 m 380.5 454.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 454.6 m 380.5 440.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 440.6 m 184.5 440.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 426.6 m 184.5 426.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 440.6 m 282.5 440.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 426.6 m 282.5 426.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 440.6 m 380.5 426.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 440.6 m 380.5 440.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 426.6 m 380.5 426.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 440.6 m 478.5 440.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 426.6 m 478.5 426.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 440.6 m 576.5 440.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 426.6 m 576.5 426.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 729.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.70 729.05 Td (Fair values) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.70 729.05 Td (Notionals) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 705.85 Td (In millions of dollars at December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 208.80 706.05 Td (Receivable) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 250.28 710.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.30 706.05 Td (Payable) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 342.80 710.13 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.05 715.05 Td (Protection) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.05 706.05 Td (purchased) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.05 715.05 Td (Protection) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.20 706.05 Td (sold) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 692.05 Td (By industry/counterparty) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 187.00 692.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 692.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 692.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 692.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 678.06 Td (Banks) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.00 678.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.25 678.05 Td (18,377) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.00 678.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.25 678.05 Td (16,988) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 678.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 678.05 Td (513,335) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 678.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 678.05 Td (508,459) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 664.06 Td (Broker-dealers) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.75 664.05 Td (5,895) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.75 664.05 Td (6,697) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 664.05 Td (155,195) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 664.05 Td (152,604) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 650.06 Td (Non-financial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.50 650.05 Td (128) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.50 650.05 Td (123) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 650.05 Td (3,969) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 650.05 Td (2,087) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 636.06 Td (Insurance and other financial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 627.06 Td (institutions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.25 627.05 Td (11,317) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.25 627.05 Td (10,923) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 627.05 Td (332,715) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 627.05 Td (287,772) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 613.05 Td (Total by industry/counterparty) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.00 613.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.25 613.05 Td (35,717) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.00 613.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.25 613.05 Td (34,731) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 613.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 613.05 Td (1,005,214) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 613.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 613.05 Td (950,922) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 599.05 Td (By instrument) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 187.00 599.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 599.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 599.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 599.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 585.06 Td (Credit default swaps and options) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.00 585.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.25 585.05 Td (34,849) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.00 585.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.25 585.05 Td (34,158) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 585.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 585.05 Td (981,999) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 585.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 585.05 Td (940,650) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 571.06 Td (Total return swaps and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.50 571.05 Td (868) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.50 571.05 Td (573) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 571.05 Td (23,215) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 571.05 Td (10,272) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 557.05 Td (Total by instrument) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.00 557.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.25 557.05 Td (35,717) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.00 557.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.25 557.05 Td (34,731) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 557.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 557.05 Td (1,005,214) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 557.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 557.05 Td (950,922) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 543.05 Td (By rating) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 187.00 543.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 543.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 543.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 543.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 529.06 Td (Investment grade) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.00 529.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.25 529.05 Td (12,694) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.00 529.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.25 529.05 Td (13,142) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 529.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 529.05 Td (764,040) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 529.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 529.05 Td (720,521) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 515.06 Td (Non-investment grade) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.25 515.05 Td (23,023) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.25 515.05 Td (21,589) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 515.05 Td (241,174) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 515.05 Td (230,401) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 501.05 Td (Total by rating) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.00 501.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.25 501.05 Td (35,717) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.00 501.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.25 501.05 Td (34,731) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 501.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 501.05 Td (1,005,214) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 501.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 501.05 Td (950,922) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 487.05 Td (By maturity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 187.00 487.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 487.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 487.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.00 487.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 473.06 Td (Within 1year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.00 473.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.75 473.05 Td (3,871) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.00 473.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.75 473.05 Td (3,559) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 473.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 473.05 Td (265,632) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 473.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 473.05 Td (254,225) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 459.06 Td (From 1 to 5years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.25 459.05 Td (27,991) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.25 459.05 Td (27,488) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.75 459.05 Td (669,834) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 459.05 Td (639,460) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 445.06 Td (After 5years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.75 445.05 Td (3,855) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 356.75 445.05 Td (3,684) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.25 445.05 Td (69,748) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 445.05 Td (57,237) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 431.05 Td (Total by maturity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.00 431.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.25 431.05 Td (35,717) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.00 431.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.25 431.05 Td (34,731) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 431.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.00 431.05 Td (1,005,214) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 481.00 431.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 431.05 Td (950,922) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 407.90 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 407.90 Td (The fair value amount receivable is composed of $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.16 407.90 Td (18,799 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.27 407.90 Td ( under protection purchased and $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.90 407.90 Td (16,918 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.02 407.90 Td ( under protection sold.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 398.30 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 398.30 Td (The fair value amount payable is composed of $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.17 398.30 Td (17,531 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 255.29 398.30 Td ( under protection purchased and $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.91 398.30 Td (17,200 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.03 398.30 Td ( under protection sold.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 42.00 331.60 150.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 192.00 331.60 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.00 331.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.00 331.60 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 331.60 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.00 303.60 150.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 192.00 303.60 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.00 303.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.00 303.60 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 303.60 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.00 275.60 150.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 192.00 275.60 90.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.00 275.60 95.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.00 275.60 96.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 275.60 96.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.00 238.60 150.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 192.00 238.60 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.00 238.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.00 238.60 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 238.60 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.00 210.60 150.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 192.00 210.60 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.00 210.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.00 210.60 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 210.60 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.00 182.60 150.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 192.00 182.60 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.00 182.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.00 182.60 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 182.60 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.00 154.60 150.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 192.00 154.60 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.00 154.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.00 154.60 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 154.60 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.00 126.60 150.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 192.00 126.60 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.00 126.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.00 126.60 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 126.60 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.00 98.60 150.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 192.00 98.60 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.00 98.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.00 98.60 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 98.60 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.00 70.60 150.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 192.00 70.60 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.00 70.60 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 377.00 70.60 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 70.60 96.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192 354.6 m 282 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282 354.6 m 377 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 354.6 m 473 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 354.6 m 569 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42 331.6 m 192 331.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192 331.6 m 282 331.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 354.6 m 377 331.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282 331.6 m 377 331.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 331.6 m 473 331.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 331.6 m 569 331.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 331.6 m 377 317.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 317.6 m 377 303.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 303.6 m 377 289.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 289.6 m 377 275.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 275.6 m 377 252.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42 252.60000000000002 m 192 252.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42 238.60000000000002 m 192 238.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192 252.60000000000002 m 282 252.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 252.60000000000002 m 377 238.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282 252.60000000000002 m 377 252.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 252.60000000000002 m 473 252.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 252.60000000000002 m 569 252.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192 238.60000000000002 m 282 238.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 238.60000000000002 m 377 224.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282 238.60000000000002 m 377 238.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 238.60000000000002 m 473 238.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 238.60000000000002 m 569 238.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 224.60000000000002 m 377 210.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 210.60000000000002 m 377 196.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42 196.60000000000002 m 192 196.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42 182.60000000000002 m 192 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192 196.60000000000002 m 282 196.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 196.60000000000002 m 377 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282 196.60000000000002 m 377 196.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 196.60000000000002 m 473 196.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 196.60000000000002 m 569 196.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192 182.60000000000002 m 282 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 182.60000000000002 m 377 168.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282 182.60000000000002 m 377 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 182.60000000000002 m 473 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 182.60000000000002 m 569 182.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 168.60000000000002 m 377 154.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 154.60000000000002 m 377 140.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42 140.60000000000002 m 192 140.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42 126.60000000000002 m 192 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192 140.60000000000002 m 282 140.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 140.60000000000002 m 377 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282 140.60000000000002 m 377 140.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 140.60000000000002 m 473 140.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 140.60000000000002 m 569 140.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192 126.60000000000002 m 282 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 126.60000000000002 m 377 112.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282 126.60000000000002 m 377 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 126.60000000000002 m 473 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 126.60000000000002 m 569 126.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 112.60000000000002 m 377 98.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 98.60000000000002 m 377 84.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 84.60000000000002 m 377 70.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42 70.60000000000002 m 192 70.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 42 56.60000000000002 m 192 56.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192 70.60000000000002 m 282 70.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 192 56.60000000000002 m 282 56.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 70.60000000000002 m 377 56.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282 70.60000000000002 m 377 70.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 282 56.60000000000002 m 377 56.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 377 70.60000000000002 m 473 70.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 377 56.60000000000002 m 473 56.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 70.60000000000002 m 569 70.60000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 473 56.60000000000002 m 569 56.60000000000002 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 44.50 359.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 262.70 359.05 Td (Fair values) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.20 359.05 Td (Notionals) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 44.50 335.85 Td (In millions of dollars at December 31, 2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.30 336.05 Td (Receivable) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 253.78 340.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.30 336.05 Td (Payable) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 340.80 340.13 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.55 345.05 Td (Protection) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.55 336.05 Td (purchased) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.55 345.05 Td (Protection) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.70 336.05 Td (sold) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 44.50 322.05 Td (By industry/counterparty) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 194.50 322.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.50 322.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 322.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 322.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 308.06 Td (Banks) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 194.50 308.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.75 308.06 Td (24,828) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.50 308.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.75 308.06 Td (23,189) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 308.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.25 308.06 Td (574,764) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 308.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.25 308.06 Td (604,700) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 294.06 Td (Broker-dealers) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.25 294.06 Td (8,093) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.25 294.06 Td (9,309) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.25 294.06 Td (204,542) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.25 294.06 Td (199,693) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 280.06 Td (Non-financial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.50 280.06 Td (91) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.00 280.06 Td (113) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.25 280.06 Td (3,697) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 280.06 Td (1,595) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 266.06 Td (Insurance and other financial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 257.06 Td (institutions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.75 257.06 Td (10,784) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.75 257.06 Td (11,374) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.25 257.06 Td (333,384) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.25 257.06 Td (257,870) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 44.50 243.05 Td (Total by industry/counterparty) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 194.50 243.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.75 243.06 Td (43,796) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.50 243.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.75 243.06 Td (43,985) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 243.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.50 243.06 Td (1,116,387) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 243.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.50 243.06 Td (1,063,858) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 44.50 229.05 Td (By instrument) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 194.50 229.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.50 229.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 229.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 229.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 215.06 Td (Credit default swaps and options) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 194.50 215.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.75 215.06 Td (42,930) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.50 215.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.75 215.06 Td (42,201) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 215.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.50 215.06 Td (1,094,199) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 215.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.50 215.06 Td (1,054,671) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 201.06 Td (Total return swaps and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 265.00 201.06 Td (866) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.25 201.06 Td (1,784) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.75 201.06 Td (22,188) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 201.06 Td (9,187) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 44.50 187.05 Td (Total by instrument) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 194.50 187.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.75 187.06 Td (43,796) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.50 187.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.75 187.06 Td (43,985) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 187.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.50 187.06 Td (1,116,387) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 187.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.50 187.06 Td (1,063,858) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 44.50 173.05 Td (By rating) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 194.50 173.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.50 173.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 173.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 173.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 159.06 Td (Investment grade) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 194.50 159.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.75 159.06 Td (17,432) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.50 159.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.75 159.06 Td (17,182) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 159.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.25 159.06 Td (824,831) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 159.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.25 159.06 Td (786,848) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 145.06 Td (Non-investment grade) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.75 145.06 Td (26,364) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.75 145.06 Td (26,803) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.25 145.06 Td (291,556) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.25 145.06 Td (277,010) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 44.50 131.05 Td (Total by rating) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 194.50 131.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.75 131.06 Td (43,796) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.50 131.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.75 131.06 Td (43,985) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 131.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.50 131.06 Td (1,116,387) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 131.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.50 131.06 Td (1,063,858) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 44.50 117.05 Td (By maturity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 194.50 117.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.50 117.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 117.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 117.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 103.06 Td (Within 1year) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 194.50 103.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.25 103.06 Td (4,356) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.50 103.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.25 103.06 Td (4,278) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 103.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.25 103.06 Td (250,489) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 103.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.25 103.06 Td (229,502) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 89.06 Td (From 1 to 5years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.75 89.06 Td (34,692) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.75 89.06 Td (35,160) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.25 89.06 Td (790,251) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.25 89.06 Td (772,001) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 75.06 Td (After 5years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 258.25 75.06 Td (4,748) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.25 75.06 Td (4,547) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.75 75.06 Td (75,647) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.75 75.06 Td (62,355) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 44.50 61.05 Td (Total by maturity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 194.50 61.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 253.75 61.06 Td (43,796) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.50 61.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.75 61.06 Td (43,985) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 61.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.50 61.06 Td (1,116,387) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.50 61.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.50 61.06 Td (1,063,858) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 505 0 obj <> endobj 506 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (250) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 739.50 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 739.50 Td (The fair value amount receivable is composed of $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.16 739.50 Td (18,708 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.27 739.50 Td ( under protection purchased and $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.90 739.50 Td (25,088 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.02 739.50 Td ( under protection sold. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 729.90 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 729.90 Td (The fair value amount payable is composed of $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.17 729.90 Td (26,527 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 255.29 729.90 Td ( under protection purchased and $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.91 729.90 Td (17,458 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.03 729.90 Td ( under protection sold.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 705.90 Td (Fair values included in the above tables are prior to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 693.90 Td (application of any netting agreements and cash collateral. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 681.90 Td (notional amounts, Citi generally has a mismatch between the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 669.90 Td (total notional amounts of protection purchased and sold, and it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 657.90 Td (may hold the reference assets directly) Tj ET Q q 0 0 0 rg BT 186.12 657.90 Td (, rather than entering into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 645.90 Td (of) Tj ET Q q 0 0 0 rg BT 44.15 645.90 Td (fsetting credit derivative contracts as and when desired. ) Tj ET Q q 0 0 0 rg BT 268.61 645.90 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 633.90 Td (open risk exposures from credit derivative contracts are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 621.90 Td (lar) Tj ET Q q 0 0 0 rg BT 46.37 621.90 Td (gely matched after certain cash positions in reference assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 609.90 Td (are considered and after notional amounts are adjusted, either ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 597.90 Td (to a duration-based equivalent basis or to reflect the level of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 585.90 Td (subordination in tranched structures. ) Tj ET Q q 0 0 0 rg BT 184.39 585.90 Td (The ratings of the credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 573.90 Td (derivatives portfolio presented in the tables and used to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 561.90 Td (evaluate payment/performance risk are based on the assigned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 549.90 Td (internal or external ratings of the referenced asset or entity) Tj ET Q q 0 0 0 rg BT 269.41 549.90 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 537.90 Td (Where external ratings are used, investment-grade ratings are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 525.90 Td (considered to be Baa/BBB) Tj ET Q q 0 0 0 rg BT 148.29 525.90 Td ( and above, while anything below ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 513.90 Td (is considered non-investment grade. Citi) Tj ET Q q 0 0 0 rg BT 200.69 513.90 Td (s internal ratings are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 501.90 Td (in line with the related external rating system. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 489.90 Td (Citigroup evaluates the payment/performance risk of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 477.90 Td (credit derivatives for which it stands as a protection seller ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 465.90 Td (based on the credit rating assigned to the underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 453.90 Td (referenced credit. Credit derivatives written on an underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 441.90 Td (non-investment grade reference credit represent greater ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 429.90 Td (payment risk to the Company) Tj ET Q q 0 0 0 rg BT 153.67 429.90 Td (. ) Tj ET Q q 0 0 0 rg BT 158.49 429.90 Td (The non-investment grade ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 417.90 Td (category in the table above also includes credit derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 405.90 Td (where the underlying referenced entity has been downgraded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 393.90 Td (subsequent to the inception of the derivative. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 381.90 Td (The maximum potential amount of future payments under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 369.90 Td (credit derivative contracts presented in the table above is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 357.90 Td (based on the notional value of the derivatives. ) Tj ET Q q 0 0 0 rg BT 222.15 357.90 Td (The Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 345.90 Td (believes that the notional amount for credit protection sold is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 333.90 Td (not representative of the actual loss exposure based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 321.90 Td (historical experience. ) Tj ET Q q 0 0 0 rg BT 123.83 321.90 Td (This amount has not been reduced by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 309.90 Td (value of the reference assets and the related cash flows. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 297.90 Td (accordance with most credit derivative contracts, should a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 285.90 Td (credit event occur) Tj ET Q q 0 0 0 rg BT 107.23 285.90 Td (, the Company usually is liable for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 273.90 Td (dif) Tj ET Q q 0 0 0 rg BT 46.93 273.90 Td (ference between the protection sold and the value of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 261.90 Td (reference assets. Furthermore, the notional amount for credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 249.90 Td (protection sold has not been reduced for any cash collateral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 237.90 Td (paid to a given counterparty) Tj ET Q q 0 0 0 rg BT 147.53 237.90 Td (, as such payments would be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 225.90 Td (calculated after netting all derivative exposures, including any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 213.90 Td (credit derivatives with that counterparty in accordance with a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 201.90 Td (related master netting agreement. Due to such netting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 189.90 Td (processes, determining the amount of collateral that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 177.90 Td (corresponds to credit derivative exposures alone is not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 165.90 Td (possible. ) Tj ET Q q 0 0 0 rg BT 73.60 165.90 Td (The Company actively monitors open credit-risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 153.90 Td (exposures and manages this exposure by using a variety of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 141.90 Td (strategies, including purchased credit derivatives, cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 129.90 Td (collateral or direct holdings of the referenced assets. ) Tj ET Q q 0 0 0 rg BT 247.12 129.90 Td (This risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 117.90 Td (mitigation activity is not captured in the table above.) Tj ET Q endstream endobj 507 0 obj <> endobj 508 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (251) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Cr) Tj ET Q q 0 0 0 rg BT 47.48 749.25 Td (edit-Risk-Related Contingent Featur) Tj ET Q q 0 0 0 rg BT 203.95 749.25 Td (es in Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Certain derivative instruments contain provisions that require ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (the Company to either post additional collateral or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (immediately settle any outstanding liability balances upon the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (occurrence of a specified event related to the credit risk of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (Company) Tj ET Q q 0 0 0 rg BT 74.24 689.25 Td (. ) Tj ET Q q 0 0 0 rg BT 79.06 689.25 Td (These events, which are defined by the existing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (derivative contracts, are primarily downgrades in the credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (ratings of the Company and its af) Tj ET Q q 0 0 0 rg BT 169.13 665.25 Td (filiates. ) Tj ET Q q 0 0 0 rg BT 201.16 665.25 Td (The fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (\(excluding CV) Tj ET Q q 0 0 0 rg BT 93.87 653.25 Td (A\) of all derivative instruments with credit-risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (related contingent features that were in a net liability position ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (at both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.00 629.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.58 629.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.02 629.25 Td (December31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.60 629.25 Td ( was $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.15 629.25 Td (22 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.11 617.25 Td ( and $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.55 617.25 Td (30 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.17 617.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 177.83 617.25 Td (. ) Tj ET Q q 0 0 0 rg BT 182.65 617.25 Td (The Company had posted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 41.00 605.25 Td (19 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.61 605.25 Td ( and $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.05 605.25 Td (27 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.67 605.25 Td ( as collateral for this exposure in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (normal course of business as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.31 593.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.89 593.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (December31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.58 581.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 167.25 581.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 569.25 Td (A) Tj ET Q q 0 0 0 rg BT 60.67 569.25 Td ( downgrade could trigger additional collateral or cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (settlement requirements for the Company and certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (af) Tj ET Q q 0 0 0 rg BT 43.59 545.25 Td (filiates. In the event that Citigroup and Citibank were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (downgraded a single notch by all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.97 533.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.95 533.25 Td ( major rating agencies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.66 521.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.24 521.25 Td (, the Company could be required to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (post an additional $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.60 509.25 Td (1.8 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.71 509.25 Td ( as either collateral or settlement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (of the derivative transactions. ) Tj ET Q q 0 0 0 rg BT 156.24 497.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 206.14 497.25 Td (, the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (could be required to segregate with third-party custodians ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (collateral previously received from existing derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (counterparties in the amount of $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.46 461.25 Td (0.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.57 461.25 Td ( upon the single ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (notch downgrade, resulting in aggregate cash obligations and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (collateral requirements of approximately $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.49 437.25 Td (1.9 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.60 437.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (Derivatives ) Tj ET Q q 0 0 0 rg BT 86.26 413.25 Td (Accompanied by Financial ) Tj ET Q q 0 0 0 rg BT 202.11 413.25 Td (Asset ) Tj ET Q q 0 0 0 rg BT 227.20 413.25 Td (T) Tj ET Q q 0 0 0 rg BT 233.13 413.25 Td (ransfers) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (The Company executes total return swaps which provide it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (with synthetic exposure to substantially all of the economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (return of the securities or other financial assets referenced in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (the contract. In certain cases, the derivative transaction is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (accompanied by the Company) Tj ET Q q 0 0 0 rg BT 160.13 353.25 Td (s transfer of the referenced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.25 Td (financial asset to the derivative counterparty) Tj ET Q q 0 0 0 rg BT 212.78 341.25 Td (, most typically in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.25 Td (response to the derivative counterparty) Tj ET Q q 0 0 0 rg BT 194.28 329.25 Td (s desire to hedge, in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.25 Td (whole or in part, its synthetic exposure under the derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.25 Td (contract by holding the referenced asset in funded form. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.25 Td (certain jurisdictions these transactions qualify as sales, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.25 Td (resulting in derecognition of the securities transferred \(see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.25 Td (Note 1 to the Consolidated Financial Statements for further ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.25 Td (discussion of the related sale conditions for transfers of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.25 Td (financial assets\). For a significant portion of the transactions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.25 Td (the Company has also executed another total return swap ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.25 Td (where the Company passes on substantially all of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.25 Td (economic return of the referenced securities to a dif) Tj ET Q q 0 0 0 rg BT 242.39 209.25 Td (ferent third ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.25 Td (party seeking the exposure. In those cases, the Company is not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.25 Td (exposed, on a net basis, to changes in the economic return of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.25 Td (the referenced securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 161.25 Td (These transactions generally involve the transfer of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.25 Td (Company) Tj ET Q q 0 0 0 rg BT 77.67 149.25 Td (s liquid government bonds, convertible bonds, or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.25 Td (publicly traded corporate equity securities from the trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.25 Td (portfolio and are executed with third-party financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.25 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 87.77 113.25 Td (The accompanying derivatives are typically total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.25 Td (return swaps. ) Tj ET Q q 0 0 0 rg BT 94.14 101.25 Td (The derivatives are cash settled and subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.25 Td (ongoing mar) Tj ET Q q 0 0 0 rg BT 86.64 89.25 Td (gin requirements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 77.25 Td (When the conditions for sale accounting are met, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.25 Td (Company reports the transfer of the referenced financial asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.25 Td (as a sale and separately reports the accompanying derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (transaction. ) Tj ET Q q 0 0 0 rg BT 372.69 749.10 Td (These transactions generally do not result in a gain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (or loss on the sale of the security) Tj ET Q q 0 0 0 rg BT 454.71 737.10 Td (, because the transferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (security was held at fair value in the Company) Tj ET Q q 0 0 0 rg BT 512.83 725.10 Td (s trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (portfolio. For transfers of financial assets accounted for by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (Company as a sale, where the Company has retained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (substantially all of the economic exposure to the transferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (asset through a total return swap executed in contemplation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (the initial sale with the same counterparty and still outstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.66 653.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.24 653.10 Td (, both the asset carrying amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (derecognized and gross cash proceeds received as of the date ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (of derecognition were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.24 629.10 Td ($1.0 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.35 629.10 Td (. ) Tj ET Q q 0 0 0 rg BT 464.80 629.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.30 629.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 555.88 629.10 Td (, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (fair value of these previously derecognized assets was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.81 617.10 Td ($1.0 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.11 605.10 Td ( and the fair value of the total return swaps was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.99 605.10 Td ($7 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.89 593.10 Td ( recorded as gross derivative assets and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.56 593.10 Td ($35 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.95 593.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (recorded as gross derivative liabilities. ) Tj ET Q q 0 0 0 rg BT 480.44 581.10 Td (The balances for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (total return swaps are on a gross basis, before the application ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (of counterparty and cash collateral netting, and are included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (primarily as equity derivatives in the tabular disclosures in this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (Note.) Tj ET Q endstream endobj 509 0 obj <> endobj 510 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (252) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (24. CONCENTRA) Tj ET Q q 0 0 0 rg BT 114.71 749.25 Td (TIONS OF) Tj ET Q q 0 0 0 rg BT 161.84 749.25 Td ( CREDIT) Tj ET Q q 0 0 0 rg BT 203.06 749.25 Td ( RISK) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (Concentrations of credit risk exist when changes in economic, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (industry or geographic factors similarly af) Tj ET Q q 0 0 0 rg BT 204.38 713.25 Td (fect groups of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (counterparties whose aggregate credit exposure is material in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (relation to Citigroup) Tj ET Q q 0 0 0 rg BT 120.43 689.25 Td (s total credit exposure. ) Tj ET Q q 0 0 0 rg BT 212.91 689.25 Td (Although ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 77.11 677.25 Td (s portfolio of financial instruments is broadly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (diversified along industry) Tj ET Q q 0 0 0 rg BT 138.11 665.25 Td (, product, and geographic lines, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (material transactions are completed with other financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (institutions, particularly in the securities trading, derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (and foreign exchange businesses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 617.25 Td (In connection with the Company) Tj ET Q q 0 0 0 rg BT 187.86 617.25 Td (s ef) Tj ET Q q 0 0 0 rg BT 201.84 617.25 Td (forts to maintain a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (diversified portfolio, the Company limits its exposure to any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (one geographic region, country or individual creditor and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (monitors this exposure on a continuous basis. ) Tj ET Q q 0 0 0 rg BT 219.88 581.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.58 569.25 Td (, Citigroup) Tj ET Q q 0 0 0 rg BT 160.70 569.25 Td (s most significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (concentration of credit risk was with the U.S. government and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (its agencies. ) Tj ET Q q 0 0 0 rg BT 87.19 545.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 146.90 545.25 Td (s exposure, which primarily results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (from trading assets and investments issued by the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (government and its agencies, amounted to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.79 521.25 Td ($223.0 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.90 521.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td ($216.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.11 509.25 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.33 509.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.91 509.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.35 509.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.35 509.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 275.01 509.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (The Mexican and United Kingdom governments and their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (agencies, which are rated investment grade by both Moody) Tj ET Q q 0 0 0 rg BT 275.09 485.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (and S&P) Tj ET Q q 0 0 0 rg BT 70.73 473.25 Td (, were the next lar) Tj ET Q q 0 0 0 rg BT 142.46 473.25 Td (gest exposures. ) Tj ET Q q 0 0 0 rg BT 205.88 473.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 265.59 473.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (exposure to Mexico amounted to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.14 461.25 Td ($22.5 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.25 461.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.69 461.25 Td ($29.7 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.11 449.25 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.33 449.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.91 449.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.35 449.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.35 449.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 245.01 449.25 Td (, and was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (composed of investment securities, loans and trading assets. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 95.71 425.25 Td (s exposure to the United Kingdom amounted to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td ($20.4 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.11 413.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.55 413.25 Td ($18.0 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.67 413.25 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.88 413.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.47 413.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 401.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 108.66 401.25 Td (, and was composed of investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (securities, loans and trading assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 377.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 113.71 377.25 Td (s exposure to states and municipalities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (amounted to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.21 365.25 Td ($29.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.33 365.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.76 365.25 Td ($31.0 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.88 365.25 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.09 365.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 353.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.44 353.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.44 353.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 148.10 353.25 Td (, and was composed of trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.25 Td (assets, investment securities, derivatives and lending activities.) Tj ET Q endstream endobj 511 0 obj <> endobj 512 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (253) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (25.F) Tj ET Q q 0 0 0 rg BT 61.37 742.25 Td (AIR ) Tj ET Q q 0 0 0 rg BT 82.02 742.25 Td (V) Tj ET Q q 0 0 0 rg BT 87.95 742.25 Td (ALUE MEASUREMENT) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 722.25 Td (ASC 820-10 ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 88.78 722.25 Td (Fair V) Tj ET Q q 0 0 0 rg BT 114.06 722.25 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 163.96 722.25 Td (ement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.84 722.25 Td (, defines fair value, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 710.25 Td (establishes a consistent framework for measuring fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 698.25 Td (and requires disclosures about fair value measurements. Fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 686.25 Td (value is defined as the price that would be received to sell an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 674.25 Td (asset or paid to transfer a liability in an orderly transaction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 662.25 Td (between market participants at the measurement date. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 650.25 Td (Among other things, the standard requires the Company to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 638.25 Td (maximize the use of observable inputs and minimize the use ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 626.25 Td (of unobservable inputs when measuring fair value.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 614.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 80.94 614.25 Td (ASC 820-10, the probability of default of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 602.25 Td (counterparty is factored into the valuation of derivative and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 590.25 Td (other positions as well as the impact of Citigroup) Tj ET Q q 0 0 0 rg BT 235.41 590.25 Td (s own ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 578.25 Td (credit risk on derivatives and other liabilities measured at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 566.25 Td (fair value.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 542.25 Td (Fair) Tj ET Q q 0 0 0 rg BT 54.14 542.25 Td ( ) Tj ET Q q 0 0 0 rg BT 56.46 542.25 Td (V) Tj ET Q q 0 0 0 rg BT 62.77 542.25 Td (alue Hierar) Tj ET Q q 0 0 0 rg BT 111.74 542.25 Td (chy) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 530.25 Td (ASC 820-10 specifies a hierarchy of inputs based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 518.25 Td (whether the inputs are observable or unobservable. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 506.25 Td (Observable inputs are developed using market data and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 494.25 Td (reflect market participant assumptions, while unobservable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 482.25 Td (inputs reflect the Company) Tj ET Q q 0 0 0 rg BT 147.36 482.25 Td (s market assumptions. ) Tj ET Q q 0 0 0 rg BT 238.29 482.25 Td (These two ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 470.25 Td (types of inputs have created the following fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 458.25 Td (hierarchy:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 440.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 440.25 Td (Level1: Quoted prices for ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 162.02 440.25 Td (identical) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.01 440.25 Td ( instruments in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 428.25 Td (active markets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 416.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 416.25 Td (Level2: Quoted prices for ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 162.02 416.25 Td (similar) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.36 416.25 Td ( instruments in active ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 404.25 Td (markets; quoted prices for identical or similar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 392.25 Td (instruments in markets that are not active; and model-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 380.25 Td (derived valuations in which all significant inputs and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 368.25 Td (significant value drivers are ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 167.84 368.25 Td (observable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.72 368.25 Td ( in active ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 356.25 Td (markets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 344.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 344.25 Td (Level3: ) Tj ET Q q 0 0 0 rg BT 89.36 344.25 Td (V) Tj ET Q q 0 0 0 rg BT 95.47 344.25 Td (aluations derived from valuation techniques ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 332.25 Td (in which one or more significant inputs or significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 320.25 Td (value drivers are ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 123.13 320.25 Td (unobservable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.01 320.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 296.25 Td (As required under the fair value hierarchy) Tj ET Q q 0 0 0 rg BT 221.05 296.25 Td (, the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 284.25 Td (considers relevant and observable market inputs in its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 272.25 Td (valuations where possible. ) Tj ET Q q 0 0 0 rg BT 144.13 272.25 Td (The frequency of transactions, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 260.25 Td (size of the bid-ask spread and the amount of adjustment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 248.25 Td (necessary when comparing similar transactions are all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 236.25 Td (factors in determining the liquidity of markets and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 224.25 Td (relevance of observed prices in those markets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 212.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 113.71 212.25 Td (s policy with respect to transfers between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 200.25 Td (levels of the fair value hierarchy is to recognize transfers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 188.25 Td (into and out of each level as of the end of the reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 176.25 Td (period.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 152.25 Td (Determination of Fair) Tj ET Q q 0 0 0 rg BT 129.68 152.25 Td ( ) Tj ET Q q 0 0 0 rg BT 132.00 152.25 Td (V) Tj ET Q q 0 0 0 rg BT 138.30 152.25 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 140.25 Td (For assets and liabilities carried at fair value, the Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 128.25 Td (measures fair value using the procedures set out below) Tj ET Q q 0 0 0 rg BT 254.17 128.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 116.25 Td (irrespective of whether the assets and liabilities are measured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 104.25 Td (at fair value as a result of an election or whether they are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 92.25 Td (required to be measured at fair value.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 80.25 Td (When available, the Company uses quoted market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 68.25 Td (prices to determine fair value and classifies such items as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 56.25 Td (Level1. In some cases where a market price is available, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (Company will make use of acceptable practical expedients ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (\(such as matrix pricing\) to calculate fair value, in which case ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (the items are classified as Level2.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 706.10 Td (The Company may also apply a price-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (methodology) Tj ET Q q 0 0 0 rg BT 369.12 694.10 Td (, which utilizes, where available, quoted prices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (or other market information obtained from recent trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (activity in positions with the same or similar characteristics ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (to the position being valued. ) Tj ET Q q 0 0 0 rg BT 432.91 658.10 Td (The market activity and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (amount of the bid-ask spread are among the factors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (considered in determining the liquidity of markets and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (observability of prices from those markets. If relevant and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (observable prices are available, those valuations may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (classified as Level2. ) Tj ET Q q 0 0 0 rg BT 403.18 598.10 Td (When less liquidity exists for a security ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (or loan, a quoted price is stale, a significant adjustment to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (the price of a similar security is necessary to reflect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (dif) Tj ET Q q 0 0 0 rg BT 327.93 562.10 Td (ferences in the terms of the actual security or loan being ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (valued, or prices from independent sources are insuf) Tj ET Q q 0 0 0 rg BT 526.19 550.10 Td (ficient ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (to corroborate the valuation, the price inputs are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 Td (considered unobservable and the fair value measurements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 514.10 Td (are classified as Level3.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 502.10 Td (If quoted market prices are not available, fair value is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (based upon internally developed valuation techniques that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (use, where possible, current market-based parameters, such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 466.10 Td (as interest rates, currency rates and option volatilities. Items ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 454.10 Td (valued using such internally generated valuation techniques ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (are classified according to the lowest level input or value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (driver that is significant to the valuation. ) Tj ET Q q 0 0 0 rg BT 481.78 430.10 Td (Thus, an item may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.10 Td (be classified as Level3 even though there may be some ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.10 Td (significant inputs that are readily observable.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 394.10 Td (Fair value estimates from internal valuation techniques ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (are verified, where possible, to prices obtained from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 Td (independent vendors or brokers. ) Tj ET Q q 0 0 0 rg BT 448.17 370.10 Td (V) Tj ET Q q 0 0 0 rg BT 454.29 370.10 Td (endors) Tj ET Q q 0 0 0 rg BT 483.53 370.10 Td ( and brokers) Tj ET Q q 0 0 0 rg BT 535.55 370.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 Td (valuations may be based on a variety of inputs ranging from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (observed prices to proprietary valuation models.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 334.10 Td (The following section describes the valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 Td (methodologies used by the Company to measure various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 310.10 Td (financial instruments at fair value, including an indication of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (the level in the fair value hierarchy in which each instrument ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (is generally classified. ) Tj ET Q q 0 0 0 rg BT 408.46 286.10 Td (Where appropriate, the description ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (includes details of the valuation models, the key inputs to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.10 Td (those models and any significant assumptions.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 317.00 238.10 Td (Market V) Tj ET Q q 0 0 0 rg BT 355.06 238.10 Td (aluation ) Tj ET Q q 0 0 0 rg BT 391.65 238.10 Td (Adjustments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 355.77 226.10 Td (, the unit of account for a financial instrument is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 Td (the individual financial instrument. ) Tj ET Q q 0 0 0 rg BT 459.84 214.10 Td (The Company applies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.10 Td (market valuation adjustments that are consistent with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.10 Td (unit of account, which does not include adjustment due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 178.10 Td (the size of the Company) Tj ET Q q 0 0 0 rg BT 416.98 178.10 Td (s position, except as follows. ) Tj ET Q q 0 0 0 rg BT 534.47 178.10 Td (ASC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 166.10 Td (820-10 permits an exception, through an accounting policy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 Td (election, to measure the fair value of a portfolio of financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 142.10 Td (assets and financial liabilities on the basis of the net open ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 130.10 Td (risk position when certain criteria are met. Citi has elected to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 118.10 Td (measure certain portfolios of financial instruments, such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 106.10 Td (derivatives, that meet those criteria on the basis of the net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 94.10 Td (open risk position. ) Tj ET Q q 0 0 0 rg BT 393.48 94.10 Td (The Company applies market valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 82.10 Td (adjustments, including adjustments to account for the size of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 70.10 Td (the net open risk position, consistent with market participant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 58.10 Td (assumptions and in accordance with the unit of account.) Tj ET Q endstream endobj 513 0 obj <> endobj 514 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (254) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 742.10 Td (Liquidity adjustments are applied to items in Level 2 or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (Level 3 of the fair) Tj ET Q q 0 0 0 rg BT 107.99 730.10 Td (-value hierarchy in an ef) Tj ET Q q 0 0 0 rg BT 205.53 730.10 Td (fort to ensure that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (the fair value reflects the price at which the net open risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (position could be liquidated. ) Tj ET Q q 0 0 0 rg BT 152.19 706.10 Td (The liquidity adjustment is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (based on the bid/of) Tj ET Q q 0 0 0 rg BT 112.19 694.10 Td (fer spread for an instrument. ) Tj ET Q q 0 0 0 rg BT 228.08 694.10 Td (When Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (has elected to measure certain portfolios of financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (investments, such as derivatives, on the basis of the net open ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (risk position, the liquidity adjustment may be adjusted to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (take into account the size of the position.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 634.10 Td (Credit valuation adjustments \(CV) Tj ET Q q 0 0 0 rg BT 187.41 634.10 Td (A\) and, ef) Tj ET Q q 0 0 0 rg BT 227.49 634.10 Td (fective in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (third quarter of 2014, funding valuation adjustments \(FV) Tj ET Q q 0 0 0 rg BT 262.45 622.10 Td (A\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 Td (are applied to over) Tj ET Q q 0 0 0 rg BT 110.49 610.10 Td (-the-counter \(OTC\) derivative instruments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (in which the base valuation generally discounts expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (cash flows using the relevant base interest rate curve for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 Td (currency of the derivative \(e.g., LIBOR for uncollateralized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.10 Td (U.S.-dollar derivatives\). ) Tj ET Q q 0 0 0 rg BT 134.59 562.10 Td (As not all counterparties have the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.10 Td (same credit risk as that implied by the relevant base curve, a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 Td (CV) Tj ET Q q 0 0 0 rg BT 48.60 538.10 Td (A) Tj ET Q q 0 0 0 rg BT 55.27 538.10 Td ( is necessary to incorporate the market view of both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (counterparty credit risk and Citi) Tj ET Q q 0 0 0 rg BT 166.52 526.10 Td (s own credit risk in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (valuation. FV) Tj ET Q q 0 0 0 rg BT 89.71 514.10 Td (A) Tj ET Q q 0 0 0 rg BT 96.38 514.10 Td ( reflects a market funding risk premium ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.10 Td (inherent in the uncollateralized portion of derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.10 Td (portfolios, and in collateralized derivatives where the terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.10 Td (of the agreement do not permit the reuse of the collateral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td (received.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 454.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 454.10 Td (s CV) Tj ET Q q 0 0 0 rg BT 90.78 454.10 Td (A) Tj ET Q q 0 0 0 rg BT 97.45 454.10 Td ( and FV) Tj ET Q q 0 0 0 rg BT 128.38 454.10 Td (A) Tj ET Q q 0 0 0 rg BT 135.05 454.10 Td ( methodology is composed of two ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.10 Td (steps. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 424.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 424.10 Td (First, the exposure profile for each counterparty is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 412.10 Td (determined using the terms of all individual derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 400.10 Td (positions and a Monte Carlo simulation or other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 388.10 Td (quantitative analysis to generate a series of expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 376.10 Td (cash flows at future points in time. ) Tj ET Q q 0 0 0 rg BT 194.90 376.10 Td (The calculation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 364.10 Td (this exposure profile considers the ef) Tj ET Q q 0 0 0 rg BT 201.28 364.10 Td (fect of credit risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 352.10 Td (mitigants and sources of funding, including pledged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 340.10 Td (cash or other collateral and any legal right of of) Tj ET Q q 0 0 0 rg BT 244.02 340.10 Td (fset that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 328.10 Td (exists with a counterparty through arrangements such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 316.10 Td (netting agreements. Individual derivative contracts that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 304.10 Td (are subject to an enforceable master netting agreement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 292.10 Td (with a counterparty are aggregated as a netting set for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 280.10 Td (this purpose, since it is those aggregate net cash flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 268.10 Td (that are subject to nonperformance risk. ) Tj ET Q q 0 0 0 rg BT 215.15 268.10 Td (This process ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 256.10 Td (identifies specific, point-in-time future cash flows that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 244.10 Td (are subject to nonperformance risk and unsecured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 232.10 Td (funding, rather than using the current recognized net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 220.10 Td (asset or liability as a basis to measure the CV) Tj ET Q q 0 0 0 rg BT 234.06 220.10 Td (A) Tj ET Q q 0 0 0 rg BT 240.73 220.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 208.10 Td (FV) Tj ET Q q 0 0 0 rg BT 65.49 208.10 Td (A. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 196.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 196.10 Td (Second, for CV) Tj ET Q q 0 0 0 rg BT 115.20 196.10 Td (A, market-based views of default ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 184.10 Td (probabilities derived from observed credit spreads in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 172.10 Td (credit default swap \(CDS\) market are applied to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 160.10 Td (expected future cash flows determined in step one. Citi) Tj ET Q q 0 0 0 rg BT 276.99 160.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 148.10 Td (own-credit CV) Tj ET Q q 0 0 0 rg BT 112.42 148.10 Td (A) Tj ET Q q 0 0 0 rg BT 119.09 148.10 Td ( is determined using Citi-specific CDS ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 136.10 Td (spreads for the relevant tenor) Tj ET Q q 0 0 0 rg BT 170.06 136.10 Td (. Generally) Tj ET Q q 0 0 0 rg BT 213.84 136.10 Td (, counterparty ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 124.10 Td (CV) Tj ET Q q 0 0 0 rg BT 66.60 124.10 Td (A) Tj ET Q q 0 0 0 rg BT 73.27 124.10 Td ( is determined using CDS spread indices for each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 112.10 Td (credit rating and tenor) Tj ET Q q 0 0 0 rg BT 142.02 112.10 Td (. For certain identified netting sets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 100.10 Td (where individual analysis is practicable \(e.g., exposures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 88.10 Td (to counterparties with liquid CDSs\), counterparty-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 76.10 Td (specific CDS spreads are used. For FV) Tj ET Q q 0 0 0 rg BT 207.96 76.10 Td (A, a term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 64.10 Td (structure of future liquidity spreads is applied to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 52.10 Td (expected future funding requirement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 742.10 Td (The CV) Tj ET Q q 0 0 0 rg BT 365.65 742.10 Td (A) Tj ET Q q 0 0 0 rg BT 372.32 742.10 Td ( and FV) Tj ET Q q 0 0 0 rg BT 403.25 742.10 Td (A) Tj ET Q q 0 0 0 rg BT 409.92 742.10 Td ( are designed to incorporate a market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (view of the credit and funding risk, respectively) Tj ET Q q 0 0 0 rg BT 507.96 730.10 Td (, inherent in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (the derivative portfolio. However) Tj ET Q q 0 0 0 rg BT 450.44 718.10 Td (, most unsecured derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (instruments are negotiated bilateral contracts and are not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (commonly transferred to third parties. Derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (instruments are normally settled contractually or) Tj ET Q q 0 0 0 rg BT 510.71 682.10 Td (, if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (terminated early) Tj ET Q q 0 0 0 rg BT 381.59 670.10 Td (, are terminated at a value negotiated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (bilaterally between the counterparties. ) Tj ET Q q 0 0 0 rg BT 472.03 658.10 Td (Thus, the CV) Tj ET Q q 0 0 0 rg BT 524.35 658.10 Td (A) Tj ET Q q 0 0 0 rg BT 531.02 658.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (FV) Tj ET Q q 0 0 0 rg BT 328.49 646.10 Td (A) Tj ET Q q 0 0 0 rg BT 335.16 646.10 Td ( may not be realized upon a settlement or termination in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (the normal course of business. In addition, all or a portion of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (these adjustments may be reversed or otherwise adjusted in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (future periods in the event of changes in the credit or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (funding risk associated with the derivative instruments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 586.10 Td (The table below summarizes the CV) Tj ET Q q 0 0 0 rg BT 479.50 586.10 Td (A) Tj ET Q q 0 0 0 rg BT 486.17 586.10 Td ( and FV) Tj ET Q q 0 0 0 rg BT 517.10 586.10 Td (A) Tj ET Q q 0 0 0 rg BT 523.77 586.10 Td ( applied ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (to the fair value of derivative instruments at December 31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (2015 and 2014:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 498.60 120.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 498.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 498.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 470.60 120.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 470.60 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 470.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 442.60 120.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 442.60 63.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 442.60 60.00 -23.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 521.6 m 500.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 521.6 m 560.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 498.6 m 437.5 498.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 498.6 m 500.5 498.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 521.6 m 560.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 498.6 m 560.5 498.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 442.6 m 437.5 442.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 419.6 m 437.5 419.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 442.6 m 500.5 442.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 419.6 m 500.5 419.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 442.6 m 560.5 442.6 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 419.6 m 560.5 419.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 526.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.40 543.00 Td (Cr) Tj ET Q q 0 0 0 rg BT 452.73 543.00 Td (edit and funding valuation ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.95 534.00 Td (adjustments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.35 525.00 Td (contra-liability \(contra-asset\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 320.00 502.85 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.30 512.05 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.50 503.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.75 512.06 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 503.06 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 489.06 Td (Counterparty CVA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.00 489.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.75 489.05 Td (\(1,470) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 489.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 489.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.75 489.06 Td (\(1,853) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 489.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 475.06 Td (Asset FVA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.50 475.05 Td (\(584) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 475.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.50 475.06 Td (\(518) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 475.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 461.06 Td (Citigroup \(own-credit\) CVA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.50 461.05 Td (471) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.50 461.06 Td (580) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 447.06 Td (Liability FVA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.50 447.05 Td (106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.00 447.06 Td (19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 433.05 Td (T) Tj ET Q q 0 0 0 rg BT 325.18 433.05 Td (otal CV) Tj ET Q q 0 0 0 rg BT 353.76 433.05 Td (Aderivative ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 424.05 Td (instruments) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 366.00 428.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.00 424.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.75 424.05 Td (\(1,477) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 424.05 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 424.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.75 424.06 Td (\(1,772) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 424.06 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.00 400.90 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 335.00 400.90 Td (FV) Tj ET Q q 0 0 0 rg BT 344.20 400.90 Td (A) Tj ET Q q 0 0 0 rg BT 349.53 400.90 Td ( is included with CV) Tj ET Q q 0 0 0 rg BT 414.72 400.90 Td (A) Tj ET Q q 0 0 0 rg BT 420.05 400.90 Td ( for presentation purposes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 376.90 Td (The table below summarizes pretax gains \(losses\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 364.90 Td (related to changes in CV) Tj ET Q q 0 0 0 rg BT 414.57 364.90 Td (A) Tj ET Q q 0 0 0 rg BT 421.24 364.90 Td ( on derivative instruments, net of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 352.90 Td (hedges, FV) Tj ET Q q 0 0 0 rg BT 361.26 352.90 Td (A) Tj ET Q q 0 0 0 rg BT 367.93 352.90 Td ( on derivatives and debt valuation adjustments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 340.90 Td (\(DV) Tj ET Q q 0 0 0 rg BT 333.48 340.90 Td (A\) on Citi) Tj ET Q q 0 0 0 rg BT 376.82 340.90 Td (s own fair value option \(FVO\) liabilities for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 328.90 Td (the years indicated:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 260.40 111.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 260.40 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 260.40 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 260.40 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 232.40 111.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 232.40 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 232.40 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 232.40 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 195.40 111.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 195.40 47.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 195.40 47.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 195.40 47.00 -23.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 288.4 m 475.5 288.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 288.4 m 522.5 288.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 288.4 m 569.5 288.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 274.4 m 428.5 274.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 274.4 m 475.5 274.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 274.4 m 522.5 274.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 288.4 m 569.5 288.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 274.4 m 569.5 274.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 218.39999999999998 m 428.5 218.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 195.39999999999998 m 428.5 195.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 218.39999999999998 m 475.5 218.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 195.39999999999998 m 475.5 195.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 218.39999999999998 m 522.5 218.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 195.39999999999998 m 522.5 195.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 218.39999999999998 m 569.5 218.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 195.39999999999998 m 569.5 195.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 172.39999999999998 m 428.5 172.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 195.39999999999998 m 475.5 195.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 195.39999999999998 m 522.5 195.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 195.39999999999998 m 569.5 195.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 158.39999999999998 m 428.5 158.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 172.39999999999998 m 475.5 172.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 158.39999999999998 m 475.5 158.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 172.39999999999998 m 522.5 172.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 158.39999999999998 m 522.5 158.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 172.39999999999998 m 569.5 172.39999999999998 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 158.39999999999998 m 569.5 158.39999999999998 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.00 293.08 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.90 301.85 Td (Cr) Tj ET Q q 0 0 0 rg BT 451.23 301.85 Td (edit/funding/debt valuation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.45 292.85 Td (adjustments gain \(loss\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 320.00 278.65 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.50 278.85 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.50 278.86 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.50 278.86 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 264.86 Td (Counterparty CVA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.00 264.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.50 264.85 Td (\(115) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 264.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 264.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 264.86 Td (\(43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 264.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 264.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.50 264.86 Td (291) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 250.86 Td (Asset FVA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.00 250.85 Td (\(66) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 250.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.50 250.86 Td (\(518) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 250.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 250.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 236.86 Td (Own-credit CVA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.00 236.85 Td (\(28) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 236.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 236.86 Td (\(65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 236.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.50 236.86 Td (\(223) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.00 236.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 222.86 Td (Liability FVA) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.00 222.85 Td (98) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 222.86 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 222.86 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 208.85 Td (Total CVAderivative) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 199.85 Td (instruments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.00 199.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.50 199.85 Td (\(111) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 199.85 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 199.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.50 199.86 Td (\(607) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 199.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 199.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.00 199.86 Td (68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 185.86 Td (DVA related to own FVO) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 176.86 Td (liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.00 176.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.50 176.85 Td (366) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 176.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.50 176.86 Td (217) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 176.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.50 176.86 Td (\(410) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.00 176.86 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 162.85 Td (T) Tj ET Q q 0 0 0 rg BT 325.18 162.85 Td (otal CV) Tj ET Q q 0 0 0 rg BT 353.76 162.85 Td (A) Tj ET Q q 0 0 0 rg BT 359.77 162.85 Td ( and DV) Tj ET Q q 0 0 0 rg BT 390.62 162.85 Td (A) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 397.12 166.93 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.00 162.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.50 162.85 Td (255) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 162.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.50 162.86 Td (\(390) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 162.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 162.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.50 162.86 Td (\(342) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 566.00 162.86 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.00 139.70 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 335.00 139.70 Td (FV) Tj ET Q q 0 0 0 rg BT 344.20 139.70 Td (A) Tj ET Q q 0 0 0 rg BT 349.53 139.70 Td ( is included with CV) Tj ET Q q 0 0 0 rg BT 414.72 139.70 Td (A) Tj ET Q q 0 0 0 rg BT 420.05 139.70 Td ( for presentation purposes.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 115.70 Td (V) Tj ET Q q 0 0 0 rg BT 323.30 115.70 Td (aluation Pr) Tj ET Q q 0 0 0 rg BT 371.18 115.70 Td (ocess for) Tj ET Q q 0 0 0 rg BT 407.93 115.70 Td ( Fair) Tj ET Q q 0 0 0 rg BT 428.57 115.70 Td ( ) Tj ET Q q 0 0 0 rg BT 430.89 115.70 Td (V) Tj ET Q q 0 0 0 rg BT 437.20 115.70 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 490.06 115.70 Td (ements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 103.70 Td (Price verification procedures and related internal control ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 91.70 Td (procedures are governed by the Citigroup ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 485.83 91.70 Td (Pricing and Price ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 317.00 79.70 Td (V) Tj ET Q q 0 0 0 rg BT 322.00 79.70 Td (erification Policy and Standar) Tj ET Q q 0 0 0 rg BT 443.00 79.70 Td (ds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.89 79.70 Td (, which is jointly owned by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 67.70 Td (Finance and Risk Management. ) Tj ET Q endstream endobj 515 0 obj <> endobj 516 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (255) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 742.10 Td (For fair value measurements of substantially all assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (and liabilities held by the Company) Tj ET Q q 0 0 0 rg BT 177.83 730.10 Td (, individual business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (units are responsible for valuing the trading account assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (and liabilities, and Product Control within Finance performs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (independent price verification procedures to evaluate those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (fair value measurements. Product Control is independent of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (the individual business units and reports to the Global Head ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (of Product Control. It has authority over the valuation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (financial assets and liabilities. Fair value measurements of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.10 Td (assets and liabilities are determined using various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (techniques, including, but not limited to, discounted cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 Td (flows and internal models, such as option and correlation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (models.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 586.10 Td (Based on the observability of inputs used, Product ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 Td (Control classifies the inventory as Level1, Level2 or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.10 Td (Level3 of the fair value hierarchy) Tj ET Q q 0 0 0 rg BT 171.95 562.10 Td (. ) Tj ET Q q 0 0 0 rg BT 176.77 562.10 Td (When a position involves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.10 Td (one or more significant inputs that are not directly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 Td (observable, price verification procedures are performed that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (may include reviewing relevant historical data, analyzing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (profit and loss, valuing each component of a structured trade ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.10 Td (individually) Tj ET Q q 0 0 0 rg BT 83.68 502.10 Td (, and benchmarking, among others.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 490.10 Td (Reports of inventory that is classified within Level3 of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.10 Td (the fair value hierarchy are distributed to senior management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td (in Finance, Risk and the business. ) Tj ET Q q 0 0 0 rg BT 174.14 466.10 Td (This inventory is also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.10 Td (discussed in Risk Committees and in monthly meetings with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.10 Td (senior trading management. ) Tj ET Q q 0 0 0 rg BT 149.30 442.10 Td (As deemed necessary) Tj ET Q q 0 0 0 rg BT 234.73 442.10 Td (, reports ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.10 Td (may go to the ) Tj ET Q q 0 0 0 rg BT 92.66 430.10 Td (Audit Committee of the Board of Directors or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.10 Td (to the full Board of Directors. ) Tj ET Q q 0 0 0 rg BT 157.18 418.10 Td (Whenever an adjustment is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.10 Td (needed to bring the price of an asset or liability to its exit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.10 Td (price, Product Control reports it to management along with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.10 Td (other price verification results.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 370.10 Td (In addition, the pricing models used in measuring fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.10 Td (value are governed by an independent control framework. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.10 Td (Although the models are developed and tested by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.10 Td (individual business units, they are independently validated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.10 Td (by the Model ) Tj ET Q q 0 0 0 rg BT 91.64 322.10 Td (V) Tj ET Q q 0 0 0 rg BT 97.76 322.10 Td (alidation Group within Risk Management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.10 Td (and reviewed by Finance with respect to their impact on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.10 Td (price verification procedures. ) Tj ET Q q 0 0 0 rg BT 155.76 298.10 Td (The purpose of this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.10 Td (independent control framework is to assess model risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.10 Td (arising from models) Tj ET Q q 0 0 0 rg BT 119.13 274.10 Td ( theoretical soundness, calibration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.10 Td (techniques where needed, and the appropriateness of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.10 Td (model for a specific product in a defined market. ) Tj ET Q q 0 0 0 rg BT 233.52 250.10 Td (T) Tj ET Q q 0 0 0 rg BT 238.93 250.10 Td (o ensure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.10 Td (their continued applicability) Tj ET Q q 0 0 0 rg BT 148.09 238.10 Td (, models are independently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.10 Td (reviewed annually) Tj ET Q q 0 0 0 rg BT 108.93 226.10 Td (. In addition, Risk Management approves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.10 Td (and maintains a list of products permitted to be valued under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.10 Td (each approved model for a given business.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 178.10 Td (Securities Purchased Under ) Tj ET Q q 0 0 0 rg BT 153.69 178.10 Td (Agreements to Resell and ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 166.10 Td (Securities Sold Under ) Tj ET Q q 0 0 0 rg BT 128.14 166.10 Td (Agreements to Repurchase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.10 Td (No quoted prices exist for these instruments, so fair value is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.10 Td (determined using a discounted cash-flow technique. Cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.10 Td (flows are estimated based on the terms of the contract, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.10 Td (taking into account any embedded derivative or other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.10 Td (features. ) Tj ET Q q 0 0 0 rg BT 72.46 106.10 Td (These cash flows are discounted using interest rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.10 Td (appropriate to the maturity of the instrument as well as the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 82.10 Td (nature of the underlying collateral. Generally) Tj ET Q q 0 0 0 rg BT 215.83 82.10 Td (, when such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.10 Td (instruments are recorded at fair value, they are classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.10 Td (within Level2 of the fair value hierarchy) Tj ET Q q 0 0 0 rg BT 200.00 58.10 Td (, as the inputs used ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 46.10 Td (in the valuation are readily observable. However) Tj ET Q q 0 0 0 rg BT 230.24 46.10 Td (, certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (long-dated positions are classified within Level3 of the fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (value hierarchy) Tj ET Q q 0 0 0 rg BT 378.26 730.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 317.00 706.10 Td (T) Tj ET Q q 0 0 0 rg BT 322.74 706.10 Td (rading ) Tj ET Q q 0 0 0 rg BT 352.10 706.10 Td (Account ) Tj ET Q q 0 0 0 rg BT 388.67 706.10 Td (Assets and LiabilitiesT) Tj ET Q q 0 0 0 rg BT 491.64 706.10 Td (rading Securities ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (and T) Tj ET Q q 0 0 0 rg BT 340.80 694.10 Td (rading Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 682.10 Td (When available, the Company uses quoted market prices in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (active markets to determine the fair value of trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (securities; such items are classified as Level1 of the fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (value hierarchy) Tj ET Q q 0 0 0 rg BT 378.26 646.10 Td (. Examples include government securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (and exchange-traded equity securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 622.10 Td (For bonds and secondary market loans traded over the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (counter) Tj ET Q q 0 0 0 rg BT 346.58 610.10 Td (, the Company generally determines fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (utilizing valuation techniques, including discounted cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (flows, price-based and internal models, such as Black-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (Scholes and Monte Carlo simulation. Fair value estimates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (from these internal valuation techniques are verified, where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (possible, to prices obtained from independent sources, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (including third-party vendors. ) Tj ET Q q 0 0 0 rg BT 439.02 538.10 Td (V) Tj ET Q q 0 0 0 rg BT 445.13 538.10 Td (endors compile prices from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 Td (various sources and may apply matrix pricing for similar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 514.10 Td (bonds or loans where no price is observable. ) Tj ET Q q 0 0 0 rg BT 496.68 514.10 Td (A) Tj ET Q q 0 0 0 rg BT 503.35 514.10 Td ( price-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 502.10 Td (methodology utilizes, where available, quoted prices or other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (market information obtained from recent trading activity of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (assets with similar characteristics to the bond or loan being ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 466.10 Td (valued. ) Tj ET Q q 0 0 0 rg BT 348.47 466.10 Td (The yields used in discounted cash flow models are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 454.10 Td (derived from the same price information. ) Tj ET Q q 0 0 0 rg BT 483.70 454.10 Td (T) Tj ET Q q 0 0 0 rg BT 489.46 454.10 Td (rading securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (and loans priced using such methods are generally classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (as Level2. However) Tj ET Q q 0 0 0 rg BT 399.34 430.10 Td (, when less liquidity exists for a security ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 418.10 Td (or loan, a quoted price is stale, a significant adjustment to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.10 Td (the price of a similar security or loan is necessary to reflect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (dif) Tj ET Q q 0 0 0 rg BT 327.93 394.10 Td (ferences in the terms of the actual security or loan being ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (valued, or prices from independent sources are insuf) Tj ET Q q 0 0 0 rg BT 526.19 382.10 Td (ficient ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 Td (to corroborate valuation, a loan or security is generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 Td (classified as Level3. ) Tj ET Q q 0 0 0 rg BT 403.18 358.10 Td (The price input used in a price-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (methodology may be zero for a security) Tj ET Q q 0 0 0 rg BT 475.74 346.10 Td (, such as a subprime ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 Td (CDO, that is not receiving any principal or interest and is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 322.10 Td (currently written down to zero.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 310.10 Td (When the Company) Tj ET Q q 0 0 0 rg BT 417.76 310.10 Td (s principal market for a portfolio of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (loans is the securitization market, the Company uses the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (securitization price to determine the fair value of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 356.81 274.10 Td (The securitization price is determined from the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.10 Td (assumed proceeds of a hypothetical securitization in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 Td (current market, adjusted for transformation costs \(i.e.,direct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 238.10 Td (costs other than transaction costs\) and securitization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.10 Td (uncertainties such as market conditions and liquidity) Tj ET Q q 0 0 0 rg BT 526.86 226.10 Td (. ) Tj ET Q q 0 0 0 rg BT 531.31 226.10 Td (As a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 Td (result of the severe reduction in the level of activity in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.10 Td (certain securitization markets since the second half of 2007, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.10 Td (observable securitization prices for certain directly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 178.10 Td (comparable portfolios of loans have not been readily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 166.10 Td (available. ) Tj ET Q q 0 0 0 rg BT 357.91 166.10 Td (Therefore, such portfolios of loans are generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 Td (classified as Level3 of the fair value hierarchy) Tj ET Q q 0 0 0 rg BT 504.04 154.10 Td (. However) Tj ET Q q 0 0 0 rg BT 545.29 154.10 Td (, for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 142.10 Td (other loan securitization markets, such as commercial real ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 130.10 Td (estate loans, price verification of the hypothetical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 118.10 Td (securitizations has been possible, since these markets have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 106.10 Td (remained active. ) Tj ET Q q 0 0 0 rg BT 385.02 106.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 434.36 106.10 Td (, this loan portfolio is classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 94.10 Td (as Level2 of the fair value hierarchy) Tj ET Q q 0 0 0 rg BT 463.78 94.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 82.10 Td (For most of the lending and structured direct subprime ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 70.10 Td (exposures, fair value is determined utilizing observable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 58.10 Td (transactions where available, other market data for similar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 46.10 Td (assets in markets that are not active and other internal ) Tj ET Q endstream endobj 517 0 obj <> endobj 518 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (256) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (valuation techniques. ) Tj ET Q q 0 0 0 rg BT 123.29 742.10 Td (The valuation of certain asset-backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (security \(ABS\) CDO positions utilizes prices based on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (underlying assets of the ) Tj ET Q q 0 0 0 rg BT 132.65 718.10 Td (ABS CDO. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (T) Tj ET Q q 0 0 0 rg BT 41.74 694.10 Td (rading ) Tj ET Q q 0 0 0 rg BT 71.10 694.10 Td (Account ) Tj ET Q q 0 0 0 rg BT 107.67 694.10 Td (Assets and LiabilitiesDerivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (Exchange-traded derivatives, measured at fair value using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (quoted \(i.e.,exchange\) prices in active markets, where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (available, are classified as Level1 of the fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (hierarchy) Tj ET Q q 0 0 0 rg BT 73.10 646.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 634.10 Td (Derivatives without a quoted price in an active market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (and derivatives executed over the counter are valued using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 Td (internal valuation techniques. ) Tj ET Q q 0 0 0 rg BT 156.34 610.10 Td (These derivative instruments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (are classified as either Level2 or Level3 depending upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (the observability of the significant inputs to the model.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 574.10 Td (The valuation techniques and inputs depend on the type ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.10 Td (of derivative and the nature of the underlying instrument. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 550.10 Td (The principal techniques used to value these instruments are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 Td (discounted cash flows and internal models, including Black-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (Scholes and Monte Carlo simulation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 514.10 Td (The key inputs depend upon the type of derivative and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.10 Td (the nature of the underlying instrument and include interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.10 Td (rate yield curves, foreign-exchange rates, volatilities and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.10 Td (correlation. ) Tj ET Q q 0 0 0 rg BT 84.13 478.10 Td (The Company uses overnight indexed swap ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td (\(OIS\) curves as fair value measurement inputs for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.10 Td (valuation of certain collateralized derivatives. Citi uses the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.10 Td (relevant benchmark curve for the currency of the derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.10 Td (\(e.g., the London Interbank Of) Tj ET Q q 0 0 0 rg BT 158.28 430.10 Td (fered Rate for U.S. dollar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.10 Td (derivatives\) as the discount rate for uncollateralized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.10 Td (derivatives. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 394.10 Td (As referenced above, during the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.50 394.10 Td (third) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.38 394.10 Td ( quarter of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.53 394.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.53 394.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.10 Td (Citi incorporated FV) Tj ET Q q 0 0 0 rg BT 118.03 382.10 Td (A) Tj ET Q q 0 0 0 rg BT 124.70 382.10 Td ( into the fair value measurements due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.10 Td (to what it believes to be an industry migration toward ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.10 Td (incorporating the market) Tj ET Q q 0 0 0 rg BT 137.63 358.10 Td (s view of funding risk premium in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.10 Td (OTC derivatives. ) Tj ET Q q 0 0 0 rg BT 107.19 346.10 Td (The char) Tj ET Q q 0 0 0 rg BT 142.26 346.10 Td (ge incurred in connection with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.10 Td (implementation of FV) Tj ET Q q 0 0 0 rg BT 123.59 334.10 Td (A) Tj ET Q q 0 0 0 rg BT 130.26 334.10 Td ( was reflected in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 198.56 334.10 Td (Principal ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 322.10 Td (transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.45 322.10 Td ( as a change in accounting estimate. Citi) Tj ET Q q 0 0 0 rg BT 251.79 322.10 Td (s FV) Tj ET Q q 0 0 0 rg BT 269.67 322.10 Td (A) Tj ET Q q 0 0 0 rg BT 276.34 322.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.10 Td (methodology leverages the existing CV) Tj ET Q q 0 0 0 rg BT 193.01 310.10 Td (A) Tj ET Q q 0 0 0 rg BT 199.68 310.10 Td ( methodology to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.10 Td (estimate a funding exposure profile. ) Tj ET Q q 0 0 0 rg BT 182.44 298.10 Td (The calculation of this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.10 Td (exposure profile considers collateral agreements where the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.10 Td (terms do not permit the firm to reuse the collateral received, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.10 Td (including where counterparties post collateral to third-party ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.10 Td (custodians. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 226.10 Td (Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.10 Td (The investments category includes available-for) Tj ET Q q 0 0 0 rg BT 227.95 214.10 Td (-sale debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.10 Td (and marketable equity securities whose fair values are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.10 Td (generally determined by utilizing similar procedures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.10 Td (described for trading securities above or) Tj ET Q q 0 0 0 rg BT 196.37 178.10 Td (, in some cases, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.10 Td (using vendor pricing as the primary source.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 154.10 Td (Also included in investments are nonpublic investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.10 Td (in private equity and real estate entities. Determining the fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.10 Td (value of nonpublic securities involves a significant degree of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.10 Td (management judgment, as no quoted prices exist and such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.10 Td (securities are generally thinly traded. In addition, there may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.10 Td (be transfer restrictions on private equity securities. ) Tj ET Q q 0 0 0 rg BT 240.75 94.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 82.10 Td (Company) Tj ET Q q 0 0 0 rg BT 77.67 82.10 Td (s process for determining the fair value of such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.10 Td (securities utilizes commonly accepted valuation techniques, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.10 Td (including comparables analysis. In determining the fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 46.10 Td (of nonpublic securities, the Company also considers events ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 742.10 Td (such as a proposed sale of the investee company) Tj ET Q q 0 0 0 rg BT 509.62 742.10 Td (, initial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 730.10 Td (public of) Tj ET Q q 0 0 0 rg BT 352.64 730.10 Td (ferings, equity issuances or other observable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 718.10 Td (transactions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 706.10 Td (Private equity securities are generally classified as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 694.10 Td (Level3 of the fair value hierarchy) Tj ET Q q 0 0 0 rg BT 452.95 694.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 682.10 Td (In addition, the Company holds investments in certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 670.10 Td (alternative investment funds that calculate NA) Tj ET Q q 0 0 0 rg BT 501.48 670.10 Td (V) Tj ET Q q 0 0 0 rg BT 508.52 670.10 Td ( per share, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 658.10 Td (including hedge funds, private equity funds and real estate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 646.10 Td (funds. Investments in funds are generally classified as non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 634.10 Td (marketable equity securities carried at fair value. ) Tj ET Q q 0 0 0 rg BT 514.50 634.10 Td (The fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 622.10 Td (values of these investments are estimated using the NA) Tj ET Q q 0 0 0 rg BT 536.77 622.10 Td (V) Tj ET Q q 0 0 0 rg BT 543.81 622.10 Td ( per ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 610.10 Td (share of the Company) Tj ET Q q 0 0 0 rg BT 407.81 610.10 Td (s ownership interest in the funds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 598.10 Td (where it is not probable that the investment will be realized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 586.10 Td (at a price other than the NA) Tj ET Q q 0 0 0 rg BT 426.78 586.10 Td (V) Tj ET Q q 0 0 0 rg BT 432.71 586.10 Td (. Consistent with the provisions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 327.28 574.10 Td (ASU No. 2015-07 these investments have not been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 562.10 Td (categorized within the fair value hierarchy and are not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 550.10 Td (included in the tables below) Tj ET Q q 0 0 0 rg BT 428.54 550.10 Td (. See Note 13 to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 538.10 Td (Consolidated Financial Statements for additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 526.10 Td (information.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 317.00 502.10 Td (Short-T) Tj ET Q q 0 0 0 rg BT 348.31 502.10 Td (erm Borrowings and Long-T) Tj ET Q q 0 0 0 rg BT 466.03 502.10 Td (erm Debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 490.10 Td (Where fair value accounting has been elected, the fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 478.10 Td (of non-structured liabilities is determined by utilizing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 466.10 Td (internal models using the appropriate discount rate for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 454.10 Td (applicable maturity) Tj ET Q q 0 0 0 rg BT 393.82 454.10 Td (. Such instruments are generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 442.10 Td (classified as Level2 of the fair value hierarchy when all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 430.10 Td (significant inputs are readily observable.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 418.10 Td (The Company determines the fair value of hybrid ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 406.10 Td (financial instruments, including structured liabilities, using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 394.10 Td (the appropriate derivative valuation methodology \(described ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 382.10 Td (above in T) Tj ET Q q 0 0 0 rg BT 363.85 382.10 Td (rading account assets and liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 370.10 Td (derivatives\) given the nature of the embedded risk profile. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 358.10 Td (Such instruments are classified as Level2 or Level3 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 346.10 Td (depending on the observability of significant inputs to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 334.10 Td (model.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 317.00 310.10 Td (Alt-A) Tj ET Q q 0 0 0 rg BT 338.67 310.10 Td ( Mortgage Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 298.10 Td (The Company classifies its ) Tj ET Q q 0 0 0 rg BT 426.99 298.10 Td (Alt-A) Tj ET Q q 0 0 0 rg BT 449.76 298.10 Td ( mortgage securities as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 286.10 Td (held-to-maturity) Tj ET Q q 0 0 0 rg BT 381.89 286.10 Td (, available-for) Tj ET Q q 0 0 0 rg BT 437.77 286.10 Td (-sale or trading investments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 274.10 Td (The securities classified as trading and available-for) Tj ET Q q 0 0 0 rg BT 525.05 274.10 Td (-sale are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 262.10 Td (recorded at fair value with changes in fair value reported in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 250.10 Td (current earnings and ) Tj ET Q q 0 0 0 rg BT 400.58 250.10 Td (AOCI, respectively) Tj ET Q q 0 0 0 rg BT 477.68 250.10 Td (. For these purposes, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 238.10 Td (Citi defines ) Tj ET Q q 0 0 0 rg BT 365.33 238.10 Td (Alt-A) Tj ET Q q 0 0 0 rg BT 388.11 238.10 Td ( mortgage securities as non-agency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 226.10 Td (residential mortgage-backed securities \(RMBS\) where \(i\)the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 214.10 Td (underlying collateral has weighted average FICO scores ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 202.10 Td (between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.82 202.10 Td (680) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.82 202.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.25 202.10 Td (720) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.25 202.10 Td ( or \(ii\)for instances where FICO scores ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 190.10 Td (are greater than 720, RMBS have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.35 190.10 Td (30%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.68 190.10 Td ( or less of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 178.10 Td (underlying collateral composed of full documentation loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 166.10 Td (Similar to the valuation methodologies used for other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 154.10 Td (trading securities and trading loans, the Company generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 142.10 Td (determines the fair values of ) Tj ET Q q 0 0 0 rg BT 432.79 142.10 Td (Alt-A) Tj ET Q q 0 0 0 rg BT 455.57 142.10 Td ( mortgage securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 130.10 Td (utilizing internal valuation techniques. Fair value estimates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 118.10 Td (from internal valuation techniques are verified, where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 106.10 Td (possible, to prices obtained from independent vendors. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 94.10 Td (Consensus data providers compile prices from various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 82.10 Td (sources. ) Tj ET Q q 0 0 0 rg BT 351.81 82.10 Td (Where available, the Company may also make use ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 70.10 Td (of quoted prices for recent trading activity in securities with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 58.10 Td (the same or similar characteristics to the security being ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 46.10 Td (valued.) Tj ET Q endstream endobj 519 0 obj <> endobj 520 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (257) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 742.10 Td (The valuation techniques used for ) Tj ET Q q 0 0 0 rg BT 191.46 742.10 Td (Alt-A) Tj ET Q q 0 0 0 rg BT 214.24 742.10 Td ( mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (securities, as with other mortgage exposures, are price-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (and yield analysis. ) Tj ET Q q 0 0 0 rg BT 112.47 718.10 Td (The primary market-derived input is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (yield. Cash flows are based on current collateral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (performance with prepayment rates and loss projections ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (reflective of current economic conditions of housing price ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (change, unemployment rates, interest rates, borrower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.10 Td (attributes and other market indicators.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 646.10 Td (Alt-A) Tj ET Q q 0 0 0 rg BT 76.78 646.10 Td ( mortgage securities that are valued using these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.10 Td (methods are generally classified as Level2. However) Tj ET Q q 0 0 0 rg BT 249.40 634.10 Td (, ) Tj ET Q q 0 0 0 rg BT 253.85 634.10 Td (Alt-A) Tj ET Q q 0 0 0 rg BT 276.63 634.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (mortgage securities backed by ) Tj ET Q q 0 0 0 rg BT 159.29 622.10 Td (Alt-A) Tj ET Q q 0 0 0 rg BT 182.07 622.10 Td ( mortgages of lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 Td (quality or subordinated tranches in the capital structure are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (mostly classified as Level3 due to the reduced liquidity that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (exists for such positions, which reduces the reliability of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 Td (prices available from independent sources.) Tj ET Q endstream endobj 521 0 obj <> endobj 522 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (258) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Items Measur) Tj ET Q q 0 0 0 rg BT 94.97 749.25 Td (ed at Fair) Tj ET Q q 0 0 0 rg BT 136.44 749.25 Td ( ) Tj ET Q q 0 0 0 rg BT 138.76 749.25 Td (V) Tj ET Q q 0 0 0 rg BT 145.07 749.25 Td (alue on a Recurring Basis) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (The following tables present for each of the fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (hierarchy levels the Company) Tj ET Q q 0 0 0 rg BT 158.46 725.25 Td (s assets and liabilities that are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (measured at fair value on a recurring basis at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.87 713.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 701.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.44 701.25 Td (December31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.02 701.25 Td (. ) Tj ET Q q 0 0 0 rg BT 158.84 701.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 218.55 701.25 Td (s hedging of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (positions that have been classified in the Level3 category is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (not limited to other financial instruments \(hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (instruments\) that have been classified as Level3, but also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (instruments classified as Level1 or Level2 of the fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (hierarchy) Tj ET Q q 0 0 0 rg BT 361.10 725.10 Td (. ) Tj ET Q q 0 0 0 rg BT 365.92 725.10 Td (The ef) Tj ET Q q 0 0 0 rg BT 391.56 725.10 Td (fects of these hedges are presented gross in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (the following tables:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (Fair) Tj ET Q q 0 0 0 rg BT 54.14 653.25 Td ( ) Tj ET Q q 0 0 0 rg BT 56.46 653.25 Td (V) Tj ET Q q 0 0 0 rg BT 62.77 653.25 Td (alue Levels) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 619.75 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 619.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 619.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 619.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 619.75 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 619.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 619.75 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 582.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 582.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 582.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 582.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 582.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 582.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 582.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 556.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 556.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 556.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 556.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 556.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 556.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 556.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 530.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 530.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 530.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 530.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 530.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 530.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 530.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 504.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 504.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 504.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 504.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 504.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 504.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 504.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 478.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 478.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 478.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 478.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 478.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 478.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 478.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 452.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 452.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 452.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 452.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 452.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 452.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 452.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 426.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 426.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 426.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 426.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 426.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 426.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 426.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 400.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 400.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 400.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 400.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 400.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 400.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 400.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 374.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 374.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 374.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 374.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 374.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 374.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 374.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 348.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 348.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 348.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 348.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 348.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 348.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 348.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 322.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 322.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 322.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 322.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 322.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 322.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 322.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 296.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 296.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 296.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 296.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 296.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 296.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 296.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 270.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 270.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 270.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 270.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 270.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 270.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 270.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 244.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 244.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 244.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 244.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 244.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 244.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 244.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 218.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 218.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 218.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 218.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 218.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 218.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 218.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 192.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 192.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 192.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 192.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 192.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 192.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 192.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 166.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 166.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 166.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 166.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 166.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 166.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 166.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 140.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 140.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 140.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 140.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 140.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 140.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 140.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 114.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 114.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 114.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 114.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 114.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 114.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 114.75 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 88.75 252.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 88.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 88.75 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 88.75 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 88.75 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 88.75 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 88.75 44.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 619.75 m 288.5 619.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 619.75 m 338.5 619.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 619.75 m 392.5 619.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 619.75 m 435.5 619.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 619.75 m 487.5 619.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 619.75 m 532.5 619.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 619.75 m 576.5 619.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 517.75 m 576.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 517.75 m 288.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 504.75 m 288.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 517.75 m 338.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 504.75 m 338.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 517.75 m 392.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 504.75 m 392.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 517.75 m 435.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 504.75 m 435.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 517.75 m 487.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 504.75 m 487.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 517.75 m 532.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 504.75 m 532.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 517.75 m 576.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 504.75 m 576.5 504.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 413.75 m 288.5 413.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 400.75 m 288.5 400.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 413.75 m 338.5 413.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 400.75 m 338.5 400.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 413.75 m 392.5 413.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 400.75 m 392.5 400.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 413.75 m 435.5 413.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 400.75 m 435.5 400.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 413.75 m 487.5 413.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 400.75 m 487.5 400.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 413.75 m 532.5 413.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 400.75 m 532.5 400.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 413.75 m 576.5 413.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 400.75 m 576.5 400.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 322.75 m 288.5 322.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 309.75 m 288.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 322.75 m 338.5 322.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 309.75 m 338.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 322.75 m 392.5 322.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 309.75 m 392.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 322.75 m 435.5 322.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 309.75 m 435.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 322.75 m 487.5 322.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 309.75 m 487.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 309.75 m 338.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 309.75 m 392.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 309.75 m 435.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 309.75 m 487.5 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 270.75 m 288.5 270.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 257.75 m 288.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 270.75 m 338.5 270.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 257.75 m 338.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 270.75 m 392.5 270.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 257.75 m 392.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 270.75 m 435.5 270.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 257.75 m 435.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 270.75 m 487.5 270.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 257.75 m 487.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 270.75 m 532.5 270.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 257.75 m 532.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 270.75 m 576.5 270.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 257.75 m 576.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 192.75 m 288.5 192.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 179.75 m 288.5 179.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 192.75 m 338.5 192.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 179.75 m 338.5 179.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 192.75 m 392.5 192.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 179.75 m 392.5 179.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 192.75 m 435.5 192.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 179.75 m 435.5 179.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 192.75 m 487.5 192.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 179.75 m 487.5 179.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 192.75 m 532.5 192.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 179.75 m 532.5 179.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 192.75 m 576.5 192.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 179.75 m 576.5 179.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 75.75 m 288.5 75.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 62.75 m 288.5 62.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 75.75 m 338.5 75.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 62.75 m 338.5 62.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 75.75 m 392.5 75.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 62.75 m 392.5 62.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 75.75 m 435.5 75.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 62.75 m 435.5 62.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 75.75 m 487.5 75.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 62.75 m 487.5 62.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 75.75 m 532.5 75.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 62.75 m 532.5 62.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 75.75 m 576.5 75.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 62.75 m 576.5 62.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 624.00 Td (In millions of dollars at December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.70 624.20 Td (Level1) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 323.44 628.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.70 624.20 Td (Level2) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 375.44 628.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.60 624.20 Td (Level3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.80 633.20 Td (Gross) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.50 624.20 Td (inventory) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.80 624.20 Td (Netting) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 520.29 628.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 633.20 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.20 624.20 Td (balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 610.20 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.00 610.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.00 610.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 610.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.00 610.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.00 610.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 610.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 596.20 Td (Federal funds sold and securities borrowed or purchased under) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 587.20 Td (agreements to resell) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 587.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 587.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 587.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.75 587.20 Td (177,538) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 587.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 587.20 Td (1,337) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 587.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 587.20 Td (178,875) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 587.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.25 587.20 Td (\(40,911) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 587.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 587.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 587.20 Td (137,964) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 574.15 Td (Trading non-derivative assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 561.15 Td (Trading mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 548.01 Td (U.S. government-sponsored agency guaranteed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 548.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 548.15 Td (24,023) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 548.15 Td (744) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 548.15 Td (24,767) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 548.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 548.15 Td (24,767) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 535.01 Td (Residential) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 535.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.75 535.15 Td (1,059) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 535.15 Td (1,326) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.75 535.15 Td (2,385) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 535.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 535.15 Td (2,385) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 522.01 Td (Commercial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 522.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.75 522.15 Td (2,338) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 522.15 Td (517) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.75 522.15 Td (2,855) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 522.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 522.15 Td (2,855) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 509.15 Td (Total trading mortgage-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 509.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 509.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 509.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 509.15 Td (27,420) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 509.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 509.15 Td (2,587) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 509.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 509.15 Td (30,007) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 509.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 509.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 509.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 509.15 Td (30,007) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 496.15 Td (U.S. Treasury and federal agency securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 496.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.25 496.15 Td (14,208) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 496.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.75 496.15 Td (3,587) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 496.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.50 496.15 Td (1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 496.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 496.15 Td (17,796) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 496.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 496.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 496.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 496.15 Td (17,796) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 483.15 Td (State and municipal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 483.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.75 483.15 Td (2,345) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 483.15 Td (351) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.75 483.15 Td (2,696) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 483.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 483.15 Td (2,696) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 470.15 Td (Foreign government) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.25 470.15 Td (35,715) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 470.15 Td (20,697) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 470.15 Td (197) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 470.15 Td (56,609) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 470.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 470.15 Td (56,609) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 457.15 Td (Corporate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.50 457.15 Td (302) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 457.15 Td (13,759) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 457.15 Td (376) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 457.15 Td (14,437) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 457.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 457.15 Td (14,437) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 444.15 Td (Equity securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.25 444.15 Td (50,429) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.75 444.15 Td (2,382) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 444.15 Td (3,684) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 444.15 Td (56,495) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 444.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 444.15 Td (56,495) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 431.15 Td (Asset-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 431.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.75 431.15 Td (1,217) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 431.15 Td (2,739) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.75 431.15 Td (3,956) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 431.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 431.15 Td (3,956) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 418.15 Td (Other trading assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 418.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.75 418.15 Td (9,293) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 418.15 Td (2,483) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 418.15 Td (11,776) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 418.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 418.15 Td (11,776) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 405.15 Td (Total trading non-derivative assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 405.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.75 405.15 Td (100,654) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 405.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 405.15 Td (80,700) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 405.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.25 405.15 Td (12,418) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 405.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 405.15 Td (193,772) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 405.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 405.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 405.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 405.15 Td (193,772) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 392.15 Td (Trading derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.00 392.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.00 392.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 392.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.00 392.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 379.01 Td (Interest rate contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 379.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.50 379.15 Td (9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 379.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.75 379.15 Td (412,802) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 379.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 379.15 Td (2,083) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 379.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 379.15 Td (414,894) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 366.01 Td (Foreign exchange contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.50 366.15 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.75 366.15 Td (128,189) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 366.15 Td (1,123) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 366.15 Td (129,317) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 353.01 Td (Equity contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.75 353.15 Td (2,422) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 353.15 Td (17,866) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 353.15 Td (1,597) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 353.15 Td (21,885) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 340.01 Td (Commodity contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.50 340.15 Td (204) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 340.15 Td (16,706) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 340.15 Td (1,100) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 340.15 Td (18,010) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 327.01 Td (Credit derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 327.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 327.15 Td (31,082) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 327.15 Td (3,793) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 327.15 Td (34,875) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 314.15 Td (Total trading derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 314.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.75 314.15 Td (2,640) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 314.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.75 314.15 Td (606,645) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 314.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 314.15 Td (9,696) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 314.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 314.15 Td (618,981) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 301.15 Td (Cash collateral paid) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 122.00 305.23 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 301.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.75 301.15 Td (4,911) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 288.15 Td (Netting agreements) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 288.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 288.15 Td (\(524,481) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 288.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 275.15 Td (Netting of cash collateral received) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.25 275.15 Td (\(43,227) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 275.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 262.15 Td (Total trading derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 262.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.75 262.15 Td (2,640) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 262.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.75 262.15 Td (606,645) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 262.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 262.15 Td (9,696) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 262.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 262.15 Td (623,892) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 262.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 262.15 Td (\(567,708) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 262.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 262.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 262.15 Td (56,184) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 249.15 Td (Investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 236.15 Td (Mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 223.01 Td (U.S. government-sponsored agency guaranteed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 223.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 223.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 223.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 223.15 Td (39,575) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 223.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 223.15 Td (139) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 223.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 223.15 Td (39,714) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 223.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 223.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 223.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 223.15 Td (39,714) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 210.01 Td (Residential) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 210.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.75 210.15 Td (5,982) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.50 210.15 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.75 210.15 Td (5,986) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 210.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 210.15 Td (5,986) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 197.01 Td (Commercial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 197.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.50 197.15 Td (569) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.50 197.15 Td (2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.50 197.15 Td (571) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 197.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.50 197.15 Td (571) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 184.15 Td (Total investment mortgage-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 184.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 184.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 184.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 184.15 Td (46,126) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 184.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 184.15 Td (145) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 184.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 184.15 Td (46,271) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 184.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 184.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 184.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 184.15 Td (46,271) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 171.15 Td (U.S. Treasury and federal agency securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 171.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.75 171.15 Td (111,536) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 171.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 171.15 Td (11,375) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 171.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.50 171.15 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 171.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.75 171.15 Td (122,915) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 171.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 171.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 171.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 171.15 Td (122,915) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 158.15 Td (State and municipal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 158.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.75 158.15 Td (9,267) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 158.15 Td (2,192) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 158.15 Td (11,459) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 158.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 158.15 Td (11,459) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 145.15 Td (Foreign government) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 310.25 145.15 Td (42,073) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 145.15 Td (49,868) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 145.15 Td (260) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 145.15 Td (92,201) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 145.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 145.15 Td (92,201) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 132.15 Td (Corporate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.75 132.15 Td (3,605) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 132.15 Td (11,595) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 132.15 Td (603) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 132.15 Td (15,803) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 132.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 132.15 Td (15,803) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 119.15 Td (Equity securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.50 119.15 Td (430) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.00 119.15 Td (71) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 119.15 Td (124) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.50 119.15 Td (625) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 119.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.50 119.15 Td (625) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 106.15 Td (Asset-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 106.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.75 106.15 Td (8,578) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 106.15 Td (596) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.75 106.15 Td (9,174) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 106.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 106.15 Td (9,174) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 93.15 Td (Other debt securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 93.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 375.50 93.15 Td (688) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.00 93.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.50 93.15 Td (688) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 93.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 559.50 93.15 Td (688) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 80.15 Td (Non-marketable equity securities) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 172.48 84.23 Td (\(4\)) Tj ET Q BT 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0.9333333333333333 1 rg /GS0 gs 487.50 481.50 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 481.50 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 453.50 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 453.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 453.50 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 453.50 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 453.50 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 453.50 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 453.50 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 425.50 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 425.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 425.50 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 425.50 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 425.50 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 425.50 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 425.50 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 397.50 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 397.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 397.50 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 397.50 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 397.50 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 397.50 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 397.50 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 369.50 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 369.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 369.50 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 369.50 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 369.50 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 369.50 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 369.50 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 341.50 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 341.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 341.50 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 341.50 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 341.50 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 341.50 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 341.50 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 313.50 252.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 313.50 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 313.50 54.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 313.50 43.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 313.50 52.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 313.50 45.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 313.50 44.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 276.50 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 276.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 276.50 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 276.50 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 276.50 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 276.50 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 276.50 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 239.50 252.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 239.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 239.50 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 239.50 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 239.50 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 239.50 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 239.50 44.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 732.5 m 288.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 732.5 m 338.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 732.5 m 392.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 732.5 m 435.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 732.5 m 487.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 732.5 m 532.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 732.5 m 576.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 704.5 m 288.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 704.5 m 338.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 704.5 m 392.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 704.5 m 435.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 704.5 m 487.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 704.5 m 532.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 704.5 m 576.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 704.5 m 487.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 653.5 m 288.5 653.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 653.5 m 338.5 653.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 653.5 m 392.5 653.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 653.5 m 435.5 653.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 653.5 m 487.5 653.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 653.5 m 532.5 653.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 653.5 m 576.5 653.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 630.5 m 288.5 630.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 630.5 m 338.5 630.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 630.5 m 392.5 630.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 616.5 m 392.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 630.5 m 435.5 630.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 616.5 m 435.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 630.5 m 487.5 630.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 630.5 m 532.5 630.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 630.5 m 576.5 630.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 616.5 m 288.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 602.5 m 288.5 602.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 616.5 m 338.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 602.5 m 338.5 602.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 616.5 m 392.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 602.5 m 392.5 602.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 616.5 m 435.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 602.5 m 435.5 602.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 616.5 m 487.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 602.5 m 487.5 602.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 616.5 m 532.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 602.5 m 532.5 602.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 616.5 m 576.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 602.5 m 576.5 602.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 509.5 m 288.5 509.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 495.5 m 288.5 495.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 509.5 m 338.5 509.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 495.5 m 338.5 495.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 509.5 m 392.5 509.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 495.5 m 392.5 495.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 509.5 m 435.5 509.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 495.5 m 435.5 495.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 509.5 m 487.5 509.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 495.5 m 487.5 495.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 509.5 m 532.5 509.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 495.5 m 532.5 495.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 509.5 m 576.5 509.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 495.5 m 576.5 495.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 411.5 m 288.5 411.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 397.5 m 288.5 397.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 411.5 m 338.5 411.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 397.5 m 338.5 397.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 411.5 m 392.5 411.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 397.5 m 392.5 397.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 411.5 m 435.5 411.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 397.5 m 435.5 397.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 411.5 m 487.5 411.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 397.5 m 487.5 397.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 397.5 m 338.5 397.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 397.5 m 392.5 397.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 397.5 m 435.5 397.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 397.5 m 487.5 397.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 355.5 m 288.5 355.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 341.5 m 288.5 341.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 355.5 m 338.5 355.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 341.5 m 338.5 341.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 355.5 m 392.5 355.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 341.5 m 392.5 341.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 355.5 m 435.5 355.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 341.5 m 435.5 341.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 355.5 m 487.5 355.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 341.5 m 487.5 341.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 355.5 m 532.5 355.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 341.5 m 532.5 341.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 355.5 m 576.5 355.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 341.5 m 576.5 341.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 313.5 m 288.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 313.5 m 338.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 313.5 m 392.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 313.5 m 435.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 313.5 m 487.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 313.5 m 532.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 313.5 m 576.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 262.5 m 532.5 262.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 262.5 m 288.5 262.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 239.5 m 288.5 239.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 262.5 m 338.5 262.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 239.5 m 338.5 239.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 262.5 m 392.5 262.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 239.5 m 392.5 239.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 262.5 m 435.5 262.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 239.5 m 435.5 239.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 262.5 m 487.5 262.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 239.5 m 487.5 239.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 262.5 m 532.5 262.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 239.5 m 532.5 239.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 262.5 m 576.5 262.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 239.5 m 576.5 239.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 225.5 m 288.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 225.5 m 338.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 225.5 m 392.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 225.5 m 435.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 225.5 m 487.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 225.5 m 532.5 225.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 225.5 m 576.5 225.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 211.5 m 288.5 211.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 211.5 m 338.5 211.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 211.5 m 392.5 211.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 211.5 m 435.5 211.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 211.5 m 487.5 211.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 211.5 m 532.5 211.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 211.5 m 576.5 211.5 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 736.75 Td (In millions of dollars at December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.70 736.95 Td (Level1) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 323.44 741.03 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.70 736.95 Td (Level2) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 375.44 741.03 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.60 736.95 Td (Level3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.80 745.95 Td (Gross) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.50 736.95 Td (inventory) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.80 736.95 Td (Netting) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 520.29 741.03 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 547.25 745.95 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.20 736.95 Td (balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 722.95 Td (Loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 62.51 727.03 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 722.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 722.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 722.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.75 722.95 Td (2,839) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 722.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.75 722.95 Td (2,166) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 722.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 722.95 Td (5,005) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 722.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 722.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 722.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 722.95 Td (5,005) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 708.95 Td (Mortgage servicing rights) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 708.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.00 708.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.75 708.95 Td (1,781) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 708.95 Td (1,781) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 708.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 708.95 Td (1,781) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 694.95 Td (Non-trading derivatives and other financial assets measured on) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 685.95 Td (a recurring basis, gross) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 685.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 685.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 685.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.75 685.95 Td (7,882) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 685.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 685.95 Td (180) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 685.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 685.95 Td (8,062) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 671.95 Td (Cash collateral paid) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 116.00 676.03 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.50 671.95 Td (8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 657.95 Td (Netting of cash collateral received) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 657.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.75 657.95 Td (\(1,949) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 657.95 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 643.95 Td (Non-trading derivatives and other financial assets measured on) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 634.95 Td (a recurring basis) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 634.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 634.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 634.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.75 634.95 Td (7,882) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 634.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 634.95 Td (180) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 634.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 634.95 Td (8,070) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 634.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 505.75 634.95 Td (\(1,949) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 634.95 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 634.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 634.95 Td (6,121) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 620.95 Td (Total assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 620.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 620.95 Td (260,938) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 620.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.00 620.95 Td (1,013,230) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 620.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.25 620.95 Td (32,637) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 620.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.00 620.95 Td (1,311,724) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 620.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 620.95 Td (\(610,568) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 620.95 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 620.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 620.95 Td (701,156) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 606.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 606.95 Td (otal as a per) Tj ET Q q 0 0 0 rg BT 90.76 606.95 Td (centage of gr) Tj ET Q q 0 0 0 rg BT 140.07 606.95 Td (oss assets) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 175.83 611.03 Td (\(7\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.25 606.95 Td (20.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 606.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.25 606.95 Td (77.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 606.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.75 606.95 Td (2.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 606.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 606.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 606.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 592.95 Td (Liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 578.95 Td (Interest-bearing deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 578.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 578.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 578.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.75 578.95 Td (1,156) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 578.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 578.95 Td (434) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 578.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 578.95 Td (1,590) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 578.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 578.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 578.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 578.95 Td (1,590) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 564.95 Td (Federal funds purchased and securities loaned or sold under) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 555.95 Td (agreements to repurchase) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 555.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.25 555.95 Td (76,507) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.75 555.95 Td (1,247) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 555.95 Td (77,754) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.25 555.95 Td (\(40,911) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 555.95 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 555.95 Td (36,843) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 541.95 Td (Trading account liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 527.95 Td (Securities sold, not yet purchased) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 527.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 527.95 Td (48,452) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 527.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.75 527.95 Td (9,176) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 527.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 527.95 Td (199) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 527.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 527.95 Td (57,827) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 527.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 527.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 527.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 527.95 Td (57,827) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 513.95 Td (Other trading liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 513.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.75 513.95 Td (2,093) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.00 513.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 513.95 Td (2,093) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 513.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 513.95 Td (2,093) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 499.95 Td (Total trading liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 499.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 499.95 Td (48,452) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 499.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.25 499.95 Td (11,269) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 499.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 499.95 Td (199) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 499.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 499.95 Td (59,920) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 499.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 499.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 499.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 499.95 Td (59,920) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 485.95 Td (Trading derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 471.96 Td (Interest rate contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 471.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.50 471.95 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 471.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 471.95 Td (393,321) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 471.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.75 471.95 Td (2,578) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 471.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 471.95 Td (395,904) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 457.96 Td (Foreign exchange contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.50 457.95 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 457.95 Td (133,404) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.50 457.95 Td (503) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 457.95 Td (133,913) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 443.96 Td (Equity contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 443.95 Td (2,244) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.25 443.95 Td (21,875) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.75 443.95 Td (2,397) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 443.95 Td (26,516) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 429.96 Td (Commodity contracts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 429.95 Td (263) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.25 429.95 Td (17,329) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.75 429.95 Td (2,961) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 429.95 Td (20,553) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 51.00 415.96 Td (Credit derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 415.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.25 415.95 Td (30,682) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.75 415.95 Td (3,486) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 415.95 Td (34,168) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 401.95 Td (Total trading derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 401.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 401.95 Td (2,518) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 401.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 401.95 Td (596,611) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 401.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.25 401.95 Td (11,925) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 401.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 401.95 Td (611,054) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 387.95 Td (Cash collateral r) Tj ET Q q 0 0 0 rg BT 108.82 387.95 Td (eceived) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 136.81 392.03 Td (\(8\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 387.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 387.95 Td (13,628) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 373.95 Td (Netting agreements) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 373.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 373.95 Td (\(524,481) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 373.95 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 359.95 Td (Netting of cash collateral paid) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.25 359.95 Td (\(42,609) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 359.95 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 345.95 Td (Total trading derivatives) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 345.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 345.95 Td (2,518) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 345.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 345.95 Td (596,611) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 345.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.25 345.95 Td (11,925) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 345.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 345.95 Td (624,682) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 345.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 345.95 Td (\(567,090) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 345.95 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 345.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 345.95 Td (57,592) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 331.95 Td (Short-term borrowings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 331.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 331.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 331.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.75 331.95 Td (1,198) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 331.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.50 331.95 Td (9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 331.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 331.95 Td (1,207) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 331.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 331.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 331.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 331.95 Td (1,207) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 317.95 Td (Long-term debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 317.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.25 317.95 Td (18,342) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.75 317.95 Td (6,951) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.25 317.95 Td (25,293) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 317.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 317.95 Td (25,293) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 303.95 Td (Non-trading derivatives and other financial liabilities measured) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 294.95 Td (on a recurring basis, gross) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 294.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 294.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 294.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.75 294.95 Td (1,626) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 294.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.00 294.95 Td (14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 294.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 294.95 Td (1,640) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 280.95 Td (Cash collateral r) Tj ET Q q 0 0 0 rg BT 102.82 280.95 Td (eceived) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 130.81 285.03 Td (\(9\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.00 280.95 Td (37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 266.95 Td (Netting of cash collateral paid) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 266.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 266.95 Td (\(53) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 266.95 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 252.95 Td (Total non-trading derivatives and other financial liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 243.95 Td (measured on a recurring basis) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 243.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 243.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 243.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.75 243.95 Td (1,626) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 243.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.00 243.95 Td (14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 243.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 243.95 Td (1,677) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 243.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 243.95 Td (\(53) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 243.95 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 243.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 243.95 Td (1,624) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 229.95 Td (Total liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 229.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 229.95 Td (50,970) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.00 229.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.75 229.95 Td (706,709) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 229.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.25 229.95 Td (20,779) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 229.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.75 229.95 Td (792,123) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.00 229.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.75 229.95 Td (\(608,054) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.00 229.95 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.00 229.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 229.95 Td (184,069) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 215.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 215.95 Td (otal as a per) Tj ET Q q 0 0 0 rg BT 90.76 215.95 Td (centage of gr) Tj ET Q q 0 0 0 rg BT 140.07 215.95 Td (oss liabilities) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 188.83 220.03 Td (\(7\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.75 215.95 Td (6.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 215.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.25 215.95 Td (90.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.00 215.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.75 215.95 Td (2.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 215.95 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 192.80 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 192.80 Td (In 2015, the Company transferred assets of approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 241.73 192.80 Td ($3.3 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.62 192.80 Td ( from Level 1 to Level 2, respectively) Tj ET Q q 0 0 0 rg BT 398.94 192.80 Td (, primarily related to foreign government securities and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 183.20 Td (equity securities not traded in active markets. In 2015, the Company transferred assets of approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 388.79 183.20 Td ($4.4 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.68 183.20 Td ( from Level 2 to Level 1, respectively) Tj ET Q q 0 0 0 rg BT 546.00 183.20 Td (, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 173.60 Td (primarily related to foreign government bonds and equity securities traded with suf) Tj ET Q q 0 0 0 rg BT 319.78 173.60 Td (ficient frequency to constitute a liquid market. In 2015, the Company ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 164.00 Td (transferred liabilities of approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 179.29 164.00 Td ($0.6 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.18 164.00 Td ( from Level 2 to Level 1. In 2015, the Company transferred liabilities of approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.21 164.00 Td ($0.4 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.10 164.00 Td ( from Level ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 154.40 Td (1 to Level 2.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 144.80 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 144.80 Td (Represents netting of: \(i\)the amounts due under securities purchased under agreements to resell and the amounts owed under securities sold under agreements to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 135.20 Td (repurchase; and \(ii\)derivative exposures covered by a qualifying master netting agreement and cash collateral of) Tj ET Q q 0 0 0 rg BT 414.82 135.20 Td (fsetting.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 125.60 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 125.60 Td (Reflects the net amount of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 140.42 125.60 Td ($47,520 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 191.53 125.60 Td ( of gross cash collateral paid, of which ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.05 125.60 Td ($42,609 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 368.16 125.60 Td ( was used to of) Tj ET Q q 0 0 0 rg BT 416.01 125.60 Td (fset trading derivative liabilities.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 116.00 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 116.00 Td (Amounts exclude ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 112.21 116.00 Td ($0.9 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.10 116.00 Td ( investments measured at Net ) Tj ET Q q 0 0 0 rg BT 244.86 116.00 Td (Asset ) Tj ET Q q 0 0 0 rg BT 264.49 116.00 Td (V) Tj ET Q q 0 0 0 rg BT 269.38 116.00 Td (alue \(NA) Tj ET Q q 0 0 0 rg BT 297.89 116.00 Td (V\) in accordance with ) Tj ET Q q 0 0 0 rg BT 370.30 116.00 Td (ASU No. 2015-07, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 432.75 116.00 Td (Fair V) Tj ET Q q 0 0 0 rg BT 452.97 116.00 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 492.89 116.00 Td (ement \(T) Tj ET Q q 0 0 0 rg BT 520.37 116.00 Td (opic 820\): ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 106.40 Td (Disclosur) Tj ET Q q 0 0 0 rg BT 84.82 106.40 Td (es for Investments in Certain Entities That Calculate Net ) Tj ET Q q 0 0 0 rg BT 268.43 106.40 Td (Asset V) Tj ET Q q 0 0 0 rg BT 291.32 106.40 Td (alue per Shar) Tj ET Q q 0 0 0 rg BT 334.57 106.40 Td (e \(or Its Equivalent\). ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 403.22 106.40 Td (See Note 1 to the Consolidated Financial Statements.) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 573.41 106.40 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 96.80 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 96.80 Td (There is no allowance for loan losses recorded for loans reported at fair value.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 87.20 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 87.20 Td (Reflects the net amount of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 140.42 87.20 Td ($61 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 177.53 87.20 Td ( of gross cash collateral paid, of which $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 307.05 87.20 Td (53 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 340.16 87.20 Td ( was used to of) Tj ET Q q 0 0 0 rg BT 388.01 87.20 Td (fset non-trading derivative liabilities. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 77.60 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 77.60 Td (Because the amount of the cash collateral paid/received has not been allocated to the Level 1, 2 and 3 subtotals, these percentages are calculated based on total ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 68.00 Td (assets and liabilities measured at fair value on a recurring basis, excluding the cash collateral paid/received on derivatives.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 58.40 Td (\(8\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 58.40 Td (Reflects the net amount of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 140.42 58.40 Td ($56,855 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 191.53 58.40 Td ( of gross cash collateral received, of which ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.36 58.40 Td ($43,227 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 381.48 58.40 Td (was used to of) Tj ET Q q 0 0 0 rg BT 429.32 58.40 Td (fset trading derivative assets.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 48.80 Td (\(9\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 48.80 Td (Reflects the net amount of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 140.42 48.80 Td ($1,986 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 187.53 48.80 Td ( of gross cash collateral received, of which ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.36 48.80 Td ($1,949 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 373.48 48.80 Td ( was used to of) Tj ET Q q 0 0 0 rg BT 421.32 48.80 Td (fset non-trading derivative assets.) Tj ET Q endstream endobj 525 0 obj <> endobj 526 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (260) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Fair) Tj ET Q q 0 0 0 rg BT 54.14 749.25 Td ( ) Tj ET Q q 0 0 0 rg BT 56.46 749.25 Td (V) Tj ET Q q 0 0 0 rg BT 62.77 749.25 Td (alue Levels) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 715.75 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 715.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 715.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 715.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 715.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 715.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 715.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 678.75 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 678.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 678.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 678.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 678.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 678.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 678.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 650.75 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 650.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 650.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 650.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 650.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 650.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 650.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 622.75 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 622.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 622.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 622.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 622.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 622.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 622.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 594.75 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 594.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 594.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 594.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 594.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 594.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 594.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 566.75 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 566.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 566.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 566.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 566.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 566.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 566.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 538.75 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 538.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 538.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 538.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 538.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 538.75 48.00 -14.00 re f /GS0 gs 0.8 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0.9333333333333333 1 rg /GS0 gs 396.50 370.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 370.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 370.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 370.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 342.75 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 342.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 342.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 342.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 342.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 342.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 342.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 314.75 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 314.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 314.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 314.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 314.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 314.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 314.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 286.75 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 286.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 286.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 286.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 286.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 286.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 286.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 258.75 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 258.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 258.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 258.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 258.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 258.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 258.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 230.75 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 230.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 230.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 230.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 230.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 230.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 230.75 39.00 -14.00 re f /GS0 gs 0.8 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0.9333333333333333 1 rg /GS0 gs 537.50 174.75 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 146.75 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 146.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 146.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 146.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 146.75 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 146.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 146.75 39.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 715.75 m 297.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 715.75 m 346.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 715.75 m 396.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 715.75 m 438.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 715.75 m 489.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 715.75 m 537.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 715.75 m 576.5 715.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 608.75 m 297.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 594.75 m 297.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 608.75 m 346.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 594.75 m 346.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 608.75 m 396.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 594.75 m 396.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 608.75 m 438.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 594.75 m 438.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 608.75 m 489.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 594.75 m 489.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 608.75 m 537.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 594.75 m 537.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 608.75 m 576.5 608.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 594.75 m 576.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 496.75 m 297.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 482.75 m 297.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 496.75 m 346.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 482.75 m 346.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 496.75 m 396.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 482.75 m 396.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 496.75 m 438.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 482.75 m 438.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 496.75 m 489.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 482.75 m 489.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 496.75 m 537.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 482.75 m 537.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 496.75 m 576.5 496.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 482.75 m 576.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 398.75 m 297.5 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 384.75 m 297.5 384.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 398.75 m 346.5 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 384.75 m 346.5 384.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 398.75 m 396.5 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 384.75 m 396.5 384.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 398.75 m 438.5 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 384.75 m 438.5 384.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 398.75 m 489.5 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 384.75 m 489.5 384.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 384.75 m 346.5 384.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 384.75 m 396.5 384.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 384.75 m 438.5 384.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 384.75 m 489.5 384.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 342.75 m 297.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 328.75 m 297.5 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 342.75 m 346.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 328.75 m 346.5 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 342.75 m 396.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 328.75 m 396.5 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 342.75 m 438.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 328.75 m 438.5 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 342.75 m 489.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 328.75 m 489.5 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 342.75 m 537.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 328.75 m 537.5 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 342.75 m 576.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 328.75 m 576.5 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 258.75 m 297.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 244.75 m 297.5 244.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 258.75 m 346.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 244.75 m 346.5 244.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 258.75 m 396.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 244.75 m 396.5 244.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 258.75 m 438.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 244.75 m 438.5 244.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 258.75 m 489.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 244.75 m 489.5 244.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 258.75 m 537.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 244.75 m 537.5 244.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 258.75 m 576.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 244.75 m 576.5 244.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 132.75 m 297.5 132.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 118.75 m 297.5 118.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 132.75 m 346.5 132.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 118.75 m 346.5 118.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 132.75 m 396.5 132.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 118.75 m 396.5 118.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 132.75 m 438.5 132.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 118.75 m 438.5 118.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 132.75 m 489.5 132.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 118.75 m 489.5 118.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 132.75 m 537.5 132.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 118.75 m 537.5 118.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 132.75 m 576.5 132.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 118.75 m 576.5 118.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 720.00 Td (In millions of dollars at December 31, 2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.20 720.20 Td (Level 1) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 331.94 724.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.70 720.20 Td (Level 2) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 381.44 724.28 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.10 720.20 Td (Level 3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.30 729.20 Td (Gross) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 720.20 Td (inventory) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.30 720.20 Td (Netting) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 523.79 724.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.75 729.20 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 541.70 720.20 Td (balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 706.20 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 706.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 706.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 706.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 706.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 706.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 706.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 692.20 Td (Federal funds sold and securities borrowed or purchased under) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 683.20 Td (agreements to resell) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 683.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 683.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 683.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 683.21 Td (187,922) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 683.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 683.21 Td (3,398) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 683.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 683.21 Td (191,320) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 683.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.25 683.21 Td (\(47,129) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 683.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 683.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 683.21 Td (144,191) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 669.20 Td (Trading non-derivative assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 655.20 Td (Trading mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 641.21 Td (U.S. government-sponsored agency guaranteed) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 641.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 641.21 Td (25,968) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 641.21 Td (1,085) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 641.21 Td (27,053) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 641.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 641.21 Td (27,053) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 627.21 Td (Residential) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 627.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 627.21 Td (2,158) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 627.21 Td (2,680) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 627.21 Td (4,838) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 627.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 627.21 Td (4,838) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 613.21 Td (Commercial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 613.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 613.21 Td (3,903) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 613.21 Td (440) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 613.21 Td (4,343) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 613.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 613.21 Td (4,343) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 599.20 Td (Total trading mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 599.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 599.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 599.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 599.21 Td (32,029) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 599.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 599.21 Td (4,205) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 599.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 599.21 Td (36,234) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 599.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 599.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 599.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 599.21 Td (36,234) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 585.20 Td (U.S. Treasury and federal agency securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 585.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.25 585.21 Td (15,991) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 585.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 585.21 Td (4,483) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 585.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 585.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 585.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 585.21 Td (20,474) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 585.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 585.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 585.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 585.21 Td (20,474) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 571.20 Td (State and municipal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 571.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 571.21 Td (3,161) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 571.21 Td (241) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 571.21 Td (3,402) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 571.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 571.21 Td (3,402) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 557.20 Td (Foreign government) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.25 557.21 Td (37,995) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 557.21 Td (26,736) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 557.21 Td (206) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 557.21 Td (64,937) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 557.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 557.21 Td (64,937) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 543.20 Td (Corporate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.75 543.21 Td (1,337) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 543.21 Td (25,640) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 543.21 Td (820) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 543.21 Td (27,797) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 543.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 543.21 Td (27,797) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 529.20 Td (Equity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.25 529.21 Td (51,346) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 529.21 Td (4,281) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 529.21 Td (2,219) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 529.21 Td (57,846) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 529.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 529.21 Td (57,846) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 515.20 Td (Asset-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 515.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 515.21 Td (1,252) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 515.21 Td (3,294) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 515.21 Td (4,546) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 515.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 515.21 Td (4,546) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 501.20 Td (Other trading assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 501.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 501.21 Td (9,221) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 501.21 Td (4,372) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 501.21 Td (13,593) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 501.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 501.21 Td (13,593) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 487.20 Td (Total trading non-derivative assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 487.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 487.21 Td (106,669) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 487.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 487.21 Td (106,803) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 487.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 487.21 Td (15,357) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 487.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 487.21 Td (228,829) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 487.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 487.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 487.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 487.21 Td (228,829) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 473.20 Td (Trading derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 459.21 Td (Interest rate contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 459.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 459.21 Td (74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 459.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 459.21 Td (634,318) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 459.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 459.21 Td (4,061) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 459.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 459.21 Td (638,453) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 445.21 Td (Foreign exchange contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 445.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 445.21 Td (154,744) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 445.21 Td (1,250) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 445.21 Td (155,994) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 431.21 Td (Equity contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.75 431.21 Td (2,748) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 431.21 Td (19,969) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 431.21 Td (2,035) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 431.21 Td (24,752) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 417.21 Td (Commodity contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 417.21 Td (647) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 417.21 Td (21,850) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 417.21 Td (1,023) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 417.21 Td (23,520) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 403.21 Td (Credit derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 403.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 403.21 Td (40,618) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 403.21 Td (2,900) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 403.21 Td (43,518) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 389.20 Td (Total trading derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 389.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.75 389.21 Td (3,469) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 389.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 389.21 Td (871,499) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 389.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 389.21 Td (11,269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 389.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 389.21 Td (886,237) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 375.20 Td (Cash collateral paid) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 122.00 379.28 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 375.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 375.21 Td (6,523) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 361.20 Td (Netting agreements) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 361.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.75 361.21 Td (\(777,178) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 361.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 347.20 Td (Netting of cash collateral r) Tj ET Q q 0 0 0 rg BT 146.81 347.20 Td (eceived) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 174.79 351.28 Td (\(4\)\(8\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.25 347.21 Td (\(47,625) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 347.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 333.20 Td (Total trading derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 333.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.75 333.21 Td (3,469) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 333.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 333.21 Td (871,499) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 333.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 333.21 Td (11,269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 333.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 333.21 Td (892,760) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 333.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.75 333.21 Td (\(824,803) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 333.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 333.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 333.21 Td (67,957) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 319.20 Td (Investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 305.20 Td (Mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 291.21 Td (U.S. government-sponsored agency guaranteed) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 291.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 291.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 291.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 291.21 Td (36,053) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 291.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 291.21 Td (38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 291.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 291.21 Td (36,091) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 291.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 291.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 291.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 291.21 Td (36,091) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 277.21 Td (Residential) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 277.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 277.21 Td (8,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.50 277.21 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 277.21 Td (8,363) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 277.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 277.21 Td (8,363) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 263.21 Td (Commercial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 263.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 263.21 Td (553) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.50 263.21 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 263.21 Td (554) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 263.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 263.21 Td (554) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 249.20 Td (Total investment mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 249.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.00 249.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 249.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 249.21 Td (44,961) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 249.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 249.21 Td (47) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 249.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 249.21 Td (45,008) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 249.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 249.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 249.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 249.21 Td (45,008) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 235.20 Td (U.S. Treasury and federal agency securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 235.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 235.21 Td (110,710) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 235.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 235.21 Td (12,974) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 235.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.50 235.21 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 235.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 235.21 Td (123,690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 235.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.00 235.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.00 235.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 235.21 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0.9333333333333333 1 rg /GS0 gs 438.50 430.50 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 430.50 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 430.50 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 404.50 261.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 404.50 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 404.50 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 404.50 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 404.50 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 404.50 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 404.50 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 378.50 261.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 378.50 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 378.50 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 378.50 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 378.50 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 378.50 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 378.50 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 352.50 261.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 352.50 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 352.50 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 352.50 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 352.50 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 352.50 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 352.50 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 326.50 261.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 326.50 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 326.50 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 326.50 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 326.50 51.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 326.50 45.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 326.50 39.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 289.50 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 289.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 289.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 289.50 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 289.50 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 289.50 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 289.50 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 252.50 261.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 252.50 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 252.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 252.50 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 252.50 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 252.50 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 534.50 252.50 39.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 732.5 m 297.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 732.5 m 346.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 732.5 m 396.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 732.5 m 438.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 732.5 m 489.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 732.5 m 534.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 732.5 m 573.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 732.5 m 346.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 732.5 m 396.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 732.5 m 438.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 732.5 m 489.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 732.5 m 534.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 732.5 m 573.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 704.5 m 346.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 704.5 m 396.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 704.5 m 438.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 704.5 m 489.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 704.5 m 534.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 704.5 m 573.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 704.5 m 297.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 653.5 m 297.5 653.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 653.5 m 346.5 653.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 653.5 m 396.5 653.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 653.5 m 438.5 653.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 653.5 m 489.5 653.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 653.5 m 534.5 653.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 653.5 m 573.5 653.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 630.5 m 297.5 630.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 616.5 m 297.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 630.5 m 346.5 630.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 616.5 m 346.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 630.5 m 396.5 630.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 616.5 m 396.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 630.5 m 438.5 630.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 616.5 m 438.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 630.5 m 489.5 630.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 616.5 m 489.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 630.5 m 534.5 630.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 616.5 m 534.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 630.5 m 573.5 630.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 616.5 m 573.5 616.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 616.5 m 297.5 616.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 602.5 m 297.5 602.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 602.5 m 346.5 602.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 602.5 m 396.5 602.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 602.5 m 438.5 602.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 602.5 m 489.5 602.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 602.5 m 534.5 602.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 602.5 m 573.5 602.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 509.5 m 297.5 509.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 495.5 m 297.5 495.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 509.5 m 346.5 509.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 495.5 m 346.5 495.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 509.5 m 396.5 509.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 495.5 m 396.5 495.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 509.5 m 438.5 509.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 495.5 m 438.5 495.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 509.5 m 489.5 509.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 495.5 m 489.5 495.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 509.5 m 534.5 509.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 495.5 m 534.5 495.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 509.5 m 573.5 509.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 495.5 m 573.5 495.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 417.5 m 297.5 417.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 404.5 m 297.5 404.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 417.5 m 346.5 417.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 404.5 m 346.5 404.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 417.5 m 396.5 417.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 404.5 m 396.5 404.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 417.5 m 438.5 417.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 404.5 m 438.5 404.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 417.5 m 489.5 417.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 404.5 m 489.5 404.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 404.5 m 346.5 404.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 404.5 m 396.5 404.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 404.5 m 438.5 404.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 404.5 m 489.5 404.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 365.5 m 297.5 365.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 352.5 m 297.5 352.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 365.5 m 346.5 365.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 352.5 m 346.5 352.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 365.5 m 396.5 365.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 352.5 m 396.5 352.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 365.5 m 438.5 365.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 352.5 m 438.5 352.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 365.5 m 489.5 365.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 352.5 m 489.5 352.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 365.5 m 534.5 365.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 352.5 m 534.5 352.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 365.5 m 573.5 365.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 352.5 m 573.5 352.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 326.5 m 297.5 326.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 326.5 m 346.5 326.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 326.5 m 396.5 326.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 326.5 m 438.5 326.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 326.5 m 489.5 326.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 326.5 m 534.5 326.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 326.5 m 573.5 326.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 275.5 m 297.5 275.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 275.5 m 346.5 275.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 275.5 m 396.5 275.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 275.5 m 438.5 275.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 275.5 m 489.5 275.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 275.5 m 534.5 275.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 275.5 m 573.5 275.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 252.5 m 297.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 252.5 m 534.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 252.5 m 297.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 238.5 m 297.5 238.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 252.5 m 346.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 252.5 m 396.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 252.5 m 438.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 252.5 m 489.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 252.5 m 534.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 252.5 m 573.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 238.5 m 297.5 238.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 224.5 m 297.5 224.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 238.5 m 346.5 238.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 224.5 m 346.5 224.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 238.5 m 396.5 238.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 224.5 m 396.5 224.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 238.5 m 438.5 238.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 224.5 m 438.5 224.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 238.5 m 489.5 238.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 224.5 m 489.5 224.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 238.5 m 534.5 238.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 224.5 m 534.5 224.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 238.5 m 573.5 238.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 534.5 224.5 m 573.5 224.5 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 736.75 Td (In millions of dollars at December 31, 2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.20 736.95 Td (Level 1) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 331.94 741.03 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.70 736.95 Td (Level 2) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 381.44 741.03 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.10 736.95 Td (Level 3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.30 745.95 Td (Gross) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 445.00 736.95 Td (inventory) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.80 736.95 Td (Netting) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 522.29 741.03 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.75 745.95 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.70 736.95 Td (balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 722.95 Td (Loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 62.51 727.03 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 722.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 722.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 722.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 722.96 Td (2,793) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 722.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 722.96 Td (3,108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 722.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 722.96 Td (5,901) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 722.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 722.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 722.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 722.96 Td (5,901) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 708.95 Td (Mortgage servicing rights) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 708.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 708.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 708.96 Td (1,845) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 708.96 Td (1,845) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 708.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 708.96 Td (1,845) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 694.95 Td (Non-trading derivatives and other financial assets measured on a) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 685.95 Td (recurring basis, gross) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 685.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 685.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 685.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 685.96 Td (9,352) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 685.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 685.96 Td (78) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 685.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 685.96 Td (9,430) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 671.95 Td (Cash collateral paid) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 116.00 676.03 Td (\(7\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 671.96 Td (123) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 657.95 Td (Netting of cash collateral r) Tj ET Q q 0 0 0 rg BT 140.81 657.95 Td (eceived) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 168.79 662.03 Td (\(8\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 657.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.75 657.96 Td (\(1,791) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 657.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 643.95 Td (Non-trading derivatives and other financial assets measured on a) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 634.95 Td (recurring basis) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 634.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 634.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 634.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 634.96 Td (9,352) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 634.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 634.96 Td (78) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 634.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 634.96 Td (9,553) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 634.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.75 634.96 Td (\(1,791) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 634.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 634.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 634.96 Td (7,762) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 620.95 Td (Total assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 620.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.25 620.96 Td (261,637) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 620.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.50 620.96 Td (1,322,433) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 620.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.75 620.96 Td (41,328) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 620.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 620.96 Td (1,632,044) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 620.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.75 620.96 Td (\(873,723) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 620.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 620.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.75 620.96 Td (758,321) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 606.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 606.95 Td (otal as a per) Tj ET Q q 0 0 0 rg BT 90.76 606.95 Td (centage of gr) Tj ET Q q 0 0 0 rg BT 140.07 606.95 Td (oss assets) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 175.83 611.03 Td (\(7\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.75 606.96 Td (16.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.50 606.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 606.96 Td (81.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 606.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 606.96 Td (2.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.50 606.96 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 592.95 Td (Liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 578.95 Td (Interest-bearing deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 578.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 578.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 578.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 578.96 Td (1,198) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 578.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 578.96 Td (486) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 578.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 578.96 Td (1,684) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 578.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 578.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 578.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 578.96 Td (1,684) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 564.95 Td (Federal funds purchased and securities loaned or sold under) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 555.95 Td (agreements to repurchase) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 555.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 555.96 Td (82,811) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 555.96 Td (1,043) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 555.96 Td (83,854) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.25 555.96 Td (\(47,129) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 555.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 555.96 Td (36,725) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 541.95 Td (Trading account liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 527.95 Td (Securities sold, not yet purchased) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 527.96 Td (59,463) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 527.96 Td (11,057) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 527.96 Td (424) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 527.96 Td (70,944) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 527.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 527.96 Td (70,944) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 513.95 Td (Other trading liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 513.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.50 513.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 513.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 513.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 513.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 513.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 499.95 Td (Total trading liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 499.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 499.96 Td (59,463) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 499.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 499.96 Td (11,057) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 499.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 499.96 Td (424) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 499.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 499.96 Td (70,944) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 499.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 499.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 499.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 499.96 Td (70,944) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 486.90 Td (Trading account derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 473.76 Td (Interest rate contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 473.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 473.76 Td (77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 473.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 473.76 Td (617,933) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 473.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 473.76 Td (4,272) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 473.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 473.76 Td (622,282) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 460.76 Td (Foreign exchange contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 460.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 460.76 Td (158,354) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 460.76 Td (472) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 460.76 Td (158,826) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 447.76 Td (Equity contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.25 447.76 Td (2,955) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 447.76 Td (26,616) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 447.76 Td (2,898) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 447.76 Td (32,469) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 434.76 Td (Commodity contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.00 434.76 Td (669) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 434.76 Td (22,872) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 434.76 Td (2,645) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 434.76 Td (26,186) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 57.00 421.76 Td (Credit derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 421.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 421.76 Td (39,787) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 421.76 Td (3,643) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 421.76 Td (43,430) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 408.90 Td (Total trading derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 408.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.25 408.76 Td (3,701) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 408.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 408.76 Td (865,562) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 408.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.75 408.76 Td (13,930) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 408.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 408.76 Td (883,193) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 395.90 Td (Cash collateral r) Tj ET Q q 0 0 0 rg BT 108.82 395.90 Td (eceived) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 136.81 399.98 Td (\(8\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 395.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 395.76 Td (9,846) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 382.90 Td (Netting agreements) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 382.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.75 382.76 Td (\(777,178) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 382.76 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 369.90 Td (Netting of cash collateral paid) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 159.99 373.98 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.25 369.76 Td (\(47,769) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 369.76 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 356.90 Td (Total trading derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 356.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.25 356.76 Td (3,701) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 356.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 356.76 Td (865,562) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 356.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.75 356.76 Td (13,930) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 356.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 356.76 Td (893,039) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 356.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.75 356.76 Td (\(824,947) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 356.76 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 356.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 356.76 Td (68,092) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 343.90 Td (Short-term borrowings) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 343.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 343.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 343.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 343.76 Td (1,152) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 343.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 343.76 Td (344) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 343.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 343.76 Td (1,496) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 343.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 343.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 343.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 343.76 Td (1,496) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 330.90 Td (Long-term debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 330.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.75 330.76 Td (18,890) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 330.76 Td (7,290) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 330.76 Td (26,180) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 330.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 330.76 Td (26,180) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 316.95 Td (Non-trading derivatives and other financial liabilities measured) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 307.95 Td (on a recurring basis, gross) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 307.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 307.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 307.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 307.96 Td (1,777) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 307.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 307.96 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 307.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 307.96 Td (1,784) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 293.95 Td (Cash collateral r) Tj ET Q q 0 0 0 rg BT 102.82 293.95 Td (eceived) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 130.81 298.03 Td (\(9\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 293.96 Td (7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 279.95 Td (Netting of cash collateral paid) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 153.99 284.03 Td (\(7\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 279.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 279.96 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 279.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 265.95 Td (Non-trading derivatives and other financial liabilities measured) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 256.95 Td (on a recurring basis) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 256.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 256.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 256.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.25 256.96 Td (1,777) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 256.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 256.96 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 256.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 256.96 Td (1,791) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 256.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.00 256.96 Td (\(15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 256.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 256.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 256.96 Td (1,776) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 242.95 Td (Total liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 242.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 313.75 242.96 Td (63,164) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 242.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.25 242.96 Td (982,447) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 399.00 242.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.75 242.96 Td (23,524) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 242.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.50 242.96 Td (1,078,988) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 242.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.75 242.96 Td (\(872,091) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 242.96 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 242.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.75 242.96 Td (206,897) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 228.95 Td (T) Tj ET Q q 0 0 0 rg BT 44.18 228.95 Td (otal as a per) Tj ET Q q 0 0 0 rg BT 90.76 228.95 Td (centage of gr) Tj ET Q q 0 0 0 rg BT 140.07 228.95 Td (oss liabilities) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 188.83 233.03 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.25 228.96 Td (5.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.50 228.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.75 228.96 Td (91.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.50 228.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 228.96 Td (2.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.50 228.96 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 205.80 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 205.80 Td (In 2014, the Company transferred assets of approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 241.73 205.80 Td ($4.1 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.62 205.80 Td ( from Level1 to Level2, primarily related to foreign government securities not traded with ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 196.20 Td (suf) Tj ET Q q 0 0 0 rg BT 63.63 196.20 Td (ficient frequency to constitute an active market and Citi refining its methodology for certain equity contracts to reflect the prevalence of of) Tj ET Q q 0 0 0 rg BT 507.10 196.20 Td (f-exchange trading. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 186.60 Td (In 2014, the Company transferred assets of approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 241.73 186.60 Td ($4.2 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.62 186.60 Td ( from Level2 to Level1, primarily related to foreign government bonds traded with ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 177.00 Td (suf) Tj ET Q q 0 0 0 rg BT 63.63 177.00 Td (ficient frequency to constitute a liquid market. In 2014, the Company transferred liabilities of approximately ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.64 177.00 Td ($1.4 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.53 177.00 Td ( from Level 1 to Level 2, as Citi ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 167.40 Td (refined its methodology for certain equity contracts to reflect the prevalence of of) Tj ET Q q 0 0 0 rg BT 314.64 167.40 Td (f-exchange trading. In 2014, there were ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.02 167.40 Td (no) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.02 167.40 Td ( material liability transfers from Level ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 157.80 Td (2 to Level 1. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 148.20 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 148.20 Td (Represents netting of \(i\)the amounts due under securities purchased under agreements to resell and the amounts owed under securities sold under agreements to ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 138.60 Td (repurchase; and \(ii\)derivative exposures covered by a qualifying master netting agreement and cash collateral of) Tj ET Q q 0 0 0 rg BT 414.82 138.60 Td (fsetting.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 129.00 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 129.00 Td (Reflects the net amount of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 140.42 129.00 Td ($54,292 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 191.53 129.00 Td ( of gross cash collateral paid, of which ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.05 129.00 Td ($47,769 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 368.16 129.00 Td ( was used to of) Tj ET Q q 0 0 0 rg BT 416.01 129.00 Td (fset trading derivative liabilities.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 119.40 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 119.40 Td (Because the amount of the cash collateral paid/received has not been allocated to the Level 1, 2 and 3 subtotals, these percentages are calculated based on total ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 109.80 Td (assets and liabilities measured at fair value on a recurring basis, excluding the cash collateral paid/received on derivatives.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 100.20 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 100.20 Td (Amounts exclude ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 112.21 100.20 Td ($1.1 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.10 100.20 Td ( investments measured at Net ) Tj ET Q q 0 0 0 rg BT 244.86 100.20 Td (Asset ) Tj ET Q q 0 0 0 rg BT 264.49 100.20 Td (V) Tj ET Q q 0 0 0 rg BT 269.38 100.20 Td (alue \(NA) Tj ET Q q 0 0 0 rg BT 297.89 100.20 Td (V\) in accordance with ) Tj ET Q q 0 0 0 rg BT 370.30 100.20 Td (ASU No. 2015-07, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 432.75 100.20 Td (Fair V) Tj ET Q q 0 0 0 rg BT 452.97 100.20 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 492.89 100.20 Td (ement \(T) Tj ET Q q 0 0 0 rg BT 520.37 100.20 Td (opic 820\): ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 90.60 Td (Disclosur) Tj ET Q q 0 0 0 rg BT 84.82 90.60 Td (es for Investments in Certain Entities That Calculate Net ) Tj ET Q q 0 0 0 rg BT 268.43 90.60 Td (Asset V) Tj ET Q q 0 0 0 rg BT 291.32 90.60 Td (alue per Shar) Tj ET Q q 0 0 0 rg BT 334.57 90.60 Td (e \(or Its Equivalent\). ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 403.22 90.60 Td (See Note 1 to the Consolidated Financial Statements.) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 573.41 90.60 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 81.00 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 81.00 Td (There is no allowance for loan losses recorded for loans reported at fair value.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 71.40 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 71.40 Td (Reflects the net amount of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 140.42 71.40 Td ($138 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 181.53 71.40 Td ( of gross cash collateral paid, of which ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 307.05 71.40 Td ($15 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.16 71.40 Td ( was used to of) Tj ET Q q 0 0 0 rg BT 392.01 71.40 Td (fset non-trading derivative liabilities.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 61.80 Td (\(8\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 61.80 Td (Reflects the net amount of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 140.42 61.80 Td ($57,471 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 191.53 61.80 Td ( of gross cash collateral received, of which ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.36 61.80 Td ($47,625 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 381.48 61.80 Td ( was used to of) Tj ET Q q 0 0 0 rg BT 429.32 61.80 Td (fset trading derivative assets.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 52.20 Td (\(9\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 52.20 Td (Reflects the net amount of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 140.42 52.20 Td ($1,798 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 187.53 52.20 Td ( of gross cash collateral received, of which ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.36 52.20 Td ($1,791 million) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 373.48 52.20 Td ( was used to of) Tj ET Q q 0 0 0 rg BT 421.32 52.20 Td (fset non-trading derivative assets.) Tj ET Q endstream endobj 529 0 obj <> endobj 530 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (262) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Changes in Level3 Fair) Tj ET Q q 0 0 0 rg BT 137.48 749.25 Td ( ) Tj ET Q q 0 0 0 rg BT 139.80 749.25 Td (V) Tj ET Q q 0 0 0 rg BT 146.11 749.25 Td (alue Category) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (The following tables present the changes in the Level3 fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (value category for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.96 725.25 Td (years ended) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.43 725.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.93 725.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.52 725.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 713.25 Td (. ) Tj ET Q q 0 0 0 rg BT 60.45 713.25 Td (As discussed above, the Company classifies financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (instruments as Level3 of the fair value hierarchy when there ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (is reliance on at least one significant unobservable input to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (valuation model. In addition to these unobservable inputs, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (valuation models for Level3 financial instruments typically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (also rely on a number of inputs that are readily observable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (either directly or indirectly) Tj ET Q q 0 0 0 rg BT 142.81 641.25 Td (. ) Tj ET Q q 0 0 0 rg BT 147.63 641.25 Td (The gains and losses presented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (below include changes in the fair value related to both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (observable and unobservable inputs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (The Company often hedges positions with of) Tj ET Q q 0 0 0 rg BT 521.79 749.10 Td (fsetting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (positions that are classified in a dif) Tj ET Q q 0 0 0 rg BT 463.23 737.10 Td (ferent level. For example, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (the gains and losses for assets and liabilities in the Level3 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (category presented in the tables below do not reflect the ef) Tj ET Q q 0 0 0 rg BT 557.61 713.10 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (of of) Tj ET Q q 0 0 0 rg BT 342.98 701.10 Td (fsetting losses and gains on hedging instruments that have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (been classified by the Company in the Level1 and Level2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (categories. In addition, the Company hedges items classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (in the Level3 category with instruments also classified in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (Level3 of the fair value hierarchy) Tj ET Q q 0 0 0 rg BT 459.95 653.10 Td (. ) Tj ET Q q 0 0 0 rg BT 464.77 653.10 Td (The ef) Tj ET Q q 0 0 0 rg BT 490.40 653.10 Td (fects of these hedges ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (are presented gross in the following tables:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (Level3 Fair) Tj ET Q q 0 0 0 rg BT 87.47 593.25 Td ( ) Tj ET Q q 0 0 0 rg BT 89.79 593.25 Td (V) Tj ET Q q 0 0 0 rg BT 96.09 593.25 Td (alue Rollforward) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 540.75 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 131.50 540.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 540.75 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 540.75 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 540.75 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 540.75 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 540.75 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 540.75 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 540.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 540.75 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 540.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 540.75 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 490.75 96.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 131.50 490.75 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 490.75 51.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 490.75 42.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 490.75 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 490.75 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 490.75 41.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 490.75 42.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 490.75 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 490.75 46.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 490.75 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 490.75 46.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 448.75 96.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 131.50 448.75 36.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 448.75 51.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 448.75 42.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 448.75 34.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 448.75 34.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 448.75 41.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 448.75 42.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 448.75 36.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 448.75 46.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 448.75 36.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 448.75 46.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 406.75 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 131.50 406.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 406.75 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 406.75 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 406.75 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 406.75 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 406.75 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 406.75 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 406.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 406.75 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 406.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 406.75 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 372.75 96.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 131.50 372.75 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 372.75 51.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 372.75 42.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 372.75 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 372.75 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 372.75 41.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 372.75 42.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 372.75 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 372.75 46.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 372.75 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 372.75 46.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 338.75 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 131.50 338.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 338.75 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 338.75 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 338.75 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 338.75 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 338.75 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 338.75 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 338.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 338.75 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 338.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 338.75 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 312.75 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 131.50 312.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 312.75 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 312.75 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 312.75 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 312.75 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 312.75 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 312.75 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 312.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 312.75 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 312.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 312.75 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 286.75 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 131.50 286.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 286.75 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 286.75 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 286.75 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 286.75 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 286.75 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 286.75 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 286.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 286.75 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 286.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 286.75 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 252.75 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 131.50 252.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 252.75 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 252.75 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 252.75 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 252.75 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 252.75 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 252.75 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 252.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 252.75 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 252.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 252.75 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 226.75 96.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 131.50 226.75 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 226.75 51.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 226.75 42.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 226.75 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 226.75 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 226.75 41.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 226.75 42.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 226.75 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 226.75 46.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 226.75 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 226.75 46.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 192.75 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 131.50 192.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 192.75 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 192.75 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 192.75 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 192.75 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 192.75 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 192.75 42.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 192.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 192.75 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 192.75 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 192.75 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 166.75 96.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 131.50 166.75 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 166.75 51.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 166.75 42.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 166.75 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 166.75 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 166.75 41.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 166.75 42.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 166.75 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 166.75 46.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 166.75 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 166.75 46.00 -21.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 561.75 m 218.5 561.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 561.75 m 260.5 561.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 561.75 m 294.5 561.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 561.75 m 328.5 561.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 540.75 m 131.5 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 540.75 m 167.5 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 540.75 m 218.5 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 540.75 m 260.5 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 540.75 m 294.5 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 540.75 m 328.5 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 540.75 m 369.5 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 540.75 m 411.5 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 540.75 m 447.5 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 540.75 m 493.5 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 540.75 m 529.5 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 540.75 m 575.5 540.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 393.75 m 131.5 393.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 372.75 m 131.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 393.75 m 167.5 393.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 372.75 m 167.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 393.75 m 218.5 393.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 372.75 m 218.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 393.75 m 260.5 393.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 372.75 m 260.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 393.75 m 294.5 393.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 372.75 m 294.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 393.75 m 328.5 393.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 372.75 m 328.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 393.75 m 369.5 393.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 372.75 m 369.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 393.75 m 411.5 393.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 372.75 m 411.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 393.75 m 447.5 393.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 372.75 m 447.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 393.75 m 493.5 393.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 372.75 m 493.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 393.75 m 529.5 393.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 372.75 m 529.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 393.75 m 575.5 393.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 372.75 m 575.5 372.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 273.75 m 131.5 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 252.75 m 131.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 273.75 m 167.5 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 252.75 m 167.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 273.75 m 218.5 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 252.75 m 218.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 273.75 m 260.5 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 252.75 m 260.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 273.75 m 294.5 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 252.75 m 294.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 273.75 m 328.5 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 252.75 m 328.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 273.75 m 369.5 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 252.75 m 369.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 273.75 m 411.5 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 252.75 m 411.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 273.75 m 447.5 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 252.75 m 447.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 273.75 m 493.5 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 252.75 m 493.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 273.75 m 529.5 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 252.75 m 529.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 273.75 m 575.5 273.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 252.75 m 575.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 252.75 m 131.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 252.75 m 167.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 252.75 m 218.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 252.75 m 260.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 252.75 m 294.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 252.75 m 328.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 252.75 m 369.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 252.75 m 411.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 252.75 m 447.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 252.75 m 493.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 252.75 m 529.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 252.75 m 575.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 166.75 m 131.5 166.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 145.75 m 131.5 145.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 166.75 m 167.5 166.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 131.5 145.75 m 167.5 145.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 166.75 m 218.5 166.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 145.75 m 218.5 145.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 166.75 m 260.5 166.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 145.75 m 260.5 145.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 166.75 m 294.5 166.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 145.75 m 294.5 145.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 166.75 m 328.5 166.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 145.75 m 328.5 145.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 166.75 m 369.5 166.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 145.75 m 369.5 145.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 166.75 m 411.5 166.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 145.75 m 411.5 145.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 166.75 m 447.5 166.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 145.75 m 447.5 145.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 166.75 m 493.5 166.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 145.75 m 493.5 145.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 166.75 m 529.5 166.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 145.75 m 529.5 145.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 166.75 m 575.5 166.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 145.75 m 575.5 145.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 565.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 134.00 565.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 173.95 573.98 Td (Net realized/unrealized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 178.80 565.98 Td (gains \(losses\) incl. in) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 277.60 565.98 Td (Transfers) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 331.00 565.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 372.00 565.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 414.00 565.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 565.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 565.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.40 568.98 Td (Unr) Tj ET Q q 0 0 0 rg BT 547.03 568.98 Td (ealized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 543.10 560.98 Td (gains) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 539.75 552.98 Td (\(losses\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 534.40 544.98 Td (still held) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 563.52 548.61 Td (\(3\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 545.00 Td (In millions of dollars) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 135.55 553.00 Td (Dec. 31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 141.00 545.00 Td (2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 176.70 552.98 Td (Principal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 171.60 544.98 Td (transactions) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.70 544.98 Td (Other) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 243.14 548.61 Td (\(1\)\(2\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 270.30 552.98 Td (into) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 264.65 544.98 Td (Level 3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 301.10 552.98 Td (out of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 298.65 544.98 Td (Level 3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 331.20 544.98 Td (Purchases) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 373.75 544.98 Td (Issuances) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.30 544.98 Td (Sales) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.20 544.98 Td (Settlements) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 497.55 552.98 Td (Dec. 31, ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 503.00 544.98 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 531.98 Td (Assets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 518.98 Td (Federal funds sold and) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 510.98 Td (securities borrowed or) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 502.98 Td (purchased under) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 494.98 Td (agreements to resell) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 134.00 495.00 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 146.30 495.00 Td (3,398) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 170.00 494.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 200.60 494.98 Td (\(147) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 215.30 494.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 221.00 494.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 494.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 263.00 494.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 279.30 494.98 Td (279) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 297.00 494.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 304.60 494.98 Td (\(2,856) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 494.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 331.00 494.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.25 494.98 Td (784) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 372.00 494.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 494.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 414.00 494.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 436.30 494.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 494.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.60 494.98 Td (\(121) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 494.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 494.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.30 494.98 Td (1,337) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.00 494.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 565.60 495.03 Td (\(5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 494.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 481.98 Td (Trading non-derivative) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 473.98 Td (assets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 460.98 Td (Trading mortgage-) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 452.98 Td (backed securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 56.00 440.00 Td (U.S. government-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 56.00 432.00 Td (sponsored agency) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 56.00 424.00 Td (guaranteed) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 146.30 424.00 Td (1,085) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 207.30 423.98 Td (24) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 423.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 279.30 423.98 Td (872) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 304.60 423.98 Td (\(1,277) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 423.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.25 423.98 Td (796) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 423.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 423.98 Td (\(756) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 423.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 423.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 423.98 Td (744) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 565.60 424.03 Td (\(4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 423.98 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 56.00 411.00 Td (Residential) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 146.30 411.00 Td (2,680) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.30 410.98 Td (254) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 410.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 279.30 410.98 Td (370) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.60 410.98 Td (\(480) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 410.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 348.25 410.98 Td (1,574) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 410.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.60 410.98 Td (\(3,072) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 410.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 410.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.30 410.98 Td (1,326) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 557.60 411.03 Td (\(101) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 410.98 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 56.00 398.00 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.30 398.00 Td (440) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 207.30 397.98 Td (18) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 397.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 279.30 397.98 Td (252) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.60 397.98 Td (\(157) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 397.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.25 397.98 Td (697) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 397.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 397.98 Td (\(733) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 397.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 397.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 397.98 Td (517) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 565.60 398.03 Td (\(7) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 397.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 384.98 Td (Total trading mortgage-) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 376.98 Td (backed securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 134.00 377.00 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 146.30 377.00 Td (4,205) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 170.00 376.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.30 376.98 Td (296) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 221.00 376.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 376.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 263.00 376.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 273.30 376.98 Td (1,494) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 297.00 376.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 304.60 376.98 Td (\(1,914) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 376.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 331.00 376.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 348.25 376.98 Td (3,067) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 372.00 376.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 376.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 414.00 376.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.60 376.98 Td (\(4,561) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 376.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 376.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 376.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 376.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.30 376.98 Td (2,587) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.00 376.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 557.60 377.03 Td (\(112) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 376.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 363.98 Td (U.S. Treasury and) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 355.98 Td (federal agency securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 134.00 356.00 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 156.30 356.00 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 170.00 355.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 207.30 355.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 221.00 355.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 355.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 263.00 355.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 287.30 355.98 Td (2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 297.00 355.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 318.60 355.98 Td (\(1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 355.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 331.00 355.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 362.30 355.98 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 372.00 355.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 355.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 414.00 355.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 437.60 355.98 Td (\(1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 355.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 355.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 355.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 355.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 522.30 355.98 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.00 355.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 355.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 342.98 Td (State and municipal) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.30 343.00 Td (241) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 207.30 342.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 342.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 283.30 342.98 Td (67) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 314.60 342.98 Td (\(35) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 342.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.25 342.98 Td (183) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 342.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 342.98 Td (\(105) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 342.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 342.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 342.98 Td (351) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 565.60 343.03 Td (\(7) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 342.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 329.98 Td (Foreign government) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.30 330.00 Td (206) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 204.60 329.98 Td (\(10) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 215.30 329.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 329.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 283.30 329.98 Td (53) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.60 329.98 Td (\(100) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 329.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.25 329.98 Td (271) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 329.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 329.98 Td (\(169) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 329.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 479.60 329.98 Td (\(54) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 329.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 329.98 Td (197) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 568.30 329.98 Td (6) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 316.98 Td (Corporate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.30 317.00 Td (820) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.30 316.98 Td (111) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 316.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 279.30 316.98 Td (186) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.60 316.98 Td (\(288) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 316.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.25 316.98 Td (802) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 316.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.60 316.98 Td (\(1,244) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 316.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 479.60 316.98 Td (\(11) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 316.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 316.98 Td (376) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 561.60 317.03 Td (\(29) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 316.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 303.98 Td (Equity securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 146.30 304.00 Td (2,219) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.30 303.98 Td (547) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 303.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 279.30 303.98 Td (344) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.60 303.98 Td (\(371) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 303.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 348.25 303.98 Td (1,377) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 303.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 303.98 Td (\(432) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 303.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 303.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.30 303.98 Td (3,684) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 560.30 303.98 Td (464) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 290.98 Td (Asset-backed securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 146.30 291.00 Td (3,294) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.30 290.98 Td (141) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 290.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 279.30 290.98 Td (663) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.60 290.98 Td (\(282) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 290.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 348.25 290.98 Td (4,426) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 290.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.60 290.98 Td (\(5,503) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 290.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 290.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.30 290.98 Td (2,739) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 557.60 291.03 Td (\(174) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 290.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 277.98 Td (Othertrading assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 146.30 278.00 Td (4,372) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.30 277.98 Td (180) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 277.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 279.30 277.98 Td (968) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 304.60 277.98 Td (\(3,290) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 277.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 348.25 277.98 Td (2,504) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 277.98 Td (51) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.60 277.98 Td (\(2,110) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 277.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.60 277.98 Td (\(192) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 277.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.30 277.98 Td (2,483) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 561.60 278.03 Td (\(45) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 277.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 264.98 Td (Total trading non-) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 256.98 Td (derivative assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 134.00 257.00 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 142.30 257.00 Td (15,357) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 170.00 256.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 197.30 256.98 Td (1,265) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 221.00 256.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 256.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 263.00 256.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 273.30 256.98 Td (3,777) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 297.00 256.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 304.60 256.98 Td (\(6,281) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 256.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 331.00 256.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 344.25 256.98 Td (12,631) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 372.00 256.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 256.98 Td (51) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 414.00 256.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.60 256.98 Td (\(14,125) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 256.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 256.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.60 256.98 Td (\(257) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 256.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 256.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 504.30 256.98 Td (12,418) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.00 256.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 560.30 256.98 Td (103) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 243.98 Td (T) Tj ET Q q 0 0 0 rg BT 42.74 243.98 Td (rading derivatives, net) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 119.40 247.61 Td (\(4\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 44.00 231.00 Td (Interest rate contracts) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 134.00 231.00 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.60 231.00 Td (\(211) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 164.30 231.00 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 170.00 230.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 200.60 230.98 Td (\(492) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 215.30 230.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 221.00 230.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 230.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 263.00 230.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 276.60 230.98 Td (\(124) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 230.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 297.00 230.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 317.30 230.98 Td (15) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 331.00 230.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.30 230.98 Td (24) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 372.00 230.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 230.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 414.00 230.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 432.30 230.98 Td (141) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 230.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.30 230.98 Td (152) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 230.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 511.60 230.98 Td (\(495) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.30 230.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.00 230.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 560.30 230.98 Td (553) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 44.00 218.00 Td (Foreign exchange) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 44.00 210.00 Td (contracts) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.30 210.00 Td (778) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 200.60 209.98 Td (\(245) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 215.30 209.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 209.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 280.60 209.98 Td (\(11) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 209.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 317.30 209.98 Td (27) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.25 209.98 Td (393) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 209.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 209.98 Td (\(381) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 209.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 209.98 Td (59) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 209.98 Td (620) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 561.60 210.03 Td (\(12) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 209.98 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 44.00 197.00 Td (Equity contracts) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.60 197.00 Td (\(863) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 164.30 197.00 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.30 196.98 Td (148) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 196.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 276.60 196.98 Td (\(126) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 196.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 317.30 196.98 Td (66) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.25 196.98 Td (496) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.30 196.98 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 196.98 Td (\(334) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 196.98 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.60 196.98 Td (\(187) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 196.98 Td (\)) Tj ET Q BT /F2 8.00 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0.9333333333333333 1 rg /GS0 gs 447.50 297.50 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 297.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 529.50 297.50 46.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 734.5 m 221.5 734.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221.5 734.5 m 263.5 734.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 734.5 m 297.5 734.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 734.5 m 331.5 734.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 713.5 m 134.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 134.5 713.5 m 170.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 713.5 m 221.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221.5 713.5 m 263.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 713.5 m 297.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 713.5 m 331.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 713.5 m 375.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 713.5 m 417.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 713.5 m 447.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 713.5 m 493.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 713.5 m 529.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 713.5 m 575.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 713.5 m 134.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 134.5 713.5 m 170.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 713.5 m 221.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221.5 713.5 m 263.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 713.5 m 297.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 713.5 m 331.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 713.5 m 375.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 713.5 m 417.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 713.5 m 447.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 713.5 m 493.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 713.5 m 529.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 713.5 m 575.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 624.5 m 134.5 624.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 134.5 624.5 m 170.5 624.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 624.5 m 221.5 624.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221.5 624.5 m 263.5 624.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 624.5 m 297.5 624.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 624.5 m 331.5 624.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 624.5 m 375.5 624.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 624.5 m 417.5 624.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 624.5 m 447.5 624.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 624.5 m 493.5 624.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 624.5 m 529.5 624.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 624.5 m 575.5 624.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 595.5 m 134.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 134.5 595.5 m 170.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 595.5 m 221.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221.5 595.5 m 263.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 595.5 m 297.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 595.5 m 331.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 595.5 m 375.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 595.5 m 417.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 595.5 m 447.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 595.5 m 493.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 595.5 m 529.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 595.5 m 575.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 595.5 m 134.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 134.5 595.5 m 170.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 595.5 m 221.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221.5 595.5 m 263.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 595.5 m 297.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 595.5 m 331.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 595.5 m 375.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 595.5 m 417.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 595.5 m 447.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 595.5 m 493.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 595.5 m 529.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 595.5 m 575.5 595.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 475.5 m 134.5 475.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 462.5 m 134.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 134.5 475.5 m 170.5 475.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 134.5 462.5 m 170.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 475.5 m 221.5 475.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 462.5 m 221.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221.5 475.5 m 263.5 475.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221.5 462.5 m 263.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 475.5 m 297.5 475.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 462.5 m 297.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 475.5 m 331.5 475.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 462.5 m 331.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 475.5 m 375.5 475.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 462.5 m 375.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 475.5 m 417.5 475.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 462.5 m 417.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 475.5 m 447.5 475.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 462.5 m 447.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 475.5 m 493.5 475.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 462.5 m 493.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 475.5 m 529.5 475.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 462.5 m 529.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 475.5 m 575.5 475.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 462.5 m 575.5 462.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 407.5 m 134.5 407.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 134.5 407.5 m 170.5 407.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 407.5 m 221.5 407.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221.5 407.5 m 263.5 407.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 407.5 m 297.5 407.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 407.5 m 331.5 407.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 407.5 m 375.5 407.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 407.5 m 417.5 407.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 407.5 m 447.5 407.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 407.5 m 493.5 407.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 407.5 m 529.5 407.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 407.5 m 575.5 407.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 255.5 m 134.5 255.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 134.5 255.5 m 170.5 255.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 170.5 255.5 m 221.5 255.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 221.5 255.5 m 263.5 255.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 255.5 m 297.5 255.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 255.5 m 331.5 255.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 255.5 m 375.5 255.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 255.5 m 417.5 255.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 255.5 m 447.5 255.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 255.5 m 493.5 255.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 255.5 m 529.5 255.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 529.5 255.5 m 575.5 255.5 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 738.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 137.00 738.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 176.95 746.73 Td (Net realized/unrealized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 181.80 738.73 Td (gains \(losses\) incl. in) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 280.60 738.73 Td (Transfers) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.00 738.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 378.00 738.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.00 738.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 738.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 738.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.40 741.73 Td (Unr) Tj ET Q q 0 0 0 rg BT 547.03 741.73 Td (ealized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 543.10 733.73 Td (gains) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 539.75 725.73 Td (\(losses\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 534.40 717.73 Td (still held) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 563.52 721.36 Td (\(3\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 717.75 Td (In millions of dollars) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 138.55 725.75 Td (Dec. 31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 144.00 717.75 Td (2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 179.70 725.73 Td (Principal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 174.60 717.73 Td (transactions) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 225.70 717.73 Td (Other) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 246.14 721.36 Td (\(1\)\(2\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 273.30 725.73 Td (into) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 267.65 717.73 Td (Level 3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 304.10 725.73 Td (out of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 301.65 717.73 Td (Level 3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 335.70 717.73 Td (Purchases) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 379.75 717.73 Td (Issuances) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.30 717.73 Td (Sales) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.20 717.73 Td (Settlements) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 497.55 725.73 Td (Dec. 31, ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 503.00 717.73 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 704.73 Td (Investments) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 691.73 Td (Mortgage-backed) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 683.73 Td (securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 56.00 670.75 Td (U.S. government-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 56.00 662.75 Td (sponsored agency) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 56.00 654.75 Td (guaranteed) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 137.00 654.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.30 654.75 Td (38) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 173.00 654.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 654.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 224.00 654.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 654.73 Td (29) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 266.00 654.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.30 654.73 Td (171) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 654.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 313.60 654.73 Td (\(118) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 654.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.00 654.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 654.73 Td (62) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 378.00 654.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 654.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.00 654.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 433.60 654.73 Td (\(43) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 654.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 654.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 654.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 654.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 654.73 Td (139) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.00 654.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 565.60 654.78 Td (\(2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 654.73 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 56.00 641.75 Td (Residential) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 163.30 641.75 Td (8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 641.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 253.60 641.73 Td (\(1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.30 641.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 290.30 641.73 Td (4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.30 641.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 641.73 Td (11) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 641.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 433.60 641.73 Td (\(18) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 641.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 641.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 522.30 641.73 Td (4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 641.73 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 56.00 628.75 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 163.30 628.75 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 628.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 628.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 290.30 628.73 Td (4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 321.60 628.73 Td (\(3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 628.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 628.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 628.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 436.30 628.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 628.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 522.30 628.73 Td (2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 628.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 615.73 Td (Total investment) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 607.73 Td (mortgage-backed) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 599.73 Td (securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 137.00 599.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.30 599.75 Td (47) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 173.00 599.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 599.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 224.00 599.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 599.73 Td (28) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 266.00 599.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.30 599.73 Td (179) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 599.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 313.60 599.73 Td (\(121) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 599.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.00 599.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 599.73 Td (73) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 378.00 599.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 599.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.00 599.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 433.60 599.73 Td (\(61) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 599.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 599.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 599.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 599.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 599.73 Td (145) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.00 599.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 565.60 599.78 Td (\(2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 599.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 586.73 Td (U.S. Treasury and) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 578.73 Td (federal agency securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 137.00 578.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 163.30 578.75 Td (6) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 173.00 578.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 578.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 224.00 578.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 578.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 266.00 578.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 578.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 578.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.30 578.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.00 578.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 368.30 578.73 Td (6) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 378.00 578.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 578.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.00 578.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 437.60 578.73 Td (\(8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 578.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 578.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 578.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 578.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 522.30 578.73 Td (4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.00 578.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 578.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 565.73 Td (State and municipal) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.30 565.75 Td (2,180) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 565.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.60 565.73 Td (\(23) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.30 565.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.30 565.73 Td (834) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 313.60 565.73 Td (\(721) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 565.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.25 565.73 Td (842) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 565.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 565.73 Td (\(671) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 565.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.60 565.73 Td (\(249) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 565.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.30 565.73 Td (2,192) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 568.30 565.73 Td (9) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 552.73 Td (Foreign government) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 155.30 552.75 Td (678) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 552.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 552.73 Td (45) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 287.60 552.73 Td (\(5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 294.30 552.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 313.60 552.73 Td (\(270) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 552.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.25 552.73 Td (601) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 552.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 552.73 Td (\(519) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 552.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.60 552.73 Td (\(270) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 552.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 552.73 Td (260) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 565.60 552.78 Td (\(1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 552.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 539.73 Td (Corporate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 155.30 539.75 Td (672) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 539.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 253.60 539.73 Td (\(7) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.30 539.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 539.73 Td (15) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 317.60 539.73 Td (\(52) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 539.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.25 539.73 Td (144) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 539.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 539.73 Td (\(134) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 539.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 479.60 539.73 Td (\(35) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 539.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 539.73 Td (603) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 565.60 539.78 Td (\(4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 539.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 526.73 Td (Equity securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 155.30 526.75 Td (681) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 526.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.60 526.73 Td (\(22) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.30 526.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 526.73 Td (12) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 317.60 526.73 Td (\(14) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 526.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 368.30 526.73 Td (7) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 526.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 526.73 Td (\(540) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 526.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 526.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 526.73 Td (124) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 557.60 526.78 Td (\(120) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 526.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 513.73 Td (Asset-backed securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 155.30 513.75 Td (549) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 513.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.60 513.73 Td (\(17) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.30 513.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 513.73 Td (45) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 317.60 513.73 Td (\(58) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 513.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.25 513.73 Td (202) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 513.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 513.73 Td (\(125) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 513.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 513.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 513.73 Td (596) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 513.73 Td (14) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 500.73 Td (Otherdebtsecurities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.30 500.75 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 500.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 500.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 500.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.30 500.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 500.73 Td (10) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 500.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 433.60 500.73 Td (\(10) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 500.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 500.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 518.30 500.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 500.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 487.73 Td (Non-marketable equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 44.00 479.73 Td (securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.30 479.75 Td (1,460) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 479.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.60 479.73 Td (\(50) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.30 479.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 479.73 Td (76) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 324.30 479.73 Td (6) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 368.30 479.73 Td (5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 479.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 433.60 479.73 Td (\(58) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 479.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.60 479.73 Td (\(304) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 479.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.30 479.73 Td (1,135) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 479.73 Td (26) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 466.73 Td (Total investments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 137.00 466.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.30 466.75 Td (6,273) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 173.00 466.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 466.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 224.00 466.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.60 466.73 Td (\(46) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.30 466.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 266.00 466.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 276.30 466.73 Td (1,156) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 466.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 307.60 466.73 Td (\(1,230) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 466.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.00 466.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.25 466.73 Td (1,890) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 378.00 466.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 466.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.00 466.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.60 466.73 Td (\(2,126) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 466.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 466.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.60 466.73 Td (\(858) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 466.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 466.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.30 466.73 Td (5,059) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.00 466.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 561.60 466.78 Td (\(78) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 466.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 453.73 Td (Loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 137.00 453.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.30 453.75 Td (3,108) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 173.00 453.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 453.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 224.00 453.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 245.60 453.73 Td (\(303) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.30 453.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 266.00 453.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.30 453.73 Td (689) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 453.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 313.60 453.73 Td (\(805) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 453.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.00 453.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.25 453.73 Td (1,190) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 378.00 453.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 402.25 453.73 Td (461) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.00 453.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.60 453.73 Td (\(807) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 453.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 453.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 469.60 453.73 Td (\(1,367) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 453.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 453.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.30 453.73 Td (2,166) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.00 453.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 564.30 453.73 Td (24) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 440.73 Td (Mortgage servicing rights) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.30 440.75 Td (1,845) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 440.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 248.25 440.73 Td (110) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 440.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.30 440.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 440.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 402.25 440.73 Td (214) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 433.60 440.73 Td (\(38) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 440.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.60 440.73 Td (\(350) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 440.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.30 440.73 Td (1,781) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 557.60 440.78 Td (\(390) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 440.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 427.73 Td (Other financial assets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 419.73 Td (measured on a recurring) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 411.73 Td (basis) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.30 411.75 Td (78) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 411.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 248.25 411.73 Td (100) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.30 411.73 Td (201) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 317.60 411.73 Td (\(66) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 411.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 368.30 411.73 Td (6) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 402.25 411.73 Td (208) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 433.60 411.73 Td (\(85) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 411.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.60 411.73 Td (\(262) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 411.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 411.73 Td (180) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 560.30 411.73 Td (582) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 398.73 Td (Liabilities) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 385.73 Td (Interest-bearing deposits) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 137.00 385.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 155.30 385.75 Td (486) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 173.00 385.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 385.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 224.00 385.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 385.73 Td (10) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 266.00 385.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 290.30 385.73 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 385.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 321.60 385.73 Td (\(1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 385.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.00 385.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 385.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 378.00 385.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 385.73 Td (36) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.00 385.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 436.30 385.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 385.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 479.60 385.73 Td (\(78) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 385.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.00 385.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 385.73 Td (434) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.00 385.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 557.60 385.78 Td (\(154) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 385.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 372.73 Td (Federal funds purchased) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 364.73 Td (and securities loaned or) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 356.73 Td (sold under agreements to) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 348.73 Td (repurchase) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.30 348.75 Td (1,043) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 207.60 348.73 Td (\(23) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 218.30 348.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 348.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 348.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.30 348.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 348.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 348.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 432.30 348.73 Td (302) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.60 348.73 Td (\(121) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 348.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.30 348.73 Td (1,247) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 560.30 348.73 Td (134) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 335.73 Td (Trading account liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 44.00 322.75 Td (Securities sold, not yet) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 44.00 314.75 Td (purchased) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 155.30 314.75 Td (424) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 314.73 Td (88) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 314.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.30 314.73 Td (311) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 313.60 314.73 Td (\(231) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 314.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 314.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 314.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 432.30 314.73 Td (385) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.60 314.73 Td (\(602) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 314.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.30 314.73 Td (199) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 561.60 314.78 Td (\(25) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 314.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 301.73 Td (Short-term borrowings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 155.30 301.75 Td (344) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 301.73 Td (11) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 301.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 301.73 Td (23) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 317.60 301.73 Td (\(30) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 301.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 301.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 410.30 301.73 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 436.30 301.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.60 301.73 Td (\(318) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 301.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 522.30 301.73 Td (9) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 565.60 301.78 Td (\(4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 301.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 288.73 Td (Long-term debt) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.30 288.75 Td (7,290) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 206.30 288.73 Td (539) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 288.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 276.30 288.73 Td (2,311) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 307.60 288.73 Td (\(3,958) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 288.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 288.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 396.25 288.73 Td (3,407) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 436.30 288.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 469.60 288.73 Td (\(1,560) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 288.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.30 288.73 Td (6,951) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 557.60 288.78 Td (\(347) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 288.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 275.73 Td (Other financial liabilities) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 267.73 Td (measured on a recurring) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 259.73 Td (basis) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 163.30 259.75 Td (7) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.30 259.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.60 259.73 Td (\(11) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.30 259.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 259.73 Td (10) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 321.60 259.73 Td (\(4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.30 259.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 365.60 259.73 Td (\(5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 372.30 259.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 410.30 259.73 Td (5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 440.30 259.73 Td (2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 479.60 259.73 Td (\(12) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 259.73 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 518.30 259.73 Td (14) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 565.60 259.78 Td (\(4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 572.30 259.73 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 236.00 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.33 236.00 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 236.00 Td (Changes in fair value for available-for) Tj ET Q q 0 0 0 rg BT 176.23 236.00 Td (-sale investments are recorded in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 283.52 236.00 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 366.31 236.00 Td (ehensive income \(loss\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 438.73 236.00 Td (, unless related to other) Tj ET Q q 0 0 0 rg BT 512.99 236.00 Td (-than-temporary ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 226.40 Td (impairment, while gains and losses from sales are recorded in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 253.27 226.40 Td (Realized gains \(losses\) fr) Tj ET Q q 0 0 0 rg BT 333.64 226.40 Td (om sales of investments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 408.96 226.40 Td ( on the Consolidated Statement of Income.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 216.80 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 216.80 Td (Unrealized gains \(losses\) on MSRs are recorded in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 218.40 216.80 Td (Other r) Tj ET Q q 0 0 0 rg BT 241.88 216.80 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 264.08 216.80 Td ( on the Consolidated Statement of Income.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 207.20 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 207.20 Td (Represents the amount of total gains or losses for the period, included in earnings \(and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 333.04 207.20 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 415.84 207.20 Td (ehensive income \(loss\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 488.25 207.20 Td ( for changes in fair value ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 197.60 Td (of available-for) Tj ET Q q 0 0 0 rg BT 103.37 197.60 Td (-sale investments\), attributable to the change in fair value relating to assets and liabilities classified as Level3 that are still held at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 520.12 197.60 Td (December31, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 188.00 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 70.00 188.00 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 178.40 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 178.40 Td (T) Tj ET Q q 0 0 0 rg BT 58.33 178.40 Td (otal Level3 derivative assets and liabilities have been netted in these tables for presentation purposes only) Tj ET Q q 0 0 0 rg BT 398.15 178.40 Td (.) Tj ET Q endstream endobj 533 0 obj <> endobj 534 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (264) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 713.50 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 132.50 713.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 713.50 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 713.50 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 713.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 713.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 713.50 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 713.50 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 713.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 713.50 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 713.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 713.50 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 663.50 96.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 132.50 663.50 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 663.50 51.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 663.50 40.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 663.50 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 663.50 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 663.50 44.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 663.50 39.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 663.50 35.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 663.50 49.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 663.50 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 663.50 46.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 621.50 96.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 132.50 621.50 36.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 621.50 51.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 621.50 40.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 621.50 34.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 621.50 34.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 621.50 44.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 621.50 39.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 621.50 35.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 621.50 49.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 621.50 36.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 621.50 46.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 579.50 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 132.50 579.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 579.50 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 579.50 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 579.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 579.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 579.50 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 579.50 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 579.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 579.50 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 579.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 579.50 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 545.50 96.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 132.50 545.50 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 545.50 51.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 545.50 40.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 545.50 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 545.50 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 545.50 44.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 545.50 39.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 545.50 35.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 545.50 49.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 545.50 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 545.50 46.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 511.50 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 132.50 511.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 511.50 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 511.50 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 511.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 511.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 511.50 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 511.50 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 511.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 511.50 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 511.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 511.50 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 485.50 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 132.50 485.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 485.50 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 485.50 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 485.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 485.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 485.50 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 485.50 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 485.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 485.50 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 485.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 485.50 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 459.50 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 132.50 459.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 459.50 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 459.50 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 459.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 459.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 459.50 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 459.50 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 459.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 459.50 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 459.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 459.50 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 425.50 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 132.50 425.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 425.50 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 425.50 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 425.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 425.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 425.50 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 425.50 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 425.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 425.50 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 425.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 425.50 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 399.50 96.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 132.50 399.50 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 399.50 51.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 399.50 40.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 399.50 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 399.50 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 399.50 44.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 399.50 39.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 399.50 35.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 399.50 49.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 399.50 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 399.50 46.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 365.50 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 132.50 365.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 365.50 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 365.50 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 365.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 365.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 365.50 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 365.50 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 365.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 365.50 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 365.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 365.50 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 339.50 96.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 132.50 339.50 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 339.50 51.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 339.50 40.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 339.50 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 339.50 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 339.50 44.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 339.50 39.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 339.50 35.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 339.50 49.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 339.50 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 339.50 46.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 305.50 96.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 132.50 305.50 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 305.50 51.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 305.50 40.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 305.50 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 305.50 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 305.50 44.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 305.50 39.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 305.50 35.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 305.50 49.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 305.50 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 305.50 46.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 255.50 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 132.50 255.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 255.50 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 255.50 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 255.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 255.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 255.50 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 255.50 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 255.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 255.50 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 255.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 255.50 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 229.50 96.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 132.50 229.50 36.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 229.50 51.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 229.50 40.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 229.50 34.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 229.50 34.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 229.50 44.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 229.50 39.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 229.50 35.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 229.50 49.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 229.50 36.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 229.50 46.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 179.50 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 132.50 179.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 179.50 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 179.50 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 179.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 179.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 179.50 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 179.50 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 179.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 179.50 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 179.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 179.50 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 153.50 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 132.50 153.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 153.50 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 153.50 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 153.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 153.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 153.50 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 153.50 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 153.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 153.50 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 153.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 153.50 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 127.50 96.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 132.50 127.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 127.50 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 127.50 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 127.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 127.50 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 127.50 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 127.50 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 127.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 127.50 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 127.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 127.50 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 101.50 96.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 132.50 101.50 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 101.50 51.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 101.50 40.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 101.50 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 101.50 34.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 101.50 44.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 101.50 39.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 101.50 35.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 101.50 49.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 101.50 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 101.50 46.00 -21.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 734.5 m 219.5 734.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 734.5 m 259.5 734.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 734.5 m 293.5 734.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 734.5 m 327.5 734.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 713.5 m 132.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.5 713.5 m 168.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 713.5 m 219.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 713.5 m 259.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 713.5 m 293.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 713.5 m 327.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 713.5 m 371.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 713.5 m 410.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 713.5 m 445.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 713.5 m 494.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 713.5 m 530.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530.5 713.5 m 576.5 713.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 566.5 m 132.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 545.5 m 132.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.5 566.5 m 168.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.5 545.5 m 168.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 566.5 m 219.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 545.5 m 219.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 566.5 m 259.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 545.5 m 259.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 566.5 m 293.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 545.5 m 293.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 566.5 m 327.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 545.5 m 327.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 566.5 m 371.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 545.5 m 371.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 566.5 m 410.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 545.5 m 410.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 566.5 m 445.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 545.5 m 445.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 566.5 m 494.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 545.5 m 494.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 566.5 m 530.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 545.5 m 530.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530.5 566.5 m 576.5 566.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530.5 545.5 m 576.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 545.5 m 132.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.5 545.5 m 168.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 545.5 m 219.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 545.5 m 259.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 545.5 m 293.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 545.5 m 327.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 545.5 m 371.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 545.5 m 410.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 545.5 m 445.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 545.5 m 494.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 545.5 m 530.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530.5 545.5 m 576.5 545.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 446.5 m 132.5 446.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 425.5 m 132.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.5 446.5 m 168.5 446.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.5 425.5 m 168.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 446.5 m 219.5 446.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 425.5 m 219.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 446.5 m 259.5 446.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 425.5 m 259.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 446.5 m 293.5 446.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 425.5 m 293.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 446.5 m 327.5 446.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 425.5 m 327.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 446.5 m 371.5 446.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 425.5 m 371.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 446.5 m 410.5 446.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 425.5 m 410.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 446.5 m 445.5 446.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 425.5 m 445.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 446.5 m 494.5 446.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 425.5 m 494.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 446.5 m 530.5 446.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 425.5 m 530.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530.5 446.5 m 576.5 446.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530.5 425.5 m 576.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 425.5 m 132.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.5 425.5 m 168.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 425.5 m 219.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 425.5 m 259.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 425.5 m 293.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 425.5 m 327.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 425.5 m 371.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 425.5 m 410.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 425.5 m 445.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 425.5 m 494.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 425.5 m 530.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530.5 425.5 m 576.5 425.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.5 339.5 m 168.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 339.5 m 219.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 339.5 m 259.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 339.5 m 293.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 339.5 m 327.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 339.5 m 371.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 339.5 m 410.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 339.5 m 445.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 339.5 m 494.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 339.5 m 530.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530.5 339.5 m 576.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 339.5 m 132.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 318.5 m 132.5 318.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.5 339.5 m 168.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.5 318.5 m 168.5 318.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 339.5 m 219.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 318.5 m 219.5 318.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 339.5 m 259.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 318.5 m 259.5 318.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 339.5 m 293.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 318.5 m 293.5 318.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 339.5 m 327.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 318.5 m 327.5 318.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 339.5 m 371.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 318.5 m 371.5 318.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 339.5 m 410.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 318.5 m 410.5 318.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 339.5 m 445.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 318.5 m 445.5 318.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 339.5 m 494.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 318.5 m 494.5 318.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 339.5 m 530.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 318.5 m 530.5 318.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530.5 339.5 m 576.5 339.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530.5 318.5 m 576.5 318.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 229.5 m 132.5 229.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 200.5 m 132.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.5 229.5 m 168.5 229.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.5 200.5 m 168.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 229.5 m 219.5 229.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 200.5 m 219.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 229.5 m 259.5 229.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 200.5 m 259.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 229.5 m 293.5 229.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 200.5 m 293.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 229.5 m 327.5 229.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 200.5 m 327.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 229.5 m 371.5 229.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 200.5 m 371.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 229.5 m 410.5 229.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 200.5 m 410.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 229.5 m 445.5 229.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 200.5 m 445.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 229.5 m 494.5 229.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 200.5 m 494.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 229.5 m 530.5 229.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 200.5 m 530.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530.5 229.5 m 576.5 229.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530.5 200.5 m 576.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 80.5 m 132.5 80.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 67.5 m 132.5 67.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.5 80.5 m 168.5 80.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 132.5 67.5 m 168.5 67.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 80.5 m 219.5 80.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 67.5 m 219.5 67.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 80.5 m 259.5 80.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 67.5 m 259.5 67.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 80.5 m 293.5 80.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 67.5 m 293.5 67.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 80.5 m 327.5 80.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 67.5 m 327.5 67.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 80.5 m 371.5 80.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 67.5 m 371.5 67.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 80.5 m 410.5 80.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 67.5 m 410.5 67.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 80.5 m 445.5 80.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 67.5 m 445.5 67.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 80.5 m 494.5 80.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 67.5 m 494.5 67.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 80.5 m 530.5 80.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 67.5 m 530.5 67.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530.5 80.5 m 576.5 80.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530.5 67.5 m 576.5 67.5 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 738.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 135.00 738.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 173.95 746.73 Td (Net realized/unrealized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 178.80 738.73 Td (gains \(losses\) incl. in) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 276.60 738.73 Td (Transfers) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 330.00 738.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 374.00 738.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 413.00 738.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 448.00 738.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 497.00 738.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 534.40 741.73 Td (Unr) Tj ET Q q 0 0 0 rg BT 548.03 741.73 Td (ealized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 544.10 733.73 Td (gains) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 540.75 725.73 Td (\(losses\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.40 717.73 Td (still held) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 564.52 721.36 Td (\(3\)) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 717.75 Td (In millions of dollars) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 136.55 725.75 Td (Dec. 31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 142.00 717.75 Td (2013) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 177.70 725.73 Td (Principal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 172.60 717.73 Td (transactions) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.70 717.73 Td (Other) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 243.14 721.36 Td (\(1\)\(2\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 269.30 725.73 Td (into) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 263.65 717.73 Td (Level 3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.10 725.73 Td (out of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 297.65 717.73 Td (Level 3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 331.70 717.73 Td (Purchases) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 374.25 717.73 Td (Issuances) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 418.80 717.73 Td (Sales) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 449.70 717.73 Td (Settlements) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 498.55 725.73 Td (Dec. 31, ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 504.00 717.73 Td (2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 704.73 Td (Assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 135.00 704.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.00 704.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 222.00 704.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.00 704.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.00 704.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.00 704.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.00 704.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.00 704.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.00 704.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.00 704.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.00 704.75 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 691.73 Td (Federal funds sold and) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 683.73 Td (securities borrowed or) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 675.73 Td (purchased under) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 667.73 Td (agreements to resell) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 135.00 667.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 147.30 667.75 Td (3,566) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.00 667.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 205.60 667.75 Td (\(61) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.30 667.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 222.00 667.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 667.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.00 667.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 667.75 Td (84) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.00 667.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.60 667.75 Td (\(8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 667.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.00 667.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 667.75 Td (75) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.00 667.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 667.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.00 667.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.30 667.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.00 667.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.60 667.75 Td (\(258) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 667.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.00 667.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.30 667.75 Td (3,398) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.00 667.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 561.30 667.75 Td (133) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 654.73 Td (Trading non-derivative) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 646.73 Td (assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 135.00 646.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.00 646.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 222.00 646.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.00 646.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.00 646.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.00 646.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.00 646.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.00 646.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.00 646.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.00 646.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.00 646.75 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 633.73 Td (Trading mortgage-) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 625.73 Td (backed securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 135.00 625.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.00 625.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 222.00 625.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.00 625.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.00 625.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.00 625.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.00 625.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.00 625.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.00 625.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.00 625.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.00 625.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 57.00 612.75 Td (U.S. government-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 57.00 604.75 Td (sponsored agency) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 57.00 596.75 Td (guaranteed) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 147.30 596.75 Td (1,094) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.30 596.75 Td (117) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 596.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.30 596.75 Td (854) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.60 596.75 Td (\(966) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 596.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 596.75 Td (714) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 596.75 Td (26) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.60 596.75 Td (\(695) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 596.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 480.60 596.75 Td (\(59) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 596.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.30 596.75 Td (1,085) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 569.30 596.75 Td (8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 57.00 583.75 Td (Residential) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 147.30 583.75 Td (2,854) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.30 583.75 Td (457) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 583.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.30 583.75 Td (442) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.60 583.75 Td (\(514) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 583.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 350.25 583.75 Td (2,582) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 583.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.60 583.75 Td (\(3,141) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 583.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 583.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.30 583.75 Td (2,680) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 561.30 583.75 Td (132) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 57.00 570.75 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 153.30 570.75 Td (256) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 570.75 Td (17) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 570.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.30 570.75 Td (187) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.60 570.75 Td (\(376) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 570.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 570.75 Td (758) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 570.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.60 570.75 Td (\(402) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 570.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 570.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.30 570.75 Td (440) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 566.60 570.80 Td (\(4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 573.30 570.75 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 557.73 Td (Total trading mortgage-) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 549.73 Td (backed securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 135.00 549.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 147.30 549.75 Td (4,204) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.00 549.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.30 549.75 Td (591) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 222.00 549.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 549.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.00 549.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 272.30 549.75 Td (1,483) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.00 549.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.60 549.75 Td (\(1,856) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 549.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.00 549.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 350.25 549.75 Td (4,054) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.00 549.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 549.75 Td (26) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.00 549.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.60 549.75 Td (\(4,238) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 549.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.00 549.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 480.60 549.75 Td (\(59) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 549.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.00 549.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.30 549.75 Td (4,205) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.00 549.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 561.30 549.75 Td (136) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 536.73 Td (U.S. Treasury and) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 528.73 Td (federal agency securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 135.00 528.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 157.30 528.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.00 528.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 212.30 528.75 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 222.00 528.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 528.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.00 528.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 528.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.00 528.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.30 528.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.00 528.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.30 528.75 Td (7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.00 528.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 528.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.00 528.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 431.60 528.75 Td (\(10) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 528.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.00 528.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 528.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.00 528.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.30 528.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.00 528.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.30 528.75 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 515.73 Td (State and municipal) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 153.30 515.75 Td (222) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 515.75 Td (10) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 515.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.30 515.75 Td (150) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.60 515.75 Td (\(105) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 515.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 515.75 Td (34) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 515.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 431.60 515.75 Td (\(70) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 515.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 515.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.30 515.75 Td (241) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 569.30 515.75 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 502.73 Td (Foreign government) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 153.30 502.75 Td (416) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 205.60 502.75 Td (\(56) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.30 502.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 502.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.30 502.75 Td (130) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.60 502.75 Td (\(253) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 502.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 502.75 Td (676) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 502.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.60 502.75 Td (\(707) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 502.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 502.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.30 502.75 Td (206) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 569.30 502.75 Td (5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 489.73 Td (Corporate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 147.30 489.75 Td (1,835) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 201.60 489.75 Td (\(127) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.30 489.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 489.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.30 489.75 Td (465) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.60 489.75 Td (\(502) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 489.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 350.25 489.75 Td (1,988) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 489.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.60 489.75 Td (\(2,839) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 489.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 489.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.30 489.75 Td (820) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 558.60 489.80 Td (\(139) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 573.30 489.75 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 476.73 Td (Equity securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 147.30 476.75 Td (1,057) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 476.75 Td (87) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 476.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.30 476.75 Td (142) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.60 476.75 Td (\(209) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 476.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 350.25 476.75 Td (1,437) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 476.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.60 476.75 Td (\(295) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 476.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 476.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.30 476.75 Td (2,219) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 561.30 476.75 Td (337) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 463.73 Td (Asset-backed securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 147.30 463.75 Td (4,342) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.30 463.75 Td (876) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 463.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.30 463.75 Td (158) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.60 463.75 Td (\(332) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 463.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 350.25 463.75 Td (3,893) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 463.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.60 463.75 Td (\(5,643) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 463.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 463.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.30 463.75 Td (3,294) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 569.30 463.75 Td (3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 450.73 Td (Othertradingassets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 147.30 450.75 Td (3,184) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.30 450.75 Td (269) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 450.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 272.30 450.75 Td (2,637) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.60 450.75 Td (\(2,278) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 450.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 350.25 450.75 Td (5,427) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 450.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.60 450.75 Td (\(4,490) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 450.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.60 450.75 Td (\(377) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 450.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.30 450.75 Td (4,372) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.30 450.75 Td (31) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 437.73 Td (Total trading non-) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 429.73 Td (derivative assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 135.00 429.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 143.30 429.75 Td (15,260) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.00 429.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 198.30 429.75 Td (1,653) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 222.00 429.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 429.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.00 429.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 272.30 429.75 Td (5,165) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.00 429.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.60 429.75 Td (\(5,535) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 429.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.00 429.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.25 429.75 Td (17,516) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.00 429.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 429.75 Td (26) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.00 429.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.60 429.75 Td (\(18,292) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 429.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.00 429.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.60 429.75 Td (\(436) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 429.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.00 429.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.30 429.75 Td (15,357) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.00 429.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 561.30 429.75 Td (374) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 416.73 Td (T) Tj ET Q q 0 0 0 rg BT 43.74 416.73 Td (rading derivatives, net) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 120.40 420.36 Td (\(4\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 403.75 Td (Interest rate contracts) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 135.00 403.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 153.30 403.75 Td (839) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.00 403.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 201.60 403.75 Td (\(818) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.30 403.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 222.00 403.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 403.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.00 403.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 403.75 Td (24) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.00 403.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.60 403.75 Td (\(98) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 403.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.00 403.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 403.75 Td (113) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.00 403.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 403.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.00 403.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.60 403.75 Td (\(162) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 403.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.00 403.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.60 403.75 Td (\(109) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 403.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.00 403.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.60 403.75 Td (\(211) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.30 403.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.00 403.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 558.60 403.80 Td (\(414) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 573.30 403.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 390.75 Td (Foreign exchange) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 382.75 Td (contracts) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 153.30 382.75 Td (695) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 382.75 Td (92) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 382.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 382.75 Td (47) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.60 382.75 Td (\(39) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 382.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 382.75 Td (59) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 382.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 431.60 382.75 Td (\(59) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 382.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 480.60 382.75 Td (\(17) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 382.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.30 382.75 Td (778) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.30 382.75 Td (56) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 369.75 Td (Equity contracts) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 150.60 369.75 Td (\(858) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.30 369.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.30 369.75 Td (482) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 369.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 275.60 369.75 Td (\(916) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 290.30 369.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.30 369.75 Td (766) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 369.75 Td (435) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 369.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.60 369.75 Td (\(279) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 369.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.60 369.75 Td (\(493) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 369.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.60 369.75 Td (\(863) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.30 369.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 558.60 369.80 Td (\(274) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 573.30 369.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 356.75 Td (Commodity contracts) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 144.60 356.75 Td (\(1,393) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.30 356.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 201.60 356.75 Td (\(338) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.30 356.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 356.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 356.75 Td (92) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.60 356.75 Td (\(12) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 356.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 356.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 356.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.30 356.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 356.75 Td (29) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 506.60 356.75 Td (\(1,622) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.30 356.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 558.60 356.80 Td (\(174) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 573.30 356.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 45.00 343.75 Td (Credit derivatives) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 150.60 343.75 Td (\(274) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.30 343.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 201.60 343.75 Td (\(567) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.30 343.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 343.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.30 343.75 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.60 343.75 Td (\(156) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 343.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 343.75 Td (103) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 343.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 435.60 343.75 Td (\(3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 343.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 343.75 Td (150) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.60 343.75 Td (\(743) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.30 343.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 558.60 343.80 Td (\(369) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 573.30 343.75 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 330.73 Td (T) Tj ET Q q 0 0 0 rg BT 43.60 330.73 Td (otal trading derivatives, ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 322.73 Td (net) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 49.66 326.36 Td (\(4\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 135.00 322.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 150.60 322.75 Td (\(991) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.30 322.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.00 322.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 195.60 322.75 Td (\(1,149) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.30 322.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 222.00 322.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 322.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.00 322.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 275.60 322.75 Td (\(749) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 290.30 322.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.00 322.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.30 322.75 Td (461) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.00 322.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 322.75 Td (710) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.00 322.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 322.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.00 322.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.60 322.75 Td (\(503) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 322.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.00 322.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.60 322.75 Td (\(440) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 322.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.00 322.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 506.60 322.75 Td (\(2,661) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.30 322.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.00 322.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 552.60 322.80 Td (\(1,175) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 573.30 322.75 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 39.00 309.73 Td (Investments) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 296.73 Td (Mortgage-backed) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 288.73 Td (securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 57.00 275.75 Td (U.S. government-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 57.00 267.75 Td (sponsored agency) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 57.00 259.75 Td (guaranteed) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 135.00 259.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 153.30 259.75 Td (187) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.00 259.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 259.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 222.00 259.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 259.75 Td (52) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.00 259.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 259.75 Td (60) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.00 259.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.60 259.75 Td (\(203) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 259.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.00 259.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 259.75 Td (17) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.00 259.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 259.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.00 259.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 431.60 259.75 Td (\(73) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 259.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.00 259.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.60 259.75 Td (\(2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 259.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.00 259.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.30 259.75 Td (38) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.00 259.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 566.60 259.80 Td (\(8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 573.30 259.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 57.00 246.75 Td (Residential) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 153.30 246.75 Td (102) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 246.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 246.75 Td (33) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 246.75 Td (31) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.60 246.75 Td (\(2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 246.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 246.75 Td (17) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 246.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.60 246.75 Td (\(173) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 246.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 246.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.30 246.75 Td (8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.30 246.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 57.00 233.75 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 157.30 233.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 233.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 249.60 233.75 Td (\(6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 256.30 233.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.30 233.75 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.60 233.75 Td (\(7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 233.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 233.75 Td (10) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 233.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.30 233.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 233.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.30 233.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.30 233.75 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 220.73 Td (Total investment) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 212.73 Td (mortgage-backed) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 204.73 Td (securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 135.00 204.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 153.30 204.75 Td (289) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.00 204.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 204.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 222.00 204.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 204.75 Td (79) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.00 204.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 204.75 Td (95) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.00 204.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.60 204.75 Td (\(212) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 204.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.00 204.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 204.75 Td (44) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.00 204.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 204.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.00 204.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.60 204.75 Td (\(246) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 204.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.00 204.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.60 204.75 Td (\(2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 204.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.00 204.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.30 204.75 Td (47) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.00 204.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 566.60 204.80 Td (\(8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 573.30 204.75 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 191.73 Td (U.S. Treasury and) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 183.73 Td (federal agency securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 135.00 183.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 161.30 183.75 Td (8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.00 183.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 183.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 222.00 183.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 183.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.00 183.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 183.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.00 183.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.30 183.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.00 183.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 183.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.00 183.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 183.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.00 183.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 435.60 183.75 Td (\(2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 183.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.00 183.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 183.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.00 183.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.30 183.75 Td (6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.00 183.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.30 183.75 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 170.73 Td (State and municipal) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 147.30 170.75 Td (1,643) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 170.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 245.60 170.75 Td (\(64) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 256.30 170.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.30 170.75 Td (811) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.60 170.75 Td (\(584) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 170.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 170.75 Td (923) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 170.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.60 170.75 Td (\(549) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 170.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 170.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.30 170.75 Td (2,180) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.30 170.75 Td (49) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 157.73 Td (Foreign government) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 153.30 157.75 Td (344) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 157.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 245.60 157.75 Td (\(27) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 256.30 157.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.30 157.75 Td (286) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.60 157.75 Td (\(105) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 157.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 157.75 Td (851) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 157.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.60 157.75 Td (\(490) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 157.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.60 157.75 Td (\(181) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 157.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.30 157.75 Td (678) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 562.60 157.80 Td (\(17) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 573.30 157.75 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 144.73 Td (Corporate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 153.30 144.75 Td (285) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 144.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 249.60 144.75 Td (\(6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 256.30 144.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 144.75 Td (26) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.60 144.75 Td (\(143) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 144.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 144.75 Td (728) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 144.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.60 144.75 Td (\(218) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 144.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 144.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.30 144.75 Td (672) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 566.60 144.80 Td (\(4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 573.30 144.75 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 131.73 Td (Equity securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 153.30 131.75 Td (815) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 131.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 244.25 131.75 Td (111) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 131.75 Td (19) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.60 131.75 Td (\(19) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 131.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 131.75 Td (10) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 131.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.60 131.75 Td (\(255) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 131.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 131.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.30 131.75 Td (681) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 562.60 131.80 Td (\(78) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 573.30 131.75 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 118.73 Td (Asset-backed securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 147.30 118.75 Td (1,960) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 118.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 118.75 Td (41) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 118.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.60 118.75 Td (\(47) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 118.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 118.75 Td (95) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 118.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.60 118.75 Td (\(195) Tj ET Q BT 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(\(115) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 105.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 480.60 105.75 Td (\(50) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 105.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.30 105.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.30 105.75 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 92.73 Td (Non-marketable equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 45.00 84.73 Td (securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 147.30 84.75 Td (2,508) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.30 84.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 244.25 84.75 Td (211) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 84.75 Td (67) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.30 84.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.25 84.75 Td (416) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.25 84.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.60 84.75 Td (\(768) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.30 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(transactions) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 225.70 717.73 Td (Other) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 246.14 721.36 Td (\(1\)\(2\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 273.30 725.73 Td (into) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 267.65 717.73 Td (Level 3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 304.10 725.73 Td (out of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 301.65 717.73 Td (Level 3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 335.70 717.73 Td (Purchases) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 378.75 717.73 Td (Issuances) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.80 717.73 Td (Sales) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 448.70 717.73 Td (Settlements) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 497.55 725.73 Td (Dec. 31, ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 503.00 717.73 Td (2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 704.73 Td (Loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 137.00 704.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.30 704.75 Td (4,143) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 173.00 704.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.30 704.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 224.00 704.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 245.60 704.75 Td (\(233) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.30 704.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.00 704.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.30 704.75 Td (92) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 300.00 704.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 324.30 704.75 Td (6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 334.00 704.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.25 704.75 Td (951) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 378.00 704.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.25 704.75 Td (197) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 418.00 704.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.60 704.75 Td (\(895) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.30 704.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 447.00 704.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.60 704.75 Td (\(1,153) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.30 704.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 496.00 704.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.30 704.75 Td (3,108) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 532.00 704.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 564.30 704.75 Td (37) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 691.73 Td (Mortgage servicing rights) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.30 691.75 Td (2,718) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.30 691.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 245.60 691.75 Td (\(390) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.30 691.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.30 691.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.30 691.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.30 691.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.25 691.75 Td (217) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.60 691.75 Td (\(317) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.30 691.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.60 691.75 Td (\(383) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.30 691.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.30 691.75 Td (1,845) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 557.60 691.80 Td (\(390) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 572.30 691.75 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 678.73 Td (Other financial assets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 670.73 Td (measured on a recurring) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 662.73 Td (basis) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 155.30 662.75 Td (181) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.30 662.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 662.75 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 283.60 662.75 Td (\(83) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 294.30 662.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.30 662.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 368.30 662.75 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.25 662.75 Td (178) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 430.60 662.75 Td (\(18) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.30 662.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.60 662.75 Td (\(283) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.30 662.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 518.30 662.75 Td (78) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 564.30 662.75 Td (14) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 649.73 Td (Liabilities) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 636.73 Td (Interest-bearing deposits) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 137.00 636.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 155.30 636.75 Td (890) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 173.00 636.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.30 636.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 224.00 636.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 636.75 Td (357) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.00 636.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 290.30 636.75 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 300.00 636.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.60 636.75 Td (\(12) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.30 636.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 334.00 636.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.30 636.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 378.00 636.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.25 636.75 Td (127) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 418.00 636.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.30 636.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 447.00 636.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.60 636.75 Td (\(167) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.30 636.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 496.00 636.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.30 636.75 Td (486) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 532.00 636.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 561.60 636.80 Td (\(69) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 572.30 636.75 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 624.58 Td (Federal funds purchased) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 616.58 Td (and securities loaned or) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 608.58 Td (sold under agreements to) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 600.63 Td (repurchase) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 155.30 602.75 Td (902) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 211.60 602.75 Td (\(6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 218.30 602.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.30 602.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.30 602.75 Td (54) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.30 602.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.30 602.75 Td (78) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 404.25 602.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 602.75 Td (220) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.60 602.75 Td (\(217) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.30 602.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.30 602.75 Td (1,043) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 561.60 602.80 Td (\(34) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 572.30 602.75 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 589.73 Td (Trading account liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 44.00 577.45 Td (Securities sold, not yet) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 44.00 569.45 Td (purchased) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 155.30 570.75 Td (590) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 207.60 570.75 Td (\(81) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 218.30 570.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.30 570.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.30 570.75 Td (79) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 313.60 570.75 Td (\(111) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.30 570.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.30 570.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 404.25 570.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 570.75 Td (534) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.60 570.75 Td (\(749) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.30 570.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.30 570.75 Td (424) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 561.60 570.80 Td (\(58) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 572.30 570.75 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 557.73 Td (Short-term borrowings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.30 557.75 Td (29) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 207.60 557.75 Td (\(31) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 218.30 557.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.30 557.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 557.75 Td (323) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.60 557.75 Td (\(12) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.30 557.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.30 557.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 404.25 557.75 Td (49) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.30 557.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.60 557.75 Td (\(76) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.30 557.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.30 557.75 Td (344) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.60 557.80 Td (\(8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 572.30 557.75 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 544.73 Td (Long-term debt) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 149.30 544.75 Td (7,621) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 206.30 544.75 Td (109) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.30 544.75 Td (49) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 544.75 Td (2,701) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 307.60 544.75 Td (\(4,206) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.30 544.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.30 544.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.25 544.75 Td (3,893) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.30 544.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.60 544.75 Td (\(2,561) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.30 544.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.30 544.75 Td (7,290) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 557.60 544.80 Td (\(446) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 572.30 544.75 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 532.58 Td (Other financial liabilities) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 524.58 Td (measured on a recurring) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 38.00 516.58 Td (basis) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 159.30 517.75 Td (10) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.30 517.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 253.60 517.75 Td (\(5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.30 517.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 290.30 517.75 Td (7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 321.60 517.75 Td (\(3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.30 517.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.60 517.75 Td (\(2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 372.30 517.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 408.30 517.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.60 517.75 Td (\(3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.30 517.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.60 517.75 Td (\(8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.30 517.75 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 522.30 517.75 Td (7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 565.60 517.80 Td (\(4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 572.30 517.75 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 494.00 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.33 494.00 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 494.00 Td (Changes in fair value of available-for) Tj ET Q q 0 0 0 rg BT 173.57 494.00 Td (-sale investments are recorded in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 280.86 494.00 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 363.65 494.00 Td (ehensive income \(loss\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 436.07 494.00 Td (, unless related to other) Tj ET Q q 0 0 0 rg BT 510.33 494.00 Td (-than-temporary ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 484.40 Td (impairment, while gains and losses from sales are recorded in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 253.27 484.40 Td (Realized gains \(losses\) fr) Tj ET Q q 0 0 0 rg BT 333.64 484.40 Td (om sales of investments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 408.96 484.40 Td ( on the Consolidated Statement of Income.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 474.80 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 474.80 Td (Unrealized gains \(losses\) on MSRs are recorded in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 218.40 474.80 Td (Other r) Tj ET Q q 0 0 0 rg BT 241.88 474.80 Td (evenue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 264.08 474.80 Td ( on the Consolidated Statement of Income.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 465.20 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 465.20 Td (Represents the amount of total gains or losses for the period, included in earnings \(and ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 333.04 465.20 Td (Accumulated other compr) Tj ET Q q 0 0 0 rg BT 415.84 465.20 Td (ehensive income \(loss\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 488.25 465.20 Td ( for changes in fair value ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 455.60 Td (of available-for) Tj ET Q q 0 0 0 rg BT 103.37 455.60 Td (-sale investments\), attributable to the change in fair value relating to assets and liabilities classified as Level3 that are still held at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 520.12 455.60 Td (December31, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 446.00 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 70.00 446.00 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 436.40 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 436.40 Td (T) Tj ET Q q 0 0 0 rg BT 58.33 436.40 Td (otal Level3 derivative assets and liabilities have been netted in these tables for presentation purposes only) Tj ET Q q 0 0 0 rg BT 398.15 436.40 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 403.40 Td (Level3 Fair) Tj ET Q q 0 0 0 rg BT 87.47 403.40 Td ( ) Tj ET Q q 0 0 0 rg BT 89.79 403.40 Td (V) Tj ET Q q 0 0 0 rg BT 96.09 403.40 Td (alue Rollforward ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 391.40 Td (The following were the significant Level 3 transfers for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 379.40 Td (period December 31, 2014 to December 31, 2015: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 367.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 367.40 Td (T) Tj ET Q q 0 0 0 rg BT 59.76 367.40 Td (ransfers of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 104.74 367.40 Td (Federal Funds sold and securities borr) Tj ET Q q 0 0 0 rg BT 261.30 367.40 Td (owed ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 355.40 Td (or pur) Tj ET Q q 0 0 0 rg BT 78.91 355.40 Td (chased under agr) Tj ET Q q 0 0 0 rg BT 148.53 355.40 Td (eements to r) Tj ET Q q 0 0 0 rg BT 197.04 355.40 Td (esell) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.36 355.40 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.69 355.40 Td ($2.9 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.81 355.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.31 355.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 343.40 Td (from Level 3 to Level 2 related to shortening of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 331.40 Td (remaining tenor of certain reverse repos. ) Tj ET Q q 0 0 0 rg BT 218.47 331.40 Td (There is more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 319.40 Td (transparency and observability for repo curves used in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 307.40 Td (valuation of structured reverse repos with tenors up to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 295.40 Td (five) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.55 295.40 Td ( years; thus, these positions are generally classified as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 283.40 Td (Level 2. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 271.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 271.40 Td (T) Tj ET Q q 0 0 0 rg BT 59.76 271.40 Td (ransfers of U.S. government-sponsored agency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 259.40 Td (guaranteed MBS in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 134.26 259.40 Td (T) Tj ET Q q 0 0 0 rg BT 139.27 259.40 Td (rading account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.49 259.40 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.82 259.40 Td ($0.9 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.93 259.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 247.40 Td (from Level 2 to Level 3, and of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.01 247.40 Td ($1.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.13 247.40 Td ( from Level 3 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 235.40 Td (to Level 2 primarily related to changes in observability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 223.40 Td (due to market trading activity) Tj ET Q q 0 0 0 rg BT 171.65 223.40 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 211.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 211.40 Td (T) Tj ET Q q 0 0 0 rg BT 59.76 211.40 Td (ransfers of other trading assets of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.27 211.40 Td ($1.0 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.38 211.40 Td ( from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 199.40 Td (Level 2 to Level 3, and of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.07 199.40 Td ($3.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.19 199.40 Td ( from Level 3 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 187.40 Td (Level 2 primarily related to trading loans for which there ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 175.40 Td (were changes in volume of and transparency into market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 163.40 Td (quotations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 151.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 151.40 Td (T) Tj ET Q q 0 0 0 rg BT 59.76 151.40 Td (ransfers of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 104.74 151.40 Td (Long-term debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.68 151.40 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.01 151.40 Td ($2.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.12 151.40 Td ( from Level 2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 139.40 Td (to Level 3, and of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.31 139.40 Td ($4.0 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.42 139.40 Td ( from Level 3 to Level 2, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 127.40 Td (mainly related to structured debt, reflecting certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 115.40 Td (unobservable inputs becoming less significant and certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 103.40 Td (underlying market inputs being more observable. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 403.40 Td (The following were the significant Level 3 transfers for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 391.40 Td (period December 31, 2013 to December 31, 2014:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 373.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 373.40 Td (T) Tj ET Q q 0 0 0 rg BT 347.76 373.40 Td (ransfers of ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 392.74 373.40 Td (Long-term debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.68 373.40 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.01 373.40 Td ($2.7 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.12 373.40 Td ( from Level 2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 361.40 Td (to Level 3, and of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.31 361.40 Td ($4.2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.42 361.40 Td ( from Level 3 to Level 2, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 349.40 Td (mainly related to structured debt, reflecting changes in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 337.40 Td (significance of unobservable inputs as well as certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 325.40 Td (underlying market inputs becoming less or more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 313.40 Td (observable.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 301.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 301.40 Td (T) Tj ET Q q 0 0 0 rg BT 347.76 301.40 Td (ransfers of other trading assets of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.27 301.40 Td ($2.6 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.38 301.40 Td ( from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 289.40 Td (Level 2 to Level 3, and of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.07 289.40 Td ($2.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.19 289.40 Td ( from Level 3 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 277.40 Td (Level 2, related to trading loans, reflecting changes in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 265.40 Td (volume of market quotations.) Tj ET Q endstream endobj 537 0 obj <> endobj 538 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (266) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (V) Tj ET Q q 0 0 0 rg BT 42.30 742.25 Td (aluation ) Tj ET Q q 0 0 0 rg BT 79.63 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 85.38 742.25 Td (echniques and Inputs for) Tj ET Q q 0 0 0 rg BT 191.63 742.25 Td ( Level3 Fair) Tj ET Q q 0 0 0 rg BT 245.59 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 247.91 742.25 Td (V) Tj ET Q q 0 0 0 rg BT 254.22 742.25 Td (alue ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (Measur) Tj ET Q q 0 0 0 rg BT 68.59 730.25 Td (ements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (The Company) Tj ET Q q 0 0 0 rg BT 95.71 718.25 Td (s Level3 inventory consists of both cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (securities and derivatives of varying complexity) Tj ET Q q 0 0 0 rg BT 227.79 706.25 Td (. ) Tj ET Q q 0 0 0 rg BT 232.61 706.25 Td (The valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (methodologies used to measure the fair value of these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (positions include discounted cash flow analysis, internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (models and comparative analysis. ) Tj ET Q q 0 0 0 rg BT 172.91 670.25 Td (A) Tj ET Q q 0 0 0 rg BT 179.58 670.25 Td ( position is classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (within Level3 of the fair value hierarchy when at least one ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (input is unobservable and is considered significant to its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.25 Td (valuation. ) Tj ET Q q 0 0 0 rg BT 78.03 634.25 Td (The specific reason an input is deemed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.25 Td (unobservable varies. For example, at least one significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 Td (input to the pricing model is not observable in the market, at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.25 Td (least one significant input has been adjusted to make it more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.25 Td (representative of the position being valued, or the price quote ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.25 Td (available does not reflect suf) Tj ET Q q 0 0 0 rg BT 150.77 574.25 Td (ficient trading activities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 742.10 Td (The following tables present the valuation techniques ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 730.10 Td (covering the majority of Level3 inventory and the most ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 718.10 Td (significant unobservable inputs used in Level3 fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 706.10 Td (measurements. Dif) Tj ET Q q 0 0 0 rg BT 399.35 706.10 Td (ferences between this table and amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 694.10 Td (presented in the Level3 Fair ) Tj ET Q q 0 0 0 rg BT 441.00 694.10 Td (V) Tj ET Q q 0 0 0 rg BT 447.12 694.10 Td (alue Rollforward table ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 682.10 Td (represent individually immaterial items that have been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 670.10 Td (measured using a variety of valuation techniques other than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 658.10 Td (those listed.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 554.25 Td (V) Tj ET Q q 0 0 0 rg BT 42.30 554.25 Td (aluation ) Tj ET Q q 0 0 0 rg BT 79.63 554.25 Td (T) Tj ET Q q 0 0 0 rg BT 85.38 554.25 Td (echniques and Inputs for) Tj ET Q q 0 0 0 rg BT 191.63 554.25 Td ( Level3 Fair) Tj ET Q q 0 0 0 rg BT 245.59 554.25 Td ( ) Tj ET Q q 0 0 0 rg BT 247.91 554.25 Td (V) Tj ET Q q 0 0 0 rg BT 254.22 554.25 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 307.08 554.25 Td (ements) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 512.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 512.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 512.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 512.75 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 512.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 512.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 512.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 466.75 138.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 466.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 466.75 85.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 466.75 97.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 466.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 466.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 466.75 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 440.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 440.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 440.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 440.75 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 440.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 440.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 440.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 394.75 138.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 394.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 394.75 85.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 394.75 97.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 394.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 394.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 394.75 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 368.75 138.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 368.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 368.75 85.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 368.75 97.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 368.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 368.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 368.75 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 342.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 342.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 342.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 342.75 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 342.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 342.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 342.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 314.75 138.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 314.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 314.75 85.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 314.75 97.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 314.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 314.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 314.75 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 288.75 138.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 288.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 288.75 85.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 288.75 97.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 288.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 288.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 288.75 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 261.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 261.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 261.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 261.75 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 261.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 261.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 261.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 227.75 138.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 227.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 227.75 85.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 227.75 97.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 227.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 227.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 227.75 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 201.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 201.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 201.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 201.75 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 201.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 201.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 201.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 173.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 173.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 173.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 173.75 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 173.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 173.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 173.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 146.75 138.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 146.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 146.75 85.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 146.75 97.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 146.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 146.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 146.75 67.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 120.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 120.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 120.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 120.75 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 120.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 120.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 120.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 93.75 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 93.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 93.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 93.75 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 93.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 93.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 93.75 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 65.75 138.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 65.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 65.75 85.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 65.75 97.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 65.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 65.75 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 65.75 67.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 512.75 m 174.5 512.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 512.75 m 227.5 512.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 512.75 m 312.5 512.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 512.75 m 409.5 512.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 512.75 m 459.5 512.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 512.75 m 509.5 512.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 512.75 m 576.5 512.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 498.75 m 174.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 498.75 m 227.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 512.75 m 312.5 512.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 498.75 m 312.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 498.75 m 409.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 498.75 m 459.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 498.75 m 509.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 498.75 m 576.5 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 453.75 m 174.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 453.75 m 227.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 453.75 m 312.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 453.75 m 409.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 453.75 m 459.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 453.75 m 509.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 453.75 m 576.5 453.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 426.75 m 174.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 426.75 m 227.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 426.75 m 312.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 426.75 m 409.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 426.75 m 459.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 426.75 m 509.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 426.75 m 576.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 426.75 m 227.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 426.75 m 312.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 426.75 m 409.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 426.75 m 459.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 426.75 m 509.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 426.75 m 576.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 381.75 m 174.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 381.75 m 576.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 381.75 m 227.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 381.75 m 312.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 381.75 m 409.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 381.75 m 459.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 381.75 m 509.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 381.75 m 576.5 381.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 355.75 m 174.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 342.75 m 174.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 355.75 m 227.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 355.75 m 312.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 355.75 m 409.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 355.75 m 459.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 355.75 m 509.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 355.75 m 576.5 355.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 342.75 m 227.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 342.75 m 312.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 342.75 m 409.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 342.75 m 459.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 342.75 m 509.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 342.75 m 576.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 288.75 m 174.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 288.75 m 227.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 288.75 m 312.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 288.75 m 409.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 288.75 m 459.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 288.75 m 509.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 288.75 m 576.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 275.75 m 174.5 275.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 275.75 m 227.5 275.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 275.75 m 312.5 275.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 275.75 m 409.5 275.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 275.75 m 459.5 275.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 275.75 m 509.5 275.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 275.75 m 576.5 275.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 275.75 m 409.5 275.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 247.75 m 174.5 247.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 247.75 m 227.5 247.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 247.75 m 312.5 247.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 247.75 m 409.5 247.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 247.75 m 459.5 247.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 247.75 m 509.5 247.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 247.75 m 576.5 247.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 159.75 m 174.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 159.75 m 409.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 159.75 m 459.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 159.75 m 509.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 159.75 m 576.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 159.75 m 227.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 159.75 m 312.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 159.75 m 409.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 159.75 m 459.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 159.75 m 509.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 159.75 m 576.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 106.75 m 174.5 106.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 106.75 m 227.5 106.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 106.75 m 312.5 106.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 106.75 m 409.5 106.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 106.75 m 459.5 106.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 106.75 m 509.5 106.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 106.75 m 576.5 106.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 65.75 m 174.5 65.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 65.75 m 227.5 65.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 65.75 m 312.5 65.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 65.75 m 459.5 65.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 65.75 m 509.5 65.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 65.75 m 576.5 65.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 65.75 m 227.5 65.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 65.75 m 312.5 65.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 65.75 m 409.5 65.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 65.75 m 459.5 65.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 65.75 m 509.5 65.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 65.75 m 576.5 65.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 517.00 Td (As of December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.50 526.35 Td (Fair) Tj ET Q q 0 0 0 rg BT 193.83 526.35 Td ( value) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 216.58 530.43 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 179.70 517.21 Td ( ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 181.95 517.21 Td (\(in millions\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.25 517.20 Td (Methodology) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.70 517.20 Td (Input) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.65 517.20 Td (Low) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 435.65 521.28 Td (\(2\)\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.65 517.20 Td (High) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 486.66 521.28 Td (\(2\)\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.20 526.20 Td (W) Tj ET Q q 0 0 0 rg BT 532.70 526.20 Td (eighted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.05 517.20 Td (average) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 554.03 521.28 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 503.20 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 503.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 503.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 503.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 503.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 503.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 503.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 489.20 Td (Federal funds sold and securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 480.20 Td (borrowed or purchased under) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 471.20 Td (agreements to resell) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.00 471.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.75 471.20 Td (1,337) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 471.21 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 471.21 Td (IR log-normal volatility) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 471.20 Td (29.02) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 471.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 471.20 Td (137.02) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 471.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 471.20 Td (37.90) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 471.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 458.01 Td (Interest rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 458.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 458.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.25 458.15 Td (2.03) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 458.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 458.15 Td (0.27) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 458.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 445.15 Td (Mortgage-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.00 445.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.75 445.15 Td (1,287) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 445.01 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 445.01 Td (Price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 445.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 445.15 Td (3.45) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.00 445.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 445.15 Td (109.21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.00 445.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 445.15 Td (78.25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.75 431.20 Td (1,377) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 431.21 Td (Yield analysis) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 431.21 Td (Yield) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 431.20 Td (0.50) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 431.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 431.20 Td (14.07) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 431.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 431.20 Td (4.83) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 431.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 417.20 Td (State and municipal, foreign) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 408.20 Td (government, corporate and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 399.20 Td (other debt securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.00 399.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.75 399.20 Td (3,761) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 399.21 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 399.21 Td (Price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 399.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 399.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.00 399.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 399.20 Td (217.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.00 399.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 399.20 Td (79.41) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.75 386.15 Td (1,719) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 386.01 Td (Cash flow) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 386.01 Td (Credit spread) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.20 386.15 Td (20 bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.70 386.15 Td (600 bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.70 386.15 Td (251 bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 373.15 Td (Equity securities) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 103.25 377.23 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.00 373.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.75 373.15 Td (3,499) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 373.01 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 373.01 Td (W) Tj ET Q q 0 0 0 rg BT 322.50 373.01 Td (AL) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.00 373.15 Td (1.5 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.00 373.15 Td (1.5 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.00 373.15 Td (1.5 years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 360.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 360.01 Td (Redemption rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 360.15 Td (41.21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 360.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 360.15 Td (41.21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 360.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 360.15 Td (41.21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 360.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 347.15 Td (Asset-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.00 347.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.75 347.15 Td (3,075) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 347.01 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 347.01 Td (Price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 347.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 347.15 Td (5.55) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.00 347.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 347.15 Td (100.21) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.00 347.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 347.15 Td (71.57) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 333.20 Td (Non-marketable equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.00 333.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.50 333.20 Td (633) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 333.21 Td (Comparables analysis) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 333.21 Td (EBITDA) Tj ET Q q 0 0 0 rg BT 347.50 333.21 Td ( multiples) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 333.20 Td (6.80) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 333.20 Td (x) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 333.20 Td (10.80) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 333.20 Td (x) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 333.20 Td (9.05) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 333.20 Td (x) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.50 319.20 Td (473) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 319.21 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 319.21 Td (Discount to price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 319.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 319.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 319.20 Td (90.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 319.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 319.20 Td (10.89) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 319.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 306.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 306.01 Td (Price-to-book ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 306.15 Td (0.19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 306.15 Td (x) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.25 306.15 Td (1.09) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 306.15 Td (x) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 306.15 Td (0.60) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 306.15 Td (x) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 293.01 Td (Price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 293.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 293.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.00 293.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 293.15 Td (132.78) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.00 293.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 293.15 Td (46.66) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 280.15 Td (Derivativesgr) Tj ET Q q 0 0 0 rg BT 99.82 280.15 Td (oss) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 111.32 284.23 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 266.21 Td (Interest rate contracts \(gross\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.00 266.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.75 266.20 Td (4,553) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 266.21 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 266.21 Td (IR log-normal volatility) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 266.20 Td (17.41) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 266.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 266.20 Td (137.02) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 266.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 266.20 Td (37.60) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 266.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 252.21 Td (Mean reversion) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.25 252.20 Td (\(5.52) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 252.20 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 252.20 Td (20.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 252.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 252.20 Td (0.71) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 252.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 232.21 Td (Foreign exchange contracts \(gross\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.00 232.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.75 232.20 Td (1,326) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 232.21 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 239.01 Td (Foreign exchange \(FX\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 230.06 Td (volatility) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 232.20 Td (0.38) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 232.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 232.20 Td (25.73) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 232.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 232.20 Td (11.63) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 232.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.50 219.15 Td (275) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 219.01 Td (Cash flow) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 219.01 Td (Interest rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 219.15 Td (7.50) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 219.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.25 219.15 Td (7.50) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 219.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 219.15 Td (7.50) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 219.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 206.01 Td (Forward price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 206.15 Td (1.48) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 206.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 206.15 Td (138.09) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 206.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 206.15 Td (56.80) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 206.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 192.21 Td (Credit spread) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.70 192.20 Td (3 bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.70 192.20 Td (515 bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.70 192.20 Td (235 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 178.21 Td (IR-IR correlation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.75 178.20 Td (\(51.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 178.20 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 178.20 Td (77.94) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 178.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 178.20 Td (32.91) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 178.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 164.21 Td (IR-FX correlation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.75 164.20 Td (\(20.30) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 164.20 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 164.20 Td (60.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 164.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 164.20 Td (48.85) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 164.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 151.01 Td (Equity contracts \(gross\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 124.98 155.09 Td (\(7\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.00 151.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.75 151.15 Td (3,976) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 151.01 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 151.01 Td (Equity volatility) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 151.15 Td (11.87) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 151.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 151.15 Td (49.57) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 151.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 151.15 Td (27.33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 151.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 138.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 138.01 Td (Equity-FX correlation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.75 138.15 Td (\(88.17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 138.15 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 138.15 Td (65.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 138.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 540.75 138.15 Td (\(21.09) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 138.15 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 125.01 Td (Equity forward) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 125.15 Td (82.72) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 125.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 125.15 Td (100.53) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 125.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 125.15 Td (95.20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 125.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 111.21 Td (Equity-equity correlation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.75 111.20 Td (\(80.54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 111.20 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 111.20 Td (100.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 111.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 111.20 Td (49.54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 111.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 98.01 Td (Commodity contracts \(gross\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.00 98.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.75 98.15 Td (4,061) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 98.01 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 98.01 Td (Forward price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 98.15 Td (35.09) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 98.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 98.15 Td (299.32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 98.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.25 98.15 Td (112.98) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 98.15 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 84.21 Td (Commodity volatility) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 84.20 Td (5.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 84.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 84.20 Td (83.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 84.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 84.20 Td (24.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 84.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 70.21 Td (Commodity correlation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.75 70.20 Td (\(57.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 70.20 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 70.20 Td (91.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 70.20 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 70.20 Td (30.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 70.20 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 57.01 Td (Credit derivatives \(gross\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.00 57.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.75 57.15 Td (5,849) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 57.01 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 57.01 Td (Recovery rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 57.15 Td (1.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 57.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 57.15 Td (75.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 57.15 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 57.15 Td (32.49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 57.15 Td (%) Tj ET Q endstream endobj 539 0 obj <> endobj 540 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (267) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 724.5 m 174.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 724.5 m 227.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 724.5 m 312.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 724.5 m 409.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 724.5 m 459.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 724.5 m 509.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 724.5 m 576.5 724.5 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 728.75 Td (As of December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.50 738.10 Td (Fair) Tj ET Q q 0 0 0 rg BT 193.83 738.10 Td ( value) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 216.58 742.18 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 179.70 728.96 Td ( ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 181.95 728.96 Td (\(in millions\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.25 728.95 Td (Methodology) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.70 728.95 Td (Input) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.65 728.95 Td (Low) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 435.65 733.03 Td (\(2\)\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.65 728.95 Td (High) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 486.66 733.03 Td (\(2\)\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.20 737.95 Td (W) Tj 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J 0 j 3 M 509.5 672.5 m 576.5 672.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 603.5 m 174.5 603.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 603.5 m 227.5 603.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 603.5 m 312.5 603.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 603.5 m 409.5 603.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 603.5 m 459.5 603.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 603.5 m 509.5 603.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 603.5 m 576.5 603.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 563.5 m 174.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 563.5 m 227.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 563.5 m 312.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 563.5 m 409.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 563.5 m 459.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 563.5 m 509.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 563.5 m 576.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 537.5 m 227.5 537.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 537.5 m 312.5 537.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 537.5 m 409.5 537.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 537.5 m 459.5 537.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 537.5 m 509.5 537.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 537.5 m 576.5 537.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 537.5 m 174.5 537.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 524.5 m 174.5 524.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 537.5 m 227.5 537.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 524.5 m 227.5 524.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 537.5 m 312.5 537.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 524.5 m 312.5 524.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 537.5 m 409.5 537.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 524.5 m 409.5 524.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 537.5 m 459.5 537.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 524.5 m 459.5 524.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 537.5 m 509.5 537.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 524.5 m 509.5 524.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 537.5 m 576.5 537.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 524.5 m 576.5 524.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 469.5 m 174.5 469.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 469.5 m 227.5 469.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 469.5 m 312.5 469.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 469.5 m 409.5 469.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 469.5 m 459.5 469.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 469.5 m 509.5 469.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 469.5 m 576.5 469.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 437.5 m 174.5 437.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 437.5 m 227.5 437.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 437.5 m 312.5 437.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 437.5 m 409.5 437.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 437.5 m 459.5 437.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 437.5 m 509.5 437.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 437.5 m 576.5 437.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 423.5 m 174.5 423.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 423.5 m 227.5 423.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 423.5 m 312.5 423.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 423.5 m 409.5 423.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 423.5 m 459.5 423.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 423.5 m 509.5 423.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 423.5 m 576.5 423.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 409.5 m 174.5 409.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 423.5 m 227.5 423.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 409.5 m 227.5 409.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 423.5 m 312.5 423.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 409.5 m 312.5 409.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 423.5 m 409.5 423.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 409.5 m 409.5 409.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 423.5 m 459.5 423.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 409.5 m 459.5 409.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 423.5 m 509.5 423.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 409.5 m 509.5 409.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 423.5 m 576.5 423.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 409.5 m 576.5 409.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 409.5 m 227.5 409.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 409.5 m 312.5 409.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 409.5 m 409.5 409.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 409.5 m 459.5 409.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 409.5 m 509.5 409.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 409.5 m 576.5 409.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 317.5 m 174.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 317.5 m 227.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 317.5 m 312.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 317.5 m 409.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 317.5 m 459.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 317.5 m 509.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 317.5 m 576.5 317.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.75 715.90 Td (1,424) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 715.76 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 715.76 Td (Credit correlation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 715.90 Td (5.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 715.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 715.90 Td (90.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 715.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 715.90 Td (43.48) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 715.90 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 702.76 Td (Price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 702.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 702.90 Td (0.33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.00 702.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 702.90 Td (101.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.00 702.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 702.90 Td (61.52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 689.76 Td (Credit spread) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.70 689.90 Td (1 bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.70 689.90 Td (967 bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.70 689.90 Td (133 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 676.76 Td (Upfront points) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 676.90 Td (7.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 676.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 676.90 Td (99.92) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 676.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 676.90 Td (66.75) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 676.90 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 662.96 Td (Nontrading derivatives and other ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 653.96 Td (financial assets and liabilities ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 644.96 Td (measured on a recurring basis ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 635.96 Td (\(gross\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 73.00 640.04 Td (\(6\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.00 635.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.50 635.95 Td (194) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 635.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 635.96 Td (Recovery rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 635.95 Td (7.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 635.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 635.95 Td (40.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 635.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 635.95 Td (10.72) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 635.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 621.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 621.96 Td (Redemption rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 621.95 Td (27.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 621.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 621.95 Td (99.50) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 621.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 621.95 Td (74.80) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 621.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 607.96 Td (Interest rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 607.95 Td (5.26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 607.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.25 607.95 Td (5.28) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 607.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 607.95 Td (5.27) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 607.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 594.90 Td (Loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.00 594.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.50 594.90 Td (750) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 594.76 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 594.76 Td (Y) Tj ET Q q 0 0 0 rg BT 321.00 594.76 Td (ield) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 594.90 Td (1.50) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 594.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.25 594.90 Td (4.50) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 594.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 594.90 Td (2.52) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 594.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.50 581.90 Td (892) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 581.76 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 581.76 Td (Price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 581.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 581.90 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.00 581.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 581.90 Td (106.98) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.00 581.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 581.90 Td (40.69) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.50 567.95 Td (524) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 567.96 Td (Cash flow) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 567.96 Td (Credit spread) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.20 567.95 Td (29 bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.70 567.95 Td (500 bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.70 567.95 Td (105 bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 554.90 Td (Mortgage servicing rights) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.00 554.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.75 554.90 Td (1,690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 554.76 Td (Cash flow) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 554.76 Td (Yield) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 554.90 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 554.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 554.90 Td (23.32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 554.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 554.90 Td (6.83) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 554.90 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 541.76 Td (WAL) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.50 541.90 Td (3.38 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.50 541.90 Td (7.48 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.00 541.90 Td (5.5 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 528.90 Td (Liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 515.90 Td (Interest-bearing deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.00 515.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.50 515.90 Td (434) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 515.76 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 515.76 Td (Equity-IR correlation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 515.90 Td (23.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 515.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 515.90 Td (39.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 515.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 515.90 Td (34.51) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 515.90 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 501.96 Td (Forward price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 501.95 Td (35.09) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 501.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 501.95 Td (299.32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 501.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.25 501.95 Td (112.72) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 501.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 487.96 Td (Commodity correlation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.75 487.95 Td (\(57.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 487.95 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 487.95 Td (91.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 487.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 487.95 Td (30.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 487.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 473.96 Td (Commodity volatility) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 473.95 Td (5.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 473.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 473.95 Td (83.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 473.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 473.95 Td (24.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 473.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 459.95 Td (Federal funds purchased and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 450.95 Td (securities loaned or sold under) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 441.95 Td (agreements to repurchase) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.00 441.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.75 441.95 Td (1,245) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 441.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 441.96 Td (Interest rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 441.95 Td (1.27) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 441.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 484.25 441.95 Td (2.02) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 441.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 441.95 Td (1.92) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 441.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 427.95 Td (Trading account liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 413.96 Td (Securities sold, not yet purchased) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.00 413.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.50 413.95 Td (152) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 413.96 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 413.96 Td (Price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 413.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 413.95 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.00 413.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 413.95 Td (217.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.00 413.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 413.95 Td (87.78) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 399.95 Td (Short-term borrowings and long-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 390.95 Td (term debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.00 390.95 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.75 390.95 Td (7,004) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 390.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 390.96 Td (Mean reversion) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.25 390.95 Td (\(5.52) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 390.95 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 390.95 Td (20.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 390.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 390.95 Td (7.80) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 390.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 376.96 Td (Equity volatility) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.25 376.95 Td (9.55) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 376.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 376.95 Td (42.56) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 376.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 376.95 Td (22.26) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 376.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 363.76 Td (Equity forward) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 363.90 Td (82.72) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 363.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 363.90 Td (100.80) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 363.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 363.90 Td (94.48) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 363.90 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 349.96 Td (Equity-equity correlation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.75 349.95 Td (\(80.54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 349.95 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 349.95 Td (100.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 349.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 349.95 Td (49.16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 349.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 335.96 Td (Forward price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.75 335.95 Td (35.09) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 335.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 335.95 Td (299.32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 335.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.25 335.95 Td (106.32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 567.00 335.95 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 321.96 Td (Equity-FX correlation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.75 321.95 Td (\(88.20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.00 321.95 Td (\)%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.75 321.95 Td (56.85) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 500.00 321.95 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 540.75 321.95 Td (\(31.76) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 321.95 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 541 0 obj <> endobj 542 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (268) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 725.50 138.00 -14.00 re f /GS0 gs 0.8 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0.9333333333333333 1 rg /GS0 gs 36.50 251.50 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 251.50 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 251.50 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 251.50 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 251.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 251.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 251.50 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 223.50 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 223.50 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 223.50 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 223.50 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 223.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 223.50 50.00 -14.00 re f /GS0 gs 0.8 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0.9333333333333333 1 rg /GS0 gs 459.50 140.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 140.50 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 112.50 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 112.50 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 112.50 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 112.50 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 112.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 112.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 112.50 67.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 725.5 m 174.5 725.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 725.5 m 227.5 725.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 725.5 m 312.5 725.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 725.5 m 409.5 725.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 725.5 m 459.5 725.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 725.5 m 509.5 725.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 725.5 m 576.5 725.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 711.5 m 174.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 711.5 m 227.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 725.5 m 312.5 725.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 711.5 m 312.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 711.5 m 409.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 711.5 m 459.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 711.5 m 509.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 711.5 m 576.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 711.5 m 174.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 679.5 m 174.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 711.5 m 227.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 679.5 m 227.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 711.5 m 312.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 679.5 m 312.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 711.5 m 409.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 679.5 m 409.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 711.5 m 459.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 679.5 m 459.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 711.5 m 509.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 679.5 m 509.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 711.5 m 576.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 679.5 m 576.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 679.5 m 227.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 679.5 m 312.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 679.5 m 409.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 679.5 m 459.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 679.5 m 509.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 679.5 m 576.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 651.5 m 174.5 651.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 651.5 m 227.5 651.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 651.5 m 312.5 651.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 651.5 m 409.5 651.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 651.5 m 459.5 651.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 651.5 m 509.5 651.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 651.5 m 576.5 651.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 651.5 m 227.5 651.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 651.5 m 312.5 651.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 651.5 m 409.5 651.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 651.5 m 459.5 651.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 651.5 m 509.5 651.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 651.5 m 576.5 651.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 605.5 m 174.5 605.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 605.5 m 227.5 605.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 605.5 m 312.5 605.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 605.5 m 409.5 605.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 605.5 m 459.5 605.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 605.5 m 509.5 605.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 605.5 m 576.5 605.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 605.5 m 227.5 605.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 605.5 m 312.5 605.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 605.5 m 409.5 605.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 605.5 m 459.5 605.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 605.5 m 509.5 605.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 605.5 m 576.5 605.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 563.5 m 174.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 549.5 m 174.5 549.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 563.5 m 227.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 549.5 m 227.5 549.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 563.5 m 312.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 549.5 m 312.5 549.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 563.5 m 409.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 549.5 m 409.5 549.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 563.5 m 459.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 549.5 m 459.5 549.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 563.5 m 509.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 549.5 m 509.5 549.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 563.5 m 576.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 549.5 m 576.5 549.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 493.5 m 174.5 493.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 493.5 m 227.5 493.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 493.5 m 312.5 493.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 493.5 m 409.5 493.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 493.5 m 459.5 493.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 493.5 m 509.5 493.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 493.5 m 576.5 493.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 479.5 m 174.5 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 479.5 m 227.5 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 479.5 m 312.5 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 479.5 m 409.5 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 479.5 m 459.5 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 479.5 m 509.5 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 479.5 m 576.5 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 479.5 m 227.5 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 479.5 m 312.5 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 479.5 m 409.5 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 479.5 m 459.5 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 479.5 m 509.5 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 479.5 m 576.5 479.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 442.5 m 227.5 442.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 442.5 m 312.5 442.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 442.5 m 409.5 442.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 442.5 m 459.5 442.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 442.5 m 509.5 442.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 442.5 m 576.5 442.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 442.5 m 174.5 442.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 442.5 m 227.5 442.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 442.5 m 312.5 442.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 442.5 m 409.5 442.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 442.5 m 459.5 442.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 442.5 m 509.5 442.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 442.5 m 576.5 442.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 391.5 m 174.5 391.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 391.5 m 227.5 391.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 391.5 m 312.5 391.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 391.5 m 409.5 391.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 391.5 m 459.5 391.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 391.5 m 509.5 391.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 391.5 m 576.5 391.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 321.5 m 174.5 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 321.5 m 227.5 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 321.5 m 312.5 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 321.5 m 409.5 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 321.5 m 459.5 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 321.5 m 509.5 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 321.5 m 576.5 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 321.5 m 227.5 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 321.5 m 312.5 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 321.5 m 409.5 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 321.5 m 459.5 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 321.5 m 509.5 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 321.5 m 576.5 321.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 279.5 m 174.5 279.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 279.5 m 227.5 279.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 279.5 m 312.5 279.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 279.5 m 409.5 279.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 279.5 m 459.5 279.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 279.5 m 509.5 279.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 279.5 m 576.5 279.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 279.5 m 227.5 279.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 279.5 m 312.5 279.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 279.5 m 409.5 279.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 279.5 m 459.5 279.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 279.5 m 509.5 279.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 279.5 m 576.5 279.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 209.5 m 174.5 209.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 209.5 m 227.5 209.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 209.5 m 312.5 209.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 209.5 m 409.5 209.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 209.5 m 459.5 209.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 209.5 m 509.5 209.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 209.5 m 576.5 209.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 154.5 m 174.5 154.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 154.5 m 227.5 154.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 154.5 m 312.5 154.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 154.5 m 409.5 154.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 154.5 m 459.5 154.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 154.5 m 509.5 154.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 154.5 m 576.5 154.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 98.5 m 174.5 98.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 98.5 m 227.5 98.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 98.5 m 312.5 98.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 98.5 m 409.5 98.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 98.5 m 459.5 98.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 98.5 m 509.5 98.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 98.5 m 576.5 98.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 98.5 m 227.5 98.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 98.5 m 312.5 98.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 98.5 m 409.5 98.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 98.5 m 459.5 98.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 98.5 m 509.5 98.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 98.5 m 576.5 98.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 98 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 98 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 98 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 98 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 98 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 98 m BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 729.75 Td (As of December 31, 2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.50 739.10 Td (Fair) Tj ET Q q 0 0 0 rg BT 193.83 739.10 Td ( value) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 216.58 743.18 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 179.70 729.96 Td ( ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 181.95 729.96 Td (\(in millions\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.25 729.95 Td (Methodology) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.70 729.95 Td (Input) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.65 729.95 Td (Low) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 435.65 734.03 Td (\(2\)\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.65 729.95 Td (High) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 486.66 734.03 Td (\(2\)\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.20 738.95 Td (W) Tj ET Q q 0 0 0 rg BT 532.70 738.95 Td (eighted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.05 729.95 Td (average) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 554.03 734.03 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 715.95 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 715.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 715.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 715.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 715.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 715.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 715.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 701.95 Td (Federal funds sold and securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 692.95 Td (borrowed or purchased under) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 683.95 Td (agreements to resell) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 683.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.75 683.96 Td (3,156) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 683.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 683.96 Td (Interest rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 683.96 Td (1.27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 683.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.75 683.96 Td (1.97) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 683.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 683.96 Td (1.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 683.96 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 669.95 Td (Mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 669.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.75 669.96 Td (2,874) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 669.96 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 669.96 Td (Price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 669.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 669.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 669.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 669.96 Td (127.87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 669.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 669.96 Td (81.43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.75 655.96 Td (1,117) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 655.96 Td (Yield analysis) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 655.96 Td (Yield) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 655.96 Td (0.01) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 655.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 655.96 Td (19.91) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 655.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 655.96 Td (5.89) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 655.96 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 641.95 Td (State and municipal, foreign) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 632.95 Td (government, corporate and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 623.95 Td (other debt securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 623.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.75 623.96 Td (5,937) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 623.96 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 623.96 Td (Price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 623.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 623.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 623.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 623.96 Td (124.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 623.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 623.96 Td (90.62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.75 609.96 Td (1,860) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 609.96 Td (Cash flow) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 609.96 Td (Credit spread) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.20 609.96 Td (25 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.70 609.96 Td (600 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.70 609.96 Td (233 bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 595.95 Td (Equity securities) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 103.25 600.03 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 595.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.75 595.96 Td (2,163) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 595.96 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 595.96 Td (Price ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 335.74 600.04 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 595.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 595.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 595.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 595.96 Td (141.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 595.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 595.96 Td (91.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.50 581.96 Td (679) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 581.96 Td (Cash flow) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 581.96 Td (Yield) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 581.96 Td (4.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 581.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.75 581.96 Td (5.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 581.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 581.96 Td (4.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 581.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 567.96 Td (WAL) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.00 567.96 Td (0.01 years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 567.96 Td (3.14 years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.00 567.96 Td (1.07 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 553.95 Td (Asset-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 553.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.75 553.96 Td (3,607) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 553.96 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 553.96 Td (Price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 553.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 553.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 553.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 553.96 Td (105.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 553.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 553.96 Td (67.01) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 539.95 Td (Non-marketable equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 539.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.75 539.96 Td (1,224) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 539.96 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 539.96 Td (Discount to price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 539.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 539.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 539.96 Td (90.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 539.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 539.96 Td (4.04) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 539.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.75 525.96 Td (1,055) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 525.96 Td (Comparables analysis) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 525.96 Td (EBITDA multiples) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 525.96 Td (2.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 525.96 Td (x) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 525.96 Td (13.10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 525.96 Td (x) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 525.96 Td (9.77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 525.96 Td (x) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 511.96 Td (PE ratio) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 511.96 Td (8.10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 511.96 Td (x) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 511.96 Td (13.10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 511.96 Td (x) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 511.96 Td (8.43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 511.96 Td (x) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 497.96 Td (Price-to-book ratio) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 497.96 Td (0.99) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 497.96 Td (x) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.75 497.96 Td (1.56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 497.96 Td (x) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 497.96 Td (1.15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 497.96 Td (x) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 483.95 Td (Derivativesgr) Tj ET Q q 0 0 0 rg BT 99.82 483.95 Td (oss) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 111.32 488.03 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 460.96 Td (Interest rate contracts \(gross\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 460.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.75 460.96 Td (8,309) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 460.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 469.96 Td (Interest rate \(IR\) log-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 460.96 Td (normal volatility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 460.96 Td (18.05) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 460.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 460.96 Td (90.65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 460.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 460.96 Td (30.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 460.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 446.96 Td (Mean reversion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 446.96 Td (1.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 446.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 446.96 Td (20.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 446.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 446.96 Td (10.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 446.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 423.96 Td (Foreign exchange contracts \(gross\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 423.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.75 423.96 Td (1,428) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 423.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 432.96 Td (Foreign exchange \(FX\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 423.96 Td (volatility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 423.96 Td (0.37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 423.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 423.96 Td (58.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 423.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 423.96 Td (8.57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 423.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.50 409.96 Td (294) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 409.96 Td (Cash flow) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 409.96 Td (Interest rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 409.96 Td (3.72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 409.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.75 409.96 Td (8.27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 409.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 409.96 Td (5.02) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 409.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 395.96 Td (IR-FX correlation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 395.96 Td (40.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 395.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 395.96 Td (60.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 395.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 395.96 Td (50.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 395.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 381.96 Td (Equity contracts \(gross\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 124.98 386.04 Td (\(7\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 381.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.75 381.96 Td (4,431) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 381.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 381.96 Td (Equity volatility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 381.96 Td (9.56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 381.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 381.96 Td (82.44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 381.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 381.96 Td (24.61) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 381.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.50 367.96 Td (502) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 367.96 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 367.96 Td (Equity forward) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 367.96 Td (84.10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 367.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 367.96 Td (100.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 367.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 367.96 Td (94.10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 367.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 353.96 Td (Equity-FX correlation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 353.96 Td (\(88.20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 353.96 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 353.96 Td (48.70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 353.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.25 353.96 Td (\(25.17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 565.50 353.96 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 339.96 Td (Equity-equity correlation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 339.96 Td (\(66.30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 339.96 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 339.96 Td (94.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 339.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 339.96 Td (36.87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 339.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 325.96 Td (Price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 325.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 325.96 Td (0.01) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 325.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 325.96 Td (144.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 325.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 325.96 Td (93.05) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 311.96 Td (Commodity contracts \(gross\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 311.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.75 311.96 Td (3,606) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 311.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 311.96 Td (Commodity volatility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 311.96 Td (5.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 311.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 311.96 Td (83.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 311.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 311.96 Td (24.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 311.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 297.96 Td (Commodity correlation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 297.96 Td (\(57.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 297.96 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 297.96 Td (91.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 297.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 297.96 Td (30.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 297.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 283.96 Td (Forward price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 283.96 Td (35.34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 283.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 283.96 Td (268.77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 283.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.75 283.96 Td (101.74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 283.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 269.96 Td (Credit derivatives \(gross\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 269.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.75 269.96 Td (4,944) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 269.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 269.96 Td (Recovery rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 269.96 Td (13.97) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 269.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 269.96 Td (75.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 269.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 269.96 Td (37.62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 269.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.75 255.96 Td (1,584) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 255.96 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 255.96 Td (Credit correlation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 255.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 255.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 255.96 Td (95.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 255.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 255.96 Td (58.76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 255.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 241.96 Td (Price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 241.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 241.96 Td (1.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 241.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 241.96 Td (144.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 241.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 241.96 Td (53.86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 227.96 Td (Credit spread) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.70 227.96 Td (1 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.95 227.96 Td (3,380 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.70 227.96 Td (180 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 213.96 Td (Upfront points) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.25 213.96 Td (0.39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 213.96 Td (100.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 213.96 Td (52.26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 199.96 Td (Non-trading derivatives and other ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 190.96 Td (financial assets and liabilities ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 181.96 Td (measured on a recurring basis ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 172.96 Td (\(gross\)) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 73.00 177.04 Td (\(6\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 172.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 215.00 172.96 Td (74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 172.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 172.96 Td (Redemption rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 172.96 Td (13.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 172.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 172.96 Td (99.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 172.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 172.96 Td (68.73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 172.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 158.96 Td (Forward Price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 158.96 Td (107.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 158.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 158.96 Td (107.10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 158.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.75 158.96 Td (107.05) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 158.96 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 144.95 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 144.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.75 144.96 Td (1,095) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 144.96 Td (Cash flow) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 144.96 Td (Yield) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 144.96 Td (1.60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 144.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.75 144.96 Td (4.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 144.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 144.96 Td (2.23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 144.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.50 130.96 Td (832) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 130.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 130.96 Td (Price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 130.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 130.96 Td (4.72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 130.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 130.96 Td (106.55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 130.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 130.96 Td (98.56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.50 116.96 Td (740) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 116.96 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 116.96 Td (Credit spread) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.20 116.96 Td (35 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.70 116.96 Td (500 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.70 116.96 Td (199 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.50 102.96 Td (441) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 102.96 Td (Yield analysis) Tj ET Q endstream endobj 543 0 obj <> endobj 544 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (269) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 724.5 m 174.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 724.5 m 227.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 724.5 m 312.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 724.5 m 409.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 724.5 m 459.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 724.5 m 509.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 724.5 m 576.5 724.5 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 728.75 Td (As of December 31, 2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 177.50 738.10 Td (Fair) Tj ET Q q 0 0 0 rg BT 193.83 738.10 Td ( value) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 216.58 742.18 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 179.70 728.96 Td ( ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 181.95 728.96 Td (\(in millions\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.25 728.95 Td (Methodology) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.70 728.95 Td (Input) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.65 728.95 Td (Low) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 435.65 733.03 Td (\(2\)\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.65 728.95 Td (High) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 486.66 733.03 Td (\(2\)\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.20 737.95 Td (W) Tj ET Q q 0 0 0 rg BT 532.70 737.95 Td (eighted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.05 728.95 Td (average) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 554.03 733.03 Td (\(4\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 710.50 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 710.50 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 710.50 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 710.50 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 710.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 710.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 710.50 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 682.50 138.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 682.50 53.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 682.50 85.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 682.50 97.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 682.50 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 682.50 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 682.50 67.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 653.50 138.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 653.50 53.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 653.50 85.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 653.50 97.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 653.50 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 653.50 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 653.50 67.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 624.50 138.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 624.50 53.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 624.50 85.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 624.50 97.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 624.50 50.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 624.50 50.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 624.50 67.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 578.50 138.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 578.50 53.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 578.50 85.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 578.50 97.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 578.50 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 578.50 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 578.50 67.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 549.50 138.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 549.50 53.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 549.50 85.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 549.50 97.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 549.50 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 549.50 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 549.50 67.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 512.50 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 512.50 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 512.50 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 512.50 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 512.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 512.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 512.50 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 484.50 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 484.50 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 484.50 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 484.50 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 484.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 484.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 484.50 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 456.50 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 456.50 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 456.50 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 456.50 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 456.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 456.50 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 456.50 67.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 724.5 m 174.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 724.5 m 227.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 724.5 m 312.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 724.5 m 409.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 724.5 m 459.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 724.5 m 509.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 724.5 m 576.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 724.5 m 227.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 724.5 m 312.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 724.5 m 409.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 724.5 m 459.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 724.5 m 509.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 724.5 m 576.5 724.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 696.5 m 227.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 696.5 m 312.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 696.5 m 409.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 696.5 m 459.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 696.5 m 509.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 696.5 m 576.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 696.5 m 174.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 682.5 m 174.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 696.5 m 227.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 682.5 m 227.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 696.5 m 312.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 682.5 m 312.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 696.5 m 409.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 682.5 m 409.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 696.5 m 459.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 682.5 m 459.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 696.5 m 509.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 682.5 m 509.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 696.5 m 576.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 682.5 m 576.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 682.5 m 227.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 682.5 m 312.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 682.5 m 409.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 682.5 m 459.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 682.5 m 509.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 682.5 m 576.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 624.5 m 174.5 624.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 592.5 m 174.5 592.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 624.5 m 227.5 624.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 592.5 m 227.5 592.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 624.5 m 312.5 624.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 592.5 m 312.5 592.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 624.5 m 409.5 624.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 592.5 m 409.5 592.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 624.5 m 459.5 624.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 592.5 m 459.5 592.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 624.5 m 509.5 624.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 592.5 m 509.5 592.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 624.5 m 576.5 624.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 592.5 m 576.5 592.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 578.5 m 174.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 578.5 m 227.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 578.5 m 312.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 578.5 m 409.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 578.5 m 459.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 578.5 m 509.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 578.5 m 576.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 578.5 m 227.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 578.5 m 312.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 578.5 m 409.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 578.5 m 459.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 578.5 m 509.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 578.5 m 576.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 549.5 m 174.5 549.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 549.5 m 227.5 549.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 549.5 m 312.5 549.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 549.5 m 409.5 549.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 549.5 m 459.5 549.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 549.5 m 509.5 549.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 549.5 m 576.5 549.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 427.5 m 174.5 427.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 427.5 m 227.5 427.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 427.5 m 312.5 427.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 427.5 m 409.5 427.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 427.5 m 459.5 427.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 427.5 m 509.5 427.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 427.5 m 576.5 427.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 714.95 Td (Mortgage servicing rights) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 714.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.75 714.96 Td (1,750) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 714.96 Td (Cash flow) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 714.96 Td (Yield) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 714.96 Td (5.19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 714.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 714.96 Td (21.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 714.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 714.96 Td (10.25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 714.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 700.96 Td (WAL) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.00 700.96 Td (3.31 years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 700.96 Td (7.89 years) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.00 700.96 Td (5.17 years) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 686.95 Td (Liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 671.95 Td (Interest-bearing deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 671.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.50 671.96 Td (486) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 671.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 671.96 Td (Equity-IR correlation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 671.96 Td (34.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 671.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 671.96 Td (37.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 671.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 671.96 Td (35.43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 671.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 657.96 Td (Commodity correlation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 657.96 Td (\(57.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 657.96 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 657.96 Td (91.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 657.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 657.96 Td (30.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 657.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 642.96 Td (Commodity volatility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 642.96 Td (5.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 642.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 642.96 Td (83.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 642.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 642.96 Td (24.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 642.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 628.96 Td (Forward price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 628.96 Td (35.34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 628.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 628.96 Td (268.77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 628.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.75 628.96 Td (101.74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 628.96 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 614.95 Td (Federal funds purchased and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 605.95 Td (securities loaned or sold under) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 596.95 Td (agreements to repurchase) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 596.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.75 596.96 Td (1,043) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 596.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 596.96 Td (Interest rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 596.96 Td (0.74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 596.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.75 596.96 Td (2.26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 596.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 596.96 Td (1.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 596.96 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 582.95 Td (Trading account liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 567.96 Td (Securities sold, not yet purchased) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 567.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.50 567.96 Td (251) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 567.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 567.96 Td (Credit-IR correlation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 567.96 Td (\(70.49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 567.96 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.75 567.96 Td (8.81) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 567.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 567.96 Td (47.17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 567.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 553.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.50 553.96 Td (142) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 553.96 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 553.96 Td (Price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.00 553.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 553.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.00 553.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 553.96 Td (117.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 553.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 553.96 Td (70.33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 539.95 Td (Short-term borrowings and long-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 530.95 Td (term debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.00 530.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 203.75 530.96 Td (7,204) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 530.96 Td (Model-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 530.96 Td (IR log-normal volatility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 530.96 Td (18.05) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 530.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 530.96 Td (90.65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 530.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 530.96 Td (30.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 530.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 516.96 Td (Mean reversion) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 516.96 Td (1.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 516.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 516.96 Td (20.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 516.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 516.96 Td (10.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 516.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 502.96 Td (Equity volatility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 502.96 Td (10.18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 502.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 502.96 Td (69.65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 502.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 502.96 Td (23.72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 502.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 488.96 Td (Credit correlation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 488.96 Td (87.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 488.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 488.96 Td (87.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 488.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 488.96 Td (87.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 488.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 474.96 Td (Equity forward) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 474.96 Td (89.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 474.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 474.96 Td (100.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 474.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 474.96 Td (95.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 474.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 460.96 Td (Forward price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 460.96 Td (35.34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 460.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 460.96 Td (268.77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 460.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.75 460.96 Td (101.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 460.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 446.96 Td (Commodity correlation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 446.96 Td (\(57.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 446.96 Td (\)%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 446.96 Td (91.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 446.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 446.96 Td (30.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 446.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 315.00 431.96 Td (Commodity volatility) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 431.96 Td (5.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.50 431.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 431.96 Td (83.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 431.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 431.96 Td (24.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 568.50 431.96 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 410.40 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 410.40 Td (The fair value amounts presented in these tables represent the primary valuation technique or techniques for each class of assets or liabilities.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 400.80 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 400.80 Td (Some inputs are shown as zero due to rounding.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 391.20 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 391.20 Td (When the low and high inputs are the same, there is either a constant input applied to all positions, or the methodology involving the input applies to only one ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 381.60 Td (lar) Tj ET Q q 0 0 0 rg BT 62.29 381.60 Td (ge position.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 372.00 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 372.00 Td (W) Tj ET Q q 0 0 0 rg BT 60.91 372.00 Td (eighted averages are calculated based on the fair values of the instruments.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 362.40 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 362.40 Td (For equity securities, the price and fund NA) Tj ET Q q 0 0 0 rg BT 193.82 362.40 Td (V) Tj ET Q q 0 0 0 rg BT 199.45 362.40 Td ( inputs are expressed on an absolute basis, not as a percentage of the notional amount.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 352.80 Td (\(6\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 352.80 Td (Both trading and nontrading account derivativesassets and liabilitiesare presented on a gross absolute value basis.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 343.20 Td (\(7\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 343.20 Td (Includes hybrid products.) Tj ET Q endstream endobj 545 0 obj <> endobj 546 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (270) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Sensitivity to Unobservable Inputs and Interr) Tj ET Q q 0 0 0 rg BT 230.01 742.25 Td (elationships ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 730.25 Td (between Unobservable Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.25 Td (The impact of key unobservable inputs on the Level3 fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.25 Td (value measurements may not be independent of one another) Tj ET Q q 0 0 0 rg BT 275.37 706.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.25 Td (In addition, the amount and direction of the impact on a fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.25 Td (value measurement for a given change in an unobservable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.25 Td (input depends on the nature of the instrument as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 658.25 Td (whether the Company holds the instrument as an asset or a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 646.25 Td (liability) Tj ET Q q 0 0 0 rg BT 66.46 646.25 Td (. For certain instruments, the pricing, hedging and risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 634.25 Td (management are sensitive to the correlation between various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.25 Td (inputs rather than on the analysis and aggregation of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.25 Td (individual inputs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 598.25 Td (The following section describes the sensitivities and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.25 Td (interrelationships of the most significant unobservable inputs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.25 Td (used by the Company in Level3 fair value measurements.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 550.25 Td (Correlation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 538.25 Td (Correlation is a measure of the extent to which two or more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.25 Td (variables change in relation to each other) Tj ET Q q 0 0 0 rg BT 199.82 526.25 Td (. ) Tj ET Q q 0 0 0 rg BT 204.27 526.25 Td (A) Tj ET Q q 0 0 0 rg BT 210.94 526.25 Td ( variety of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.25 Td (correlation-related assumptions are required for a wide range ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.25 Td (of instruments, including equity and credit baskets, foreign-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.25 Td (exchange options, CDOs backed by loans or bonds, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.25 Td (mortgages, subprime mortgages and many other instruments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.25 Td (For almost all of these instruments, correlations are not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.25 Td (observable in the market and must be calculated using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.25 Td (historical information. Estimating correlation can be especially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.25 Td (dif) Tj ET Q q 0 0 0 rg BT 46.93 430.25 Td (ficult where it may vary over time. Calculating correlation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.25 Td (information from market data requires significant assumptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.25 Td (regarding the informational ef) Tj ET Q q 0 0 0 rg BT 156.05 406.25 Td (ficiency of the market \(for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.25 Td (example, swaption markets\). Changes in correlation levels can ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.25 Td (have a major impact, favorable or unfavorable, on the value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.25 Td (an instrument, depending on its nature. ) Tj ET Q q 0 0 0 rg BT 193.75 370.25 Td (A) Tj ET Q q 0 0 0 rg BT 200.42 370.25 Td ( change in the default ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.25 Td (correlation of the fair value of the underlying bonds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.25 Td (comprising a CDO structure would af) Tj ET Q q 0 0 0 rg BT 186.62 346.25 Td (fect the fair value of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.25 Td (senior tranche. For example, an increase in the default ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.25 Td (correlation of the underlying bonds would reduce the fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.25 Td (value of the senior tranche, because highly correlated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.25 Td (instruments produce lar) Tj ET Q q 0 0 0 rg BT 130.24 298.25 Td (ger losses in the event of default and a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.25 Td (part of these losses would become attributable to the senior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.25 Td (tranche. ) Tj ET Q q 0 0 0 rg BT 70.24 274.25 Td (That same change in default correlation would have a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 262.25 Td (dif) Tj ET Q q 0 0 0 rg BT 46.93 262.25 Td (ferent impact on junior tranches of the same structure.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 238.25 Td (V) Tj ET Q q 0 0 0 rg BT 41.56 238.25 Td (olatility) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.25 Td (V) Tj ET Q q 0 0 0 rg BT 41.93 226.25 Td (olatility represents the speed and severity of market price ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.25 Td (changes and is a key factor in pricing options. ) Tj ET Q q 0 0 0 rg BT 221.88 214.25 Td (T) Tj ET Q q 0 0 0 rg BT 227.29 214.25 Td (ypically) Tj ET Q q 0 0 0 rg BT 258.85 214.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.25 Td (instruments can become more expensive if volatility increases. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.25 Td (For example, as an index becomes more volatile, the cost to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 178.25 Td (Citi of maintaining a given level of exposure increases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 166.25 Td (because more frequent rebalancing of the portfolio is required. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.25 Td (V) Tj ET Q q 0 0 0 rg BT 41.93 154.25 Td (olatility generally depends on the tenor of the underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.25 Td (instrument and the strike price or level defined in the contract. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.25 Td (V) Tj ET Q q 0 0 0 rg BT 41.93 130.25 Td (olatilities for certain combinations of tenor and strike are not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.25 Td (observable. ) Tj ET Q q 0 0 0 rg BT 84.13 118.25 Td (The general relationship between changes in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.25 Td (value of a portfolio to changes in volatility also depends on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.25 Td (changes in interest rates and the level of the underlying index. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 82.25 Td (Generally) Tj ET Q q 0 0 0 rg BT 74.77 82.25 Td (, long option positions \(assets\) benefit from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.25 Td (increases in volatility) Tj ET Q q 0 0 0 rg BT 120.88 70.25 Td (, whereas short option positions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.25 Td (\(liabilities\) will suf) Tj ET Q q 0 0 0 rg BT 112.47 58.25 Td (fer losses. Some instruments are more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 46.25 Td (sensitive to changes in volatility than others. For example, an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 742.10 Td (at-the-money option would experience a lar) Tj ET Q q 0 0 0 rg BT 498.47 742.10 Td (ger percentage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 730.10 Td (change in its fair value than a deep-in-the-money option. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 718.10 Td (addition, the fair value of an option with more than one ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 706.10 Td (underlying security \(for example, an option on a basket of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 694.10 Td (bonds\) depends on the volatility of the individual underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 682.10 Td (securities as well as their correlations.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 658.10 Td (Y) Tj ET Q q 0 0 0 rg BT 329.56 658.10 Td (ield) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 646.10 Td (Adjusted yield is generally used to discount the projected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 634.10 Td (future principal and interest cash flows on instruments, such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 622.10 Td (asset-backed securities. ) Tj ET Q q 0 0 0 rg BT 419.80 622.10 Td (Adjusted yield is impacted by changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 610.10 Td (in the interest rate environment and relevant credit spreads.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 598.10 Td (In some circumstances, the yield of an instrument is not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 586.10 Td (observable in the market and must be estimated from historical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 574.10 Td (data or from yields of similar securities. ) Tj ET Q q 0 0 0 rg BT 486.00 574.10 Td (This estimated yield ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 562.10 Td (may need to be adjusted to capture the characteristics of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 550.10 Td (security being valued. In other situations, the estimated yield ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 538.10 Td (may not represent suf) Tj ET Q q 0 0 0 rg BT 410.18 538.10 Td (ficient market liquidity and must be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 526.10 Td (adjusted as well. ) Tj ET Q q 0 0 0 rg BT 392.69 526.10 Td (Whenever the amount of the adjustment is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 514.10 Td (significant to the value of the security) Tj ET Q q 0 0 0 rg BT 474.42 514.10 Td (, the fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 502.10 Td (measurement is classified as Level3.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 478.10 Td (Prepayment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 466.10 Td (V) Tj ET Q q 0 0 0 rg BT 329.93 466.10 Td (oluntary unscheduled payments \(prepayments\) change the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 454.10 Td (future cash flows for the investor and thereby change the fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 442.10 Td (value of the security) Tj ET Q q 0 0 0 rg BT 404.71 442.10 Td (. ) Tj ET Q q 0 0 0 rg BT 409.53 442.10 Td (The ef) Tj ET Q q 0 0 0 rg BT 435.16 442.10 Td (fect of prepayments is more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 430.10 Td (pronounced for residential mortgage-backed securities. ) Tj ET Q q 0 0 0 rg BT 546.14 430.10 Td (An ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 418.10 Td (increase in prepaymentsin speed or magnitudegenerally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 406.10 Td (creates losses for the holder of these securities. Prepayment is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 394.10 Td (generally negatively correlated with delinquency and interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 382.10 Td (rate. ) Tj ET Q q 0 0 0 rg BT 343.43 382.10 Td (A) Tj ET Q q 0 0 0 rg BT 350.10 382.10 Td ( combination of low prepayment and high delinquencies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 370.10 Td (amplify each input) Tj ET Q q 0 0 0 rg BT 401.75 370.10 Td (s negative impact on mortgage securities) Tj ET Q q 0 0 0 rg BT 567.34 370.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 358.10 Td (valuation. ) Tj ET Q q 0 0 0 rg BT 365.66 358.10 Td (As prepayment speeds change, the weighted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 346.10 Td (average life of the security changes, which impacts the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 334.10 Td (valuation either positively or negatively) Tj ET Q q 0 0 0 rg BT 482.75 334.10 Td (, depending upon the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 322.10 Td (nature of the security and the direction of the change in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 310.10 Td (weighted average life.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 286.10 Td (Recovery) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 274.10 Td (Recovery is the proportion of the total outstanding balance of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 262.10 Td (a bond or loan that is expected to be collected in a liquidation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 250.10 Td (scenario. For many credit securities \(such as asset-backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 238.10 Td (securities\), there is no directly observable market input for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 226.10 Td (recovery) Tj ET Q q 0 0 0 rg BT 358.33 226.10 Td (, but indications of recovery levels are available from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 214.10 Td (pricing services. ) Tj ET Q q 0 0 0 rg BT 391.85 214.10 Td (The assumed recovery of a security may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 202.10 Td (dif) Tj ET Q q 0 0 0 rg BT 334.93 202.10 Td (fer from its actual recovery that will be observable in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 190.10 Td (future. ) Tj ET Q q 0 0 0 rg BT 352.70 190.10 Td (The recovery rate impacts the valuation of credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 178.10 Td (securities. Generally) Tj ET Q q 0 0 0 rg BT 405.54 178.10 Td (, an increase in the recovery rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 166.10 Td (assumption increases the fair value of the security) Tj ET Q q 0 0 0 rg BT 523.00 166.10 Td (. ) Tj ET Q q 0 0 0 rg BT 527.45 166.10 Td (An increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 154.10 Td (in loss severity) Tj ET Q q 0 0 0 rg BT 383.35 154.10 Td (, the inverse of the recovery rate, reduces the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 142.10 Td (amount of principal available for distribution and, as a result, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 130.10 Td (decreases the fair value of the security) Tj ET Q q 0 0 0 rg BT 476.61 130.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 106.10 Td (Credit Spread) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 94.10 Td (Credit spread is a component of the security representing its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 82.10 Td (credit quality) Tj ET Q q 0 0 0 rg BT 376.39 82.10 Td (. Credit spread reflects the market perception of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 70.10 Td (changes in prepayment, delinquency and recovery rates, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 58.10 Td (therefore capturing the impact of other variables on the fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 46.10 Td (value. Changes in credit spread af) Tj ET Q q 0 0 0 rg BT 459.32 46.10 Td (fect the fair value of ) Tj ET Q endstream endobj 547 0 obj <> endobj 548 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (271) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 742.10 Td (securities dif) Tj ET Q q 0 0 0 rg BT 87.19 742.10 Td (ferently depending on the characteristics and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 730.10 Td (maturity profile of the security) Tj ET Q q 0 0 0 rg BT 158.09 730.10 Td (. For example, credit spread is a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 718.10 Td (more significant driver of the fair value measurement of a high ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 706.10 Td (yield bond as compared to an investment grade bond. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 694.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 74.77 694.10 Td (, the credit spread for an investment grade bond is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 682.10 Td (also more observable and less volatile than its high yield ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 670.10 Td (counterpart.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 646.10 Td (Qualitative Discussion of the Ranges of Significant ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 634.10 Td (Unobservable Inputs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 622.10 Td (The following section describes the ranges of the most ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 610.10 Td (significant unobservable inputs used by the Company in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 598.10 Td (Level3 fair value measurements. ) Tj ET Q q 0 0 0 rg BT 171.32 598.10 Td (The level of aggregation and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 586.10 Td (the diversity of instruments held by the Company lead to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 574.10 Td (wide range of unobservable inputs that may not be evenly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 562.10 Td (distributed across the Level3 inventory) Tj ET Q q 0 0 0 rg BT 193.92 562.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 538.10 Td (Correlation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.10 Td (There are many dif) Tj ET Q q 0 0 0 rg BT 112.17 526.10 Td (ferent types of correlation inputs, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.10 Td (credit correlation, cross-asset correlation \(such as equity-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.10 Td (interest rate correlation\), and same-asset correlation \(such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.10 Td (interest rate-interest rate correlation\). Correlation inputs are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.10 Td (generally used to value hybrid and exotic instruments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 74.77 466.10 Td (, same-asset correlation inputs have a narrower range ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 454.10 Td (than cross-asset correlation inputs. However) Tj ET Q q 0 0 0 rg BT 213.05 454.10 Td (, due to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.10 Td (complex and unique nature of these instruments, the ranges for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.10 Td (correlation inputs can vary widely across portfolios.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 406.10 Td (V) Tj ET Q q 0 0 0 rg BT 41.56 406.10 Td (olatility) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.10 Td (Similar to correlation, asset-specific volatility inputs vary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.10 Td (widely by asset type. For example, ranges for foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.10 Td (exchange volatility are generally lower and narrower than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.10 Td (equity volatility) Tj ET Q q 0 0 0 rg BT 98.95 358.10 Td (. Equity volatilities are wider due to the nature ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 346.10 Td (of the equities market and the terms of certain exotic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.10 Td (instruments. For most instruments, the interest rate volatility ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.10 Td (input is on the lower end of the range; however) Tj ET Q q 0 0 0 rg BT 224.71 322.10 Td (, for certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.10 Td (structured or exotic instruments \(such as market-linked ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.10 Td (deposits or exotic interest rate derivatives\), the range is much ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.10 Td (wider) Tj ET Q q 0 0 0 rg BT 58.22 286.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 262.10 Td (Y) Tj ET Q q 0 0 0 rg BT 41.56 262.10 Td (ield) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.10 Td (Ranges for the yield inputs vary significantly depending upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 238.10 Td (the type of security) Tj ET Q q 0 0 0 rg BT 112.27 238.10 Td (. For example, securities that typically have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 226.10 Td (lower yields, such as municipal bonds, will fall on the lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 214.10 Td (end of the range, while more illiquid securities or securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 202.10 Td (with lower credit quality) Tj ET Q q 0 0 0 rg BT 133.93 202.10 Td (, such as certain residual tranche ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 190.10 Td (asset-backed securities, will have much higher yield inputs.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 166.10 Td (Credit Spread) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 154.10 Td (Credit spread is relevant primarily for fixed income and credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 142.10 Td (instruments; however) Tj ET Q q 0 0 0 rg BT 121.97 142.10 Td (, the ranges for the credit spread input ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 130.10 Td (can vary across instruments. For example, certain fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 118.10 Td (income instruments, such as certificates of deposit, typically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 106.10 Td (have lower credit spreads, whereas certain derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 94.10 Td (instruments with high-risk counterparties are typically subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 82.10 Td (to higher credit spreads when they are uncollateralized or have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 70.10 Td (a longer tenor) Tj ET Q q 0 0 0 rg BT 90.98 70.10 Td (. Other instruments, such as credit default swaps, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 58.10 Td (also have credit spreads that vary with the attributes of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 742.10 Td (underlying obligor) Tj ET Q q 0 0 0 rg BT 398.16 742.10 Td (. Stronger companies have tighter credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 730.10 Td (spreads, and weaker companies have wider credit spreads.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 706.10 Td (Price) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 694.10 Td (The price input is a significant unobservable input for certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 682.10 Td (fixed income instruments. For these instruments, the price ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 670.10 Td (input is expressed as a percentage of the notional amount, with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 658.10 Td (a price of $100 meaning that the instrument is valued at par) Tj ET Q q 0 0 0 rg BT 561.43 658.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 646.10 Td (For most of these instruments, the price varies between zero to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 634.10 Td ($100, or slightly above $100. Relatively illiquid assets that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 622.10 Td (have experienced significant losses since issuance, such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 610.10 Td (certain asset-backed securities, are at the lower end of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 598.10 Td (range, whereas most investment grade corporate bonds will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 586.10 Td (fall in the middle to the higher end of the range. For certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 574.10 Td (structured debt instruments with embedded derivatives, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 562.10 Td (price input may be above ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.57 562.10 Td ($100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.57 562.10 Td ( to reflect the embedded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 550.10 Td (features of the instrument \(for example, a step-up coupon or a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 538.10 Td (conversion option\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 526.10 Td (The price input is also a significant unobservable input for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 514.10 Td (certain equity securities; however) Tj ET Q q 0 0 0 rg BT 458.27 514.10 Td (, the range of price inputs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 502.10 Td (varies depending on the nature of the position, the number of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 490.10 Td (shares outstanding and other factors.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 466.10 Td (Mean Reversion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 454.10 Td (A) Tj ET Q q 0 0 0 rg BT 330.67 454.10 Td ( number of financial instruments require an estimate of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 442.10 Td (rate at which the interest rate reverts to its long term average. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 430.10 Td (Changes in this estimate can significantly af) Tj ET Q q 0 0 0 rg BT 500.44 430.10 Td (fect the fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 418.10 Td (of these instruments. However) Tj ET Q q 0 0 0 rg BT 445.79 418.10 Td (, sometimes there is insuf) Tj ET Q q 0 0 0 rg BT 547.54 418.10 Td (ficient ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 406.10 Td (external market data to calibrate this parameter) Tj ET Q q 0 0 0 rg BT 511.84 406.10 Td (, especially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 394.10 Td (when pricing more complex instruments. ) Tj ET Q q 0 0 0 rg BT 490.45 394.10 Td (The level of mean ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 382.10 Td (reversion af) Tj ET Q q 0 0 0 rg BT 371.29 382.10 Td (fects the correlation between short and long term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 370.10 Td (interest rates. ) Tj ET Q q 0 0 0 rg BT 379.63 370.10 Td (The fair values of more complex instruments, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 358.10 Td (such as Bermudan swaptions \(options with multiple exercise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 346.10 Td (dates\) and constant maturity spread options or structured debts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 334.10 Td (with these embedded features, are more sensitive to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 322.10 Td (changes in this correlation as compared to less complex ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 310.10 Td (instruments, such as caps and floors.) Tj ET Q endstream endobj 549 0 obj <> endobj 550 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (272) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Items Measur) Tj ET Q q 0 0 0 rg BT 94.97 749.25 Td (ed at Fair) Tj ET Q q 0 0 0 rg BT 136.44 749.25 Td ( ) Tj ET Q q 0 0 0 rg BT 138.76 749.25 Td (V) Tj ET Q q 0 0 0 rg BT 145.07 749.25 Td (alue on a Nonr) Tj ET Q q 0 0 0 rg BT 207.95 749.25 Td (ecurring Basis) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Certain assets and liabilities are measured at fair value on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (nonrecurring basis and therefore are not included in the tables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (above. ) Tj ET Q q 0 0 0 rg BT 64.70 713.25 Td (These include assets measured at cost that have been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (written down to fair value during the periods as a result of an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (impairment. In addition, these assets include loans held-for) Tj ET Q q 0 0 0 rg BT 272.13 689.25 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (sale and other real estate owned that are measured at the lower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (of cost or market.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 653.25 Td (The following table presents the carrying amounts of all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (assets that were still held for which a nonrecurring fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (measurement was recorded:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 604.75 102.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 137.50 604.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 604.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 604.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 576.75 102.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 137.50 576.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 576.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 576.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 548.75 102.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 137.50 548.75 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 548.75 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 548.75 50.00 -23.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 604.75 m 137.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 604.75 m 187.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 187.5 604.75 m 237.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 604.75 m 287.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 548.75 m 137.5 548.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 548.75 m 137.5 548.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 525.75 m 137.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 548.75 m 187.5 548.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 525.75 m 187.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 187.5 548.75 m 237.5 548.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 187.5 525.75 m 237.5 525.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 548.75 m 287.5 548.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 525.75 m 287.5 525.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 609.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 142.45 609.20 Td (Fair value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.10 609.20 Td (Level2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.10 609.20 Td (Level3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 595.20 Td (December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 140.00 595.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 190.00 595.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.00 595.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 581.21 Td (Loans held-for-sale) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 140.00 581.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 159.25 581.20 Td (10,326) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.00 581.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.75 581.20 Td (6,752) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 240.00 581.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.75 581.20 Td (3,574) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 567.21 Td (Other real estate owned) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 170.50 567.20 Td (107) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 225.00 567.20 Td (15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 275.00 567.20 Td (92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 553.21 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 59.99 557.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 163.75 553.20 Td (1,173) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 220.50 553.20 Td (836) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.50 553.20 Td (337) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 539.20 Td (Total assets at fair value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 42.50 530.20 Td (on a nonrecurring basis) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 140.00 530.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 159.25 530.20 Td (11,606) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 190.00 530.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 213.75 530.20 Td (7,603) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 240.00 530.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.75 530.20 Td (4,003) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 484.15 102.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 137.50 484.15 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 484.15 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 484.15 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 456.15 102.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 137.50 456.15 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 456.15 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 456.15 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 428.15 102.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 137.50 428.15 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 428.15 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 428.15 50.00 -23.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 484.15 m 137.5 484.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 484.15 m 187.5 484.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 187.5 484.15 m 237.5 484.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 484.15 m 287.5 484.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 428.15 m 137.5 428.15 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 405.15 m 137.5 405.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 428.15 m 187.5 428.15 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 405.15 m 187.5 405.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 187.5 428.15 m 237.5 428.15 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 187.5 405.15 m 237.5 405.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 428.15 m 287.5 428.15 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 405.15 m 287.5 405.15 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 488.40 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 143.85 488.61 Td (Fair value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.35 488.61 Td (Level2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 248.35 488.61 Td (Level3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 474.61 Td (December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 140.00 474.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 190.00 474.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.00 474.61 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 460.61 Td (Loans held-for-sale) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 140.00 460.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 163.75 460.61 Td (4,152) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 190.00 460.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.75 460.61 Td (1,084) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.00 460.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.75 460.61 Td (3,068) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 446.61 Td (Other real estate owned) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 170.50 446.61 Td (102) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.00 446.61 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 446.61 Td (81) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 432.61 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 59.99 436.69 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 163.75 432.61 Td (3,367) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.75 432.61 Td (2,881) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 270.50 432.61 Td (486) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 418.61 Td (Total assets at fair value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 42.50 409.61 Td (on a nonrecurring basis) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 140.00 409.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 163.75 409.61 Td (7,621) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 190.00 409.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.75 409.61 Td (3,986) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.00 409.61 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.75 409.61 Td (3,635) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 385.65 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.33 385.65 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 385.65 Td (Represents impaired loans held for investment whose carrying amount is ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 376.05 Td (based on the fair value of the underlying collateral, primarily real estate ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 366.45 Td (secured loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (The fair value of loans-held-for) Tj ET Q q 0 0 0 rg BT 467.85 749.10 Td (-sale is determined where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (possible using quoted secondary-market prices. If no such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (quoted price exists, the fair value of a loan is determined using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (quoted prices for a similar asset or assets, adjusted for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (specific attributes of that loan. Fair value for the other real ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (estate owned is based on appraisals. For loans whose carrying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (amount is based on the fair value of the underlying collateral, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (the fair values depend on the type of collateral. Fair value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (the collateral is typically estimated based on quoted market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (prices if available, appraisals or other internal valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (techniques.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 617.10 Td (Where the fair value of the related collateral is based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (an unadjusted appraised value, the loan is generally classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (as Level2. ) Tj ET Q q 0 0 0 rg BT 369.91 593.10 Td (Where significant adjustments are made to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (appraised value, the loan is classified as Level3. ) Tj ET Q q 0 0 0 rg BT 520.88 581.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 570.78 581.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (for corporate loans, appraisals of the collateral are often based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (on sales of similar assets; however) Tj ET Q q 0 0 0 rg BT 462.18 557.10 Td (, because the prices of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (similar assets require significant adjustments to reflect the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (unique features of the underlying collateral, these fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (measurements are generally classified as Level3.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 342.45 Td (V) Tj ET Q q 0 0 0 rg BT 42.30 342.45 Td (aluation ) Tj ET Q q 0 0 0 rg BT 79.63 342.45 Td (T) Tj ET Q q 0 0 0 rg BT 85.38 342.45 Td (echniques and Inputs for) Tj ET Q q 0 0 0 rg BT 191.63 342.45 Td ( Level3 Nonr) Tj ET Q q 0 0 0 rg BT 249.49 342.45 Td (ecurring Fair) Tj ET Q q 0 0 0 rg BT 306.79 342.45 Td ( ) Tj ET Q q 0 0 0 rg BT 309.11 342.45 Td (V) Tj ET Q q 0 0 0 rg BT 315.41 342.45 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 368.28 342.45 Td (ements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 330.45 Td (The following tables present the valuation techniques covering the majority of Level3 nonrecurring fair value measurements and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 318.45 Td (most significant unobservable inputs used in those measurements:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 39.00 284.95 108.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 147.00 284.95 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.00 284.95 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.00 284.95 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 284.95 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 284.95 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 284.95 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 39.00 256.95 108.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 147.00 256.95 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.00 256.95 94.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.00 256.95 86.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 256.95 60.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 256.95 63.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 256.95 64.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 39.00 227.95 108.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 147.00 227.95 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.00 227.95 94.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.00 227.95 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 227.95 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 227.95 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 227.95 64.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 39 284.95000000000005 m 147 284.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147 284.95000000000005 m 205 284.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205 284.95000000000005 m 299 284.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299 284.95000000000005 m 385 284.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 284.95000000000005 m 445 284.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 284.95000000000005 m 508 284.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 284.95000000000005 m 572 284.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 39 241.95000000000005 m 147 241.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147 241.95000000000005 m 205 241.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205 241.95000000000005 m 299 241.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299 241.95000000000005 m 385 241.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 241.95000000000005 m 445 241.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 241.95000000000005 m 508 241.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 241.95000000000005 m 572 241.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 39 241.95000000000005 m 147 241.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147 241.95000000000005 m 205 241.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205 241.95000000000005 m 299 241.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299 241.95000000000005 m 385 241.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 39 213.95000000000005 m 147 213.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 147 213.95000000000005 m 205 213.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205 213.95000000000005 m 299 213.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299 213.95000000000005 m 385 213.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 213.95000000000005 m 445 213.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 213.95000000000005 m 508 213.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 213.95000000000005 m 572 213.95000000000005 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 41.50 289.20 Td (As of December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 152.50 298.55 Td (Fair) Tj ET Q q 0 0 0 rg BT 168.83 298.55 Td (value) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 191.58 302.63 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 152.25 289.41 Td ( ) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 154.50 289.41 Td (\(inmillions\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 226.25 289.40 Td (Methodology) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.70 289.40 Td (Input) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.55 289.40 Td (Low) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 419.55 293.48 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.45 289.40 Td (High) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 521.20 298.40 Td (W) Tj ET Q q 0 0 0 rg BT 529.70 298.40 Td (eighted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 521.05 289.40 Td (average) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 551.03 293.48 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.50 275.40 Td (Loans held-for-sale) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 149.50 275.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 180.90 275.40 Td (3,486) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.50 275.41 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.50 275.41 Td (Price) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.50 275.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.50 275.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.50 275.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.75 275.40 Td (100.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.50 275.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.25 275.40 Td (81.05) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.50 261.40 Td (Other real estate owned) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.15 261.40 Td (90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.50 261.41 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.50 261.41 Td (Discount to price) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 363.48 265.49 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.75 261.40 Td (0.34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.50 261.40 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.25 261.40 Td (13.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 261.40 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.75 261.40 Td (2.86) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 562.50 261.40 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 196.65 246.40 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.50 246.41 Td (Appraised value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.50 246.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.50 246.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.50 246.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.50 246.40 Td (8,518,230) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.50 246.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.50 246.40 Td (3,813,045) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 41.50 232.40 Td (Loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 65.01 236.48 Td (\(3\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 149.50 232.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 186.15 232.63 Td (157) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.50 232.41 Td (Recovery analysis) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.50 232.41 Td (Recovery rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.25 232.40 Td (11.79) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.50 232.40 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.25 232.40 Td (60.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 232.40 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 542.25 232.40 Td (23.49) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 562.50 232.40 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 192.15 218.40 Td (87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 207.50 218.41 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.50 218.41 Td (Discount to price) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 363.48 222.49 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.25 218.40 Td (13.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.50 218.40 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.25 218.40 Td (34.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.50 218.40 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 546.75 218.40 Td (7.99) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 562.50 218.40 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 194.45 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.33 194.45 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 194.45 Td (The fair value amounts presented in this table represent the primary valuation technique or techniques for each class of assets or liabilities.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 184.85 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 184.85 Td (W) Tj ET Q q 0 0 0 rg BT 60.91 184.85 Td (eighted averages are calculated based on the fair values of the instruments.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 175.25 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 175.25 Td (Represents loans held for investment whose carrying amounts are based on the fair value of the underlying collateral.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 165.65 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 165.65 Td (Includes estimated costs to sell.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 156.05 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 156.05 Td (Some inputs are shown as zero due to rounding.) Tj ET Q endstream endobj 551 0 obj <> endobj 552 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (273) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 732.50 134.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 732.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.50 732.50 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 732.50 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 732.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 732.50 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 732.50 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 704.50 134.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 704.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.50 704.50 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 704.50 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 704.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 704.50 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 704.50 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 676.50 134.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 676.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.50 676.50 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 676.50 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 676.50 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 676.50 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 676.50 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 732.5 m 169.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 732.5 m 234.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 732.5 m 301.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 732.5 m 386.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 732.5 m 451.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 732.5 m 515.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 732.5 m 575.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 732.5 m 234.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 732.5 m 301.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 732.5 m 386.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 732.5 m 451.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 732.5 m 515.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 732.5 m 575.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 704.5 m 169.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 704.5 m 234.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 704.5 m 301.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 704.5 m 386.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 704.5 m 451.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 704.5 m 515.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 704.5 m 575.5 704.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 676.5 m 169.5 676.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 662.5 m 169.5 662.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 676.5 m 234.5 676.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 662.5 m 234.5 662.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 676.5 m 301.5 676.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 662.5 m 301.5 662.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 676.5 m 386.5 676.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 662.5 m 386.5 662.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 676.5 m 451.5 676.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 662.5 m 451.5 662.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 676.5 m 515.5 676.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 662.5 m 515.5 662.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 676.5 m 575.5 676.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 662.5 m 575.5 662.5 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 736.75 Td (As of December 31, 2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 178.50 746.10 Td (Fair) Tj ET Q q 0 0 0 rg BT 194.83 746.10 Td (value) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 217.58 750.18 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 178.25 736.96 Td ( ) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 180.50 736.96 Td (\(inmillions\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.25 736.95 Td (Methodology) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 332.70 736.95 Td (Input) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 409.95 736.95 Td (Low) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.45 736.95 Td (High) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.70 745.95 Td (W) Tj ET Q q 0 0 0 rg BT 535.20 745.95 Td (eighted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 526.55 736.95 Td (average) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 556.53 741.03 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 722.95 Td (Loans held-for-sale) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 172.00 722.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.75 722.96 Td (2,740) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 722.96 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.00 722.96 Td (Price) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 722.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.25 722.96 Td (92.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 722.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.75 722.96 Td (100.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 722.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 722.96 Td (99.54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.00 708.96 Td (Credit spread) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.70 708.96 Td (5 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.70 708.96 Td (358 bps) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.70 708.96 Td (175 bps) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 694.95 Td (Other real estate owned) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 172.00 694.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 222.00 694.96 Td (76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 694.96 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.00 694.96 Td (Appraised value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.75 694.96 Td ($11,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.00 694.96 Td ($11,124,137) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.50 694.96 Td ($4,730,129) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.00 680.96 Td (Discount to price) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 365.98 685.04 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.25 680.96 Td (13.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 443.50 680.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 680.96 Td (64.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 680.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 680.96 Td (28.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 680.96 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 666.95 Td (Loans) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 61.51 671.03 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 172.00 666.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 217.50 666.96 Td (437) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.00 666.96 Td (Price-based) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.00 666.96 Td (Discount to price) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 365.98 671.04 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.25 666.96 Td (13.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 443.50 666.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 666.96 Td (34.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.50 666.96 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 666.96 Td (28.92) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 666.96 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 643.80 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 643.80 Td (The fair value amounts presented in this table represent the primary valuation technique or techniques for each class of assets or liabilities.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 634.25 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 634.25 Td (W) Tj ET Q q 0 0 0 rg BT 60.91 634.25 Td (eighted averages are based on the fair values of the instruments.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 624.65 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 624.65 Td (Represents loans held for investment whose carrying amounts are based on the fair value of the underlying collateral.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 615.05 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 615.05 Td (Includes estimated costs to sell. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 583.85 Td (Nonr) Tj ET Q q 0 0 0 rg BT 58.04 583.85 Td (ecurring Fair) Tj ET Q q 0 0 0 rg BT 115.34 583.85 Td ( ) Tj ET Q q 0 0 0 rg BT 117.66 583.85 Td (V) Tj ET Q q 0 0 0 rg BT 123.96 583.85 Td (alue Changes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 571.85 Td (The following table presents total nonrecurring fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 559.85 Td (measurements for the period, included in earnings, attributable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 547.85 Td (to the change in fair value relating to assets that were still ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 535.85 Td (held:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 489.35 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.50 489.35 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 461.35 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.50 461.35 72.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 489.35 m 215.5 489.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 489.35 m 287.5 489.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 489.35 m 287.5 489.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 447.35 m 215.5 447.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 433.35 m 215.5 433.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 447.35 m 287.5 447.35 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 433.35 m 287.5 433.35 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 229.45 516.75 Td (Year ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 224.80 507.75 Td (December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 493.60 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 242.00 493.80 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 479.81 Td (Loans held-for-sale) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 218.00 479.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 479.80 Td (\(79) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 284.00 479.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 465.81 Td (Other real estate owned) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.00 465.80 Td (\(17) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 284.00 465.80 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 451.81 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 59.99 455.89 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.50 451.80 Td (\(142) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 284.00 451.80 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 437.80 Td (Total nonrecurring fair value gains \(losses\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 218.00 437.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.50 437.80 Td (\(238) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 284.00 437.80 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 416.25 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 416.25 Td (Represents loans held for investment whose carrying amount is based on ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 406.60 Td (the fair value of the underlying collateral, primarily real estate loans.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 348.10 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.50 348.10 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 320.10 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.50 320.10 72.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 348.1 m 215.5 348.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 348.1 m 287.5 348.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 306.1 m 215.5 306.1 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 292.1 m 215.5 292.1 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 306.1 m 287.5 306.1 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 292.1 m 287.5 292.1 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.80 375.36 Td (Year ended) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 225.75 366.36 Td (December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 352.35 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 352.56 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 338.56 Td (Loans held-for-sale) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.00 338.56 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.00 338.56 Td (34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 324.56 Td (Other real estate owned) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 272.00 324.56 Td (\(16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 324.56 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 310.56 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 59.99 314.64 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.50 310.56 Td (\(533) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 310.56 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 296.56 Td (Total nonrecurring fair value gains \(losses\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 218.00 296.56 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.50 296.56 Td (\(515) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 284.00 296.56 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 275.00 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 275.00 Td (Represents loans held for investment whose carrying amount is based on ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 265.40 Td (the fair value of the underlying collateral, primarily real estate loans.) Tj ET Q endstream endobj 553 0 obj <> endobj 554 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (274) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Estimated Fair) Tj ET Q q 0 0 0 rg BT 99.97 749.25 Td ( ) Tj ET Q q 0 0 0 rg BT 102.29 749.25 Td (V) Tj ET Q q 0 0 0 rg BT 108.60 749.25 Td (alue of Financial Instruments Not ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Carried at Fair) Tj ET Q q 0 0 0 rg BT 101.35 737.25 Td ( ) Tj ET Q q 0 0 0 rg BT 103.67 737.25 Td (V) Tj ET Q q 0 0 0 rg BT 109.97 737.25 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (The table below presents the carrying value and fair value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 77.11 713.25 Td (s financial instruments that are not carried at fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (value. ) Tj ET Q q 0 0 0 rg BT 62.47 701.25 Td (The table below therefore excludes items measured at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (fair value on a recurring basis presented in the tables above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 677.25 Td (The disclosure also excludes leases, af) Tj ET Q q 0 0 0 rg BT 207.65 677.25 Td (filiate investments, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (pension and benefit obligations and insurance policy claim ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (reserves. In addition, contract-holder fund amounts exclude ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (certain insurance contracts. ) Tj ET Q q 0 0 0 rg BT 147.06 641.25 Td (Also, as required, the disclosure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (excludes the ef) Tj ET Q q 0 0 0 rg BT 95.79 629.25 Td (fect of taxes, any premium or discount that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (could result from of) Tj ET Q q 0 0 0 rg BT 115.52 617.25 Td (fering for sale at one time the entire ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (holdings of a particular instrument, excess fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (associated with deposits with no fixed maturity) Tj ET Q q 0 0 0 rg BT 224.21 593.25 Td (, and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (expenses that would be incurred in a market transaction. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (addition, the table excludes the values of non-financial assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (and liabilities, as well as a wide range of franchise, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (relationship and intangible values, which are integral to a full ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (assessment of Citigroup) Tj ET Q q 0 0 0 rg BT 134.88 533.25 Td (s financial position and the value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (its net assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 509.25 Td (The fair value represents management) Tj ET Q q 0 0 0 rg BT 209.48 509.25 Td (s best estimates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (based on a range of methodologies and assumptions. ) Tj ET Q q 0 0 0 rg BT 248.83 497.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (carrying value of short-term financial instruments not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (accounted for at fair value, as well as receivables and payables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (arising in the ordinary course of business, approximates fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (value because of the relatively short period of time between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (their origination and expected realization. Quoted market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (prices are used when available for investments and for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (liabilities, such as long-term debt not carried at fair value. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (loans not accounted for at fair value, cash flows are discounted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (at quoted secondary market rates or estimated market rates if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (available. Otherwise, sales of comparable loan portfolios or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (current market origination rates for loans with similar terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (and risk characteristics are used. Expected credit losses are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (either embedded in the estimated future cash flows or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (incorporated as an adjustment to the discount rate used. ) Tj ET Q q 0 0 0 rg BT 548.20 593.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (value of collateral is also considered. For liabilities such as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (long-term debt not accounted for at fair value and without ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (quoted market prices, market borrowing rates of interest are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (used to discount contractual cash flows.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 444.75 305.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 444.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 444.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 444.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 444.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 444.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 416.75 305.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 416.75 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 416.75 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 416.75 45.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 416.75 45.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 416.75 45.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 379.75 305.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 379.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 379.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 379.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 379.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 379.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 351.75 305.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 351.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 351.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 351.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 351.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 351.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 314.75 305.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 314.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 314.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 314.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 314.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 314.75 45.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 472.75 m 391.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 472.75 m 441.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 472.75 m 486.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 472.75 m 531.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 472.75 m 576.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 444.75 m 341.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 444.75 m 391.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 444.75 m 441.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 444.75 m 486.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 444.75 m 531.5 444.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 444.75 m 576.5 444.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 365.75 m 341.5 365.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 365.75 m 391.5 365.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 365.75 m 441.5 365.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 365.75 m 486.5 365.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 365.75 m 531.5 365.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 365.75 m 576.5 365.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 286.75 m 341.5 286.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 286.75 m 391.5 286.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 286.75 m 441.5 286.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 286.75 m 486.5 286.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 286.75 m 531.5 286.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 286.75 m 576.5 286.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 477.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.70 477.20 Td (December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 469.55 477.20 Td (Estimated fair value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 463.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.25 458.20 Td (Carrying) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.70 449.20 Td (value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.50 458.20 Td (Estimated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.70 449.20 Td (fair) Tj ET Q q 0 0 0 rg BT 411.53 449.20 Td ( value) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 449.00 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.60 449.20 Td (Level1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 494.60 449.20 Td (Level2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 539.60 449.20 Td (Level3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 435.20 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 435.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 435.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 435.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 435.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 435.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 421.21 Td (Investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.00 421.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.25 421.20 Td (41.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 421.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.25 421.20 Td (42.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 421.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 421.20 Td (3.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.00 421.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.25 421.20 Td (36.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.00 421.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.75 421.20 Td (2.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 407.21 Td (Federal funds sold and securities borrowed or purchased under agreements to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 398.21 Td (resell) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.25 398.20 Td (81.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.25 398.20 Td (81.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.00 398.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.25 398.20 Td (77.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.75 398.20 Td (4.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 384.21 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 60.99 388.29 Td (\(1\)\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.75 384.20 Td (597.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 384.20 Td (595.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.00 384.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 516.75 384.20 Td (6.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 384.20 Td (589.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 370.21 Td (Other financial assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 116.47 374.29 Td (\(2\)\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.75 370.20 Td (186.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 370.20 Td (186.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 471.75 370.20 Td (6.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 370.20 Td (126.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 557.25 370.20 Td (53.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 356.20 Td (Liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 356.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 356.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 356.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 356.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 356.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 342.21 Td (Deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.00 342.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.75 342.20 Td (906.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 394.00 342.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 342.20 Td (896.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 342.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.00 342.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.00 342.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 342.20 Td (749.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.00 342.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 342.20 Td (147.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 328.21 Td (Federal funds purchased and securities loaned or sold under agreements to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 319.21 Td (repurchase) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.75 319.20 Td (109.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 319.20 Td (109.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.00 319.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 319.20 Td (109.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.75 319.20 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 305.21 Td (Long-term debt) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 95.23 309.29 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.75 305.20 Td (176.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 305.20 Td (180.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.00 305.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 305.20 Td (153.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 557.25 305.20 Td (27.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 291.21 Td (Other financial liabilities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 128.97 295.29 Td (\(5\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 372.25 291.20 Td (97.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.25 291.20 Td (97.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.00 291.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.25 291.20 Td (18.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 557.25 291.20 Td (79.6) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 222.75 305.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 222.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 222.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 222.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 222.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 222.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 194.75 305.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 194.75 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 194.75 50.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 194.75 45.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 194.75 45.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 194.75 45.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 157.75 305.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 157.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 157.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 157.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 157.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 157.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 129.75 305.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 129.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 129.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 129.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 129.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 129.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 92.75 305.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 92.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 92.75 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 92.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 92.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 531.50 92.75 45.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 250.75 m 391.5 250.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 250.75 m 441.5 250.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 250.75 m 486.5 250.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 250.75 m 531.5 250.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 250.75 m 576.5 250.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 222.75 m 341.5 222.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 222.75 m 391.5 222.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 222.75 m 441.5 222.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 222.75 m 486.5 222.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 222.75 m 531.5 222.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 222.75 m 576.5 222.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 143.75 m 341.5 143.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 143.75 m 391.5 143.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 143.75 m 441.5 143.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 143.75 m 486.5 143.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 143.75 m 531.5 143.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 143.75 m 576.5 143.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 64.75 m 341.5 64.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 64.75 m 391.5 64.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 64.75 m 441.5 64.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 64.75 m 486.5 64.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 64.75 m 531.5 64.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 531.5 64.75 m 576.5 64.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 255.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.60 255.21 Td (December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.25 255.21 Td (Estimated fair value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 241.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.00 236.21 Td (Carrying) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.25 227.21 Td (value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.00 236.21 Td (Estimated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.85 227.21 Td (fair value) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 227.00 Td (In billions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.85 227.21 Td (Level1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.85 227.21 Td (Level2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 539.85 227.21 Td (Level3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 213.20 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 213.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 213.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 213.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 213.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 213.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 199.21 Td (Investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 199.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.25 199.21 Td (30.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 199.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.25 199.21 Td (32.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 199.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.75 199.21 Td (4.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 199.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.25 199.21 Td (25.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 199.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 199.21 Td (2.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 185.21 Td (Federal funds sold and securities borrowed or purchased under agreements to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 176.21 Td (resell) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.25 176.21 Td (98.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.25 176.21 Td (98.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 176.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.25 176.21 Td (89.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 176.21 Td (8.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 162.21 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 60.99 166.29 Td (\(1\)\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 162.21 Td (620.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 162.21 Td (617.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 162.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.75 162.21 Td (5.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 162.21 Td (612.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 148.21 Td (Other financial assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 116.47 152.29 Td (\(2\)\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 148.21 Td (213.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 148.21 Td (213.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.75 148.21 Td (8.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.75 148.21 Td (151.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 148.21 Td (53.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 134.20 Td (Liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 134.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 134.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 134.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 134.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 134.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 120.21 Td (Deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.00 120.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 120.21 Td (897.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.00 120.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 120.21 Td (894.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 120.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 120.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.00 120.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.75 120.21 Td (766.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.00 120.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 120.21 Td (127.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 106.21 Td (Federal funds purchased and securities loaned or sold under agreements to) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 97.21 Td (repurchase) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 97.21 Td (136.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 97.21 Td (136.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 97.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.75 97.21 Td (136.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.75 97.21 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 83.21 Td (Long-term debt) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 95.23 87.29 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 83.21 Td (196.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 83.21 Td (202.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 83.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.75 83.21 Td (172.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 83.21 Td (29.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 69.21 Td (Other financial liabilities) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 128.97 73.29 Td (\(5\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.75 69.21 Td (136.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 69.21 Td (136.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.00 69.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.25 69.21 Td (41.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 557.25 69.21 Td (94.8) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 555 0 obj <> endobj 556 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (275) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 45.33 749.10 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (The carrying value of loans is net of the ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 183.51 749.10 Td (Allowance for loan losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.95 749.10 Td ( of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.62 749.10 Td ($12.6 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.51 749.10 Td ( for ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.84 749.10 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 393.70 749.10 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.25 749.10 Td ($16.0 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 450.14 749.10 Td ( for ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.47 749.10 Td (December31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 526.34 749.10 Td (. In addition, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 739.50 Td (the carrying values exclude ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 143.74 739.50 Td ($2.4 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 180.63 739.50 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 196.18 739.50 Td ($2.7 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.07 739.50 Td ( of lease finance receivables at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 333.01 739.50 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 395.88 739.50 Td ( and ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.43 739.50 Td (December31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 474.30 739.50 Td (, respectively) Tj ET Q q 0 0 0 rg BT 516.43 739.50 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 729.90 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 729.90 Td (Includes items measured at fair value on a nonrecurring basis.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 720.30 Td (\(3\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 720.30 Td (Includes cash and due from banks, deposits with banks, brokerage receivables, reinsurance recoverable and other financial instruments included in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 524.95 720.30 Td (Other assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 564.72 720.30 Td ( on ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 710.70 Td (the Consolidated Balance Sheet, for all of which the carrying value is a reasonable estimate of fair value.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (\(4\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 701.10 Td (The carrying value includes long-term debt balances under qualifying fair value hedges.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 691.50 Td (\(5\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 691.50 Td (Includes brokerage payables, separate and variable accounts, short-term borrowings \(carried at cost\) and other financial instruments included in ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 515.61 691.50 Td (Other liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 566.49 691.50 Td ( ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 681.90 Td (on the Consolidated Balance Sheet, for all of which the carrying value is a reasonable estimate of fair value.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 657.90 Td (Fair values vary from period to period based on changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 645.90 Td (in a wide range of factors, including interest rates, credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 633.90 Td (quality and market perceptions of value, and as existing assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 621.90 Td (and liabilities run of) Tj ET Q q 0 0 0 rg BT 116.63 621.90 Td (f and new transactions are entered into. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 609.90 Td (The estimated fair values of loans reflect changes in credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 597.90 Td (status since the loans were made, changes in interest rates in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 585.90 Td (the case of fixed-rate loans, and premium values at origination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 573.90 Td (of certain loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 561.90 Td (The estimated fair values of the Company) Tj ET Q q 0 0 0 rg BT 224.50 561.90 Td (s corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 549.90 Td (unfunded lending commitments at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.42 549.90 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.00 549.90 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 537.90 Td (December31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.58 537.90 Td ( were liabilities of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.56 537.90 Td ($7.0 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.67 537.90 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.11 537.90 Td ($5.5 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 525.90 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.11 525.90 Td (, respectively) Tj ET Q q 0 0 0 rg BT 114.77 525.90 Td (, substantially all of which are classified as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 513.90 Td (Level3. ) Tj ET Q q 0 0 0 rg BT 71.08 513.90 Td (The Company does not estimate the fair values of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 501.90 Td (consumer unfunded lending commitments, which are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 489.90 Td (generally cancellable by providing notice to the borrower) Tj ET Q q 0 0 0 rg BT 265.08 489.90 Td (.) Tj ET Q endstream endobj 557 0 obj <> endobj 558 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (276) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (26.F) Tj ET Q q 0 0 0 rg BT 61.37 749.25 Td (AIR ) Tj ET Q q 0 0 0 rg BT 82.02 749.25 Td (V) Tj ET Q q 0 0 0 rg BT 87.95 749.25 Td (ALUE ELECTIONS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 729.25 Td (The Company may elect to report most financial instruments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 717.25 Td (and certain other items at fair value on an instrument-by-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 705.25 Td (instrument basis with changes in fair value reported in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 693.25 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 74.70 693.25 Td (The election is made upon the initial recognition of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 681.25 Td (an eligible financial asset, financial liability or firm ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 669.25 Td (commitment or when certain specified reconsideration events ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 657.25 Td (occur) Tj ET Q q 0 0 0 rg BT 57.66 657.25 Td (. ) Tj ET Q q 0 0 0 rg BT 62.47 657.25 Td (The fair value election may not be revoked once an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 645.25 Td (election is made. ) Tj ET Q q 0 0 0 rg BT 105.79 645.25 Td (The changes in fair value are recorded in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (current earnings. ) Tj ET Q q 0 0 0 rg BT 393.14 749.10 Td (Additional discussion regarding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (applicable areas in which fair value elections were made is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (presented in Note) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.03 725.10 Td (25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.03 725.10 Td ( to the Consolidated Financial Statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.00 713.10 Td (All servicing rights are recognized initially at fair value. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (The Company has elected fair value accounting for its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (mortgage servicing rights. See Note) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.07 689.10 Td (22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.07 689.10 Td ( to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (Financial Statements for further discussions regarding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (accounting and reporting of MSRs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 612.25 Td (The following table presents the changes in fair value gains and losses associated with those items for which the fair value option ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 600.25 Td (was elected:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 547.75 352.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 547.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 547.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 501.75 352.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 501.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 501.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 473.75 352.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 473.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 473.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 445.75 352.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 445.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 445.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 417.75 352.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 417.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 417.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 389.75 352.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 389.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 389.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 361.75 352.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 361.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 361.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 333.75 352.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 333.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 333.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 287.75 352.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 287.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 287.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 259.75 352.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 259.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.50 259.75 85.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 561.75 m 473.5 561.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 561.75 m 558.5 561.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 547.75 m 388.5 547.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 561.75 m 473.5 561.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 547.75 m 473.5 547.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 561.75 m 558.5 561.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 547.75 m 558.5 547.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 547.75 m 473.5 547.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 547.75 m 558.5 547.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 431.75 m 388.5 431.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 417.75 m 388.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 431.75 m 473.5 431.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 417.75 m 473.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 431.75 m 558.5 431.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 417.75 m 558.5 417.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 375.75 m 388.5 375.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 375.75 m 473.5 375.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 375.75 m 558.5 375.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 361.75 m 388.5 361.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 361.75 m 473.5 361.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 361.75 m 558.5 361.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 347.75 m 388.5 347.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 347.75 m 473.5 347.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 347.75 m 558.5 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 245.75 m 473.5 245.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 245.75 m 558.5 245.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 245.75 m 388.5 245.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 231.75 m 388.5 231.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 231.75 m 473.5 231.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 473.5 231.75 m 558.5 231.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.25 580.20 Td (Changes in fair value gains \(losses\) for the) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 566.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.80 566.20 Td (years ended December 31,) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 552.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.50 552.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.50 552.21 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 538.20 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 524.21 Td (Federal funds sold and securities borrowed or purchased under agreements to resell ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 515.21 Td ( selected portfolios of securities purchased under agreements ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 506.21 Td ( to resell and securities borrowed) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 506.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.50 506.20 Td (\(153) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 506.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.00 506.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 506.21 Td (\(154) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 506.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 492.21 Td (Trading account assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.50 492.20 Td (\(305) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 492.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 492.21 Td (190) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 478.21 Td (Investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.00 478.20 Td (57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.00 478.21 Td (30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 464.21 Td (Loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 464.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.00 464.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 450.21 Td (Certain corporate loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 128.97 454.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.50 450.20 Td (\(192) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 450.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 450.21 Td (\(135) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 450.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 436.21 Td (Certain consumer loans) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 129.98 440.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.50 436.20 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 436.21 Td (\(41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 436.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 422.21 Td (Total loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 422.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.50 422.20 Td (\(189) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 422.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.00 422.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 422.21 Td (\(176) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 422.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 408.21 Td (Other assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 408.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.00 408.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 394.21 Td (MSRs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 394.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.50 394.20 Td (104) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.00 394.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 394.21 Td (\(344) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 394.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 380.21 Td (Certain mortgage loans held for sale) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 175.71 384.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.50 380.20 Td (331) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 380.21 Td (474) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 366.21 Td (Total other assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 366.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.50 366.20 Td (435) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.00 366.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 366.21 Td (130) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 352.20 Td (Total assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 352.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.50 352.20 Td (\(155) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 352.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.00 352.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.00 352.21 Td (20) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 338.20 Td (Liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 324.21 Td (Interest-bearing deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 324.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 324.20 Td (\(94) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 324.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.00 324.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 324.21 Td (\(77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 324.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 310.21 Td (Federal funds purchased and securities loaned or sold under agreements to repurchase ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 301.21 Td (selected portfolios of securities sold under agreements to ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 292.21 Td (repurchase and securities loaned) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.50 292.20 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.50 292.21 Td (\(5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 292.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 278.21 Td (Trading account liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 278.20 Td (\(60) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 278.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.00 278.21 Td (29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 264.21 Td (Short-term borrowings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.00 264.20 Td (\(59) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.00 264.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.50 264.21 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 250.21 Td (Long-term debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.50 250.20 Td (343) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 250.21 Td (\(307) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 250.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 236.20 Td (Total liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 236.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.50 236.20 Td (133) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.00 236.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 236.21 Td (\(352) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 236.21 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 213.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 213.65 Td (Includes mortgage loans held by mortgage loan securitization ) Tj ET Q q 0 0 0 rg BT 252.91 213.65 Td (VIEs consolidated upon the adoption of ) Tj ET Q q 0 0 0 rg BT 381.77 213.65 Td (ASC 810, ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 415.34 213.65 Td (Consolidation) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.68 213.65 Td ( \(SF) Tj ET Q q 0 0 0 rg BT 473.64 213.65 Td (AS167\), on January1, 2010.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 204.05 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 204.05 Td (Includes gains \(losses\) associated with interest rate lock-commitments for those loans that have been originated and elected under the fair value option.) Tj ET Q endstream endobj 559 0 obj <> endobj 560 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (277) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Own Debt ) Tj ET Q q 0 0 0 rg BT 81.93 749.25 Td (V) Tj ET Q q 0 0 0 rg BT 88.24 749.25 Td (aluation ) Tj ET Q q 0 0 0 rg BT 125.19 749.25 Td (Adjustments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Own debt valuation adjustments are recognized on Citi) Tj ET Q q 0 0 0 rg BT 259.00 737.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (liabilities for which the fair value option has been elected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (using Citi) Tj ET Q q 0 0 0 rg BT 77.95 713.25 Td (s credit spreads observed in the bond market. ) Tj ET Q q 0 0 0 rg BT 260.78 713.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (fair value of liabilities for which the fair value option is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (elected \(other than non-recourse and similar liabilities\) is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (impacted by the narrowing or widening of the Company) Tj ET Q q 0 0 0 rg BT 263.72 677.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (credit spreads. ) Tj ET Q q 0 0 0 rg BT 96.07 665.25 Td (The estimated change in the fair value of these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (liabilities due to such changes in the Company) Tj ET Q q 0 0 0 rg BT 225.13 653.25 Td (s own credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (risk \(or instrument-specific credit risk\) was a gain of $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.99 641.25 Td (367 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.89 629.25 Td ( and $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.33 629.25 Td (218 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.72 629.25 Td ( for the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.07 629.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 617.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.44 617.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.44 617.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 148.10 617.25 Td (. Changes in fair value resulting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (from changes in instrument-specific credit risk were estimated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (by incorporating the Company) Tj ET Q q 0 0 0 rg BT 161.25 593.25 Td (s current credit spreads ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (observable in the bond market into the relevant valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (technique used to value each liability as described above.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (The Fair) Tj ET Q q 0 0 0 rg BT 73.31 545.25 Td ( ) Tj ET Q q 0 0 0 rg BT 75.63 545.25 Td (V) Tj ET Q q 0 0 0 rg BT 81.94 545.25 Td (alue Option for) Tj ET Q q 0 0 0 rg BT 147.31 545.25 Td ( Financial ) Tj ET Q q 0 0 0 rg BT 191.77 545.25 Td (Assets and Financial ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (Liabilities) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (Selected Portfolios of Securities Purchased Under ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (Agreements to Resell, Securities Borrowed, Securities Sold ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 64.24 485.25 Td (Agreements to Repurchase, Securities Loaned and ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (Certain Non-Collateralized Short-T) Tj ET Q q 0 0 0 rg BT 181.77 473.25 Td (erm Borrowings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (The Company elected the fair value option for certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (portfolios of fixed-income securities purchased under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (agreements to resell and fixed-income securities sold under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (agreements to repurchase, securities borrowed, securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (loaned, and certain non-collateralized short-term borrowings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (held primarily by broker) Tj ET Q q 0 0 0 rg BT 133.83 401.25 Td (-dealer entities in the United States, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (United Kingdom and Japan. In each case, the election was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (made because the related interest-rate risk is managed on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (portfolio basis, primarily with derivative instruments that are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (accounted for at fair value through earnings. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (Changes in fair value for transactions in these portfolios ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (are recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 386.46 737.10 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.18 737.10 Td (. ) Tj ET Q q 0 0 0 rg BT 481.00 737.10 Td (The related interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (revenue and interest expense are measured based on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (contractual rates specified in the transactions and are reported ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (as interest revenue and expense in the Consolidated Statement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (of Income.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (Certain Loans and Other Credit Products) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (Citigroup has elected the fair value option for certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (originated and purchased loans, including certain unfunded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (loan products, such as guarantees and letters of credit, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (executed by Citigroup) Tj ET Q q 0 0 0 rg BT 415.65 617.10 Td (s lending and trading businesses. None ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (of these credit products are highly leveraged financing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (commitments. Significant groups of transactions include loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (and unfunded loan products that are expected to be either sold ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (or securitized in the near term, or transactions where the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (economic risks are hedged with derivative instruments, such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (as purchased credit default swaps or total return swaps where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (the Company pays the total return on the underlying loans to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (third party) Tj ET Q q 0 0 0 rg BT 365.28 521.10 Td (. Citigroup has elected the fair value option to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (mitigate accounting mismatches in cases where hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (accounting is complex and to achieve operational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (simplifications. Fair value was not elected for most lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (transactions across the Company) Tj ET Q q 0 0 0 rg BT 454.71 473.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 333.25 Td (The following table provides information about certain credit products carried at fair value:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 285.75 325.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 285.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 285.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 285.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 285.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 257.75 325.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 257.75 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 257.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 257.75 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 530.50 257.75 45.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 308.75 m 425.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 308.75 m 470.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 308.75 m 530.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530.5 308.75 m 575.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 285.75 m 360.5 285.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 285.75 m 425.5 285.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 285.75 m 470.5 285.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 285.75 m 530.5 285.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 530.5 285.75 m 575.5 285.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 220.75 m 360.5 220.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 220.75 m 425.5 220.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 220.75 m 470.5 220.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 220.75 m 530.5 220.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 530.5 220.75 m 575.5 220.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 313.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 378.70 313.20 Td (December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.10 313.21 Td (December 31, 2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 290.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.95 290.20 Td (Trading assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.70 290.20 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.25 290.21 Td (Trading assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.50 290.21 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 276.21 Td (Carrying amount reported on the Consolidated Balance Sheet) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 363.00 276.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.75 276.20 Td (9,314) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 428.00 276.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.75 276.20 Td (5,005) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 276.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.25 276.21 Td (10,290) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.00 276.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 276.21 Td (5,901) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 262.21 Td (Aggregate unpaid principal balance in excess of \(less than\) fair value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.50 262.20 Td (980) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.50 262.20 Td (280) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.50 262.21 Td (234) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 262.21 Td (125) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 248.21 Td (Balance of non-accrual loans or loans more than 90days past due) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.50 248.20 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.50 248.20 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 248.21 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 248.21 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 234.21 Td (Aggregate unpaid principal balance in excess of fair value for non-accrual loans or) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 225.21 Td (loans more than 90days past due) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 225.20 Td (13) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.50 225.20 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 225.21 Td (28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 567.50 225.21 Td (1) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 200.25 Td (In addition to the amounts reported above, $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.18 200.25 Td (2,1) Tj ET Q q 0 0 0 rg BT 243.31 200.25 Td (13 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.70 200.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 188.25 Td (and $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.94 188.25 Td (2,335 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.83 188.25 Td ( of unfunded commitments related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 176.25 Td (certain credit products selected for fair value accounting were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 164.25 Td (outstanding as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.83 164.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.41 164.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.85 164.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.85 164.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 277.51 164.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 200.25 Td (Changes in the fair value of funded and unfunded credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 188.25 Td (products are classified in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 426.19 188.25 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.91 188.25 Td ( in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 176.25 Td (Company) Tj ET Q q 0 0 0 rg BT 365.67 176.25 Td (s Consolidated Statement of Income. Related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 164.25 Td (interest revenue is measured based on the contractual interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 152.25 Td (rates and reported as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 408.96 152.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 428.03 152.25 Td (est r) Tj ET Q q 0 0 0 rg BT 445.16 152.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.91 152.25 Td ( on ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 487.91 152.25 Td (T) Tj ET Q q 0 0 0 rg BT 492.92 152.25 Td (rading account ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 140.25 Td (assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.89 140.25 Td ( or loan interest depending on the balance sheet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 128.25 Td (classifications of the credit products. ) Tj ET Q q 0 0 0 rg BT 473.22 128.25 Td (The changes in fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 116.25 Td (for the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.85 116.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.44 116.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.88 116.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.88 116.25 Td ( due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 104.25 Td (instrument-specific credit risk totaled to a loss of $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.28 104.25 Td (221 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 573.67 104.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 92.25 Td (and $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.94 92.25 Td (155 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.33 92.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 444.99 92.25 Td (.) Tj ET Q endstream endobj 561 0 obj <> endobj 562 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (278) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Certain Investments in Unallocated Precious Metals) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Citigroup invests in unallocated precious metals accounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (\(gold, silver) Tj ET Q q 0 0 0 rg BT 83.92 725.25 Td (, platinum and palladium\) as part of its commodity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (and foreign currency trading activities or to economically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (hedge certain exposures from issuing structured liabilities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 62.94 689.25 Td (ASC 815, the investment is bifurcated into a debt host ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (contract and a commodity forward derivative instrument. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (Citigroup elects the fair value option for the debt host contract, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (and reports the debt host contract within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 199.57 653.25 Td (T) Tj ET Q q 0 0 0 rg BT 204.58 653.25 Td (rading account ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.89 641.25 Td ( on the Company) Tj ET Q q 0 0 0 rg BT 131.27 641.25 Td (s Consolidated Balance Sheet. ) Tj ET Q q 0 0 0 rg BT 254.68 641.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (total carrying amount of debt host contracts across unallocated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (precious metals accounts was approximately $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.78 617.25 Td (0.6 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.89 617.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 41.00 605.25 Td (1.2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.11 605.25 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.33 605.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.91 605.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.35 605.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.35 605.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 265.01 605.25 Td (. ) Tj ET Q q 0 0 0 rg BT 269.83 605.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (amounts are expected to fluctuate based on trading activity in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (future periods.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 569.25 Td (As part of its commodity and foreign currency trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (activities, Citi sells \(buys\) unallocated precious metals ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (investments and executes forward purchase \(sale\) derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (contracts with trading counterparties. ) Tj ET Q q 0 0 0 rg BT 187.16 533.25 Td (When Citi sells an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (unallocated precious metals investment, Citi) Tj ET Q q 0 0 0 rg BT 216.23 521.25 Td (s receivable from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (its depository bank is repaid and Citi derecognizes its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (investment in the unallocated precious metal. ) Tj ET Q q 0 0 0 rg BT 219.37 497.25 Td (The forward ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (purchase \(sale\) contract with the trading counterparty indexed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (to unallocated precious metals is accounted for as a derivative, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (at fair value through earnings. ) Tj ET Q q 0 0 0 rg BT 158.18 461.25 Td (As of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.63 461.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.21 461.25 Td (, there ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (were approximately $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.19 449.25 Td (10.6 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.30 449.25 Td ( and $) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.74 449.25 Td (9.2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.85 449.25 Td ( notional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (amounts of such forward purchase and forward sale derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (contracts outstanding, respectively) Tj ET Q q 0 0 0 rg BT 173.92 425.25 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Certain Investments in Private Equity and Real Estate ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (V) Tj ET Q q 0 0 0 rg BT 329.56 737.25 Td (entures and Certain Equity Method and Other Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (Citigroup invests in private equity and real estate ventures for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (the purpose of earning investment returns and for capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (appreciation. ) Tj ET Q q 0 0 0 rg BT 378.24 701.25 Td (The Company has elected the fair value option ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (for certain of these ventures, because such investments are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (considered similar to many private equity or hedge fund ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (activities in Citi) Tj ET Q q 0 0 0 rg BT 390.66 665.25 Td (s investment companies, which are reported at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (fair value. ) Tj ET Q q 0 0 0 rg BT 366.85 653.25 Td (The fair value option brings consistency in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 Td (accounting and evaluation of these investments. ) Tj ET Q q 0 0 0 rg BT 517.56 641.25 Td (All ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.25 Td (investments \(debt and equity\) in such private equity and real ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 Td (estate entities are accounted for at fair value. ) Tj ET Q q 0 0 0 rg BT 505.11 617.25 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.25 Td (investments are classified as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 440.07 605.25 Td (Investments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.28 605.25 Td ( on Citigroup) Tj ET Q q 0 0 0 rg BT 543.39 605.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.25 Td (Consolidated Balance Sheet.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 581.25 Td (Changes in the fair values of these investments are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.25 Td (classified in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 374.54 569.25 Td (Other r) Tj ET Q q 0 0 0 rg BT 403.89 569.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.65 569.25 Td ( in the Company) Tj ET Q q 0 0 0 rg BT 500.81 569.25 Td (s Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.25 Td (Statement of Income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 545.25 Td (Citigroup also elects the fair value option for certain non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.25 Td (marketable equity securities whose risk is managed with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.25 Td (derivative instruments that are accounted for at fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 Td (through earnings. ) Tj ET Q q 0 0 0 rg BT 396.30 509.25 Td (These securities are classified as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 528.75 509.25 Td (T) Tj ET Q q 0 0 0 rg BT 533.76 509.25 Td (rading ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 497.25 Td (account assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.05 497.25 Td ( on Citigroup) Tj ET Q q 0 0 0 rg BT 438.16 497.25 Td (s Consolidated Balance Sheet. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.25 Td (Changes in the fair value of these securities and the related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.25 Td (derivative instruments are recorded in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 478.11 473.25 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 567.83 473.25 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 449.25 Td (Certain Mortgage Loans HFS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.25 Td (Citigroup has elected the fair value option for certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.25 Td (purchased and originated prime fixed-rate and conforming ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.25 Td (adjustable-rate first mortgage loans HFS. ) Tj ET Q q 0 0 0 rg BT 491.00 413.25 Td (These loans are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.25 Td (intended for sale or securitization and are hedged with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.25 Td (derivative instruments. ) Tj ET Q q 0 0 0 rg BT 417.96 389.25 Td (The Company has elected the fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.25 Td (value option to mitigate accounting mismatches in cases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.25 Td (where hedge accounting is complex and to achieve operational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.25 Td (simplifications.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.25 Td (The following table provides information about certain mortgage loans HFS carried at fair value:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 295.75 398.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 295.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 295.75 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 267.75 398.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 267.75 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 267.75 70.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 295.75 m 433.5 295.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 295.75 m 505.5 295.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 295.75 m 575.5 295.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 295.75 m 505.5 295.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 230.75 m 433.5 230.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 230.75 m 505.5 230.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 230.75 m 575.5 230.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 300.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.80 309.20 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.00 300.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.75 309.21 Td (December 31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.00 300.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 286.21 Td (Carrying amount reported on the Consolidated Balance Sheet) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.00 286.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 488.50 286.20 Td (745) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 286.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 286.21 Td (1,447) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 272.21 Td (Aggregate fair value in excess of unpaid principal balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 272.20 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 272.21 Td (67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 258.21 Td (Balance of non-accrual loans or loans more than 90days past due) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 258.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 258.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 244.21 Td (Aggregate unpaid principal balance in excess of fair value for non-accrual loans or loans more than 90days) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 235.21 Td (past due) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.00 235.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 235.21 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 198.25 Td (The changes in the fair values of these mortgage loans are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 186.25 Td (reported in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 82.09 186.25 Td (Other r) Tj ET Q q 0 0 0 rg BT 111.44 186.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.20 186.25 Td ( in the Company) Tj ET Q q 0 0 0 rg BT 208.36 186.25 Td (s Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 174.25 Td (Statement of Income. ) Tj ET Q q 0 0 0 rg BT 124.13 174.25 Td (There was no net change in fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 162.25 Td (during the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.30 162.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.88 162.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.32 162.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.32 162.25 Td ( due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 150.25 Td (instrument-specific credit risk. Related interest income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 138.25 Td (continues to be measured based on the contractual interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 126.25 Td (rates and reported as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 120.96 126.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 140.03 126.25 Td (est r) Tj ET Q q 0 0 0 rg BT 157.16 126.25 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.91 126.25 Td ( in the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 114.25 Td (Statement of Income.) Tj ET Q endstream endobj 563 0 obj <> endobj 564 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (279) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Certain Structured Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (The Company has elected the fair value option for certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (structured liabilities whose performance is linked to structured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (interest rates, inflation, currency) Tj ET Q q 0 0 0 rg BT 165.02 713.25 Td (, equity) Tj ET Q q 0 0 0 rg BT 194.36 713.25 Td (, referenced credit or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (commodity risks. ) Tj ET Q q 0 0 0 rg BT 107.76 701.25 Td (The Company elected the fair value option, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (because these exposures are considered to be trading-related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (positions and, therefore, are managed on a fair value basis. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (These positions will continue to be classified as debt, deposits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (or derivatives \() Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 96.53 653.25 Td (T) Tj ET Q q 0 0 0 rg BT 101.54 653.25 Td (rading account liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.65 653.25 Td (\) on the Company) Tj ET Q q 0 0 0 rg BT 277.36 653.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (Consolidated Balance Sheet according to their legal form.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 621.25 Td (The following table provides information about the carrying value of structured notes, disaggregated by type of embedded derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 609.25 Td (instrument:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 584.75 374.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 584.75 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 584.75 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 556.75 374.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 556.75 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 556.75 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 528.75 374.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 528.75 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 528.75 83.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 584.75 m 409.5 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 584.75 m 492.5 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 584.75 m 575.5 584.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 514.75 m 409.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 514.75 m 492.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 514.75 m 575.5 514.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 500.75 m 409.5 500.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 500.75 m 492.5 500.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 500.75 m 575.5 500.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 589.00 Td (In billions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 414.20 589.20 Td (December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.10 589.21 Td (December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 575.21 Td (Interest rate linked) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 575.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.75 575.20 Td (9.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 575.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 575.21 Td (10.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 561.21 Td (Foreign exchange linked) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.75 561.20 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 561.21 Td (0.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 547.21 Td (Equity linked) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.75 547.20 Td (9.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 547.21 Td (8.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 533.21 Td (Commodity linked) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.75 533.20 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 533.21 Td (1.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 519.21 Td (Credit linked) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.75 519.20 Td (1.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 560.75 519.21 Td (2.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 505.20 Td (T) Tj ET Q q 0 0 0 rg BT 43.18 505.20 Td (otal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.00 505.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.25 505.20 Td (22.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 505.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 505.21 Td (23.1) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 480.25 Td (The change in the fair value of these structured liabilities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 468.25 Td (is reported in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 91.26 468.25 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.99 468.25 Td ( in the Company) Tj ET Q q 0 0 0 rg BT 250.15 468.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 456.25 Td (Consolidated Statement of Income. Changes in the fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 444.25 Td (of these structured liabilities include an economic component ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 432.25 Td (for accrued interest, which is included in the change in fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 420.25 Td (value reported in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 106.25 420.25 Td (Principal transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.97 420.25 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 480.25 Td (Certain Non-Structured Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 468.25 Td (The Company has elected the fair value option for certain non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 456.25 Td (structured liabilities with fixed and floating interest rates. ) Tj ET Q q 0 0 0 rg BT 555.70 456.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 444.25 Td (Company has elected the fair value option where the interest-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 432.25 Td (rate risk of such liabilities is economically hedged with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 420.25 Td (derivative contracts or the proceeds are used to purchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 408.25 Td (financial assets that will also be accounted for at fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 396.25 Td (through earnings. ) Tj ET Q q 0 0 0 rg BT 396.30 396.25 Td (The election has been made to mitigate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 384.25 Td (accounting mismatches and to achieve operational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 372.25 Td (simplifications. ) Tj ET Q q 0 0 0 rg BT 388.26 372.25 Td (These positions are reported in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 514.05 372.25 Td (Short-term ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 360.25 Td (borr) Tj ET Q q 0 0 0 rg BT 341.41 360.25 Td (owings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.75 360.25 Td ( and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 389.19 360.25 Td (Long-term debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.13 360.25 Td ( on the Company) Tj ET Q q 0 0 0 rg BT 522.51 360.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 348.25 Td (Consolidated Balance Sheet. ) Tj ET Q q 0 0 0 rg BT 441.01 348.25 Td (The change in the fair value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 336.25 Td (these non-structured liabilities is reported in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 502.84 336.25 Td (Principal ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 324.25 Td (transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.45 324.25 Td ( in the Company) Tj ET Q q 0 0 0 rg BT 442.61 324.25 Td (s Consolidated Statement of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 312.25 Td (Income. Related interest expense on non-structured liabilities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 300.25 Td (is measured based on the contractual interest rates and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 288.25 Td (reported as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 370.65 288.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 389.71 288.25 Td (est expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.97 288.25 Td ( in the Consolidated Statement of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 276.25 Td (Income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 252.25 Td (The following table provides information about long-term debt carried at fair value:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 213.75 378.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 413.50 213.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 213.75 77.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 227.75 m 413.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 227.75 m 498.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 227.75 m 575.5 227.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 199.75 m 413.5 199.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 199.75 m 498.5 199.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 199.75 m 575.5 199.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 232.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.20 232.20 Td (December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.10 232.21 Td (December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 218.21 Td (Carrying amount reported on the Consolidated Balance Sheet) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.00 218.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.25 218.20 Td (25,293) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 218.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 218.21 Td (26,180) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 204.21 Td (Aggregate unpaid principal balance in excess of \(less than\) fair value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.75 204.20 Td (1,569) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.50 204.21 Td (\(151) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 204.21 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 180.25 Td (The following table provides information about short-term borrowings carried at fair value:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 152.75 372.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 152.75 85.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 152.75 83.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 152.75 m 407.5 152.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 152.75 m 492.5 152.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 152.75 m 575.5 152.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 124.75 m 407.5 124.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 124.75 m 492.5 124.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 124.75 m 575.5 124.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 157.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.20 157.20 Td (December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.10 157.21 Td (December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 143.21 Td (Carrying amount reported on the Consolidated Balance Sheet) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.00 143.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.75 143.20 Td (1,207) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 143.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 143.21 Td (1,496) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 129.21 Td (Aggregate unpaid principal balance in excess of \(less than\) fair value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.50 129.20 Td (130) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 129.21 Td (31) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 565 0 obj <> endobj 566 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (280) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (27.PLEDGED ) Tj ET Q q 0 0 0 rg BT 106.29 749.25 Td (ASSETS, COLLA) Tj ET Q q 0 0 0 rg BT 183.35 749.25 Td (TERAL, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (GUARANTEES ) Tj ET Q q 0 0 0 rg BT 107.41 737.25 Td (AND COMMITMENTS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 711.85 Td (Pledged ) Tj ET Q q 0 0 0 rg BT 71.83 711.85 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 699.85 Td (In connection with the Company) Tj ET Q q 0 0 0 rg BT 169.86 699.85 Td (s financing and trading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 687.85 Td (activities, the Company has pledged assets to collateralize its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 675.85 Td (obligations under repurchase agreements, secured financing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 663.85 Td (agreements, secured liabilities of consolidated ) Tj ET Q q 0 0 0 rg BT 222.98 663.85 Td (VIEs and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 651.85 Td (borrowings. ) Tj ET Q q 0 0 0 rg BT 86.37 651.85 Td (The approximate carrying values of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 639.85 Td (significant components of pledged assets recognized on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 627.85 Td (Company) Tj ET Q q 0 0 0 rg BT 77.67 627.85 Td (s Consolidated Balance Sheet included:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 42.50 580.35 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 179.50 580.35 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 580.35 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.50 552.35 137.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 179.50 552.35 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 552.35 50.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42.5 594.35 m 179.5 594.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 179.5 594.35 m 230.5 594.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 594.35 m 280.5 594.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42.5 552.35 m 179.5 552.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42.5 538.35 m 179.5 538.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 179.5 552.35 m 230.5 552.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 179.5 538.35 m 230.5 538.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 552.35 m 280.5 552.35 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 538.35 m 280.5 538.35 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 45.00 598.60 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.50 598.80 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.00 598.81 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 584.81 Td (Investment securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 182.00 584.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.75 584.80 Td (210,604) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 584.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 247.75 584.81 Td (173,015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 570.81 Td (Loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.75 570.80 Td (203,568) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 247.75 570.81 Td (214,530) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 556.81 Td (Trading account assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.25 556.80 Td (97,205) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 247.75 556.81 Td (111,832) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 542.80 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 182.00 542.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 197.75 542.80 Td (511,377) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 233.00 542.81 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 247.75 542.81 Td (499,377) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 514.85 Td (In addition, included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 149.82 514.85 Td (Cash and due fr) Tj ET Q q 0 0 0 rg BT 213.61 514.85 Td (om banks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.67 514.85 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.85 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.58 502.85 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.02 502.85 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.02 502.85 Td ( were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.45 502.85 Td ($5.0 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.56 502.85 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.00 502.85 Td ($6.2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.85 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.11 490.85 Td (, respectively) Tj ET Q q 0 0 0 rg BT 114.77 490.85 Td (, of cash segregated under federal and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.85 Td (other brokerage regulations or deposited with clearing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.85 Td (or) Tj ET Q q 0 0 0 rg BT 44.15 466.85 Td (ganizations.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 442.85 Td (Collateral) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.85 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 48.50 430.85 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.08 430.85 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.52 430.85 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.52 430.85 Td (, the approximate fair value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.85 Td (collateral received by the Company that may be resold or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.85 Td (repledged, excluding the impact of allowable netting, was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 394.85 Td ($347.5 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.11 394.85 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.55 394.85 Td ($346.7 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.67 394.85 Td (, respectively) Tj ET Q q 0 0 0 rg BT 220.33 394.85 Td (. ) Tj ET Q q 0 0 0 rg BT 225.15 394.85 Td (This collateral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.85 Td (was received in connection with resale agreements, securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.85 Td (borrowings and loans, derivative transactions and mar) Tj ET Q q 0 0 0 rg BT 252.15 370.85 Td (gined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.85 Td (broker loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 346.85 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.50 346.85 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.08 346.85 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.52 346.85 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.52 346.85 Td (, a substantial portion of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 334.85 Td (the collateral received by the Company had been sold or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 322.85 Td (repledged in connection with repurchase agreements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 310.85 Td (securities sold, not yet purchased, securities borrowings and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 298.85 Td (loans, pledges to clearing or) Tj ET Q q 0 0 0 rg BT 148.29 298.85 Td (ganizations, segregation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 286.85 Td (requirements under securities laws and regulations, derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 274.85 Td (transactions and bank loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 262.85 Td (In addition, at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.32 262.85 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.90 262.85 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.34 262.85 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.34 262.85 Td (, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 250.85 Td (Company had pledged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.48 250.85 Td ($405 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.09 250.85 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.53 250.85 Td ($378 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.15 250.85 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 371.66 749.10 Td (, of collateral that may not be sold or repledged by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (the secured parties.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (Lease Commitments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (Rental expense \(principally for of) Tj ET Q q 0 0 0 rg BT 458.77 701.10 Td (fices and computer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (equipment\) was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.09 689.10 Td ($1.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.21 689.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.21 689.10 Td ($1.4 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.32 689.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.76 689.10 Td ($1.5 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.87 689.10 Td ( for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.69 677.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.28 677.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.28 677.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.28 677.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.71 677.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.71 677.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 371.66 665.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 653.10 Td (Future minimum annual rentals under noncancellable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (leases, net of sublease income, are as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 327.00 593.60 188.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.00 593.60 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.00 565.60 188.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.00 565.60 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.00 537.60 188.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.00 537.60 57.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327 607.6 m 515 607.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515 607.6 m 572 607.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327 523.6 m 515 523.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327 509.6 m 515 509.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515 523.6 m 572 523.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515 509.6 m 572 509.6 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 329.50 611.85 Td (In millions of dollars) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 598.06 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 598.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 598.06 Td (1,238) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 584.06 Td (2017) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 584.06 Td (1,002) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 570.06 Td (2018) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 570.06 Td (778) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 556.06 Td (2019) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 556.06 Td (698) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 542.06 Td (2020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 555.00 542.06 Td (567) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 329.50 528.06 Td (Thereafter) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 528.06 Td (4,483) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.50 514.05 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 514.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 514.06 Td (8,766) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 486.10 Td (Guarantees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 474.10 Td (Citi provides a variety of guarantees and indemnifications to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 462.10 Td (its customers to enhance their credit standing and enable them ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 450.10 Td (to complete a wide variety of business transactions. For) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 438.10 Td (certain contracts meeting the definition of a guarantee, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 426.10 Td (guarantor must recognize, at inception, a liability for the fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 414.10 Td (value of the obligation undertaken in issuing the guarantee.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 402.10 Td (In addition, the guarantor must disclose the maximum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 390.10 Td (potential amount of future payments that the guarantor could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 378.10 Td (be required to make under the guarantee, if there were a total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 366.10 Td (default by the guaranteed parties. ) Tj ET Q q 0 0 0 rg BT 459.32 366.10 Td (The determination of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 354.10 Td (maximum potential future payments is based on the notional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 342.10 Td (amount of the guarantees without consideration of possible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 330.10 Td (recoveries under recourse provisions or from collateral held or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 318.10 Td (pledged. ) Tj ET Q q 0 0 0 rg BT 360.10 318.10 Td (As such, Citi believes such amounts bear no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 306.10 Td (relationship to the anticipated losses, if any) Tj ET Q q 0 0 0 rg BT 496.36 306.10 Td (, on these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 294.10 Td (guarantees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 282.10 Td (The following tables present information about Citi) Tj ET Q q 0 0 0 rg BT 550.85 282.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 270.10 Td (guarantees:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 42.50 194.35 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 194.35 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 194.35 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 194.35 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 194.35 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.50 166.35 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 166.35 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 166.35 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 166.35 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 166.35 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.50 138.35 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 138.35 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 138.35 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 138.35 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 138.35 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.50 110.35 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 110.35 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 110.35 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 110.35 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 110.35 91.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 217.35000000000002 m 352.5 217.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 217.35000000000002 m 415.5 217.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 217.35000000000002 m 477.5 217.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42.5 194.35000000000002 m 289.5 194.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 194.35000000000002 m 352.5 194.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 194.35000000000002 m 415.5 194.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 194.35000000000002 m 477.5 194.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 194.35000000000002 m 568.5 194.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 194.35000000000002 m 352.5 194.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 194.35000000000002 m 415.5 194.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 194.35000000000002 m 477.5 194.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 194.35000000000002 m 568.5 194.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42.5 96.35000000000002 m 289.5 96.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 42.5 82.35000000000002 m 289.5 82.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 96.35000000000002 m 352.5 96.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 82.35000000000002 m 352.5 82.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 96.35000000000002 m 415.5 96.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 82.35000000000002 m 415.5 82.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 96.35000000000002 m 477.5 96.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 82.35000000000002 m 477.5 82.35000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 96.35000000000002 m 568.5 96.35000000000002 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 82.35000000000002 m 568.5 82.35000000000002 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 221.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.05 230.80 Td (Maximum potential amount of future) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.45 221.80 Td (payments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 221.80 Td () Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 45.00 206.60 Td (In billions of dollars at December 31, 2015 except carrying value in) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 45.00 198.60 Td (millions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.20 207.80 Td (Expir) Tj ET Q q 0 0 0 rg BT 316.04 207.80 Td (e within) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.70 198.80 Td (1year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.25 207.80 Td (Expir) Tj ET Q q 0 0 0 rg BT 382.09 207.80 Td (e after) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.70 198.80 Td (1year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 207.80 Td (T) Tj ET Q q 0 0 0 rg BT 425.43 207.80 Td (otal amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.20 198.80 Td (outstanding) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.35 207.95 Td (Carrying value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 198.81 Td ( ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 487.50 198.81 Td (\(in millions of dollars\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 184.81 Td (Financial standby letters of credit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.00 184.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.25 184.80 Td (23.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.00 184.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.25 184.80 Td (73.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 184.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.25 184.80 Td (96.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 184.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 551.50 184.80 Td (153) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 170.81 Td (Performance guarantees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.75 170.80 Td (7.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.75 170.80 Td (4.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.25 170.80 Td (11.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.00 170.80 Td (24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 156.81 Td (Derivative instruments considered to be guarantees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.75 156.80 Td (3.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.25 156.80 Td (74.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.25 156.80 Td (78.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.75 156.80 Td (1,779) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 142.81 Td (Loans sold with recourse) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.00 142.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.75 142.80 Td (0.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.75 142.80 Td (0.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.00 142.80 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 128.81 Td (Securities lending indemnifications) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 172.47 132.89 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.25 128.80 Td (79.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.00 128.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.25 128.80 Td (79.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.00 128.80 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 114.81 Td (Credit card merchant processing) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 161.71 118.89 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 333.25 114.80 Td (84.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.00 114.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.25 114.80 Td (84.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.00 114.80 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 100.81 Td (Custody indemnifications and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.00 100.80 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.25 100.80 Td (51.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.25 100.80 Td (51.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 556.00 100.80 Td (56) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 86.80 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.00 86.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.75 86.80 Td (198.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.00 86.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.75 86.80 Td (203.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.00 86.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.75 86.80 Td (401.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 480.00 86.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 544.75 86.80 Td (2,029) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 567 0 obj <> endobj 568 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (281) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 42.50 709.50 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 709.50 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 709.50 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 709.50 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 709.50 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.50 681.50 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 681.50 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 681.50 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 681.50 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 681.50 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.50 653.50 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 653.50 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 653.50 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 653.50 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 653.50 91.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.50 625.50 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 625.50 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 625.50 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 625.50 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 625.50 91.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 732.5 m 352.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 732.5 m 415.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 732.5 m 477.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42.5 709.5 m 289.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 709.5 m 352.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 709.5 m 415.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 709.5 m 477.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 709.5 m 568.5 709.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42.5 611.5 m 289.5 611.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 42.5 597.5 m 289.5 597.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 611.5 m 352.5 611.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 597.5 m 352.5 597.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 611.5 m 415.5 611.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 597.5 m 415.5 597.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 611.5 m 477.5 611.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 597.5 m 477.5 597.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 611.5 m 568.5 611.5 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 597.5 m 568.5 597.5 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 736.95 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.60 736.96 Td (Maximum potential amount of future payments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 736.96 Td () Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 45.00 721.75 Td (In billions of dollars at December 31, 2014 except carrying value in) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 45.00 713.75 Td (millions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.85 722.96 Td (Expire within) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.35 713.96 Td (1year) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.10 722.96 Td (Expire after) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.35 713.96 Td (1year) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.15 722.96 Td (Total amount) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.00 713.96 Td (outstanding) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.60 722.96 Td (Carrying value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.05 713.96 Td ( ) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 487.30 713.96 Td (\() Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 490.30 713.96 Td (in millions of dollars\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 699.96 Td (Financial standby letters of credit) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.00 699.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.25 699.96 Td (25.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.00 699.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.25 699.96 Td (73.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.00 699.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.25 699.96 Td (98.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 699.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.50 699.96 Td (242) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 685.96 Td (Performance guarantees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.75 685.96 Td (7.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.75 685.96 Td (4.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.25 685.96 Td (11.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.00 685.96 Td (29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 671.96 Td (Derivative instruments considered to be guarantees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.25 671.96 Td (12.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.25 671.96 Td (79.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.25 671.96 Td (91.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.75 671.96 Td (2,806) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 657.96 Td (Loans sold with recourse) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.00 657.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.75 657.96 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.75 657.96 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.00 657.96 Td (15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 643.96 Td (Securities lending indemnifications) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 172.47 648.04 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.75 643.96 Td (115.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 643.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.75 643.96 Td (115.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.00 643.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 629.96 Td (Credit card merchant processing) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 161.71 634.04 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.25 629.96 Td (86.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.00 629.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.25 629.96 Td (86.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.00 629.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 615.96 Td (Custody indemnifications and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.00 615.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.25 615.96 Td (48.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.25 615.96 Td (48.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.00 615.96 Td (54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 601.96 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 292.00 601.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.75 601.96 Td (246.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.00 601.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.75 601.96 Td (206.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.00 601.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.75 601.96 Td (453.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 601.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.75 601.96 Td (3,146) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 580.40 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 580.40 Td (The carrying values of securities lending indemnifications and credit card merchant processing were not material for either period presented, as the probability of ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 570.80 Td (potential liabilities arising from these guarantees is minimal.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 546.80 Td (Financial Standby Letters of Credit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 534.80 Td (Citi issues standby letters of credit, which substitute its own ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 522.80 Td (credit for that of the borrower) Tj ET Q q 0 0 0 rg BT 154.56 522.80 Td (. If a letter of credit is drawn ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 510.80 Td (down, the borrower is obligated to repay Citi. Standby letters ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 498.80 Td (of credit protect a third party from defaults on contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 486.80 Td (obligations. Financial standby letters of credit include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 474.80 Td (\(i\)guarantees of payment of insurance premiums and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 462.80 Td (reinsurance risks that support industrial revenue bond ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 450.80 Td (underwriting; \(ii\)settlement of payment obligations to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 438.80 Td (clearing houses, including futures and over) Tj ET Q q 0 0 0 rg BT 207.97 438.80 Td (-the-counter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 426.80 Td (derivatives clearing \(see further discussion below\); ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 414.80 Td (\(iii\)support options and purchases of securities in lieu of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 402.80 Td (escrow deposit accounts; and \(iv\)letters of credit that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 390.80 Td (backstop loans, credit facilities, promissory notes and trade ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 378.80 Td (acceptances.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 354.80 Td (Performance Guarantees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 342.80 Td (Performance guarantees and letters of credit are issued to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 330.80 Td (guarantee a customer) Tj ET Q q 0 0 0 rg BT 121.33 330.80 Td () Tj ET Q q 0 0 0 rg BT 124.11 330.80 Td (s tender bid on a construction or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 318.80 Td (systems-installation project or to guarantee completion of such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 306.80 Td (projects in accordance with contract terms. ) Tj ET Q q 0 0 0 rg BT 209.91 306.80 Td (They are also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 294.80 Td (issued to support a customer) Tj ET Q q 0 0 0 rg BT 150.24 294.80 Td () Tj ET Q q 0 0 0 rg BT 153.02 294.80 Td (s obligation to supply specified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 282.80 Td (products, commodities, or maintenance or warranty services to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 270.80 Td (a third party) Tj ET Q q 0 0 0 rg BT 84.22 270.80 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 246.80 Td (Derivative Instruments Considered to Be Guarantees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 234.80 Td (Derivatives are financial instruments whose cash flows are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 222.80 Td (based on a notional amount and an underlying instrument, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 210.80 Td (reference credit or index, where there is little or no initial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 198.80 Td (investment, and whose terms require or permit net settlement. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 186.80 Td (For a discussion of Citi) Tj ET Q q 0 0 0 rg BT 132.11 186.80 Td (s derivatives activities, see Note23 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 174.80 Td (the Consolidated Financial Statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 162.80 Td (Derivative instruments considered to be guarantees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 150.80 Td (include only those instruments that require Citi to make ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 138.80 Td (payments to the counterparty based on changes in an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 126.80 Td (underlying instrument that is related to an asset, a liability or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 114.80 Td (an equity security held by the guaranteed party) Tj ET Q q 0 0 0 rg BT 222.78 114.80 Td (. More ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 102.80 Td (specifically) Tj ET Q q 0 0 0 rg BT 81.44 102.80 Td (, derivative instruments considered to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 90.80 Td (guarantees include certain over) Tj ET Q q 0 0 0 rg BT 160.46 90.80 Td (-the-counter written put options ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 78.80 Td (where the counterparty is not a bank, hedge fund or broker) Tj ET Q q 0 0 0 rg BT 270.44 78.80 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 66.80 Td (dealer \(such counterparties are considered to be dealers in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 54.80 Td (these markets and may) Tj ET Q q 0 0 0 rg BT 126.71 54.80 Td (, therefore, not hold the underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 534.80 Td (instruments\). Credit derivatives sold by Citi are excluded from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 522.80 Td (the tables above as they are disclosed separately in Note23 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 510.80 Td (the Consolidated Financial Statements. In instances where ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 498.80 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 498.80 Td (s maximum potential future payment is unlimited, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 486.80 Td (notional amount of the contract is disclosed.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 462.80 Td (Loans Sold with Recourse) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 450.80 Td (Loans sold with recourse represent Citi) Tj ET Q q 0 0 0 rg BT 483.68 450.80 Td (s obligations to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 438.80 Td (reimburse the buyers for loan losses under certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 426.80 Td (circumstances. Recourse refers to the clause in a sales ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 414.80 Td (agreement under which a seller/lender will fully reimburse the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 402.80 Td (buyer/investor for any losses resulting from the purchased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 390.80 Td (loans. ) Tj ET Q q 0 0 0 rg BT 349.93 390.80 Td (This may be accomplished by the seller taking back any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 378.80 Td (loans that become delinquent.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 366.80 Td (In addition to the amounts shown in the tables above, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 354.80 Td (has recorded a repurchase reserve for its potential repurchases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 342.80 Td (or make-whole liability regarding residential mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 330.80 Td (representation and warranty claims related to its whole loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 318.80 Td (sales to the U.S. government-sponsored enterprises \(GSEs\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 306.80 Td (and, to a lesser extent, private investors. ) Tj ET Q q 0 0 0 rg BT 486.55 306.80 Td (The repurchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 294.80 Td (reserve was approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.68 294.80 Td ($152 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.07 294.80 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.51 294.80 Td ($224 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 555.90 294.80 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 282.80 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.58 282.80 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.02 282.80 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.02 282.80 Td (, respectively) Tj ET Q q 0 0 0 rg BT 494.68 282.80 Td (, and these amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 270.80 Td (are included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 385.92 270.80 Td (Other liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.53 270.80 Td ( on the Consolidated Balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 258.80 Td (Sheet.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 234.80 Td (Securities Lending Indemnifications) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 222.80 Td (Owners of securities frequently lend those securities for a fee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 210.80 Td (to other parties who may sell them short or deliver them to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 198.80 Td (another party to satisfy some other obligation. Banks may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 186.80 Td (administer such securities lending programs for their clients. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 174.80 Td (Securities lending indemnifications are issued by the bank to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 162.80 Td (guarantee that a securities lending customer will be made ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 150.80 Td (whole in the event that the security borrower does not return ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 138.80 Td (the security subject to the lending agreement and collateral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 126.80 Td (held is insuf) Tj ET Q q 0 0 0 rg BT 372.71 126.80 Td (ficient to cover the market value of the security) Tj ET Q q 0 0 0 rg BT 561.42 126.80 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 102.80 Td (Credit Card Merchant Processing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 90.80 Td (Credit card merchant processing guarantees represent the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 78.80 Td (Company) Tj ET Q q 0 0 0 rg BT 365.67 78.80 Td (s indirect obligations in connection with: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 66.80 Td (\(i\)providing transaction processing services to various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 54.80 Td (merchants with respect to its private-label cards; and ) Tj ET Q endstream endobj 569 0 obj <> endobj 570 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (282) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (\(ii\)potential liability for bank card transaction processing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (services. ) Tj ET Q q 0 0 0 rg BT 73.03 737.10 Td (The nature of the liability in either case arises as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (result of a billing dispute between a merchant and a cardholder ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (that is ultimately resolved in the cardholder) Tj ET Q q 0 0 0 rg BT 210.21 713.10 Td () Tj ET Q q 0 0 0 rg BT 212.99 713.10 Td (s favor) Tj ET Q q 0 0 0 rg BT 239.93 713.10 Td (. ) Tj ET Q q 0 0 0 rg BT 244.75 713.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (merchant is liable to refund the amount to the cardholder) Tj ET Q q 0 0 0 rg BT 262.87 701.10 Td (. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (general, if the credit card processing company is unable to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (collect this amount from the merchant, the credit card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (processing company bears the loss for the amount of the credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (or refund paid to the cardholder) Tj ET Q q 0 0 0 rg BT 162.34 653.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 641.10 Td (W) Tj ET Q q 0 0 0 rg BT 63.04 641.10 Td (ith regard to \(i\)above, Citi has the primary contingent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (liability with respect to its portfolio of private-label merchants. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (The risk of loss is mitigated as the cash flows between Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (and the merchant are settled on a net basis, and Citi has the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (right to of) Tj ET Q q 0 0 0 rg BT 75.81 593.10 Td (fset any payments with cash flows otherwise due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (the merchant. ) Tj ET Q q 0 0 0 rg BT 92.74 581.10 Td (T) Tj ET Q q 0 0 0 rg BT 98.15 581.10 Td (o further mitigate this risk, Citi may delay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (settlement, require a merchant to make an escrow deposit, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (include event triggers to provide Citi with more financial and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (operational control in the event of the financial deterioration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (of the merchant or require various credit enhancements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (\(including letters of credit and bank guarantees\). In the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (unlikely event that a private-label merchant is unable to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (deliver products, services or a refund to its private-label ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (cardholders, Citi is contingently liable to credit or refund ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (cardholders.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 461.10 Td (W) Tj ET Q q 0 0 0 rg BT 63.04 461.10 Td (ith regard to \(ii\)above, Citi has a potential liability for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (bank card transactions where Citi provides the transaction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (processing services as well as those where a third party ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (provides the services and Citi acts as a secondary guarantor) Tj ET Q q 0 0 0 rg BT 273.57 425.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (should that processor fail to perform.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 401.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 401.10 Td (s maximum potential contingent liability related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (both bank card and private-label merchant processing services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (is estimated to be the total volume of credit card transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (that meet the requirements to be valid char) Tj ET Q q 0 0 0 rg BT 206.59 365.10 Td (ge-back ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (transactions at any given time. ) Tj ET Q q 0 0 0 rg BT 159.86 353.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.36 353.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.94 353.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.00 341.10 Td (, this maximum potential exposure was estimated to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td ($84 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.61 329.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.05 329.10 Td ($86 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.67 329.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 195.33 329.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 317.10 Td (However) Tj ET Q q 0 0 0 rg BT 90.25 317.10 Td (, Citi believes that the maximum exposure is not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (representative of the actual potential loss exposure based on its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (historical experience. ) Tj ET Q q 0 0 0 rg BT 123.83 293.10 Td (This contingent liability is unlikely to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (arise, as most products and services are delivered when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (purchased and amounts are refunded when items are returned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (to merchants. Citi assesses the probability and amount of its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (contingent liability related to merchant processing based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (the financial strength of the primary guarantor) Tj ET Q q 0 0 0 rg BT 220.53 233.10 Td (, the extent and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (nature of unresolved char) Tj ET Q q 0 0 0 rg BT 137.72 221.10 Td (ge-backs and its historical loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (experience. ) Tj ET Q q 0 0 0 rg BT 83.75 209.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.25 209.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.83 209.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.27 209.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.27 209.10 Td (, the losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (incurred and the carrying amounts of Citi) Tj ET Q q 0 0 0 rg BT 204.29 197.10 Td (s contingent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (obligations related to merchant processing activities were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (immaterial.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (Custody Indemnifications) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (Custody indemnifications are issued to guarantee that custody ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (clients will be made whole in the event that a third-party ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (subcustodian or depository institution fails to safeguard ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (clients) Tj ET Q q 0 0 0 rg BT 64.69 101.10 Td ( assets.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Other Guarantees and Indemnifications) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (Cr) Tj ET Q q 0 0 0 rg BT 334.19 725.25 Td (edit Car) Tj ET Q q 0 0 0 rg BT 366.88 725.25 Td (d Pr) Tj ET Q q 0 0 0 rg BT 384.00 725.25 Td (otection Pr) Tj ET Q q 0 0 0 rg BT 428.35 725.25 Td (ograms) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (Citi, through its credit card businesses, provides various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (cardholder protection programs on several of its card products, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (including programs that provide insurance coverage for rental ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (cars, coverage for certain losses associated with purchased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (products, price protection for certain purchases and protection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (for lost luggage. ) Tj ET Q q 0 0 0 rg BT 391.58 653.25 Td (These guarantees are not included in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 Td (table, since the total outstanding amount of the guarantees and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 629.25 Td (s maximum exposure to loss cannot be quantified. ) Tj ET Q q 0 0 0 rg BT 544.62 629.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 Td (protection is limited to certain types of purchases and losses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.25 Td (and it is not possible to quantify the purchases that would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.25 Td (qualify for these benefits at any given time. Citi assesses the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.25 Td (probability and amount of its potential liability related to these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.25 Td (programs based on the extent and nature of its historical loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.25 Td (experience. ) Tj ET Q q 0 0 0 rg BT 371.75 557.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.25 557.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.83 557.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.27 557.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.27 557.25 Td (, the actual and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.25 Td (estimated losses incurred and the carrying value of Citi) Tj ET Q q 0 0 0 rg BT 547.27 545.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.25 Td (obligations related to these programs were immaterial.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 Td (Other Repr) Tj ET Q q 0 0 0 rg BT 368.90 509.25 Td (esentation and W) Tj ET Q q 0 0 0 rg BT 437.41 509.25 Td (arranty Indemnifications) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.25 Td (In the normal course of business, Citi provides standard ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.25 Td (representations and warranties to counterparties in contracts in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.25 Td (connection with numerous transactions and also provides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.25 Td (indemnifications, including indemnifications that protect the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.25 Td (counterparties to the contracts in the event that additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.25 Td (taxes are owed, due either to a change in the tax law or an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.25 Td (adverse interpretation of the tax law) Tj ET Q q 0 0 0 rg BT 467.46 425.25 Td (. Counterparties to these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.25 Td (transactions provide Citi with comparable indemnifications. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.25 Td (While such representations, warranties and indemnifications ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.25 Td (are essential components of many contractual relationships, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.25 Td (they do not represent the underlying business purpose for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.25 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 376.58 365.25 Td (The indemnification clauses are often standard ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.25 Td (contractual terms related to Citi) Tj ET Q q 0 0 0 rg BT 453.40 353.25 Td (s own performance under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.25 Td (terms of a contract and are entered into in the normal course of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.25 Td (business based on an assessment that the risk of loss is remote. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.25 Td (Often these clauses are intended to ensure that terms of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.25 Td (contract are met at inception. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.83 305.25 Td (No) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.05 305.25 Td ( compensation is received for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.25 Td (these standard representations and warranties, and it is not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.25 Td (possible to determine their fair value because they rarely) Tj ET Q q 0 0 0 rg BT 549.92 281.25 Td (, if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.25 Td (ever) Tj ET Q q 0 0 0 rg BT 340.81 269.25 Td (, result in a payment. In many cases, there are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.01 269.25 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.01 269.25 Td ( stated or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.25 Td (notional amounts included in the indemnification clauses, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.25 Td (the contingencies potentially triggering the obligation to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.25 Td (indemnify have not occurred and are not expected to occur) Tj ET Q q 0 0 0 rg BT 558.62 233.25 Td (. ) Tj ET Q q 0 0 0 rg BT 563.07 233.25 Td (As ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.25 Td (a result, these indemnifications are not included in the tables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.25 Td (above.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 185.25 Td (V) Tj ET Q q 0 0 0 rg BT 329.00 185.25 Td (alue-T) Tj ET Q q 0 0 0 rg BT 354.56 185.25 Td (ransfer Networks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.25 Td (Citi is a member of, or shareholder in, hundreds of value-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.25 Td (transfer networks \(VTNs\) \(payment, clearing and settlement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.25 Td (systems as well as exchanges\) around the world. ) Tj ET Q q 0 0 0 rg BT 519.79 149.25 Td (As a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.25 Td (condition of membership, many of these ) Tj ET Q q 0 0 0 rg BT 487.95 137.25 Td (VTNs require that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.25 Td (members stand ready to pay a pro rata share of the losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.25 Td (incurred by the or) Tj ET Q q 0 0 0 rg BT 395.18 113.25 Td (ganization due to another member) Tj ET Q q 0 0 0 rg BT 532.17 113.25 Td () Tj ET Q q 0 0 0 rg BT 534.95 113.25 Td (s default ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.25 Td (on its obligations. Citi) Tj ET Q q 0 0 0 rg BT 415.67 101.25 Td (s potential obligations may be limited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.25 Td (to its membership interests in the ) Tj ET Q q 0 0 0 rg BT 458.80 89.25 Td (VTNs, contributions to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.25 Td (VTN) Tj ET Q q 0 0 0 rg BT 347.33 77.25 Td (s funds, or) Tj ET Q q 0 0 0 rg BT 388.87 77.25 Td (, in limited cases, the obligation may be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.25 Td (unlimited. ) Tj ET Q q 0 0 0 rg BT 367.15 65.25 Td (The maximum exposure cannot be estimated as this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.25 Td (would require an assessment of future claims that have not yet ) Tj ET Q endstream endobj 571 0 obj <> endobj 572 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (283) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (occurred. Citi believes the risk of loss is remote given ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (historical experience with the ) Tj ET Q q 0 0 0 rg BT 156.33 737.10 Td (VTNs. ) Tj ET Q q 0 0 0 rg BT 185.22 737.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 234.55 737.10 Td (, Citi) Tj ET Q q 0 0 0 rg BT 257.34 737.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (participation in ) Tj ET Q q 0 0 0 rg BT 99.13 725.10 Td (VTNs is not reported in the guarantees tables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (above, and there are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.01 713.10 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.01 713.10 Td ( amounts reflected on the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (Balance Sheet as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.08 701.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.66 701.10 Td ( or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.99 701.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.99 701.10 Td ( for potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (obligations that could arise from Citi) Tj ET Q q 0 0 0 rg BT 186.25 689.10 Td (s involvement with ) Tj ET Q q 0 0 0 rg BT 265.23 689.10 Td (VTN ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (associations.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (Long-T) Tj ET Q q 0 0 0 rg BT 64.54 653.10 Td (erm Car) Tj ET Q q 0 0 0 rg BT 97.78 653.10 Td (e Insurance Indemnification) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (In the sale of an insurance subsidiary) Tj ET Q q 0 0 0 rg BT 183.64 641.10 Td (, the Company provided ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (an indemnification to an insurance company for policyholder ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (claims and other liabilities relating to a book of long-term care ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (\(L) Tj ET Q q 0 0 0 rg BT 44.52 605.10 Td (TC\) business \(for the entire term of the L) Tj ET Q q 0 0 0 rg BT 208.55 605.10 Td (TC policies\) that is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (fully reinsured by another insurance company) Tj ET Q q 0 0 0 rg BT 218.90 593.10 Td (. ) Tj ET Q q 0 0 0 rg BT 223.72 593.10 Td (The reinsurer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (has funded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.10 581.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.10 581.10 Td ( trusts with securities whose fair value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (\(approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.59 569.10 Td ($6.3 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.70 569.10 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.92 569.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.50 569.10 Td (, compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 46.28 557.10 Td ($6.2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.39 557.10 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.61 557.10 Td (December31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.19 557.10 Td (\) is designed to cover the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (insurance company) Tj ET Q q 0 0 0 rg BT 116.25 545.10 Td (s statutory liabilities for the L) Tj ET Q q 0 0 0 rg BT 233.92 545.10 Td (TC policies. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (The assets in these trusts are evaluated and adjusted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (periodically to ensure that the fair value of the assets continues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (to cover the estimated statutory liabilities related to the L) Tj ET Q q 0 0 0 rg BT 263.62 509.10 Td (TC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (policies, as those statutory liabilities change over time. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 485.10 Td (If the reinsurer fails to perform under the reinsurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (agreement for any reason, including insolvency) Tj ET Q q 0 0 0 rg BT 225.29 473.10 Td (, and the assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.00 461.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.00 461.10 Td ( trusts are insuf) Tj ET Q q 0 0 0 rg BT 137.19 461.10 Td (ficient or unavailable to the ceding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (insurance company) Tj ET Q q 0 0 0 rg BT 112.82 449.10 Td (, then Citi must indemnify the ceding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (insurance company for any losses actually incurred in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (connection with the L) Tj ET Q q 0 0 0 rg BT 122.56 425.10 Td (TC policies. Since both events would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (have to occur before Citi would become responsible for any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (payment to the ceding insurance company pursuant to its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (indemnification obligation, and the likelihood of such events ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (occurring is currently not probable, there is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.50 377.10 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.50 377.10 Td ( liability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (reflected in the Consolidated Balance Sheet as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.58 353.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.02 353.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.02 353.10 Td ( related to this indemnification. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (Citi continues to closely monitor its potential exposure under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (this indemnification obligation.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Futures and Over-the-Counter Derivatives Clearing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (Citi provides clearing services for clients executing exchange-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (traded futures and over) Tj ET Q q 0 0 0 rg BT 416.26 725.25 Td (-the-counter \(OTC\) derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (contracts with central counterparties \(CCPs\). Based on all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (relevant facts and circumstances, Citi has concluded that it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (acts as an agent for accounting purposes in its role as clearing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (member for these client transactions. ) Tj ET Q q 0 0 0 rg BT 473.39 677.25 Td (As such, Citi does not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (reflect the underlying exchange-traded futures or OTC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (derivatives contracts in its Consolidated Financial Statements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 Td (See Note23 for a discussion of Citi) Tj ET Q q 0 0 0 rg BT 469.26 641.25 Td (s derivatives activities that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.25 Td (are reflected in its Consolidated Financial Statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 617.25 Td (As a clearing member) Tj ET Q q 0 0 0 rg BT 429.62 617.25 Td (, Citi collects and remits cash and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.25 Td (securities collateral \(mar) Tj ET Q q 0 0 0 rg BT 422.66 605.25 Td (gin\) between its clients and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.25 Td (respective CCP) Tj ET Q q 0 0 0 rg BT 384.83 593.25 Td (. ) Tj ET Q q 0 0 0 rg BT 389.64 593.25 Td (There are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.17 593.25 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.17 593.25 Td ( types of mar) Tj ET Q q 0 0 0 rg BT 497.47 593.25 Td (gin: initial mar) Tj ET Q q 0 0 0 rg BT 556.72 593.25 Td (gin ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.25 Td (and variation mar) Tj ET Q q 0 0 0 rg BT 394.35 581.25 Td (gin. ) Tj ET Q q 0 0 0 rg BT 411.94 581.25 Td (Where Citi obtains benefits from or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.25 Td (controls cash initial mar) Tj ET Q q 0 0 0 rg BT 420.18 569.25 Td (gin \(e.g.,retains an interest spread\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.25 Td (cash initial mar) Tj ET Q q 0 0 0 rg BT 385.46 557.25 Td (gin collected from clients and remitted to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.25 Td (CCP) Tj ET Q q 0 0 0 rg BT 342.53 545.25 Td ( is reflected within ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 419.73 545.25 Td (Br) Tj ET Q q 0 0 0 rg BT 429.36 545.25 Td (okerage Payables) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.72 545.25 Td ( \(payables to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.25 Td (customers\) and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 387.32 533.25 Td (Br) Tj ET Q q 0 0 0 rg BT 396.94 533.25 Td (okerage Receivables) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.40 533.25 Td ( \(receivables from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.25 Td (brokers, dealers and clearing or) Tj ET Q q 0 0 0 rg BT 449.60 521.25 Td (ganizations\), respectively) Tj ET Q q 0 0 0 rg BT 551.13 521.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 Td (However) Tj ET Q q 0 0 0 rg BT 360.25 509.25 Td (, for OTC derivatives contracts where Citi has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.25 Td (contractually agreed with the client that \(i\)Citi will pass ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.25 Td (through to the client all interest paid by the CCP) Tj ET Q q 0 0 0 rg BT 517.21 485.25 Td ( on cash initial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.25 Td (mar) Tj ET Q q 0 0 0 rg BT 339.37 473.25 Td (gin; \(ii\)Citi will not utilize its right as clearing member to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.25 Td (transform cash mar) Tj ET Q q 0 0 0 rg BT 401.01 461.25 Td (gin into other assets; and \(iii\)Citi does not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.25 Td (guarantee and is not liable to the client for the performance of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.25 Td (the CCP) Tj ET Q q 0 0 0 rg BT 356.51 437.25 Td (, cash initial mar) Tj ET Q q 0 0 0 rg BT 422.97 437.25 Td (gin collected from clients and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.25 Td (remitted to the CCP) Tj ET Q q 0 0 0 rg BT 403.35 425.25 Td ( is not reflected on Citi) Tj ET Q q 0 0 0 rg BT 498.05 425.25 Td (s Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.25 Td (Balance Sheet. ) Tj ET Q q 0 0 0 rg BT 385.74 413.25 Td (The total amount of cash initial mar) Tj ET Q q 0 0 0 rg BT 528.85 413.25 Td (gin ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.25 Td (collected and remitted in this manner was approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.37 401.25 Td ($4.3 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.11 389.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.55 389.25 Td ($3.2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.67 389.25 Td ( as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.83 389.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.41 389.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.85 389.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.85 389.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 371.66 377.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 365.25 Td (V) Tj ET Q q 0 0 0 rg BT 348.11 365.25 Td (ariation mar) Tj ET Q q 0 0 0 rg BT 396.52 365.25 Td (gin due from clients to the respective CCP) Tj ET Q q 0 0 0 rg BT 565.10 365.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.25 Td (or from the CCP) Tj ET Q q 0 0 0 rg BT 390.02 353.25 Td ( to clients, reflects changes in the value of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.25 Td (client) Tj ET Q q 0 0 0 rg BT 348.99 341.25 Td (s derivative contracts for each trading day) Tj ET Q q 0 0 0 rg BT 516.05 341.25 Td (. ) Tj ET Q q 0 0 0 rg BT 520.49 341.25 Td (As a clearing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.25 Td (member) Tj ET Q q 0 0 0 rg BT 356.36 329.25 Td (, Citi is exposed to the risk of non-performance by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.25 Td (clients \(e.g.,failure of a client to post variation mar) Tj ET Q q 0 0 0 rg BT 529.30 317.25 Td (gin to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.25 Td (CCP) Tj ET Q q 0 0 0 rg BT 342.53 305.25 Td ( for negative changes in the value of the client) Tj ET Q q 0 0 0 rg BT 529.96 305.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.25 Td (derivative contracts\). In the event of non-performance by a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.25 Td (client, Citi would move to close out the client) Tj ET Q q 0 0 0 rg BT 509.24 281.25 Td (s positions. ) Tj ET Q q 0 0 0 rg BT 556.57 281.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.25 Td (CCP) Tj ET Q q 0 0 0 rg BT 342.53 269.25 Td ( would typically utilize initial mar) Tj ET Q q 0 0 0 rg BT 478.71 269.25 Td (gin posted by the client ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.25 Td (and held by the CCP) Tj ET Q q 0 0 0 rg BT 405.67 257.25 Td (, with any remaining shortfalls required to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.25 Td (be paid by Citi as clearing member) Tj ET Q q 0 0 0 rg BT 463.40 245.25 Td (. Citi generally holds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.25 Td (incremental cash or securities mar) Tj ET Q q 0 0 0 rg BT 460.43 233.25 Td (gin posted by the client, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.25 Td (which would typically be expected to be suf) Tj ET Q q 0 0 0 rg BT 500.16 221.25 Td (ficient to mitigate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.25 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 209.25 Td (s credit risk in the event the client fails to perform.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 197.25 Td (As required by ) Tj ET Q q 0 0 0 rg BT 403.38 197.25 Td (ASC 860-30-25-5, securities collateral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.25 Td (posted by clients is not recognized on Citi) Tj ET Q q 0 0 0 rg BT 494.81 185.25 Td (s Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.25 Td (Balance Sheet.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 149.25 Td (Carrying V) Tj ET Q q 0 0 0 rg BT 369.29 149.25 Td (alueGuarantees and Indemnifications) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.50 137.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.08 137.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.52 137.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.52 137.25 Td (, the total carrying amounts of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.25 Td (the liabilities related to the guarantees and indemnifications ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.25 Td (included in the tables above amounted to approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.60 113.25 Td ($2.0 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.11 101.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.55 101.25 Td ($3.1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.67 101.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 468.33 101.25 Td (. ) Tj ET Q q 0 0 0 rg BT 473.15 101.25 Td (The carrying value of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.25 Td (financial and performance guarantees is included in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 533.08 89.25 Td (Other ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 77.25 Td (liabilities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.78 77.25 Td (as is the carrying value of the liability for loans sold ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.25 Td (with recourse.) Tj ET Q endstream endobj 573 0 obj <> endobj 574 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (284) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Collateral) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Cash collateral available to Citi to reimburse losses realized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (under these guarantees and indemnifications amounted to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.43 725.25 Td ($52 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.11 713.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.55 713.25 Td ($63 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.17 713.25 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.38 713.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.97 713.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.40 713.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.40 713.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 83.66 701.25 Td (. Securities and other marketable assets held as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (collateral amounted to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.91 689.25 Td ($33 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.52 689.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.96 689.25 Td ($59 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.57 689.25 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.58 677.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.02 677.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.02 677.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 206.68 677.25 Td (. ) Tj ET Q q 0 0 0 rg BT 211.50 677.25 Td (The majority of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (collateral is held to reimburse losses realized under securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (lending indemnifications. ) Tj ET Q q 0 0 0 rg BT 140.15 653.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 190.05 653.25 Td (, letters of credit in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (favor of Citi held as collateral amounted to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.39 641.25 Td ($4.2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.50 641.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td ($4.0 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.11 629.25 Td ( at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.33 629.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.91 629.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.35 629.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.35 629.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 265.01 629.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (Other property may also be available to Citi to cover losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (under certain guarantees and indemnifications; however) Tj ET Q q 0 0 0 rg BT 259.68 605.25 Td (, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (value of such property has not been determined.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Performance risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (Citi evaluates the performance risk of its guarantees based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (the assigned referenced counterparty internal or external ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (ratings. ) Tj ET Q q 0 0 0 rg BT 356.04 713.25 Td (Where external ratings are used, investment-grade ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (ratings are considered to be Baa/BBB and above, while ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (anything below is considered non-investment grade. Citi) Tj ET Q q 0 0 0 rg BT 553.12 689.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (internal ratings are in line with the related external rating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (system. On certain underlying referenced assets or entities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (ratings are not available. Such referenced assets are included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 Td (in the not rated category) Tj ET Q q 0 0 0 rg BT 429.41 641.25 Td (. ) Tj ET Q q 0 0 0 rg BT 434.23 641.25 Td (The maximum potential amount of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.25 Td (the future payments related to the outstanding guarantees is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 Td (determined to be the notional amount of these contracts, which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.25 Td (is the par amount of the assets guaranteed.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 593.25 Td (Presented in the tables below are the maximum potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.25 Td (amounts of future payments that are classified based upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.25 Td (internal and external credit ratings. ) Tj ET Q q 0 0 0 rg BT 465.61 569.25 Td (As previously mentioned, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.25 Td (the determination of the maximum potential future payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.25 Td (is based on the notional amount of the guarantees without ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.25 Td (consideration of possible recoveries under recourse provisions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.25 Td (or from collateral held or pledged. ) Tj ET Q q 0 0 0 rg BT 463.12 521.25 Td (As such, Citi believes such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 Td (amounts bear no relationship to the anticipated losses, if any) Tj ET Q q 0 0 0 rg BT 564.96 509.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.25 Td (on these guarantees.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 42.00 440.75 273.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 440.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 440.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.00 440.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 440.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.00 412.75 273.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 412.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 412.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.00 412.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 412.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.00 384.75 273.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 384.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 384.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.00 384.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 384.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.00 356.75 273.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 356.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 356.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.00 356.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 356.75 63.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315 472.75 m 379 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 472.75 m 442 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442 472.75 m 506 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 472.75 m 569 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42 440.75 m 315 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315 440.75 m 379 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 440.75 m 442 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442 440.75 m 506 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 440.75 m 569 440.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42 342.75 m 315 342.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 42 328.75 m 315 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315 342.75 m 379 342.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 315 328.75 m 379 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 342.75 m 442 342.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 379 328.75 m 442 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442 342.75 m 506 342.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 442 328.75 m 506 328.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 342.75 m 569 342.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 506 328.75 m 569 328.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 44.50 477.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.95 477.20 Td (Maximum potential amount of future payments) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 44.50 445.00 Td (In billions of dollars at December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 325.00 454.20 Td (Investment) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.50 445.20 Td (grade) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.45 463.20 Td (Non-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 389.00 454.20 Td (investment) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.00 445.20 Td (grade) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.50 454.20 Td (Not) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.25 445.20 Td (rated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 527.15 445.20 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 431.21 Td (Financial standby letters of credit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 431.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.75 431.20 Td (69.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.50 431.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.75 431.20 Td (15.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.50 431.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.75 431.20 Td (12.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.50 431.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.75 431.20 Td (96.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 417.21 Td (Performance guarantees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.25 417.20 Td (6.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.25 417.20 Td (4.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.25 417.20 Td (0.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.75 417.20 Td (11.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 403.21 Td (Derivative instruments deemed to be guarantees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.50 403.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.50 403.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.75 403.20 Td (78.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.75 403.20 Td (78.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 389.21 Td (Loans sold with recourse) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.50 389.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.50 389.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.25 389.20 Td (0.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 554.25 389.20 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 375.21 Td (Securities lending indemnifications) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.50 375.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.50 375.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.75 375.20 Td (79.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.75 375.20 Td (79.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 361.21 Td (Credit card merchant processing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.50 361.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.50 361.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.75 361.20 Td (84.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.75 361.20 Td (84.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 347.21 Td (Custody indemnifications and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.75 347.20 Td (51.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.25 347.20 Td (0.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 493.50 347.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.75 347.20 Td (51.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 44.50 333.20 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.50 333.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.25 333.20 Td (127.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.50 333.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.75 333.20 Td (19.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.50 333.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.25 333.20 Td (254.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 508.50 333.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.25 333.20 Td (401.9) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 42.00 260.75 273.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 260.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 260.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.00 260.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 260.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.00 232.75 273.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 232.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 232.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.00 232.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 232.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.00 204.75 273.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 204.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 204.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.00 204.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 204.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.00 176.75 273.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.00 176.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 176.75 63.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.00 176.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 176.75 63.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315 292.75 m 379 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 292.75 m 442 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442 292.75 m 506 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 292.75 m 569 292.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42 260.75 m 315 260.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315 260.75 m 379 260.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 260.75 m 442 260.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442 260.75 m 506 260.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 260.75 m 569 260.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42 162.75 m 315 162.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 42 148.75 m 315 148.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315 162.75 m 379 162.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 315 148.75 m 379 148.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 162.75 m 442 162.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 379 148.75 m 442 148.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442 162.75 m 506 162.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 442 148.75 m 506 148.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 162.75 m 569 162.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 506 148.75 m 569 148.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 44.50 297.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.10 297.21 Td (Maximum potential amount of future payments) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 44.50 265.00 Td (In billions of dollars at December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.50 274.21 Td (Investment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.50 265.21 Td (grade) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.75 283.21 Td (Non-) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 390.25 274.21 Td (investment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.00 265.21 Td (grade) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 274.21 Td (Not) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.50 265.21 Td (rated) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.80 265.21 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 251.21 Td (Financial standby letters of credit) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 317.50 251.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 251.21 Td (73.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.50 251.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 251.21 Td (15.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.50 251.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.25 251.21 Td (9.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 251.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 251.21 Td (98.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 237.21 Td (Performance guarantees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.25 237.21 Td (7.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.25 237.21 Td (3.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.25 237.21 Td (0.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 237.21 Td (11.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 223.21 Td (Derivative instruments deemed to be guarantees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 223.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.50 223.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.75 223.21 Td (91.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 223.21 Td (91.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 209.21 Td (Loans sold with recourse) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 209.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.50 209.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.25 209.21 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.25 209.21 Td (0.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 195.21 Td (Securities lending indemnifications) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 195.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.50 195.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.25 195.21 Td (115.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 195.21 Td (115.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 181.21 Td (Credit card merchant processing) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 181.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.50 181.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.75 181.21 Td (86.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 181.21 Td (86.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 44.50 167.21 Td (Custody indemnifications and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.75 167.21 Td (48.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.25 167.21 Td (0.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.50 167.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 167.21 Td (48.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 44.50 153.20 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 317.50 153.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.25 153.21 Td (129.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.50 153.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 153.21 Td (19.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.50 153.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.25 153.21 Td (304.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.50 153.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 153.21 Td (453.0) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 575 0 obj <> endobj 576 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (285) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Cr) Tj ET Q q 0 0 0 rg BT 47.48 749.25 Td (edit Commitments and Lines of Cr) Tj ET Q q 0 0 0 rg BT 195.90 749.25 Td (edit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (The table below summarizes Citigroup) Tj ET Q q 0 0 0 rg BT 194.30 737.25 Td (s credit commitments:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 42.50 692.75 285.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 692.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 692.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 692.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 692.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.50 664.75 285.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 664.75 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 664.75 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 664.75 61.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 664.75 58.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.50 627.75 285.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 627.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 627.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 627.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 627.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 42.50 599.75 285.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 599.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 599.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 599.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 599.75 58.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42.5 692.75 m 327.5 692.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 692.75 m 388.5 692.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 692.75 m 449.5 692.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 692.75 m 510.5 692.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 692.75 m 568.5 692.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42.5 692.75 m 327.5 692.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 692.75 m 388.5 692.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 692.75 m 449.5 692.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 692.75 m 510.5 678.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 692.75 m 510.5 692.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 692.75 m 510.5 678.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 692.75 m 568.5 692.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 678.75 m 510.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 678.75 m 510.5 664.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 664.75 m 510.5 641.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 664.75 m 510.5 641.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 641.75 m 510.5 627.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 641.75 m 510.5 627.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 627.75 m 510.5 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 627.75 m 510.5 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 613.75 m 510.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 613.75 m 510.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42.5 585.75 m 327.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 585.75 m 388.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 585.75 m 449.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 599.75 m 510.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 599.75 m 510.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 585.75 m 568.5 585.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 42.5 585.75 m 327.5 585.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 42.5 571.75 m 327.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 585.75 m 388.5 585.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 571.75 m 388.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 585.75 m 449.5 585.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 571.75 m 449.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 585.75 m 510.5 585.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 571.75 m 510.5 571.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 585.75 m 568.5 585.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 571.75 m 568.5 571.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 45.00 697.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.45 697.20 Td (U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.60 706.20 Td (Outside of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.45 697.20 Td (U.S.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.30 706.20 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.50 697.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.75 706.21 Td (December31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.00 697.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 683.21 Td (Commercial and similar letters of credit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.00 683.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.75 683.20 Td (1,248) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 683.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 683.20 Td (4,854) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 683.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.75 683.20 Td (6,102) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 683.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.75 683.21 Td (6,634) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 669.21 Td (One- to four-family residential mortgages) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.75 669.20 Td (1,343) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 669.20 Td (1,853) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.75 669.20 Td (3,196) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.75 669.21 Td (5,674) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 655.21 Td (Revolving open-end loans secured by one- to four-family residential) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 646.21 Td (properties) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.25 646.20 Td (12,648) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 646.20 Td (2,078) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.25 646.20 Td (14,726) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.25 646.21 Td (16,098) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 632.21 Td (Commercial real estate, construction and land development) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.75 632.20 Td (9,177) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 632.20 Td (1,345) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.25 632.20 Td (10,522) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.75 632.21 Td (9,242) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 618.21 Td (Credit card lines) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.75 618.20 Td (481,897) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.25 618.20 Td (91,160) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.75 618.20 Td (573,057) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 618.21 Td (612,049) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 604.21 Td (Commercial and other consumer loan commitments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.75 604.20 Td (178,957) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.25 604.20 Td (92,119) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.75 604.20 Td (271,076) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 604.21 Td (243,680) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 590.21 Td (Other commitments and contingencies) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.75 590.20 Td (3,943) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 425.75 590.20 Td (6,039) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 486.75 590.20 Td (9,982) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.25 590.21 Td (10,663) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 45.00 576.20 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.00 576.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.75 576.20 Td (689,213) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 576.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.75 576.20 Td (199,448) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 576.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.75 576.20 Td (888,661) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 576.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 576.21 Td (904,040) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 46.00 551.25 Td (The majority of unused commitments are contingent upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 539.25 Td (customers) Tj ET Q q 0 0 0 rg BT 79.13 539.25 Td ( maintaining specific credit standards. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 527.25 Td (Commercial commitments generally have floating interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 515.25 Td (rates and fixed expiration dates and may require payment of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 503.25 Td (fees. Such fees \(net of certain direct costs\) are deferred and, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 491.25 Td (upon exercise of the commitment, amortized over the life of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 479.25 Td (the loan or) Tj ET Q q 0 0 0 rg BT 78.36 479.25 Td (, if exercise is deemed remote, amortized over the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 467.25 Td (commitment period. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 443.25 Td (Commercial and similar letters of credit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 431.25 Td (A) Tj ET Q q 0 0 0 rg BT 42.67 431.25 Td ( commercial letter of credit is an instrument by which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 419.25 Td (Citigroup substitutes its credit for that of a customer to enable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 407.25 Td (the customer to finance the purchase of goods or to incur other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 395.25 Td (commitments. Citigroup issues a letter on behalf of its client to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 383.25 Td (a supplier and agrees to pay the supplier upon presentation of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 371.25 Td (documentary evidence that the supplier has performed in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 359.25 Td (accordance with the terms of the letter of credit. ) Tj ET Q q 0 0 0 rg BT 230.17 359.25 Td (When a letter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 347.25 Td (of credit is drawn, the customer is then required to reimburse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 335.25 Td (Citigroup. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 311.25 Td (One- to four-family residential mortgages) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 299.25 Td (A) Tj ET Q q 0 0 0 rg BT 42.67 299.25 Td ( one- to four) Tj ET Q q 0 0 0 rg BT 92.18 299.25 Td (-family residential mortgage commitment is a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 287.25 Td (written confirmation from Citigroup to a seller of a property ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 275.25 Td (that the bank will advance the specified sums enabling the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 263.25 Td (buyer to complete the purchase. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 239.25 Td (Revolving open-end loans secured by one- to four-family) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 227.25 Td (residential properties) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 215.25 Td (Revolving open-end loans secured by one- to four) Tj ET Q q 0 0 0 rg BT 236.02 215.25 Td (-family ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 203.25 Td (residential properties are essentially home equity lines of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 191.25 Td (credit. ) Tj ET Q q 0 0 0 rg BT 63.21 191.25 Td (A) Tj ET Q q 0 0 0 rg BT 69.88 191.25 Td ( home equity line of credit is a loan secured by a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 179.25 Td (primary residence or second home to the extent of the excess ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 167.25 Td (of fair market value over the debt outstanding for the first ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 155.25 Td (mortgage. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 131.25 Td (Commercial real estate, construction and land development) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 119.25 Td (Commercial real estate, construction and land development ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 107.25 Td (include unused portions of commitments to extend credit for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 95.25 Td (the purpose of financing commercial and multifamily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 83.25 Td (residential properties as well as land development projects. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 71.25 Td ( Both secured-by-real-estate and unsecured commitments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 59.25 Td (are included in this line, as well as undistributed loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 47.25 Td (proceeds, where there is an obligation to advance for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 551.25 Td (construction progress payments. However) Tj ET Q q 0 0 0 rg BT 491.89 551.25 Td (, this line only ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 539.25 Td (includes those extensions of credit that, once funded, will be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 527.25 Td (classified as ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 375.09 527.25 Td (T) Tj ET Q q 0 0 0 rg BT 379.74 527.25 Td (otal loans, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.68 527.25 Td ( on the Consolidated Balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 515.25 Td (Sheet. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 491.25 Td (Credit card lines) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 479.25 Td (Citigroup provides credit to customers by issuing credit cards. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 467.25 Td (The credit card lines are cancellable by providing notice to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 455.25 Td (cardholder or without such notice as permitted by local law) Tj ET Q q 0 0 0 rg BT 560.78 455.25 Td (. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 431.25 Td (Commercial and other consumer loan commitments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 419.25 Td (Commercial and other consumer loan commitments include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 407.25 Td (overdraft and liquidity facilities, as well as commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 395.25 Td (commitments to make or purchase loans, to purchase third-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 383.25 Td (party receivables, to provide note issuance or revolving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 371.25 Td (underwriting facilities and to invest in the form of equity) Tj ET Q q 0 0 0 rg BT 550.80 371.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 359.25 Td (In addition, included in this line item are highly leveraged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 347.25 Td (financing commitments, which are agreements that provide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 335.25 Td (funding to a borrower with higher levels of debt \(measured by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 323.25 Td (the ratio of debt capital to equity capital of the borrower\) than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 311.25 Td (is generally considered normal for other companies. ) Tj ET Q q 0 0 0 rg BT 534.30 311.25 Td (This type ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 299.25 Td (of financing is commonly employed in corporate acquisitions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 287.25 Td (management buy-outs and similar transactions. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 263.25 Td (Other commitments and contingencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 251.25 Td (Other commitments and contingencies include committed or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 239.25 Td (unsettled regular) Tj ET Q q 0 0 0 rg BT 390.72 239.25 Td (-way reverse repurchase agreements and all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 227.25 Td (other transactions related to commitments and contingencies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 215.25 Td (not reported on the lines above.) Tj ET Q endstream endobj 577 0 obj <> endobj 578 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (286) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (28.CONTINGENCIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (Accounting and Disclosur) Tj ET Q q 0 0 0 rg BT 145.83 725.25 Td (e Framework) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (ASC 450 governs the disclosure and recognition of loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (contingencies, including potential losses from litigation and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (regulatory matters. ) Tj ET Q q 0 0 0 rg BT 113.48 689.25 Td (ASC 450 defines a loss contingency as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (an existing condition, situation, or set of circumstances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (involving uncertainty as to possible loss to an entity that will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (ultimately be resolved when one or more future events occur ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (or fail to occur) Tj ET Q q 0 0 0 rg BT 94.59 641.25 Td (. It imposes dif) Tj ET Q q 0 0 0 rg BT 158.84 641.25 Td (ferent requirements for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (recognition and disclosure of loss contingencies based on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (likelihood of occurrence of the contingent future event or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (events. It distinguishes among degrees of likelihood using the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (following three terms: probable, meaning that the future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (event or events are likely to occur; remote, meaning that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (the chance of the future event or events occurring is slight; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (and reasonably possible, meaning that the chance of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (future event or events occurring is more than remote but less ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (than likely) Tj ET Q q 0 0 0 rg BT 77.84 533.25 Td (. ) Tj ET Q q 0 0 0 rg BT 87.10 533.25 Td (These three terms are used below as defined in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (ASC 450.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 509.25 Td (Accruals) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.55 509.25 Td (. ) Tj ET Q q 0 0 0 rg BT 94.00 509.25 Td (ASC 450 requires accrual for a loss contingency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (when it is probable that one or more future events will occur ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (confirming the fact of loss ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 148.47 485.25 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.47 485.25 Td ( the amount of the loss can be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (reasonably estimated. In accordance with ) Tj ET Q q 0 0 0 rg BT 207.59 473.25 Td (ASC 450, Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (establishes accruals for contingencies, including the litigation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (and regulatory matters disclosed herein, when Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.25 Td (believes it is probable that a loss has been incurred and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (amount of the loss can be reasonably estimated. ) Tj ET Q q 0 0 0 rg BT 229.37 425.25 Td (When the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (reasonable estimate of the loss is within a range of amounts, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (the minimum amount of the range is accrued, unless some ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (higher amount within the range is a better estimate than any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (other amount within the range. Once established, accruals are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (adjusted from time to time, as appropriate, in light of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (additional information. ) Tj ET Q q 0 0 0 rg BT 130.52 353.25 Td (The amount of loss ultimately incurred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.25 Td (in relation to those matters may be substantially higher or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.25 Td (lower than the amounts accrued for those matters.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 317.25 Td (Disclosur) Tj ET Q q 0 0 0 rg BT 92.52 317.25 Td (e) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.96 317.25 Td (. ) Tj ET Q q 0 0 0 rg BT 101.41 317.25 Td (ASC 450 requires disclosure of a loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.25 Td (contingency if there is at least a reasonable possibility that a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.25 Td (loss or an additional loss may have been incurred ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 240.11 293.25 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.11 293.25 Td ( there is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.25 Td (no accrual for the loss because the conditions described above ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.25 Td (are not met or an exposure to loss exists in excess of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.25 Td (amount accrued. In accordance with ) Tj ET Q q 0 0 0 rg BT 182.60 257.25 Td (ASC 450, if Citigroup has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.25 Td (not accrued for a matter because Citigroup believes that a loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.25 Td (is reasonably possible but not probable, or that a loss is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.25 Td (probable but not reasonably estimable, and the matter thus ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.25 Td (does not meet the criteria for accrual, and the reasonably ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.25 Td (possible loss is material, it discloses the loss contingency) Tj ET Q q 0 0 0 rg BT 263.93 197.25 Td (. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.25 Td (addition, Citigroup discloses matters for which it has accrued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.25 Td (if it believes a reasonably possible exposure to material loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.25 Td (exists in excess of the amount accrued. In accordance with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.25 Td (ASC 450, Citigroup) Tj ET Q q 0 0 0 rg BT 119.07 149.25 Td (s disclosure includes an estimate of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.25 Td (reasonably possible loss or range of loss for those matters as to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.25 Td (which an estimate can be made. ) Tj ET Q q 0 0 0 rg BT 165.12 125.25 Td (ASC 450 does not require ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.25 Td (disclosure of an estimate of the reasonably possible loss or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.25 Td (range of loss where an estimate cannot be made. Neither ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.25 Td (accrual nor disclosure is required for losses that are deemed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.25 Td (remote.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Litigation and Regulatory Contingencies) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (Overview) Tj ET Q q 0 0 0 rg BT 361.57 737.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.07 737.25 Td ( In addition to the matters described below) Tj ET Q q 0 0 0 rg BT 534.21 737.25 Td (, in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (ordinary course of business, Citigroup, its af) Tj ET Q q 0 0 0 rg BT 501.57 725.25 Td (filiates and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (subsidiaries, and current and former of) Tj ET Q q 0 0 0 rg BT 478.77 713.25 Td (ficers, directors and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (employees \(for purposes of this section, sometimes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (collectively referred to as Citigroup and Related Parties\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (routinely are named as defendants in, or as parties to, various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (legal actions and proceedings. Certain of these actions and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (proceedings assert claims or seek relief in connection with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 Td (alleged violations of consumer protection, fair lending, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.25 Td (securities, banking, antifraud, antitrust, anti-money ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 Td (laundering, employment and other statutory and common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.25 Td (laws. Certain of these actual or threatened legal actions and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.25 Td (proceedings include claims for substantial or indeterminate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.25 Td (compensatory or punitive damages, or for injunctive relief, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.25 Td (and in some instances seek recovery on a class-wide basis.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 557.25 Td (In the ordinary course of business, Citigroup and Related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.25 Td (Parties also are subject to governmental and regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.25 Td (examinations, information-gathering requests, investigations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.25 Td (and proceedings \(both formal and informal\), certain of which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 Td (may result in adverse judgments, settlements, fines, penalties, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.25 Td (restitution, disgor) Tj ET Q q 0 0 0 rg BT 394.37 497.25 Td (gement, injunctions or other relief. In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.25 Td (addition, certain af) Tj ET Q q 0 0 0 rg BT 399.06 485.25 Td (filiates and subsidiaries of Citigroup are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.25 Td (banks, registered broker) Tj ET Q q 0 0 0 rg BT 420.15 473.25 Td (-dealers, futures commission ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.25 Td (merchants, investment advisers or other regulated entities and, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.25 Td (in those capacities, are subject to regulation by various U.S., ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.25 Td (state and foreign securities, banking, commodity futures, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.25 Td (consumer protection and other regulators. In connection with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.25 Td (formal and informal inquiries by these regulators, Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.25 Td (and such af) Tj ET Q q 0 0 0 rg BT 369.36 401.25 Td (filiates and subsidiaries receive numerous requests, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.25 Td (subpoenas and orders seeking documents, testimony and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.25 Td (information in connection with various aspects of their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.25 Td (regulated activities. From time to time Citigroup and Related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.25 Td (Parties also receive grand jury subpoenas and other requests ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.25 Td (for information or assistance, formal or informal, from federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.25 Td (or state law enforcement agencies including, among others, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.25 Td (various United States ) Tj ET Q q 0 0 0 rg BT 411.49 317.25 Td (Attorneys) Tj ET Q q 0 0 0 rg BT 453.52 317.25 Td ( Of) Tj ET Q q 0 0 0 rg BT 466.39 317.25 Td (fices, the ) Tj ET Q q 0 0 0 rg BT 504.43 317.25 Td (Asset Forfeiture ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.25 Td (and Money Laundering Section and other divisions of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.25 Td (Department of Justice, the Financial Crimes Enforcement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.25 Td (Network of the United States Department of the ) Tj ET Q q 0 0 0 rg BT 518.21 281.25 Td (T) Tj ET Q q 0 0 0 rg BT 523.97 281.25 Td (reasury) Tj ET Q q 0 0 0 rg BT 552.75 281.25 Td (, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.25 Td (the Federal Bureau of Investigation relating to Citigroup and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.25 Td (its customers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 245.25 Td (Because of the global scope of Citigroup) Tj ET Q q 0 0 0 rg BT 508.07 245.25 Td (s operations, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.25 Td (its presence in countries around the world, Citigroup and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.25 Td (Related Parties are subject to litigation and governmental and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.25 Td (regulatory examinations, information-gathering requests, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.25 Td (investigations and proceedings \(both formal and informal\) in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.25 Td (multiple jurisdictions with legal and regulatory regimes that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.25 Td (may dif) Tj ET Q q 0 0 0 rg BT 354.64 173.25 Td (fer substantially) Tj ET Q q 0 0 0 rg BT 418.15 173.25 Td (, and present substantially dif) Tj ET Q q 0 0 0 rg BT 535.44 173.25 Td (ferent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.25 Td (risks, from those Citigroup and Related Parties are subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.25 Td (in the United States. In some instances Citigroup and Related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.25 Td (Parties may be involved in proceedings involving the same ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.25 Td (subject matter in multiple jurisdictions, which may result in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.25 Td (overlapping, cumulative or inconsistent outcomes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 101.25 Td (Citigroup seeks to resolve all litigation and regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.25 Td (matters in the manner management believes is in the best ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.25 Td (interests of Citigroup and its shareholders, and contests ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.25 Td (liability) Tj ET Q q 0 0 0 rg BT 354.46 65.25 Td (, allegations of wrongdoing and, where applicable, the) Tj ET Q endstream endobj 579 0 obj <> endobj 580 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (287) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (amount of damages or scope of any penalties or other relief ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (sought as appropriate in each pending matter) Tj ET Q q 0 0 0 rg BT 214.83 737.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 725.10 Td (Inher) Tj ET Q q 0 0 0 rg BT 75.29 725.10 Td (ent Uncertainty of the Matters Disclosed.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.81 725.10 Td ( Certain of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (the matters disclosed below involve claims for substantial or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (indeterminate damages. ) Tj ET Q q 0 0 0 rg BT 133.28 701.10 Td (The claims asserted in these matters ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (typically are broad, often spanning a multi-year period and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (sometimes a wide range of business activities, and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (plaintif) Tj ET Q q 0 0 0 rg BT 64.70 665.10 Td (fs) Tj ET Q q 0 0 0 rg BT 74.51 665.10 Td ( or claimants) Tj ET Q q 0 0 0 rg BT 128.75 665.10 Td ( alleged damages frequently are not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (quantified or factually supported in the complaint or statement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (of claim. Other matters relate to regulatory investigations or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (proceedings, as to which there may be no objective basis for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (quantifying the range of potential fine, penalty) Tj ET Q q 0 0 0 rg BT 221.68 617.10 Td (, or other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (remedy) Tj ET Q q 0 0 0 rg BT 65.34 605.10 Td (. ) Tj ET Q q 0 0 0 rg BT 72.28 605.10 Td (As a result, Citigroup is often unable to estimate the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (loss in such matters, even if it believes that a loss is probable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (or reasonably possible, until developments in the case or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (investigation have yielded additional information suf) Tj ET Q q 0 0 0 rg BT 247.71 569.10 Td (ficient to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (support a quantitative assessment of the range of reasonably ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (possible loss. Such developments may include, among other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (things, discovery from adverse parties or third parties, rulings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (by the court on key issues, analysis by retained experts, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (engagement in settlement negotiations. Depending on a range ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (of factors, such as the complexity of the facts, the novelty of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (the legal theories, the pace of discovery) Tj ET Q q 0 0 0 rg BT 193.90 485.10 Td (, the court) Tj ET Q q 0 0 0 rg BT 236.94 485.10 Td (s scheduling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (order) Tj ET Q q 0 0 0 rg BT 56.70 473.10 Td (, the timing of court decisions, and the adverse party) Tj ET Q q 0 0 0 rg BT 269.14 473.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (willingness to negotiate in good faith toward a resolution, it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (may be months or years after the filing of a case or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (commencement of an investigation before an estimate of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (range of reasonably possible loss can be made.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 413.10 Td (Matters as to Which an Estimate Can Be Made) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.31 413.10 Td (. For some ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (of the matters disclosed below) Tj ET Q q 0 0 0 rg BT 156.99 401.10 Td (, Citigroup is currently able to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (estimate a reasonably possible loss or range of loss in excess ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (of amounts accrued \(if any\). For some of the matters included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (within this estimation, an accrual has been made because a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (loss is believed to be both probable and reasonably estimable, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (but an exposure to loss exists in excess of the amount accrued. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (In these cases, the estimate reflects the reasonably possible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (range of loss in excess of the accrued amount. For other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (matters included within this estimation, no accrual has been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (made because a loss, although estimable, is believed to be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (reasonably possible, but not probable; in these cases the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (estimate reflects the reasonably possible loss or range of loss. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (As of December 31, 2015, Citigroup estimates that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (reasonably possible unaccrued loss for these matters ranges up ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (to approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.54 233.10 Td ($3.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.04 233.10 Td ( billion in the aggregate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 221.10 Td (These estimates are based on currently available ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (information. ) Tj ET Q q 0 0 0 rg BT 87.66 209.10 Td (As available information changes, the matters for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (which Citigroup is able to estimate will change, and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (estimates themselves will change. In addition, while many ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (estimates presented in financial statements and other financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (disclosures involve significant judgment and may be subject to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (significant uncertainty) Tj ET Q q 0 0 0 rg BT 125.04 149.10 Td (, estimates of the range of reasonably ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (possible loss arising from litigation and regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (proceedings are subject to particular uncertainties. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (example, at the time of making an estimate, \(i\) Citigroup may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (have only preliminary) Tj ET Q q 0 0 0 rg BT 123.66 101.10 Td (, incomplete, or inaccurate information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (about the facts underlying the claim; \(ii\) its assumptions about ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (the future rulings of the court or other tribunal on significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (issues, or the behavior and incentives of adverse parties or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (regulators, may prove to be wrong; and \(iii\) the outcomes it is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (attempting to predict are often not amenable to the use of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (statistical or other quantitative analytical tools. In addition, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (from time to time an outcome may occur that Citigroup had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (not accounted for in its estimate because it had deemed such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (an outcome to be remote. For all these reasons, the amount of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (loss in excess of accruals ultimately incurred for the matters as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (to which an estimate has been made could be substantially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (higher or lower than the range of loss included in the estimate.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 653.10 Td (Matters as to Which an Estimate Cannot Be Made) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.08 653.10 Td (. For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (other matters disclosed below) Tj ET Q q 0 0 0 rg BT 442.49 641.10 Td (, Citigroup is not currently able ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (to estimate the reasonably possible loss or range of loss. Many ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (of these matters remain in very preliminary stages \(even in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (some cases where a substantial period of time has passed since ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (the commencement of the matter\), with few or no substantive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (legal decisions by the court or tribunal defining the scope of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (the claims, the class \(if any\), or the potentially available ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (damages, and fact discovery is still in progress or has not yet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (begun. In many of these matters, Citigroup has not yet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (answered the complaint or statement of claim or asserted its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (defenses, nor has it engaged in any negotiations with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (adverse party \(whether a regulator or a private party\). For all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (these reasons, Citigroup cannot at this time estimate the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (reasonably possible loss or range of loss, if any) Tj ET Q q 0 0 0 rg BT 512.48 485.10 Td (, for these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (matters.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 461.10 Td (Opinion of Management as to Eventual Outcome.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.57 461.10 Td ( Subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (to the foregoing, it is the opinion of Citigroup) Tj ET Q q 0 0 0 rg BT 509.82 449.10 Td (s management, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (based on current knowledge and after taking into account its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (current legal accruals, that the eventual outcome of all matters ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (described in this Note would not be likely to have a material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (adverse ef) Tj ET Q q 0 0 0 rg BT 364.63 401.10 Td (fect on the consolidated financial condition of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (Citigroup. Nonetheless, given the substantial or indeterminate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (amounts sought in certain of these matters, and the inherent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (unpredictability of such matters, an adverse outcome in certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (of these matters could, from time to time, have a material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (adverse ef) Tj ET Q q 0 0 0 rg BT 364.63 341.10 Td (fect on Citigroup) Tj ET Q q 0 0 0 rg BT 435.72 341.10 Td (s consolidated results of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (operations or cash flows in particular quarterly or annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (periods.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (Allied Irish Bank Litigation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (In 2003, ) Tj ET Q q 0 0 0 rg BT 359.28 281.10 Td (Allied Irish Bank \(AIB\) filed a complaint in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (United States District Court for the Southern District of New ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (Y) Tj ET Q q 0 0 0 rg BT 330.22 257.10 Td (ork seeking to hold Citibank and Bank of ) Tj ET Q q 0 0 0 rg BT 497.42 257.10 Td (America, N.A., ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (former prime brokers for ) Tj ET Q q 0 0 0 rg BT 425.63 245.10 Td (AIB) Tj ET Q q 0 0 0 rg BT 445.63 245.10 Td (s subsidiary ) Tj ET Q q 0 0 0 rg BT 495.08 245.10 Td (Allfirst Bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (\(Allfirst\), liable for losses incurred by ) Tj ET Q q 0 0 0 rg BT 477.57 233.10 Td (Allfirst as a result of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (fraudulent and fictitious foreign currency trades entered into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (by one of ) Tj ET Q q 0 0 0 rg BT 363.72 209.10 Td (Allfirst) Tj ET Q q 0 0 0 rg BT 395.38 209.10 Td (s traders. In December 2015, the remaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (parties reached a settlement that released all claims against ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (Citibank. ) Tj ET Q q 0 0 0 rg BT 365.39 185.10 Td (A) Tj ET Q q 0 0 0 rg BT 372.06 185.10 Td ( notice of voluntary dismissal with prejudice was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (filed on January 14, 2016. ) Tj ET Q q 0 0 0 rg BT 432.87 173.10 Td (Additional information concerning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (this action is publicly available in court filings under docket ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (number 03 Civ) Tj ET Q q 0 0 0 rg BT 383.35 149.10 Td (. 3748 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 447.61 149.10 Td (.\) \(Batts, J.\).) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (Commodities Financing Contracts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (Beginning in May 2014, Citigroup became aware of reports of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (potential fraud relating to the financing of physical metal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (stored at the Qingdao and Penglai ports in China. Citibank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (and Citigroup Global Markets Limited \(CGML\) have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (contracts with a counterparty in relation to the provision of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (financing to that counterparty) Tj ET Q q 0 0 0 rg BT 441.92 53.10 Td (, collateralized by physical metal ) Tj ET Q endstream endobj 581 0 obj <> endobj 582 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (288) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (stored at these ports, with the agreements providing that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (counterparty would repurchase the inventory at a specified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (date in the future \(typically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.35 725.10 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.33 725.10 Td ( to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.11 725.10 Td (six) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.78 725.10 Td ( months\). Pursuant to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (the agreements, the counterparty is responsible for providing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (clean title to the inventory) Tj ET Q q 0 0 0 rg BT 140.32 701.10 Td (, insuring it, and attesting that there ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (are no third party encumbrances. ) Tj ET Q q 0 0 0 rg BT 172.15 689.10 Td (The counterparty is a non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (Chinese subsidiary of a lar) Tj ET Q q 0 0 0 rg BT 142.46 677.10 Td (ge multinational corporation, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (the counterparty) Tj ET Q q 0 0 0 rg BT 104.03 665.10 Td (s obligations under the contracts are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (guaranteed by the parent company) Tj ET Q q 0 0 0 rg BT 173.07 653.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 641.10 Td (On July 22, 2014, Citibank and CGML) Tj ET Q q 0 0 0 rg BT 210.29 641.10 Td ( commenced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (proceedings in the Commercial Court in London to enforce ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (their rights against the counterparty under the relevant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (agreements in relation to approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.89 605.10 Td ($285 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.28 605.10 Td ( in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (financing. ) Tj ET Q q 0 0 0 rg BT 81.08 593.10 Td (That counterparty and a Chinese warehouse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (provider previously brought actions in the English courts to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (establish the parties) Tj ET Q q 0 0 0 rg BT 117.46 569.10 Td ( rights and obligations under these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (agreements. In early December 2014, the English court ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (conducted a preliminary trial concerning, among other issues, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (the question of whether Citibank and/or CGML) Tj ET Q q 0 0 0 rg BT 226.15 533.10 Td ( had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (appropriately accelerated their counterparty) Tj ET Q q 0 0 0 rg BT 213.40 521.10 Td (s obligation to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (repay under the applicable agreements, given these facts and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (circumstances. ) Tj ET Q q 0 0 0 rg BT 99.96 497.10 Td (The High Court in London issued a judgment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (on May 22, 2015 holding that the Citigroup af) Tj ET Q q 0 0 0 rg BT 220.52 485.10 Td (filiates had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (properly served bring forward event notices, but that because ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (the metal had not been properly delivered, the counterparty ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (did not yet have to pay Citibank and CGML. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 437.10 Td (As a result of various filings by the parties, on January 15, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (2016, Citibank and CGML) Tj ET Q q 0 0 0 rg BT 143.40 425.10 Td ( were informed by the English ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (Court of ) Tj ET Q q 0 0 0 rg BT 71.56 413.10 Td (Appeal \(i\) that their application for permission to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (appeal certain aspects of the High Court) Tj ET Q q 0 0 0 rg BT 199.28 401.10 Td (s 2015 judgment had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (been granted; and \(ii\) that the counterparty had also been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (given permission to appeal certain aspects of the 2015 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (judgment. ) Tj ET Q q 0 0 0 rg BT 78.59 365.10 Td (V) Tj ET Q q 0 0 0 rg BT 84.71 365.10 Td (arious procedural matters continue. ) Tj ET Q q 0 0 0 rg BT 230.21 365.10 Td (Additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (information concerning this action is publicly available in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (court filings under the claim reference: Mercuria Ener) Tj ET Q q 0 0 0 rg BT 252.10 341.10 Td (gy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (T) Tj ET Q q 0 0 0 rg BT 41.76 329.10 Td (rading PTE Ltd & ) Tj ET Q q 0 0 0 rg BT 116.20 329.10 Td (Another v) Tj ET Q q 0 0 0 rg BT 155.81 329.10 Td (. Citibank, N.A. & ) Tj ET Q q 0 0 0 rg BT 231.93 329.10 Td (Another) Tj ET Q q 0 0 0 rg BT 264.30 329.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (Claim No. 2014 Folio 709, ) Tj ET Q q 0 0 0 rg BT 145.73 317.10 Td (Appeal Nos. 2015/2407 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (\(Citigroup\) and 2015/2395 \(Mercuria\) as regards the appeals. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 293.10 Td (The financings at issue are carried at fair value. ) Tj ET Q q 0 0 0 rg BT 248.08 293.10 Td (As with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (any position carried at fair value, Citigroup adjusts the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (positions and records a gain or loss on the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (Statement of Income in accordance with GAAP) Tj ET Q q 0 0 0 rg BT 225.94 257.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (Cr) Tj ET Q q 0 0 0 rg BT 47.48 233.10 Td (edit Crisis-Related Litigation and Other) Tj ET Q q 0 0 0 rg BT 218.40 233.10 Td ( Matters) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (Citigroup and Related Parties have been named as defendants ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (in numerous legal actions and other proceedings asserting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (claims for damages and related relief for losses arising from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (the global financial credit crisis that began in 2007. Such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (matters include, among other types of proceedings, claims ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (asserted by: \(i\) individual investors and purported classes of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (investors in Citigroup) Tj ET Q q 0 0 0 rg BT 126.00 149.10 Td (s common and preferred stock and debt, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (alleging violations of the federal securities laws, foreign laws, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (state securities and fraud law) Tj ET Q q 0 0 0 rg BT 151.42 125.10 Td (, and the Employee Retirement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (Income Security ) Tj ET Q q 0 0 0 rg BT 103.76 113.10 Td (Act \(ERISA\); and \(ii\) individual investors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (and purported classes of investors in securities and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (investments underwritten, issued or marketed by Citigroup, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (including securities issued by other public companies, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (collateralized debt obligations \(CDOs\), mortgage-backed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (securities \(MBS\), auction rate securities, investment funds, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (and other structured or leveraged instruments, which have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (suf) Tj ET Q q 0 0 0 rg BT 336.04 737.10 Td (fered losses as a result of the credit crisis. ) Tj ET Q q 0 0 0 rg BT 504.69 737.10 Td (These matters ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (have been filed in state and federal courts across the U.S. and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (in foreign tribunals, as well as in arbitrations before the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (Financial Industry Regulatory ) Tj ET Q q 0 0 0 rg BT 445.92 701.10 Td (Authority \(FINRA\) and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (arbitration associations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 677.10 Td (In addition to these litigations and arbitrations, Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (continues to cooperate fully in response to subpoenas and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (requests for information from the Securities and Exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (Commission \(SEC\), FINRA, state attorneys general, the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (Department of Justice and subdivisions thereof, the Of) Tj ET Q q 0 0 0 rg BT 542.10 629.10 Td (fice of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (the Special Inspector General for the ) Tj ET Q q 0 0 0 rg BT 473.20 617.10 Td (T) Tj ET Q q 0 0 0 rg BT 478.96 617.10 Td (roubled ) Tj ET Q q 0 0 0 rg BT 511.45 617.10 Td (Asset Relief ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (Program, bank regulators, and other government agencies and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (authorities, in connection with various formal and informal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (\(and, in many instances, industry-wide\) inquiries concerning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 365.11 569.10 Td (s mortgage-related conduct and business activities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (as well as other business activities af) Tj ET Q q 0 0 0 rg BT 471.00 557.10 Td (fected by the credit crisis. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (These business activities include, but are not limited to, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 365.11 533.10 Td (s sponsorship, packaging, issuance, marketing, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (trading, servicing and underwriting of CDOs and MBS, its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (origination, sale or other transfer) Tj ET Q q 0 0 0 rg BT 454.94 509.10 Td (, servicing, and foreclosure of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (residential mortgages, and its origination and securitization of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (auto loans.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (Mortgage-Related Litigation and Other Matters) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 365.75 449.10 Td (Actions: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.58 449.10 Td (Beginning in November 2007, Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (and Related Parties were named as defendants in a variety of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (class and individual securities actions filed by investors in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 365.11 413.10 Td (s equity and debt securities in state and federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (courts relating to Citigroup) Tj ET Q q 0 0 0 rg BT 435.37 401.10 Td (s disclosures regarding its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (exposure to subprime-related assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 377.10 Td (Citigroup and Related Parties have been named as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (defendants in a variety of putative class actions and individual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (actions arising out of Citigroup) Tj ET Q q 0 0 0 rg BT 451.76 353.10 Td (s exposure to CDOs and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (assets that declined in value during the financial crisis. Many ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (of these matters have been dismissed or settled. ) Tj ET Q q 0 0 0 rg BT 516.27 329.10 Td (These actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (assert a wide range of claims, including claims under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (federal securities laws, foreign securities laws, ERISA, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (state law) Tj ET Q q 0 0 0 rg BT 358.61 293.10 Td (. ) Tj ET Q q 0 0 0 rg BT 363.06 293.10 Td (Additional information concerning certain of these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (actions is publicly available in court filings under the docket ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (numbers 10 Civ) Tj ET Q q 0 0 0 rg BT 387.24 269.10 Td (. 9646 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 451.50 269.10 Td (.\) \(Stein, J.\), 1) Tj ET Q q 0 0 0 rg BT 508.07 269.10 Td (1 Civ) Tj ET Q q 0 0 0 rg BT 529.37 269.10 Td (. 7672 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (\(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 360.77 257.10 Td (.\) \(Koeltl, J.\), 13-4488, 13-4504, and 15-2461 \(2d ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (Cir) Tj ET Q q 0 0 0 rg BT 336.23 245.10 Td (.\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 233.10 Td (Beginning in November 2007, certain Citigroup af) Tj ET Q q 0 0 0 rg BT 544.28 233.10 Td (filiates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (also have been named as defendants arising out of their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (activities as underwriters of securities in actions brought by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (investors in securities issued by public companies adversely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (af) Tj ET Q q 0 0 0 rg BT 331.59 185.10 Td (fected by the credit crisis. Many of these matters have been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (dismissed or settled. ) Tj ET Q q 0 0 0 rg BT 407.33 173.10 Td (As a general matter) Tj ET Q q 0 0 0 rg BT 484.95 173.10 Td (, issuers indemnify ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (underwriters in connection with such claims, but in certain of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (these matters Citigroup af) Tj ET Q q 0 0 0 rg BT 427.40 149.10 Td (filiates are not being indemnified or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (may in the future cease to be indemnified because of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (financial condition of the issuer) Tj ET Q q 0 0 0 rg BT 450.08 125.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 113.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 344.50 113.10 Td (Mortgage-Backed Securities and CDO Investor ) Tj ET Q q 0 0 0 rg BT 537.33 113.10 Td (Actions: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (Beginning in July 2010, Citigroup and Related Parties have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (been named as defendants in complaints filed by purchasers of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (MBS and CDOs sold or underwritten by Citigroup. ) Tj ET Q q 0 0 0 rg BT 531.31 77.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (complaints generally assert that defendants made material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (misrepresentations and omissions about the credit quality of ) Tj ET Q endstream endobj 583 0 obj <> endobj 584 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (289) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (the assets underlying the securities or the manner in which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (those assets were selected, and typically assert claims under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (Section 1) Tj ET Q q 0 0 0 rg BT 73.12 725.10 Td (1 of the Securities ) Tj ET Q q 0 0 0 rg BT 147.55 725.10 Td (Act of 1933, state blue sky laws, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (and/or common-law misrepresentation-based causes of action.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 701.10 Td (The majority of these matters have been resolved through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (settlement or otherwise. ) Tj ET Q q 0 0 0 rg BT 136.25 689.10 Td (As of December 31, 2015, the) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 256.50 689.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (aggregate original purchase amount of the purchases at issue) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 278.69 677.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (in the pending litigations was approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.52 665.10 Td ($1.2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.64 665.10 Td (, and) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 282.07 665.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (the aggregate original purchase amount of the purchases) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 261.19 653.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (covered by tolling agreements with investors threatening) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 263.16 641.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (litigation was approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.92 629.10 Td ($500 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.31 629.10 Td (. ) Tj ET Q q 0 0 0 rg BT 208.76 629.10 Td (Additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (information concerning certain of these actions is publicly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (available in court filings under the docket numbers 13-1729-II ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 44.74 593.10 Td (enn. Ch. Ct.\) \(McCoy) Tj ET Q q 0 0 0 rg BT 131.31 593.10 Td (, C.\), 650212/2012 \(N.Y) Tj ET Q q 0 0 0 rg BT 228.07 593.10 Td (. Sup. Ct.\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (\(Kornreich, J.\), and 12 Civ) Tj ET Q q 0 0 0 rg BT 142.83 581.10 Td (. 3868 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 207.09 581.10 Td (.\) \(Forrest, J.\).) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 57.00 569.10 Td (Mortgage-Backed Security Repur) Tj ET Q q 0 0 0 rg BT 191.02 569.10 Td (chase Claims) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.63 569.10 Td (: ) Tj ET Q q 0 0 0 rg BT 252.23 569.10 Td (V) Tj ET Q q 0 0 0 rg BT 258.34 569.10 Td (arious ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (parties to MBS securitizations and other interested parties ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (have asserted that certain Citigroup af) Tj ET Q q 0 0 0 rg BT 187.70 545.10 Td (filiates breached ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (representations and warranties made in connection with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (mortgage loans sold into securitization trusts \(private-label ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (securitizations\). ) Tj ET Q q 0 0 0 rg BT 101.91 509.10 Td (T) Tj ET Q q 0 0 0 rg BT 107.32 509.10 Td (ypically) Tj ET Q q 0 0 0 rg BT 138.88 509.10 Td (, these claims are based on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (allegations that securitized mortgages were not underwritten in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (accordance with the applicable underwriting standards. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (Citigroup also has received numerous inquiries, demands for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (loan files, and requests to toll \(extend\) the applicable statutes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (of limitation for representation and warranty claims relating to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (its private-label securitizations. ) Tj ET Q q 0 0 0 rg BT 163.55 437.10 Td (These inquiries, demands and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (requests have been made by trustees of securitization trusts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (and others.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 401.10 Td (On ) Tj ET Q q 0 0 0 rg BT 68.17 401.10 Td (April 7, 2014, Citigroup entered into an agreement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 56.28 389.10 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.28 389.10 Td ( institutional investors represented by Gibbs & Bruns ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (LLP) Tj ET Q q 0 0 0 rg BT 53.41 377.10 Td ( regarding the resolution of representation and warranty ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (repurchase claims related to certain legacy securitizations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (Pursuant to the agreement, Citigroup made a binding of) Tj ET Q q 0 0 0 rg BT 258.27 353.10 Td (fer to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (the trustees of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.59 341.10 Td (68) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.59 341.10 Td ( Citigroup-sponsored mortgage securitization ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (trusts to pay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.39 329.10 Td ($1.125 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.50 329.10 Td ( to the trusts to resolve these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (claims, plus certain fees and expenses. ) Tj ET Q q 0 0 0 rg BT 194.93 317.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.98 317.10 Td (68) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.98 317.10 Td ( trusts covered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (by the agreement represent all of the trusts established by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 77.11 293.10 Td (s legacy ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 112.10 293.10 Td (Securities and Banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.36 293.10 Td (business during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (2005-2008 for which Citigroup af) Tj ET Q q 0 0 0 rg BT 171.35 281.10 Td (filiates made representations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (and warranties to the trusts. ) Tj ET Q q 0 0 0 rg BT 151.07 269.10 Td (The trustees accepted the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (settlement for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.76 257.10 Td (64) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.76 257.10 Td ( trusts in whole, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.08 257.10 Td (four) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.74 257.10 Td ( in part. Pursuant to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (the terms of the settlement agreement, the trustees) Tj ET Q q 0 0 0 rg BT 239.07 245.10 Td ( acceptance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (was subject to a judicial approval proceeding. On December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (18, 2015, the court filed a decision and order approving the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (trustees) Tj ET Q q 0 0 0 rg BT 69.13 209.10 Td ( entry into the settlement and finding that the trustees, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (in entering the settlement, had exercised their authority ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (reasonably and in good faith. ) Tj ET Q q 0 0 0 rg BT 156.81 185.10 Td (Additional information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (concerning this proceeding is publicly available in court ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (filings under the docket number 653902/2014 \(N.Y) Tj ET Q q 0 0 0 rg BT 240.51 161.10 Td (. Sup. Ct.\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (\(Friedman, J.\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 137.10 Td (T) Tj ET Q q 0 0 0 rg BT 59.41 137.10 Td (o date, trustees have filed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.81 137.10 Td (six) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.48 137.10 Td ( actions against Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (seeking to enforce certain of these contractual repurchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (claims that were excluded from the ) Tj ET Q q 0 0 0 rg BT 178.72 113.10 Td (April 7, 2014 settlement in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (connection with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.65 101.10 Td (four) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.31 101.10 Td ( private-label securitizations. Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (has reached an agreement with the trustees to resolve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.19 89.10 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.18 89.10 Td ( of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (these actions, and those actions were dismissed with prejudice ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (on January 26, 2016. ) Tj ET Q q 0 0 0 rg BT 124.42 65.10 Td (The remaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.51 65.10 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.49 65.10 Td ( actions are in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (various stages of discovery) Tj ET Q q 0 0 0 rg BT 143.93 53.10 Td (. In the aggregate, plaintif) Tj ET Q q 0 0 0 rg BT 249.54 53.10 Td (fs are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (asserting repurchase claims in the remaining actions as to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.26 737.10 Td (2,900) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.76 737.10 Td ( loans that were securitized into these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.99 725.10 Td ( securitizations, as well as any other loans that are later ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (found to have breached representations and warranties. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (Additional information concerning these actions is publicly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (available in court filings under the docket numbers 13 Civ) Tj ET Q q 0 0 0 rg BT 556.35 689.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (2843 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 383.27 677.10 Td (.\) \(Daniels, J.\), 13 Civ) Tj ET Q q 0 0 0 rg BT 471.50 677.10 Td (. 6989 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 535.76 677.10 Td (.\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (\(Daniels, J.\), 653816/2013 \(N.Y) Tj ET Q q 0 0 0 rg BT 451.86 665.10 Td (. Sup. Ct.\) \(Kornreich, J.\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (653919/2014 \(N.Y) Tj ET Q q 0 0 0 rg BT 398.26 653.10 Td (. Sup. Ct.\), 653929/2014 \(N.Y) Tj ET Q q 0 0 0 rg BT 518.37 653.10 Td (. Sup. Ct.\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (and 653930/2014 \(N.Y) Tj ET Q q 0 0 0 rg BT 415.20 641.10 Td (. Sup. Ct.\).) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 345.00 629.10 Td (Mortgage-Backed Securities T) Tj ET Q q 0 0 0 rg BT 466.64 629.10 Td (rustee ) Tj ET Q q 0 0 0 rg BT 493.39 629.10 Td (Actions:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.22 629.10 Td (On June ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (18, 2014, a group of investors in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.49 617.10 Td (48) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.49 617.10 Td ( RMBS trusts for which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (Citibank served or currently serves as trustee filed a complaint ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (in New ) Tj ET Q q 0 0 0 rg BT 355.29 593.10 Td (Y) Tj ET Q q 0 0 0 rg BT 361.51 593.10 Td (ork State Supreme Court in BLACKROCK ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (ALLOCA) Tj ET Q q 0 0 0 rg BT 363.44 581.10 Td (TION ) Tj ET Q q 0 0 0 rg BT 389.64 581.10 Td (T) Tj ET Q q 0 0 0 rg BT 394.95 581.10 Td (ARGET) Tj ET Q q 0 0 0 rg BT 428.10 581.10 Td ( SHARES: SERIES S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (POR) Tj ET Q q 0 0 0 rg BT 342.85 569.10 Td (TFOLIO, ET) Tj ET Q q 0 0 0 rg BT 395.44 569.10 Td ( ) Tj ET Q q 0 0 0 rg BT 397.39 569.10 Td (AL. ) Tj ET Q q 0 0 0 rg BT 415.54 569.10 Td (V) Tj ET Q q 0 0 0 rg BT 421.47 569.10 Td (. CITIBANK, N.A. ) Tj ET Q q 0 0 0 rg BT 503.51 569.10 Td (The complaint, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (like those filed against other RMBS trustees, alleges that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (Citibank failed to pursue contractual remedies against ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (securitization sponsors and servicers. ) Tj ET Q q 0 0 0 rg BT 477.67 533.10 Td (This action was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (withdrawn without prejudice, ef) Tj ET Q q 0 0 0 rg BT 452.12 521.10 Td (fective December 17, 2014. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (On November 24, 2014, lar) Tj ET Q q 0 0 0 rg BT 433.79 509.10 Td (gely the same group of investors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (filed an action in the United States District Court for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (Southern District of New ) Tj ET Q q 0 0 0 rg BT 426.94 485.10 Td (Y) Tj ET Q q 0 0 0 rg BT 433.17 485.10 Td (ork, captioned FIXED INCOME ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (SHARES: SERIES M ET) Tj ET Q q 0 0 0 rg BT 426.89 473.10 Td ( ) Tj ET Q q 0 0 0 rg BT 428.84 473.10 Td (AL. ) Tj ET Q q 0 0 0 rg BT 446.99 473.10 Td (V) Tj ET Q q 0 0 0 rg BT 452.92 473.10 Td (. CITIBANK N.A., alleging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (similar claims relating to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.20 461.10 Td (27) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.20 461.10 Td ( MBS trusts for which Citibank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (allegedly served or currently serves as trustee. On September ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (8, 2015, the United States District Court for the Southern ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (District of New ) Tj ET Q q 0 0 0 rg BT 388.34 425.10 Td (Y) Tj ET Q q 0 0 0 rg BT 394.56 425.10 Td (ork dismissed all claims as to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.54 425.10 Td (24) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.54 425.10 Td ( of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.59 425.10 Td (27) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.59 425.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (trusts and allowed certain of the claims to proceed as to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.05 401.10 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.03 401.10 Td ( trusts. ) Tj ET Q q 0 0 0 rg BT 398.15 401.10 Td (Additional information concerning this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (action is publicly available in court filings under the docket ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (number 14-cv-9373 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 442.41 377.10 Td (.\) \(Furman, J.\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 365.10 Td (On November 24, 2015, lar) Tj ET Q q 0 0 0 rg BT 451.79 365.10 Td (gely the same group of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (investors filed another action in the New ) Tj ET Q q 0 0 0 rg BT 488.86 353.10 Td (Y) Tj ET Q q 0 0 0 rg BT 495.08 353.10 Td (ork State Supreme ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (Court, captioned FIXED INCOME SHARES: SERIES M, ET) Tj ET Q q 0 0 0 rg BT 572.43 341.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (AL. ) Tj ET Q q 0 0 0 rg BT 342.15 329.10 Td (V) Tj ET Q q 0 0 0 rg BT 348.08 329.10 Td (. CITIBANK N.A., related to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.50 329.10 Td (24) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.50 329.10 Td ( trusts dismissed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (from the federal court action and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.83 317.10 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.27 317.10 Td ( additional trust, asserting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (claims similar to the original complaint filed in state court. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (Additional information concerning this action is publicly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (available in court filings under the docket number ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (653891/2015 \(N.Y) Tj ET Q q 0 0 0 rg BT 398.26 269.10 Td (. Sup. Ct.\) \(Ramos, J.\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 257.10 Td (On ) Tj ET Q q 0 0 0 rg BT 356.17 257.10 Td (August 19, 2015, the Federal Deposit Insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (Corporation as receiver for a financial institution filed a civil ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (action against Citibank in the United States District Court for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (the Southern District of New ) Tj ET Q q 0 0 0 rg BT 441.66 221.10 Td (Y) Tj ET Q q 0 0 0 rg BT 447.88 221.10 Td (ork, captioned FEDERAL) Tj ET Q q 0 0 0 rg BT 552.21 221.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (DEPOSIT) Tj ET Q q 0 0 0 rg BT 364.93 209.10 Td ( INSURANCE CORPORA) Tj ET Q q 0 0 0 rg BT 473.29 209.10 Td (TION ) Tj ET Q q 0 0 0 rg BT 499.12 209.10 Td (AS RECEIVER ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (FOR GUARANTY) Tj ET Q q 0 0 0 rg BT 401.69 197.10 Td ( BANK ) Tj ET Q q 0 0 0 rg BT 434.84 197.10 Td (V) Tj ET Q q 0 0 0 rg BT 440.78 197.10 Td (. CITIBANK N.A. ) Tj ET Q q 0 0 0 rg BT 520.31 197.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (complaint concerns ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.53 185.10 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.97 185.10 Td ( RMBS trust for which Citibank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (formerly served as trustee, and alleges that Citibank failed to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (pursue contractual remedies against the sponsor and servicers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (of that trust. ) Tj ET Q q 0 0 0 rg BT 377.05 149.10 Td (Additional information concerning this action is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (publicly available in court filings under the docket number 15-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (cv-6574 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 396.04 125.10 Td (.\) \(Carter) Tj ET Q q 0 0 0 rg BT 432.28 125.10 Td (, J.\). ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (Counterparty and Investor ) Tj ET Q q 0 0 0 rg BT 435.59 101.10 Td (Actions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (In 2010, ) Tj ET Q q 0 0 0 rg BT 359.28 89.10 Td (Abu Dhabi Investment ) Tj ET Q q 0 0 0 rg BT 452.32 89.10 Td (Authority \(ADIA\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (commenced an arbitration \(ADIA) Tj ET Q q 0 0 0 rg BT 458.67 77.10 Td ( I\) against Citigroup before ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (the International Center for Dispute Resolution \(ICDR\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (alleging statutory and common law claims in connection with ) Tj ET Q endstream endobj 585 0 obj <> endobj 586 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (290) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 47.95 749.10 Td ($7.5 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.06 749.10 Td ( investment in Citigroup in December 2007. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (ADIA) Tj ET Q q 0 0 0 rg BT 60.44 737.10 Td ( sought rescission of the investment agreement or) Tj ET Q q 0 0 0 rg BT 258.05 737.10 Td (, in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (alternative, more than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.96 725.10 Td ($4 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.57 725.10 Td ( in damages. On October 14, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (201) Tj ET Q q 0 0 0 rg BT 50.63 713.10 Td (1, the arbitration panel issued a final award and statement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (of reasons finding in favor of Citigroup on all claims asserted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (by ) Tj ET Q q 0 0 0 rg BT 47.95 689.10 Td (ADIA. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 677.10 Td (On March 4, 2013, the United States District Court for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (Southern District of New ) Tj ET Q q 0 0 0 rg BT 138.94 665.10 Td (Y) Tj ET Q q 0 0 0 rg BT 145.17 665.10 Td (ork denied ) Tj ET Q q 0 0 0 rg BT 189.60 665.10 Td (ADIA) Tj ET Q q 0 0 0 rg BT 213.49 665.10 Td () Tj ET Q q 0 0 0 rg BT 216.26 665.10 Td (s petition to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (vacate the arbitration award and granted Citigroup) Tj ET Q q 0 0 0 rg BT 240.37 653.10 Td (s cross-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (petition to confirm. ) Tj ET Q q 0 0 0 rg BT 115.43 641.10 Td (ADIA) Tj ET Q q 0 0 0 rg BT 139.88 641.10 Td ( appealed and, on February 19, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (2014, the United States Court of ) Tj ET Q q 0 0 0 rg BT 167.38 629.10 Td (Appeals for the Second ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (Circuit af) Tj ET Q q 0 0 0 rg BT 73.86 617.10 Td (firmed the judgment. ) Tj ET Q q 0 0 0 rg BT 162.46 617.10 Td (Additional information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (concerning this action is publicly available in court filings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (under the docket numbers 12 Civ) Tj ET Q q 0 0 0 rg BT 168.38 593.10 Td (. 283 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 227.65 593.10 Td (.\) \(Daniels, J.\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (13-1068-cv \(2d Cir) Tj ET Q q 0 0 0 rg BT 112.66 581.10 Td (.\), and 13-1500 \(U.S.\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 569.10 Td (On ) Tj ET Q q 0 0 0 rg BT 68.17 569.10 Td (August 20, 2013, ) Tj ET Q q 0 0 0 rg BT 139.01 569.10 Td (ADIA) Tj ET Q q 0 0 0 rg BT 163.45 569.10 Td ( commenced a second ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (arbitration \(ADIA) Tj ET Q q 0 0 0 rg BT 107.92 557.10 Td ( II\) against Citigroup before the ICDR, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (alleging common law claims arising out of the same ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (investment at issue in ) Tj ET Q q 0 0 0 rg BT 124.33 533.10 Td (ADIA) Tj ET Q q 0 0 0 rg BT 148.77 533.10 Td ( I. On ) Tj ET Q q 0 0 0 rg BT 173.77 533.10 Td (August 28, 2013, Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (filed a complaint against ) Tj ET Q q 0 0 0 rg BT 136.53 521.10 Td (ADIA) Tj ET Q q 0 0 0 rg BT 160.97 521.10 Td ( in the United States District ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (Court for the Southern District of New ) Tj ET Q q 0 0 0 rg BT 193.10 509.10 Td (Y) Tj ET Q q 0 0 0 rg BT 199.32 509.10 Td (ork seeking to enjoin ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (ADIA) Tj ET Q q 0 0 0 rg BT 60.44 497.10 Td ( II on the ground that it is barred by the court) Tj ET Q q 0 0 0 rg BT 243.45 497.10 Td (s judgment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (confirming the arbitral award in ) Tj ET Q q 0 0 0 rg BT 165.68 485.10 Td (ADIA) Tj ET Q q 0 0 0 rg BT 190.12 485.10 Td ( I. On September 23, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 60.45 473.10 Td (ADIA) Tj ET Q q 0 0 0 rg BT 84.89 473.10 Td ( filed motions to dismiss Citigroup) Tj ET Q q 0 0 0 rg BT 226.84 473.10 Td (s complaint ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (and to compel arbitration. On November 25, 2013, the court ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (denied Citigroup) Tj ET Q q 0 0 0 rg BT 106.27 449.10 Td (s motion for a preliminary injunction and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 67.93 437.10 Td (ADIA) Tj ET Q q 0 0 0 rg BT 91.82 437.10 Td () Tj ET Q q 0 0 0 rg BT 94.60 437.10 Td (s motions to dismiss and to compel arbitration. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (On December 23, 2013, Citigroup appealed that ruling to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (United States Court of ) Tj ET Q q 0 0 0 rg BT 127.66 413.10 Td (Appeals for the Second Circuit. On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (January 14, 2015, the Second Circuit af) Tj ET Q q 0 0 0 rg BT 194.12 401.10 Td (firmed the district ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (court) Tj ET Q q 0 0 0 rg BT 59.33 389.10 Td (s ruling. ) Tj ET Q q 0 0 0 rg BT 94.05 389.10 Td (Additional information concerning this action is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (publicly available in court filings under the docket numbers 13 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (Civ) Tj ET Q q 0 0 0 rg BT 49.80 365.10 Td (. 6073 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 114.07 365.10 Td (.\) \(Castel, J.\) and 13-4825 \(2d Cir) Tj ET Q q 0 0 0 rg BT 248.77 365.10 Td (.\).) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (Alternative Investment Fund-Related Litigation and Other ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (Matters) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (Citigroup and Related Parties have been named as defendants ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (in a putative class action lawsuit filed in October 2012 on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (behalf of investors in CSO Ltd., CSO US Ltd., and Corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (Special Opportunities Ltd., whose investments were managed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (indirectly by a Citigroup af) Tj ET Q q 0 0 0 rg BT 144.68 269.10 Td (filiate. Plaintif) Tj ET Q q 0 0 0 rg BT 204.76 269.10 Td (fs asserted a variety ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (of state common law claims, alleging that they and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (investors were misled into investing in the funds and, later) Tj ET Q q 0 0 0 rg BT 269.44 245.10 Td (, not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (redeeming their investments. ) Tj ET Q q 0 0 0 rg BT 156.62 233.10 Td (The complaint sought to recover ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (more than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.76 221.10 Td ($400 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.16 221.10 Td ( on behalf of a putative class of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (investors. On ) Tj ET Q q 0 0 0 rg BT 93.78 209.10 Td (August 10, 2015, the parties entered into an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (agreement providing for a class action settlement of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (litigation. ) Tj ET Q q 0 0 0 rg BT 79.43 185.10 Td (The court held a final settlement hearing on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (December 17, 2015 and entered an order approving the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (settlement on January 28, 2016. ) Tj ET Q q 0 0 0 rg BT 167.65 161.10 Td (Additional information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (concerning this action is publicly available in court filings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (under the docket number 12-cv-7717 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 223.55 137.10 Td (.\) \(W) Tj ET Q q 0 0 0 rg BT 243.85 137.10 Td (oods, J.\).) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (Auction Rate Securities-Related Litigation and Other ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (Matters) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (Citigroup and Related Parties have been named as defendants ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (in numerous actions and proceedings brought by Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (shareholders and purchasers or issuers of auction rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (securities \(ARS\) and an issuer of variable rate demand ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (obligations, asserting federal and state law claims arising from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (the collapse of the market in 2008, which plaintif) Tj ET Q q 0 0 0 rg BT 520.71 737.10 Td (fs contend ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (Citigroup and other ) Tj ET Q q 0 0 0 rg BT 404.27 725.10 Td (ARS underwriters and broker) Tj ET Q q 0 0 0 rg BT 522.10 725.10 Td (-dealers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (foresaw or should have foreseen, but failed adequately to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (disclose. Many of these matters have been dismissed or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (settled. Most of the remaining matters are in arbitrations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (pending before FINRA.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (Lehman Brothers Bankruptcy Proceedings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (On February 8, 2012, Citibank and certain Citigroup af) Tj ET Q q 0 0 0 rg BT 544.33 641.10 Td (filiates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (were named as defendants in an adversary proceeding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (asserting objections to proofs of claim totaling approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td ($2.6 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.11 605.10 Td ( filed by Citibank and those af) Tj ET Q q 0 0 0 rg BT 491.02 605.10 Td (filiates, and claims ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (under federal bankruptcy and state law to recover ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.46 593.10 Td ($2 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.08 593.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (deposited by Lehman Brothers Holdings Inc. \(LBHI\) with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (Citibank against which Citibank asserts a right of setof) Tj ET Q q 0 0 0 rg BT 543.22 569.10 Td (f. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (Plaintif) Tj ET Q q 0 0 0 rg BT 353.26 557.10 Td (fs also sought avoidance of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.56 557.10 Td ($500 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.96 557.10 Td ( transfer and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (an amendment to a guarantee in favor of Citibank and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (relief; plaintif) Tj ET Q q 0 0 0 rg BT 379.07 533.10 Td (fs dismissed, with prejudice, their claim to avoid ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.72 521.10 Td ($500 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.11 521.10 Td ( transfer pursuant to a stipulation entered by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (the court on March 12, 2015. Plaintif) Tj ET Q q 0 0 0 rg BT 474.63 509.10 Td (fs filed various amended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (complaints asserting additional claims and factual allegations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (and amending certain previously asserted claims. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 473.10 Td (Discovery related to the remaining claims is ongoing. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (Additional information concerning this action is publicly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (available in court filings under the docket numbers 12-01044 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (and 08-13555 \(Bankr) Tj ET Q q 0 0 0 rg BT 408.99 437.10 Td (. S.D.N.Y) Tj ET Q q 0 0 0 rg BT 447.42 437.10 Td (.\) \(Chapman, J.\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 425.10 Td (On July 21, 2014, an adversary proceeding was filed on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (behalf of Lehman Brothers Finance ) Tj ET Q q 0 0 0 rg BT 468.12 413.10 Td (AG against Citibank, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (Citibank Korea Inc. and CGML) Tj ET Q q 0 0 0 rg BT 451.10 401.10 Td ( asserting that defendants ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (improperly have withheld termination payments under certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (derivatives contracts.) Tj ET Q q 0 0 0 rg BT 410.91 377.10 Td (An amended complaint was filed by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (plaintif) Tj ET Q q 0 0 0 rg BT 352.70 365.10 Td (f on ) Tj ET Q q 0 0 0 rg BT 370.48 365.10 Td (August 6, 2014. Plaintif) Tj ET Q q 0 0 0 rg BT 468.63 365.10 Td (f seeks to recover ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.26 353.10 Td ($70 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 353.10 Td (, plus interest. Discovery is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (ongoing. ) Tj ET Q q 0 0 0 rg BT 363.73 341.10 Td (Additional information concerning this action is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (publicly available in court filings under the docket numbers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (14-02050 and 09-10583 \(Bankr) Tj ET Q q 0 0 0 rg BT 449.82 317.10 Td (. S.D.N.Y) Tj ET Q q 0 0 0 rg BT 488.25 317.10 Td (.\) \(Chapman, J.\).) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.19 293.10 Td (erra Firma Litigation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (In December 2009, the general partners of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.59 281.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.59 281.10 Td ( related private ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (equity funds filed a complaint in New ) Tj ET Q q 0 0 0 rg BT 477.76 269.10 Td (Y) Tj ET Q q 0 0 0 rg BT 483.98 269.10 Td (ork state court, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (subsequently removed to the United States District Court for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (the Southern District of New ) Tj ET Q q 0 0 0 rg BT 441.66 245.10 Td (Y) Tj ET Q q 0 0 0 rg BT 447.88 245.10 Td (ork, asserting multi-billion-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (dollar claims against Citigroup and certain of its af) Tj ET Q q 0 0 0 rg BT 527.10 233.10 Td (filiates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (arising out of the May 2007 auction of the music company) Tj ET Q q 0 0 0 rg BT 557.75 221.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (EMI, in which Citigroup af) Tj ET Q q 0 0 0 rg BT 432.97 209.10 Td (filiates acted as advisor to EMI and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (as a lender to plaintif) Tj ET Q q 0 0 0 rg BT 408.23 197.10 Td (fs) Tj ET Q q 0 0 0 rg BT 418.04 197.10 Td ( acquisition vehicle. Following a jury ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (trial, a verdict was returned in favor of Citigroup on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (November 4, 2010. Plaintif) Tj ET Q q 0 0 0 rg BT 435.47 173.10 Td (fs appealed from the entry of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (judgment. On May 31, 2013, the United States Court of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (Appeals for the Second Circuit vacated the November 2010 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (jury verdict in favor of the defendants and ordered that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (case be retried. On March 7, 2014, the parties stipulated to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (dismissal of all remaining claims in the action, without ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (prejudice to plaintif) Tj ET Q q 0 0 0 rg BT 402.68 101.10 Td (fs) Tj ET Q q 0 0 0 rg BT 412.49 101.10 Td ( rights to re-file those claims in England. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (Additional information concerning this action is publicly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (available in court filings under the docket numbers 09 Civ) Tj ET Q q 0 0 0 rg BT 556.35 77.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (10459 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 388.27 65.10 Td (.\) \(Rakof) Tj ET Q q 0 0 0 rg BT 424.19 65.10 Td (f, J.\) and 1) Tj ET Q q 0 0 0 rg BT 466.30 65.10 Td (1-0126-cv \(2d Cir) Tj ET Q q 0 0 0 rg BT 537.96 65.10 Td (.\).) Tj ET Q endstream endobj 587 0 obj <> endobj 588 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (291) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 749.10 Td (In ) Tj ET Q q 0 0 0 rg BT 64.28 749.10 Td (August and September 2013, plaintif) Tj ET Q q 0 0 0 rg BT 211.57 749.10 Td (fs in the New ) Tj ET Q q 0 0 0 rg BT 267.30 749.10 Td (Y) Tj ET Q q 0 0 0 rg BT 273.52 749.10 Td (ork ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (proceedings, together with their af) Tj ET Q q 0 0 0 rg BT 173.27 737.10 Td (filiates and principal, filed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (claims against CGML, Citibank and Citigroup arising out of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (the EMI auction in the High Court of Justice, Queen) Tj ET Q q 0 0 0 rg BT 248.18 713.10 Td (s Bench ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (Division and Manchester District Registry Mercantile Court in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (Manchester) Tj ET Q q 0 0 0 rg BT 82.25 689.10 Td (, England. ) Tj ET Q q 0 0 0 rg BT 127.89 689.10 Td (The cases have since been transferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (to the High Court of Justice, Queen) Tj ET Q q 0 0 0 rg BT 180.70 677.10 Td (s Bench Division, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (Commercial Court in London. On March 7, 2014, the parties ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (to the separate proceedings filed by ) Tj ET Q q 0 0 0 rg BT 180.21 653.10 Td (T) Tj ET Q q 0 0 0 rg BT 185.62 653.10 Td (erra Firma in 2013 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (before the High Court of Justice, Queen) Tj ET Q q 0 0 0 rg BT 198.46 641.10 Td (s Bench Division, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (consented to the service by plaintif) Tj ET Q q 0 0 0 rg BT 175.50 629.10 Td (fs of an amended complaint ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (incorporating the claims that would have proceeded to trial in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (the United States District Court for the Southern District of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (New ) Tj ET Q q 0 0 0 rg BT 57.01 593.10 Td (Y) Tj ET Q q 0 0 0 rg BT 63.23 593.10 Td (ork in July 2014, had the New ) Tj ET Q q 0 0 0 rg BT 186.18 593.10 Td (Y) Tj ET Q q 0 0 0 rg BT 192.40 593.10 Td (ork action not been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (dismissed. ) Tj ET Q q 0 0 0 rg BT 82.40 581.10 Td (A) Tj ET Q q 0 0 0 rg BT 89.07 581.10 Td ( trial \(which is based on allegations of fraudulent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (misrepresentations\) is scheduled to begin in London on June ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (7, 2016. ) Tj ET Q q 0 0 0 rg BT 72.95 557.10 Td (Additional information concerning this action is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (publicly available in court filings under the claim reference ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (T) Tj ET Q q 0 0 0 rg BT 41.41 533.10 Td (erra Firma Investments \(GP\) 2 Ltd. & Ors v Citigroup Global ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (Markets Ltd. & Ors \(CL-2013-000293\).) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (T) Tj ET Q q 0 0 0 rg BT 41.74 497.10 Td (ribune Company Bankruptcy) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (Certain Citigroup af) Tj ET Q q 0 0 0 rg BT 116.36 485.10 Td (filiates have been named as defendants in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (adversary proceedings related to the Chapter 1) Tj ET Q q 0 0 0 rg BT 221.66 473.10 Td (1 cases of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (T) Tj ET Q q 0 0 0 rg BT 41.76 461.10 Td (ribune Company \(T) Tj ET Q q 0 0 0 rg BT 120.28 461.10 Td (ribune\) filed in the United States ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (Bankruptcy Court for the District of Delaware, asserting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (claims arising out of the approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.40 437.10 Td ($1) Tj ET Q q 0 0 0 rg BT 205.03 437.10 Td (1 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.65 437.10 Td ( leveraged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (buyout of ) Tj ET Q q 0 0 0 rg BT 76.93 425.10 Td (T) Tj ET Q q 0 0 0 rg BT 82.68 425.10 Td (ribune in 2007. On ) Tj ET Q q 0 0 0 rg BT 160.18 425.10 Td (August 2, 2013, the Litigation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (T) Tj ET Q q 0 0 0 rg BT 41.76 413.10 Td (rustee, as successor plaintif) Tj ET Q q 0 0 0 rg BT 150.99 413.10 Td (f to the Of) Tj ET Q q 0 0 0 rg BT 192.18 413.10 Td (ficial Committee of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (Unsecured Creditors, filed a fifth amended complaint in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (adversary proceeding KIRSCHNER v) Tj ET Q q 0 0 0 rg BT 187.82 389.10 Td (. FITZSIMONS, ET) Tj ET Q q 0 0 0 rg BT 268.75 389.10 Td ( ) Tj ET Q q 0 0 0 rg BT 270.70 389.10 Td (AL. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (The complaint seeks to avoid and recover as actual fraudulent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (transfers the transfers of ) Tj ET Q q 0 0 0 rg BT 135.22 365.10 Td (T) Tj ET Q q 0 0 0 rg BT 140.98 365.10 Td (ribune stock that occurred as a part ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (of the leveraged buyout. Several Citigroup af) Tj ET Q q 0 0 0 rg BT 216.60 353.10 Td (filiates are named ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (as Shareholder Defendants and are alleged to have tendered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (T) Tj ET Q q 0 0 0 rg BT 41.76 329.10 Td (ribune stock to ) Tj ET Q q 0 0 0 rg BT 103.51 329.10 Td (T) Tj ET Q q 0 0 0 rg BT 109.27 329.10 Td (ribune as a part of the buyout. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 317.10 Td (Several Citigroup af) Tj ET Q q 0 0 0 rg BT 134.91 317.10 Td (filiates are named as defendants in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (certain actions brought by ) Tj ET Q q 0 0 0 rg BT 142.46 305.10 Td (T) Tj ET Q q 0 0 0 rg BT 148.21 305.10 Td (ribune noteholders, also seeking to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (recover the transfers of ) Tj ET Q q 0 0 0 rg BT 130.77 293.10 Td (T) Tj ET Q q 0 0 0 rg BT 136.53 293.10 Td (ribune stock that occurred as a part of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (the leveraged buyout, as alleged state-law constructive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (fraudulent conveyances. Finally) Tj ET Q q 0 0 0 rg BT 165.86 269.10 Td (, Citigroup Global Markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (Inc. \(CGMI\) has been named in a separate action as a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (defendant in connection with its role as advisor to ) Tj ET Q q 0 0 0 rg BT 237.71 245.10 Td (T) Tj ET Q q 0 0 0 rg BT 243.47 245.10 Td (ribune. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (The noteholders) Tj ET Q q 0 0 0 rg BT 103.29 233.10 Td ( claims were previously dismissed, and an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (appeal to the United States Court of ) Tj ET Q q 0 0 0 rg BT 181.25 221.10 Td (Appeals for the Second ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (Circuit is pending. ) Tj ET Q q 0 0 0 rg BT 114.61 209.10 Td (A) Tj ET Q q 0 0 0 rg BT 121.28 209.10 Td ( motion to dismiss the action against ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (CGMI in its role as advisor to ) Tj ET Q q 0 0 0 rg BT 157.75 197.10 Td (T) Tj ET Q q 0 0 0 rg BT 163.51 197.10 Td (ribune is pending. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 185.10 Td (In the FITZSIMONS action, claims against certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (Citigroup af) Tj ET Q q 0 0 0 rg BT 84.42 173.10 Td (filiates have been dismissed or reduced in amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (by various orders. ) Tj ET Q q 0 0 0 rg BT 114.88 161.10 Td (Additional information concerning these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (actions is publicly available in court filings under the docket ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (numbers 08-13141 \(Bankr) Tj ET Q q 0 0 0 rg BT 140.99 137.10 Td (. D. Del.\) \(Carey) Tj ET Q q 0 0 0 rg BT 207.53 137.10 Td (, J.\), 1) Tj ET Q q 0 0 0 rg BT 231.88 137.10 Td (1 MD 02296 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (\(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 72.77 125.10 Td (.\) \(Sullivan, J.\), 12 MC 2296 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 227.31 125.10 Td (.\) \(Sullivan, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (J.\), and 13-3992 \(2d Cir) Tj ET Q q 0 0 0 rg BT 131.55 113.10 Td (.\).) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Cr) Tj ET Q q 0 0 0 rg BT 335.48 749.25 Td (edit Default Swaps Matters) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (In ) Tj ET Q q 0 0 0 rg BT 334.28 737.25 Td (April 201) Tj ET Q q 0 0 0 rg BT 372.52 737.25 Td (1, the European Commission \(EC\) opened an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (investigation \(Case No COMP/39.745\) into the credit default ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (swap \(CDS\) industry) Tj ET Q q 0 0 0 rg BT 407.79 713.25 Td (. ) Tj ET Q q 0 0 0 rg BT 415.11 713.25 Td (The scope of the investigation initially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (concerned the question of whether ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.66 701.25 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.66 701.25 Td ( investment banks and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (Markit, the leading provider of financial information in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (CDS market, have colluded and/or may hold and abuse a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (dominant position in order to control the financial information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (on CDS. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 641.25 Td (On July 2, 2013, the EC issued to Citigroup, CGMI, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.25 Td (CGML, Citicorp North ) Tj ET Q q 0 0 0 rg BT 418.44 629.25 Td (America Inc. and Citibank, as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 Td (Markit, ISDA, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.49 617.25 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.49 617.25 Td ( other investment bank dealer groups, a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.25 Td (statement of objections alleging that Citi and the other dealers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.25 Td (colluded to prevent exchanges from entering the credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.25 Td (derivatives business in breach of ) Tj ET Q q 0 0 0 rg BT 456.47 581.25 Td (Article 101 of the ) Tj ET Q q 0 0 0 rg BT 529.60 581.25 Td (T) Tj ET Q q 0 0 0 rg BT 535.35 581.25 Td (reaty on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.25 Td (the Functioning of the European Union. ) Tj ET Q q 0 0 0 rg BT 488.23 569.25 Td (The statement of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.25 Td (objections set forth the EC) Tj ET Q q 0 0 0 rg BT 433.42 557.25 Td (s preliminary conclusions, did not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.25 Td (prejudge the final outcome of the case, and did not benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.25 Td (from the review and consideration of Citi) Tj ET Q q 0 0 0 rg BT 492.29 533.25 Td (s ar) Tj ET Q q 0 0 0 rg BT 506.27 533.25 Td (guments and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.25 Td (defenses. ) Tj ET Q q 0 0 0 rg BT 365.75 521.25 Td (Thereafter) Tj ET Q q 0 0 0 rg BT 406.98 521.25 Td (, Citi filed a reply and made oral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 Td (submissions to the EC. On December 4, 2015, the EC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.25 Td (informed Citi that it had closed its proceeding against Citi and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.25 Td (the other investment bank dealer groups, without further ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.25 Td (action. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 461.25 Td (In July 2009 and September 201) Tj ET Q q 0 0 0 rg BT 471.33 461.25 Td (1, the ) Tj ET Q q 0 0 0 rg BT 495.50 461.25 Td (Antitrust Division ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.25 Td (of the U.S. Department of Justice served Civil Investigative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.25 Td (Demands \(CIDs\) on Citi concerning potential anticompetitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.25 Td (conduct in the CDS industry) Tj ET Q q 0 0 0 rg BT 437.23 425.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 413.25 Td (In addition, putative class action complaints were filed by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.25 Td (various entities against Citigroup, CGMI and Citibank, among ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.25 Td (other defendants, alleging anticompetitive conduct in the CDS ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.25 Td (industry and asserting various claims under Sections 1 and 2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.25 Td (of the Sherman ) Tj ET Q q 0 0 0 rg BT 387.04 365.25 Td (Act as well as a state law claim for unjust ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.25 Td (enrichment. On October 16, 2013, the U.S. Judicial Panel on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.25 Td (Multidistrict Litigation centralized these putative class actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.25 Td (in the Southern District of New ) Tj ET Q q 0 0 0 rg BT 451.94 329.25 Td (Y) Tj ET Q q 0 0 0 rg BT 458.16 329.25 Td (ork for coordinated or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.25 Td (consolidated pretrial proceedings before Judge Denise Cote. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.25 Td (On September 30, 2015, the defendants, including Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.25 Td (and Related Parties, entered into settlement agreements to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.25 Td (settle all claims of the putative class, and on October 29, 2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.25 Td (the court granted plaintif) Tj ET Q q 0 0 0 rg BT 422.95 269.25 Td (fs) Tj ET Q q 0 0 0 rg BT 432.76 269.25 Td ( motion for preliminary approval of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.25 Td (the proposed settlements. ) Tj ET Q q 0 0 0 rg BT 429.82 257.25 Td (Additional information relating to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.25 Td (this action is publicly available in court filings under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.25 Td (docket number 13 MD 2476 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 476.58 233.25 Td (.\) \(Cote, J.\).) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 209.25 Td (For) Tj ET Q q 0 0 0 rg BT 339.37 209.25 Td (eign Exchange Matters) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 197.25 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 370.75 197.25 Td (Actions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.75 197.25 Td (: Government and regulatory agencies in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.25 Td (the U.S. and in other jurisdictions are conducting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.25 Td (investigations or making inquiries regarding Citigroup) Tj ET Q q 0 0 0 rg BT 544.80 173.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.25 Td (foreign exchange business. Citigroup is fully cooperating with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.25 Td (these and related investigations and inquiries.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 342.00 137.25 Td (Antitrust and Other Litigation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.29 137.25 Td (: Numerous foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.25 Td (exchange dealers, including Citigroup and Citibank, are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.25 Td (named as defendants in putative class actions that are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.25 Td (proceeding on a consolidated basis in the United States ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.25 Td (District Court for the Southern District of New ) Tj ET Q q 0 0 0 rg BT 513.59 89.25 Td (Y) Tj ET Q q 0 0 0 rg BT 519.82 89.25 Td (ork under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.25 Td (caption IN RE FOREIGN EXCHANGE BENCHMARK ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.25 Td (RA) Tj ET Q q 0 0 0 rg BT 336.78 65.25 Td (TES ) Tj ET Q q 0 0 0 rg BT 356.51 65.25 Td (ANTITRUST) Tj ET Q q 0 0 0 rg BT 411.88 65.25 Td ( LITIGA) Tj ET Q q 0 0 0 rg BT 446.59 65.25 Td (TION.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 472.97 65.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.47 65.25 Td ( ) Tj ET Q q 0 0 0 rg BT 477.79 65.25 Td (The plaintif) Tj ET Q q 0 0 0 rg BT 524.54 65.25 Td (fs in these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.25 Td (actions allege that the defendants colluded to manipulate the ) Tj ET Q endstream endobj 589 0 obj <> endobj 590 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (292) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (WM/Reuters rate \(WMR\), thereby causing the putative classes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (to suf) Tj ET Q q 0 0 0 rg BT 58.32 737.10 Td (fer losses in connection with ) Tj ET Q q 0 0 0 rg BT 175.06 737.10 Td (WMR-based financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (instruments. ) Tj ET Q q 0 0 0 rg BT 89.98 725.10 Td (The plaintif) Tj ET Q q 0 0 0 rg BT 136.73 725.10 Td (fs assert federal and state antitrust ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (claims and claims for unjust enrichment, and seek ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (compensatory damages, treble damages and declaratory and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (injunctive relief. On March 31, 2014, plaintif) Tj ET Q q 0 0 0 rg BT 219.11 689.10 Td (fs in the putative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (class actions filed a consolidated amended complaint.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 665.10 Td (Citibank, Citigroup, and Citibank Korea Inc., as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (numerous other foreign exchange dealers, were named as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (defendants in a putative class action captioned SIMMTECH ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (CO. v) Tj ET Q q 0 0 0 rg BT 59.24 629.10 Td (. BARCLA) Tj ET Q q 0 0 0 rg BT 103.89 629.10 Td (YS BANK PLC, ET) Tj ET Q q 0 0 0 rg BT 185.38 629.10 Td ( ) Tj ET Q q 0 0 0 rg BT 187.33 629.10 Td (AL. \(SIMMTECH\) that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (was proceeding before the same court. ) Tj ET Q q 0 0 0 rg BT 194.64 617.10 Td (The plaintif) Tj ET Q q 0 0 0 rg BT 241.39 617.10 Td (f sought to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (represent a putative class of persons who traded foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (currency with the defendants in Korea, alleging that the class ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (suf) Tj ET Q q 0 0 0 rg BT 48.04 581.10 Td (fered losses as a result of the defendants) Tj ET Q q 0 0 0 rg BT 211.41 581.10 Td ( alleged ) Tj ET Q q 0 0 0 rg BT 245.10 581.10 Td (WMR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (manipulation. ) Tj ET Q q 0 0 0 rg BT 96.09 569.10 Td (The plaintif) Tj ET Q q 0 0 0 rg BT 142.84 569.10 Td (f asserted federal and state antitrust ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (claims, and sought compensatory damages, treble damages ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (and declaratory and injunctive relief.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 533.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 103.90 533.10 Td (, Citibank and Citigroup, as well as numerous ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (other foreign exchange dealers, were named as defendants in a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (putative class action captioned LARSEN v) Tj ET Q q 0 0 0 rg BT 206.70 509.10 Td (. BARCLA) Tj ET Q q 0 0 0 rg BT 251.34 509.10 Td (YS ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (BANK PLC, ET) Tj ET Q q 0 0 0 rg BT 102.21 497.10 Td ( ) Tj ET Q q 0 0 0 rg BT 104.16 497.10 Td (AL. \(LARSEN\), that was proceeding before ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (the same court. ) Tj ET Q q 0 0 0 rg BT 101.63 485.10 Td (The plaintif) Tj ET Q q 0 0 0 rg BT 148.38 485.10 Td (f sought to represent a putative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (class of persons or entities in Norway who traded foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (currency with defendants, alleging that the class suf) Tj ET Q q 0 0 0 rg BT 242.97 461.10 Td (fered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (losses as a result of defendants) Tj ET Q q 0 0 0 rg BT 161.61 449.10 Td ( alleged ) Tj ET Q q 0 0 0 rg BT 195.30 449.10 Td (WMR manipulation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (The plaintif) Tj ET Q q 0 0 0 rg BT 82.75 437.10 Td (f asserted federal antitrust and unjust enrichment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (claims, and sought compensatory damages, treble damages ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (and declaratory and injunctive relief.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 401.10 Td (Citigroup and Citibank, along with other defendants, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (moved to dismiss all of these actions. On January 28, 2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (the court issued an opinion and order denying the motion as to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (the IN RE FOREIGN EXCHANGE BENCHMARK RA) Tj ET Q q 0 0 0 rg BT 261.56 365.10 Td (TES ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (ANTITRUST) Tj ET Q q 0 0 0 rg BT 91.37 353.10 Td ( LITIGA) Tj ET Q q 0 0 0 rg BT 126.08 353.10 Td (TION plaintif) Tj ET Q q 0 0 0 rg BT 181.17 353.10 Td (fs, but dismissing the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (claims of the SIMMTECH and LARSEN plaintif) Tj ET Q q 0 0 0 rg BT 232.46 341.10 Td (fs in their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (entirety on the grounds that their federal claims were barred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (by the Foreign ) Tj ET Q q 0 0 0 rg BT 96.64 317.10 Td (T) Tj ET Q q 0 0 0 rg BT 102.40 317.10 Td (rade ) Tj ET Q q 0 0 0 rg BT 121.56 317.10 Td (Antitrust Improvements ) Tj ET Q q 0 0 0 rg BT 219.33 317.10 Td (Act and their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (state claims had an insuf) Tj ET Q q 0 0 0 rg BT 134.13 305.10 Td (ficient nexus to New ) Tj ET Q q 0 0 0 rg BT 219.29 305.10 Td (Y) Tj ET Q q 0 0 0 rg BT 225.51 305.10 Td (ork. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (Additional information concerning these actions is publicly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (available in court filings under the docket numbers 13 Civ) Tj ET Q q 0 0 0 rg BT 268.35 281.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (7789, 13 Civ) Tj ET Q q 0 0 0 rg BT 87.30 269.10 Td (. 7953, and 14 Civ) Tj ET Q q 0 0 0 rg BT 160.54 269.10 Td (. 1364 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 224.80 269.10 Td (.\) \(Schofield, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (J.\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 245.10 Td (Additional actions have been consolidated in the IN RE ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (FOREIGN EXCHANGE BENCHMARK RA) Tj ET Q q 0 0 0 rg BT 218.51 233.10 Td (TES ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (ANTITRUST) Tj ET Q q 0 0 0 rg BT 91.37 221.10 Td ( LITIGA) Tj ET Q q 0 0 0 rg BT 126.08 221.10 Td (TION proceeding, including lawsuits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (brought by) Tj ET Q q 0 0 0 rg BT 78.96 209.10 Td (, or on behalf of putative classes of, investors that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (transacted in exchange-traded foreign exchange futures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (contracts and/or options on foreign exchange futures contracts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (on certain exchanges. ) Tj ET Q q 0 0 0 rg BT 127.17 173.10 Td (The plaintif) Tj ET Q q 0 0 0 rg BT 173.92 173.10 Td (fs allege that they suf) Tj ET Q q 0 0 0 rg BT 259.26 173.10 Td (fered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (losses as a result of the defendants) Tj ET Q q 0 0 0 rg BT 176.33 161.10 Td ( alleged manipulation of, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (and collusion with respect to, the foreign exchange market. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (The plaintif) Tj ET Q q 0 0 0 rg BT 82.75 137.10 Td (fs allege violations of the Commodity Exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (Act, the Sherman ) Tj ET Q q 0 0 0 rg BT 107.65 125.10 Td (Act, and/or the Clayton ) Tj ET Q q 0 0 0 rg BT 203.47 125.10 Td (Act, and seek ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (compensatory damages, treble damages and declaratory and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (injunctive relief.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 89.10 Td (On December 15, 2015, the court entered an order ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (preliminarily approving a proposed settlement between the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (Citi defendants and classes of plaintif) Tj ET Q q 0 0 0 rg BT 186.06 65.10 Td (fs who traded foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (exchange instruments in the spot market and on exchanges. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (The proposed settlement provides for the Citi defendants to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (receive a release in exchange for a payment of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.95 737.10 Td ($394 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 563.34 737.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (\(which was made on December 18, 2015\) plus a separate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (payment of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.76 713.10 Td ($8 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.16 713.10 Td ( \(which is due upon final approval of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (settlement by the court\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 689.10 Td (Additional information concerning these actions is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (publicly available in court filings under the following docket ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (numbers: 15 Civ) Tj ET Q q 0 0 0 rg BT 390.02 665.10 Td (. 1350; 15 Civ) Tj ET Q q 0 0 0 rg BT 446.59 665.10 Td (. 2705; 15 Civ) Tj ET Q q 0 0 0 rg BT 503.17 665.10 Td (. 4230; 15 Civ) Tj ET Q q 0 0 0 rg BT 559.75 665.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (4436; and 15 Civ) Tj ET Q q 0 0 0 rg BT 392.52 653.10 Td (. 4926 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 456.78 653.10 Td (.\) \(Schofield, J.\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 641.10 Td (On May 21, 2015, an action captioned NYPL) Tj ET Q q 0 0 0 rg BT 523.54 641.10 Td ( v) Tj ET Q q 0 0 0 rg BT 530.39 641.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (JPMORGAN CHASE & CO., ET) Tj ET Q q 0 0 0 rg BT 458.83 629.10 Td (. ) Tj ET Q q 0 0 0 rg BT 463.28 629.10 Td (AL) Tj ET Q q 0 0 0 rg BT 476.24 629.10 Td ( was brought in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (United States District Court for the Northern District of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (California against Citigroup, as well as numerous other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (foreign exchange dealers. ) Tj ET Q q 0 0 0 rg BT 431.27 593.10 Td (The plaintif) Tj ET Q q 0 0 0 rg BT 478.01 593.10 Td (f seeks to represent a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (putative class of consumers and businesses in the United ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (States who directly purchased supracompetitive foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (currency exchange rates from defendants for their end use. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (The plaintif) Tj ET Q q 0 0 0 rg BT 370.75 545.10 Td (f filed an amended complaint on June 1) Tj ET Q q 0 0 0 rg BT 528.38 545.10 Td (1, 2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (alleging violations of the Sherman ) Tj ET Q q 0 0 0 rg BT 463.70 533.10 Td (Act, and seeking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (compensatory damages, treble damages and declaratory and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (injunctive relief. On November 9, 2015, the court granted the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (defendants) Tj ET Q q 0 0 0 rg BT 369.90 497.10 Td ( motion to transfer the action to the United States ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (District Court for the Southern District of New ) Tj ET Q q 0 0 0 rg BT 513.59 485.10 Td (Y) Tj ET Q q 0 0 0 rg BT 519.82 485.10 Td (ork for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (possible consolidation with IN RE FOREIGN EXCHANGE ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (BENCHMARK RA) Tj ET Q q 0 0 0 rg BT 403.18 461.10 Td (TES ) Tj ET Q q 0 0 0 rg BT 422.91 461.10 Td (ANTITRUST) Tj ET Q q 0 0 0 rg BT 478.28 461.10 Td ( LITIGA) Tj ET Q q 0 0 0 rg BT 512.99 461.10 Td (TION. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (Additional information concerning this action is publicly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (available in court filings under the docket numbers 15 Civ) Tj ET Q q 0 0 0 rg BT 556.35 437.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (2290 \(N.D. Cal.\) \(Chhabria, J.\) and 15 Civ) Tj ET Q q 0 0 0 rg BT 494.43 425.10 Td (. 9300 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 558.70 425.10 Td (.\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (\(Schofield, J.\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 401.10 Td (On June 3, 2015, an action captioned ) Tj ET Q q 0 0 0 rg BT 492.24 401.10 Td (ALLEN v) Tj ET Q q 0 0 0 rg BT 531.86 401.10 Td (. BANK ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (OF ) Tj ET Q q 0 0 0 rg BT 338.73 389.10 Td (AMERICA) Tj ET Q q 0 0 0 rg BT 384.29 389.10 Td ( CORPORA) Tj ET Q q 0 0 0 rg BT 432.92 389.10 Td (TION, ET) Tj ET Q q 0 0 0 rg BT 473.84 389.10 Td ( ) Tj ET Q q 0 0 0 rg BT 475.79 389.10 Td (AL. was brought in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (United States District Court for the Southern District of New ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (Y) Tj ET Q q 0 0 0 rg BT 330.22 365.10 Td (ork against Citigroup, as well as numerous other foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (exchange dealers. ) Tj ET Q q 0 0 0 rg BT 399.89 353.10 Td (The plaintif) Tj ET Q q 0 0 0 rg BT 446.64 353.10 Td (f seeks to represent a putative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (class of participants, beneficiaries, and named fiduciaries of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (qualified Employee Retirement Income Security ) Tj ET Q q 0 0 0 rg BT 519.77 329.10 Td (Act \(ERISA\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (plans for whom a defendant provided foreign exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (transactional services or authorized or permitted foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (exchange transactional services involving a plan) Tj ET Q q 0 0 0 rg BT 520.32 293.10 Td (s assets in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (connection with its exercise of authority or control regarding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (an ERISA) Tj ET Q q 0 0 0 rg BT 364.28 269.10 Td ( plan. ) Tj ET Q q 0 0 0 rg BT 391.31 269.10 Td (The plaintif) Tj ET Q q 0 0 0 rg BT 438.06 269.10 Td (f alleges violations of ERISA, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (seeks compensatory damages, restitution, disgor) Tj ET Q q 0 0 0 rg BT 517.11 257.10 Td (gement and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (declaratory and injunctive relief. On June 29, 2015, ) Tj ET Q q 0 0 0 rg BT 534.49 245.10 Td (ALLEN ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (was consolidated with IN RE FOREIGN EXCHANGE ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (BENCHMARK RA) Tj ET Q q 0 0 0 rg BT 403.18 221.10 Td (TES ) Tj ET Q q 0 0 0 rg BT 422.91 221.10 Td (ANTITRUST) Tj ET Q q 0 0 0 rg BT 478.28 221.10 Td ( LITIGA) Tj ET Q q 0 0 0 rg BT 512.99 221.10 Td (TION for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (discovery purposes only) Tj ET Q q 0 0 0 rg BT 420.56 209.10 Td (. ) Tj ET Q q 0 0 0 rg BT 427.51 209.10 Td (Additional information concerning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (this action is publicly available in court filings under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (docket number 15 Civ) Tj ET Q q 0 0 0 rg BT 412.50 185.10 Td (. 4285 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 476.77 185.10 Td (.\) \(Schofield, J.\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 173.10 Td (In September 2015, putative class actions captioned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (BLAND v) Tj ET Q q 0 0 0 rg BT 371.40 161.10 Td (. ROY) Tj ET Q q 0 0 0 rg BT 396.41 161.10 Td (AL) Tj ET Q q 0 0 0 rg BT 409.37 161.10 Td ( BANK OF CANADA, ET) Tj ET Q q 0 0 0 rg BT 517.80 161.10 Td ( ) Tj ET Q q 0 0 0 rg BT 519.75 161.10 Td (AL. and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (ST) Tj ET Q q 0 0 0 rg BT 334.87 149.10 Td (AINES v) Tj ET Q q 0 0 0 rg BT 371.16 149.10 Td (. ROY) Tj ET Q q 0 0 0 rg BT 396.17 149.10 Td (AL) Tj ET Q q 0 0 0 rg BT 409.13 149.10 Td ( BANK OF CANADA, ET) Tj ET Q q 0 0 0 rg BT 517.56 149.10 Td ( ) Tj ET Q q 0 0 0 rg BT 519.51 149.10 Td (AL. were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (filed in the Quebec Superior Court of Justice and the Ontario ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (Superior Court of Justice, respectively) Tj ET Q q 0 0 0 rg BT 476.92 125.10 Td (, against Citigroup and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (Related Parties, as well as numerous other foreign exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (dealers. Plaintif) Tj ET Q q 0 0 0 rg BT 389.08 101.10 Td (fs allege that defendants conspired to fix the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (prices and supply of currency purchased in the foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (exchange market, and that this manipulation caused investors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (to pay inflated rates for currency and/or to receive deflated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (rates for currency) Tj ET Q q 0 0 0 rg BT 393.86 53.10 Td (. Plaintif) Tj ET Q q 0 0 0 rg BT 430.63 53.10 Td (fs assert claims under the Canadian ) Tj ET Q endstream endobj 591 0 obj <> endobj 592 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (293) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (Competition ) Tj ET Q q 0 0 0 rg BT 87.95 749.10 Td (Act and the Quebec Civil Code and/or for civil ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (conspiracy) Tj ET Q q 0 0 0 rg BT 78.67 737.10 Td (, unjust enrichment and waiver of tort. Plaintif) Tj ET Q q 0 0 0 rg BT 266.22 737.10 Td (fs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (seek compensatory and punitive damages, or disgor) Tj ET Q q 0 0 0 rg BT 242.71 725.10 Td (gement, on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (behalf of putative classes of all persons in Quebec or in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (Canada who entered into a foreign exchange instrument or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (participated in a fund or investment vehicle that entered into a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (foreign exchange instrument between January 1, 2003 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (December 31, 2013. ) Tj ET Q q 0 0 0 rg BT 119.03 665.10 Td (Additional information concerning these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (actions is publicly available in court filings under the docket ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (numbers 200-06-000189-152 \(C.S.Q. Quebec\) and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (CV) Tj ET Q q 0 0 0 rg BT 48.97 629.10 Td (-15-536174 \(Ont. S.C.J.\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 617.10 Td (On September 16, 2015, an action captioned NEGRETE ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (v) Tj ET Q q 0 0 0 rg BT 40.35 605.10 Td (. CITIBANK, N.A. was filed in the United States District ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (Court for the Southern District of New ) Tj ET Q q 0 0 0 rg BT 193.10 593.10 Td (Y) Tj ET Q q 0 0 0 rg BT 199.32 593.10 Td (ork. Plaintif) Tj ET Q q 0 0 0 rg BT 246.91 593.10 Td (fs allege ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (that Citibank, N.A. engaged in conduct in connection with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (plaintif) Tj ET Q q 0 0 0 rg BT 64.70 569.10 Td (fs) Tj ET Q q 0 0 0 rg BT 74.51 569.10 Td ( foreign exchange trading that caused them losses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (Plaintif) Tj ET Q q 0 0 0 rg BT 65.26 557.10 Td (fs assert claims for fraud, breach of contract, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (negligence, and seek compensatory damages, punitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (damages and injunctive relief. On November 17, 2015, Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (filed a motion to dismiss and a motion to stay discovery ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (pending resolution of the motion to dismiss. On December 7, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (2015, the court granted Citi) Tj ET Q q 0 0 0 rg BT 149.03 497.10 Td (s motion for a stay of discovery) Tj ET Q q 0 0 0 rg BT 275.02 497.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (Additional information concerning this action is publicly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (available in court filings under the docket number 15 Civ) Tj ET Q q 0 0 0 rg BT 264.46 473.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (7250 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 95.27 461.10 Td (.\) \(Sweet, J.\).) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 449.10 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 98.52 449.10 Td (Actions and Related Pr) Tj ET Q q 0 0 0 rg BT 191.19 449.10 Td (oceedings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.17 449.10 Td (:) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 233.95 449.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.95 449.10 Td (In June ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (2015, Citigroup was named as a defendant in IRA) Tj ET Q q 0 0 0 rg BT 235.68 437.10 Td ( FOR ) Tj ET Q q 0 0 0 rg BT 259.96 437.10 Td (THE ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (BENEFIT) Tj ET Q q 0 0 0 rg BT 76.93 425.10 Td ( OF ) Tj ET Q q 0 0 0 rg BT 94.53 425.10 Td (VICT) Tj ET Q q 0 0 0 rg BT 117.68 425.10 Td (ORIA) Tj ET Q q 0 0 0 rg BT 141.57 425.10 Td ( SHAEV) Tj ET Q q 0 0 0 rg BT 177.23 425.10 Td ( ) Tj ET Q q 0 0 0 rg BT 179.54 425.10 Td (V) Tj ET Q q 0 0 0 rg BT 185.48 425.10 Td (. CITIGROUP) Tj ET Q q 0 0 0 rg BT 243.44 425.10 Td ( INC. ) Tj ET Q q 0 0 0 rg BT 270.48 425.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (complaint was filed by a putative stockholder in New ) Tj ET Q q 0 0 0 rg BT 251.96 413.10 Td (Y) Tj ET Q q 0 0 0 rg BT 258.18 413.10 Td (ork ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (Supreme Court seeking to inspect Citigroup) Tj ET Q q 0 0 0 rg BT 214.59 401.10 Td (s books and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (records pursuant to Section 220 of Chapter 8 of the Delaware ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (Corporations Law with regard to various matters, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 77.11 365.10 Td (s participation and activity in foreign exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (markets. On January 26, 2016, the court granted Citigroup) Tj ET Q q 0 0 0 rg BT 274.84 353.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.10 Td (motion to dismiss the complaint. ) Tj ET Q q 0 0 0 rg BT 171.28 341.10 Td (Additional information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (concerning this action is publicly available in court filings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (under the docket number 652339/2015 \(N.Y) Tj ET Q q 0 0 0 rg BT 212.45 317.10 Td (. Sup. Ct.\). ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (Interbank Offer) Tj ET Q q 0 0 0 rg BT 104.98 293.10 Td (ed Rates-Related Litigation and Other) Tj ET Q q 0 0 0 rg BT 268.68 293.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (Matters) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 82.75 269.10 Td (Actions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.75 269.10 Td (: ) Tj ET Q q 0 0 0 rg BT 117.85 269.10 Td (The CFTC and a consortium of state ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (attorneys general, as well as government and regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (agencies in other jurisdictions, are conducting investigations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (or making inquiries regarding submissions made by panel ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (banks to bodies that publish various interbank of) Tj ET Q q 0 0 0 rg BT 230.51 221.10 Td (fered rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (and other benchmark rates. ) Tj ET Q q 0 0 0 rg BT 146.23 209.10 Td (As members of a number of such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (panels, Citigroup subsidiaries have received requests for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (information and) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 100.15 185.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.65 185.10 Td (documents. Citigroup is cooperating with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (investigations and inquiries and is responding to the requests.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 161.10 Td (Antitrust and Other Litigation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.29 161.10 Td (: Citigroup and Citibank, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (along with other U.S. Dollar \(USD\) LIBOR panel banks, are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (defendants in a multi-district litigation \(MDL\) proceeding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.10 Td (before the United States District Court for the Southern ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (District of New ) Tj ET Q q 0 0 0 rg BT 100.34 113.10 Td (Y) Tj ET Q q 0 0 0 rg BT 106.56 113.10 Td (ork captioned IN RE LIBOR-BASED ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (FINANCIAL) Tj ET Q q 0 0 0 rg BT 89.52 101.10 Td ( INSTRUMENTS ) Tj ET Q q 0 0 0 rg BT 163.97 101.10 Td (ANTITRUST) Tj ET Q q 0 0 0 rg BT 219.34 101.10 Td ( LITIGA) Tj ET Q q 0 0 0 rg BT 254.05 101.10 Td (TION ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (\(the LIBOR MDL\). Consolidated amended complaints were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (filed on behalf of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.64 77.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.64 77.10 Td ( separate putative classes of plaintif) Tj ET Q q 0 0 0 rg BT 264.91 77.10 Td (fs: \(i\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (over) Tj ET Q q 0 0 0 rg BT 53.57 65.10 Td (-the-counter \(OTC\) purchasers of derivative instruments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (tied to USD LIBOR; and \(ii\) purchasers of exchange-traded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (derivative instruments tied to USD LIBOR. Each of these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (putative classes alleges that the panel bank defendants ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (conspired to suppress USD LIBOR: \(i\) OTC purchasers assert ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (claims under the Sherman ) Tj ET Q q 0 0 0 rg BT 430.08 713.10 Td (Act and for unjust enrichment and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (breach of the implied covenant of good faith and fair dealing; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (and \(ii\) purchasers of exchange-traded derivative instruments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (assert claims under the Commodity Exchange ) Tj ET Q q 0 0 0 rg BT 509.51 677.10 Td (Act and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (Sherman ) Tj ET Q q 0 0 0 rg BT 361.50 665.10 Td (Act and for unjust enrichment. Individual actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (commenced by various Charles Schwab entities also were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (consolidated into the LIBOR MDL. ) Tj ET Q q 0 0 0 rg BT 471.86 641.10 Td (The plaintif) Tj ET Q q 0 0 0 rg BT 518.60 641.10 Td (fs seek ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (compensatory damages and restitution for losses caused by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (alleged violations, as well as treble damages under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (Sherman ) Tj ET Q q 0 0 0 rg BT 361.50 605.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 380.75 605.10 Td (The Schwab and OTC plaintif) Tj ET Q q 0 0 0 rg BT 501.10 605.10 Td (fs also seek ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (injunctive relief.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 581.10 Td (Additional actions have been consolidated in the LIBOR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (MDL) Tj ET Q q 0 0 0 rg BT 345.85 569.10 Td ( proceeding, including \(i\) lawsuits filed by) Tj ET Q q 0 0 0 rg BT 515.44 569.10 Td (, or on behalf ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (of putative classes of, community and other banks, savings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (and loans institutions, credit unions, municipalities and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (purchasers and holders of LIBOR-linked financial products; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (and \(ii\) lawsuits filed by putative classes of lenders and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (adjustable rate mortgage borrowers. ) Tj ET Q q 0 0 0 rg BT 470.15 509.10 Td (The plaintif) Tj ET Q q 0 0 0 rg BT 516.90 509.10 Td (fs allege that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (defendant panel banks artificially suppressed USD LIBOR in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (violation of applicable law and seek compensatory and other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (damages.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 461.10 Td (Additional information relating to these actions is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (publicly available in court filings under the following docket ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (numbers: 12 Civ) Tj ET Q q 0 0 0 rg BT 390.02 437.10 Td (. 4205; 12 Civ) Tj ET Q q 0 0 0 rg BT 446.59 437.10 Td (. 5723; 12 Civ) Tj ET Q q 0 0 0 rg BT 503.17 437.10 Td (. 5822; 12 Civ) Tj ET Q q 0 0 0 rg BT 559.75 437.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (6056; 12 Civ) Tj ET Q q 0 0 0 rg BT 378.08 425.10 Td (. 6693; 12 Civ) Tj ET Q q 0 0 0 rg BT 434.65 425.10 Td (. 7461; 13 Civ) Tj ET Q q 0 0 0 rg BT 491.23 425.10 Td (. 346; 13 Civ) Tj ET Q q 0 0 0 rg BT 542.81 425.10 Td (. 407; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (13 Civ) Tj ET Q q 0 0 0 rg BT 350.30 413.10 Td (. 1016, 13 Civ) Tj ET Q q 0 0 0 rg BT 406.60 413.10 Td (. 1456, 13 Civ) Tj ET Q q 0 0 0 rg BT 462.90 413.10 Td (. 1700, 13 Civ) Tj ET Q q 0 0 0 rg BT 519.20 413.10 Td (. 2262, 13 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (Civ) Tj ET Q q 0 0 0 rg BT 337.80 401.10 Td (. 2297; 13 Civ) Tj ET Q q 0 0 0 rg BT 394.38 401.10 Td (. 4018; 13 Civ) Tj ET Q q 0 0 0 rg BT 450.95 401.10 Td (. 7720; 14 Civ) Tj ET Q q 0 0 0 rg BT 507.53 401.10 Td (. 146 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 566.80 401.10 Td (.\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (\(Buchwald, J.\); 12 Civ) Tj ET Q q 0 0 0 rg BT 414.18 389.10 Td (. 6294 \(E.D.N.Y) Tj ET Q q 0 0 0 rg BT 478.99 389.10 Td (.\) \(Seybert, J.\); 12 Civ) Tj ET Q q 0 0 0 rg BT 567.50 389.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (6571 \(N.D. Cal.\) \(Conti, J.\); 12 Civ) Tj ET Q q 0 0 0 rg BT 465.85 377.10 Td (. 10903 \(C.D. Cal.\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (\(Snyder) Tj ET Q q 0 0 0 rg BT 355.26 365.10 Td (, J.\); 13 Civ) Tj ET Q q 0 0 0 rg BT 401.56 365.10 Td (. 48 \(S.D. Cal.\) \(Sammartino, J.\); 13 Civ) Tj ET Q q 0 0 0 rg BT 563.40 365.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (62 \(C.D. Cal.\) \(Phillips, J.\); 13 Civ) Tj ET Q q 0 0 0 rg BT 463.63 353.10 Td (. 106 \(N.D. Cal.\) \(Beller) Tj ET Q q 0 0 0 rg BT 560.99 353.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (J.\); 13 Civ) Tj ET Q q 0 0 0 rg BT 365.30 341.10 Td (. 108 \(N.D. Cal.\) \(R) Tj ET Q q 0 0 0 rg BT 444.89 341.10 Td (yu, J.\); 13 Civ) Tj ET Q q 0 0 0 rg BT 501.19 341.10 Td (. 109 \(N.D. Cal.\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (\(Laporte, J.\); 13 Civ) Tj ET Q q 0 0 0 rg BT 404.72 329.10 Td (. 122 \(C.D. Cal.\) \(Bernal, J.\); 13 Civ) Tj ET Q q 0 0 0 rg BT 550.45 329.10 Td (. 334, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (13 Civ) Tj ET Q q 0 0 0 rg BT 350.30 317.10 Td (. 335 \(S.D. Iowa\) \(Pratt, J.\); 13 Civ) Tj ET Q q 0 0 0 rg BT 490.75 317.10 Td (. 342 \(E.D. ) Tj ET Q q 0 0 0 rg BT 537.23 317.10 Td (V) Tj ET Q q 0 0 0 rg BT 543.34 317.10 Td (a.\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (\(Brinkema, J.\); 13 Civ) Tj ET Q q 0 0 0 rg BT 413.06 305.10 Td (. 1466 \(S.D. Cal.\) \(Lorenz, J.\); 13 Civ) Tj ET Q q 0 0 0 rg BT 564.34 305.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (1476 \(E.D. Cal.\)\(Mueller) Tj ET Q q 0 0 0 rg BT 427.46 293.10 Td (, J.\); 13 Civ) Tj ET Q q 0 0 0 rg BT 473.76 293.10 Td (. 2149 \(S.D. ) Tj ET Q q 0 0 0 rg BT 524.69 293.10 Td (T) Tj ET Q q 0 0 0 rg BT 530.10 293.10 Td (ex.\) \(Hoyt, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (J.\); 13 Civ) Tj ET Q q 0 0 0 rg BT 365.30 281.10 Td (. 2244 \(N.D. Cal.\) \(Hamilton, J.\); 13 Civ) Tj ET Q q 0 0 0 rg BT 527.69 281.10 Td (. 2921 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (\(N.D. Cal.\) \(Chesney) Tj ET Q q 0 0 0 rg BT 408.61 269.10 Td (, J.\); 13 Civ) Tj ET Q q 0 0 0 rg BT 454.91 269.10 Td (. 2979 \(N.D. Cal.\) \(T) Tj ET Q q 0 0 0 rg BT 538.99 269.10 Td (igar) Tj ET Q q 0 0 0 rg BT 554.13 269.10 Td (, J.\); ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (13 Civ) Tj ET Q q 0 0 0 rg BT 350.30 257.10 Td (. 4352 \(E.D. Pa.\) \(Restrepo, J.\); 13 Civ) Tj ET Q q 0 0 0 rg BT 507.96 257.10 Td (. 5278 \(N.D. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (Cal.\) \(V) Tj ET Q q 0 0 0 rg BT 355.66 245.10 Td (adas, J.\); 15 Civ) Tj ET Q q 0 0 0 rg BT 419.73 245.10 Td (. 1334 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 484.00 245.10 Td (.\) \(Buchwald, J.\); and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (15 Civ) Tj ET Q q 0 0 0 rg BT 350.30 233.10 Td (. 2973 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 414.57 233.10 Td (.\) \(Buchwald, J.\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 221.10 Td (On ) Tj ET Q q 0 0 0 rg BT 356.17 221.10 Td (August 4, 2015, the court in IN RE LIBOR-BASED ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (FINANCIAL) Tj ET Q q 0 0 0 rg BT 377.52 209.10 Td ( INSTRUMENTS ) Tj ET Q q 0 0 0 rg BT 451.97 209.10 Td (ANTITRUST) Tj ET Q q 0 0 0 rg BT 507.34 209.10 Td ( LITIGA) Tj ET Q q 0 0 0 rg BT 542.05 209.10 Td (TION ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (granted in part defendants) Tj ET Q q 0 0 0 rg BT 430.71 197.10 Td ( motions to dismiss various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (individual actions that were previously stayed, dismissing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (plaintif) Tj ET Q q 0 0 0 rg BT 352.70 173.10 Td (fs) Tj ET Q q 0 0 0 rg BT 362.51 173.10 Td ( antitrust claims for failure to state a claim, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (holding that plaintif) Tj ET Q q 0 0 0 rg BT 403.25 161.10 Td (fs cannot pursue certain other claims based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (on lack of personal jurisdiction or the operation of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (applicable statute of limitations. ) Tj ET Q q 0 0 0 rg BT 457.12 137.10 Td (The court allowed certain of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (plaintif) Tj ET Q q 0 0 0 rg BT 352.70 125.10 Td (fs) Tj ET Q q 0 0 0 rg BT 362.51 125.10 Td ( claims for common law fraud, breach of contract, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (unjust enrichment and tortious interference to proceed. On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (October 8, 2015, the City of Philadelphia and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (Pennsylvania Inter) Tj ET Q q 0 0 0 rg BT 398.52 89.10 Td (governmental Cooperation ) Tj ET Q q 0 0 0 rg BT 507.38 89.10 Td (Authority ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (amended their complaint in response to the court) Tj ET Q q 0 0 0 rg BT 522.00 77.10 Td (s ) Tj ET Q q 0 0 0 rg BT 527.84 77.10 Td (August 4, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (2015 decision. ) Tj ET Q q 0 0 0 rg BT 386.77 65.10 Td (Additional information concerning these ) Tj ET Q endstream endobj 593 0 obj <> endobj 594 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (294) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (actions is publicly available in court filings under the docket ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (number 1) Tj ET Q q 0 0 0 rg BT 73.68 737.10 Td (1 MD 2262 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 159.06 737.10 Td (.\) \(Buchwald, J.\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 725.10 Td (On June 30, 2014, the United States Supreme Court ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (granted a petition for a writ of certiorari in GELBOIM, ET) Tj ET Q q 0 0 0 rg BT 271.02 713.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (AL. v) Tj ET Q q 0 0 0 rg BT 58.68 701.10 Td (. BANK OF ) Tj ET Q q 0 0 0 rg BT 109.25 701.10 Td (AMERICA) Tj ET Q q 0 0 0 rg BT 154.81 701.10 Td ( CORP) Tj ET Q q 0 0 0 rg BT 182.32 701.10 Td (., ET) Tj ET Q q 0 0 0 rg BT 201.86 701.10 Td ( ) Tj ET Q q 0 0 0 rg BT 203.81 701.10 Td (AL. with respect to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (the dismissal by the United States Court of ) Tj ET Q q 0 0 0 rg BT 209.32 689.10 Td (Appeals for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (Second Circuit of an appeal by the plaintif) Tj ET Q q 0 0 0 rg BT 205.49 677.10 Td (f class of indirect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (OTC purchasers of U.S. debt securities. On January 21, 2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (the Supreme Court ruled that, contrary to the Second Circuit) Tj ET Q q 0 0 0 rg BT 280.38 653.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (opinion, the plaintif) Tj ET Q q 0 0 0 rg BT 114.97 641.10 Td (fs had a right to appeal, and remanded the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (case to the Second Circuit for consideration of the plaintif) Tj ET Q q 0 0 0 rg BT 267.69 629.10 Td (fs) Tj ET Q q 0 0 0 rg BT 277.50 629.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (appeal on the merits. ) Tj ET Q q 0 0 0 rg BT 124.13 617.10 Td (The Second Circuit heard oral ar) Tj ET Q q 0 0 0 rg BT 254.73 617.10 Td (gument ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (on November 13, 2015. ) Tj ET Q q 0 0 0 rg BT 135.16 605.10 Td (Additional information concerning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (this appeal is publicly available in court filings under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (docket numbers 13-3565 \(2d Cir) Tj ET Q q 0 0 0 rg BT 165.98 581.10 Td (.\), 13-3636 \(2d Cir) Tj ET Q q 0 0 0 rg BT 240.70 581.10 Td (.\), and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (13-1) Tj ET Q q 0 0 0 rg BT 53.96 569.10 Td (174 \(U.S.\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 557.10 Td (Citigroup and Citibank, along with other USD LIBOR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (panel banks, also are named as defendants in an individual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (action filed in the United States District Court for the Southern ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (District of New ) Tj ET Q q 0 0 0 rg BT 100.34 521.10 Td (Y) Tj ET Q q 0 0 0 rg BT 106.56 521.10 Td (ork on February 13, 2013, captioned 7 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (WEST) Tj ET Q q 0 0 0 rg BT 63.04 509.10 Td ( 57) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 75.54 513.63 Td (th) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.59 509.10 Td ( STREET) Tj ET Q q 0 0 0 rg BT 119.58 509.10 Td ( REAL) Tj ET Q q 0 0 0 rg BT 147.27 509.10 Td (TY) Tj ET Q q 0 0 0 rg BT 160.23 509.10 Td ( CO. v) Tj ET Q q 0 0 0 rg BT 185.97 509.10 Td (. CITIGROUP) Tj ET Q q 0 0 0 rg BT 243.19 509.10 Td (, INC., ET) Tj ET Q q 0 0 0 rg BT 284.95 509.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (AL. ) Tj ET Q q 0 0 0 rg BT 56.65 497.10 Td (The plaintif) Tj ET Q q 0 0 0 rg BT 103.40 497.10 Td (f alleges that the defendant panel banks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (manipulated USD LIBOR to keep it artificially high and that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (this manipulation af) Tj ET Q q 0 0 0 rg BT 115.80 473.10 Td (fected the value of plaintif) Tj ET Q q 0 0 0 rg BT 221.13 473.10 Td (fs) Tj ET Q q 0 0 0 rg BT 230.94 473.10 Td ( OTC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (municipal bond portfolio in violation of federal and state ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (antitrust laws and federal RICO law) Tj ET Q q 0 0 0 rg BT 179.48 449.10 Td (. ) Tj ET Q q 0 0 0 rg BT 184.30 449.10 Td (The plaintif) Tj ET Q q 0 0 0 rg BT 231.04 449.10 Td (f seeks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (compensatory damages, treble damages where authorized by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (statute, and declaratory relief. On March 31, 2015, the United ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (States District Court for the Southern District of New ) Tj ET Q q 0 0 0 rg BT 251.98 413.10 Td (Y) Tj ET Q q 0 0 0 rg BT 258.20 413.10 Td (ork ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (dismissed this action. On June 1, 2015, the plaintif) Tj ET Q q 0 0 0 rg BT 240.80 401.10 Td (f moved ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.10 Td (for leave to file a second amended complaint. ) Tj ET Q q 0 0 0 rg BT 222.60 389.10 Td (Additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.10 Td (information concerning this action is publicly available in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.10 Td (court filings under the docket number 13 Civ) Tj ET Q q 0 0 0 rg BT 215.59 365.10 Td (. 981 \(Gardephe, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.10 Td (J.\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 341.10 Td (On May 2, 2014, plaintif) Tj ET Q q 0 0 0 rg BT 153.25 341.10 Td (fs in the class action SULLIV) Tj ET Q q 0 0 0 rg BT 271.10 341.10 Td (AN ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (v) Tj ET Q q 0 0 0 rg BT 40.35 329.10 Td (. BARCLA) Tj ET Q q 0 0 0 rg BT 84.99 329.10 Td (YS PLC, ET) Tj ET Q q 0 0 0 rg BT 135.65 329.10 Td ( ) Tj ET Q q 0 0 0 rg BT 137.60 329.10 Td (AL. pending in the United States ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (District Court for the Southern District of New ) Tj ET Q q 0 0 0 rg BT 225.59 317.10 Td (Y) Tj ET Q q 0 0 0 rg BT 231.82 317.10 Td (ork filed a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (second amended complaint naming Citigroup and Citibank, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (N.A. as defendants. Plaintif) Tj ET Q q 0 0 0 rg BT 148.85 293.10 Td (fs claim to have suf) Tj ET Q q 0 0 0 rg BT 226.98 293.10 Td (fered losses as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (a result of purported EURIBOR manipulation and assert ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (claims under the Commodity Exchange ) Tj ET Q q 0 0 0 rg BT 196.24 269.10 Td (Act, the Sherman ) Tj ET Q q 0 0 0 rg BT 267.89 269.10 Td (Act ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (and the federal RICO law) Tj ET Q q 0 0 0 rg BT 138.09 257.10 Td (, and for unjust enrichment. On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (September 1) Tj ET Q q 0 0 0 rg BT 85.89 245.10 Td (1, 2014, the court granted the U.S. Department of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (Justice) Tj ET Q q 0 0 0 rg BT 66.00 233.10 Td (s motion to stay discovery for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.65 233.10 Td (eight months) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.59 233.10 Td (, until May ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.10 Td (12, 2015. Plaintif) Tj ET Q q 0 0 0 rg BT 107.76 221.10 Td (fs filed a fourth amended complaint on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (August 13, 2015. Defendants filed a motion to dismiss on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (October 14, 2015. ) Tj ET Q q 0 0 0 rg BT 112.66 197.10 Td (Additional information concerning this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (action is publicly available in court filings under the docket ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (number 13 Civ) Tj ET Q q 0 0 0 rg BT 95.35 173.10 Td (. 281) Tj ET Q q 0 0 0 rg BT 114.97 173.10 Td (1 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 159.24 173.10 Td (.\) \(Castel, J.\).) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 345.48 749.25 Td (change Fees Litigation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (Beginning in 2005, several putative class actions were filed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (against Citigroup and Related Parties, together with ) Tj ET Q q 0 0 0 rg BT 533.22 725.25 Td (V) Tj ET Q q 0 0 0 rg BT 539.84 725.25 Td (isa, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (MasterCard and other banks and their af) Tj ET Q q 0 0 0 rg BT 484.87 713.25 Td (filiates, in various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (federal district courts and consolidated with other related cases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (in a multi-district litigation proceeding before Judge Gleeson ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (in the United States District Court for the Eastern District of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (New ) Tj ET Q q 0 0 0 rg BT 345.01 665.25 Td (Y) Tj ET Q q 0 0 0 rg BT 351.23 665.25 Td (ork \(Interchange MDL\). ) Tj ET Q q 0 0 0 rg BT 450.46 665.25 Td (This proceeding is captioned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (IN RE P) Tj ET Q q 0 0 0 rg BT 356.97 653.25 Td (A) Tj ET Q q 0 0 0 rg BT 363.28 653.25 Td (YMENT) Tj ET Q q 0 0 0 rg BT 398.65 653.25 Td ( CARD INTERCHANGE FEE ) Tj ET Q q 0 0 0 rg BT 524.76 653.25 Td (AND ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 Td (MERCHANT) Tj ET Q q 0 0 0 rg BT 379.93 641.25 Td ( DISCOUNT) Tj ET Q q 0 0 0 rg BT 432.81 641.25 Td ( ) Tj ET Q q 0 0 0 rg BT 434.76 641.25 Td (ANTITRUST) Tj ET Q q 0 0 0 rg BT 490.13 641.25 Td ( LITIGA) Tj ET Q q 0 0 0 rg BT 524.84 641.25 Td (TION.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 629.25 Td (The plaintif) Tj ET Q q 0 0 0 rg BT 388.75 629.25 Td (fs, merchants that accept ) Tj ET Q q 0 0 0 rg BT 489.91 629.25 Td (V) Tj ET Q q 0 0 0 rg BT 496.53 629.25 Td (isa- and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 Td (MasterCard-branded payment cards as well as membership ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.25 Td (associations that claim to represent certain groups of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.25 Td (merchants, allege, among other things, that defendants have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.25 Td (engaged in conspiracies to set the price of interchange and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.25 Td (merchant discount fees on credit and debit card transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.25 Td (and to restrain trade through various ) Tj ET Q q 0 0 0 rg BT 471.55 557.25 Td (V) Tj ET Q q 0 0 0 rg BT 478.17 557.25 Td (isa and MasterCard ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.25 Td (rules governing merchant conduct, all in violation of Section 1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.25 Td (of the Sherman ) Tj ET Q q 0 0 0 rg BT 387.04 533.25 Td (Act and certain California statutes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.25 Td (Supplemental complaints also have been filed against ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 Td (defendants in the putative class actions alleging that ) Tj ET Q q 0 0 0 rg BT 534.31 509.25 Td (V) Tj ET Q q 0 0 0 rg BT 540.93 509.25 Td (isa) Tj ET Q q 0 0 0 rg BT 554.82 509.25 Td (s and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.25 Td (MasterCard) Tj ET Q q 0 0 0 rg BT 373.99 497.25 Td (s respective initial public of) Tj ET Q q 0 0 0 rg BT 484.88 497.25 Td (ferings were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.25 Td (anticompetitive and violated Section 7 of the Clayton ) Tj ET Q q 0 0 0 rg BT 539.51 485.25 Td (Act, and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.25 Td (that MasterCard) Tj ET Q q 0 0 0 rg BT 391.48 473.25 Td (s initial public of) Tj ET Q q 0 0 0 rg BT 459.35 473.25 Td (fering constituted a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.25 Td (fraudulent conveyance.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 449.25 Td (On January 14, 2014, the court entered a final judgment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.25 Td (approving the terms of a class settlement providing for) Tj ET Q q 0 0 0 rg BT 542.43 437.25 Td (, among ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.25 Td (other things, a total payment to the class of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.40 425.25 Td ($6.05 billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.52 425.25 Td (; a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.25 Td (rebate to merchants participating in the damages class ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.25 Td (settlement of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.43 401.25 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.43 401.25 Td ( basis points on interchange collected for a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.25 Td (period of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.88 389.25 Td (eight months) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.82 389.25 Td ( by the ) Tj ET Q q 0 0 0 rg BT 444.36 389.25 Td (V) Tj ET Q q 0 0 0 rg BT 450.98 389.25 Td (isa and MasterCard networks; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.25 Td (and changes to certain network rules. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 365.25 Td (On July 28, 2015, various objectors to the class settlement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.25 Td (filed motions in the U.S. District Court to vacate the court) Tj ET Q q 0 0 0 rg BT 558.96 353.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.25 Td (prior approval of the class settlement, alleging improprieties ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.50 329.25 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.50 329.25 Td ( of the lawyers involved in the Interchange MDL. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.25 Td (V) Tj ET Q q 0 0 0 rg BT 330.11 317.25 Td (arious objectors appealed from the final class settlement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.25 Td (approval order with the United States Court of ) Tj ET Q q 0 0 0 rg BT 511.74 305.25 Td (Appeals for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.25 Td (Second Circuit, which heard oral ar) Tj ET Q q 0 0 0 rg BT 465.99 293.25 Td (gument regarding the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.25 Td (appeals on September 28, 2015. ) Tj ET Q q 0 0 0 rg BT 456.20 281.25 Td (Additional information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.25 Td (concerning these consolidated actions is publicly available in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.25 Td (court filings under the docket number MDL) Tj ET Q q 0 0 0 rg BT 499.14 257.25 Td ( 05-1720 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.25 Td (\(E.D.N.Y) Tj ET Q q 0 0 0 rg BT 361.31 245.25 Td (.\) \(Brodie, J.\) and 12-4671 \(2d Cir) Tj ET Q q 0 0 0 rg BT 498.24 245.25 Td (.\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 233.25 Td (Numerous merchants, including lar) Tj ET Q q 0 0 0 rg BT 482.89 233.25 Td (ge national merchants, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.25 Td (have requested exclusion from the class settlements, and some ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 209.25 Td (of those opting out have filed complaints against ) Tj ET Q q 0 0 0 rg BT 521.00 209.25 Td (V) Tj ET Q q 0 0 0 rg BT 527.62 209.25 Td (isa, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.25 Td (MasterCard, and in some instances one or more issuing banks. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.25 Td (One of these suits, 7-ELEVEN, INC., ET) Tj ET Q q 0 0 0 rg BT 489.34 185.25 Td ( ) Tj ET Q q 0 0 0 rg BT 491.29 185.25 Td (AL. v) Tj ET Q q 0 0 0 rg BT 513.97 185.25 Td (. ) Tj ET Q q 0 0 0 rg BT 518.79 185.25 Td (VISA) Tj ET Q q 0 0 0 rg BT 541.57 185.25 Td ( INC., ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.25 Td (ET) Tj ET Q q 0 0 0 rg BT 336.04 173.25 Td ( ) Tj ET Q q 0 0 0 rg BT 337.98 173.25 Td (AL., brought on behalf of numerous individual merchants, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.25 Td (names Citigroup as a defendant. On December 5, 2014, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.25 Td (Interchange MDL, including the opt-out cases, was transferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.25 Td (from Judge Gleeson to Judge Brodie. ) Tj ET Q q 0 0 0 rg BT 477.31 137.25 Td (Additional information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.25 Td (concerning these actions is publicly available in court filings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.25 Td (under the docket numbers MDL) Tj ET Q q 0 0 0 rg BT 451.93 113.25 Td ( 05-1720 \(E.D.N.Y) Tj ET Q q 0 0 0 rg BT 527.57 113.25 Td (.\) \(Brodie, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.25 Td (J.\).) Tj ET Q endstream endobj 595 0 obj <> endobj 596 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (295) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (ISDAFIX-Related Litigation and Other) Tj ET Q q 0 0 0 rg BT 204.43 749.25 Td ( Matters) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 82.75 737.25 Td (Actions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.75 737.25 Td (: Government and regulatory agencies in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (the U.S., including the CFTC, are conducting investigations or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (making inquiries concerning submissions for the global ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (benchmark for fixed interest rate swaps \(ISDAFIX\) and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (trading in products that reference ISDAFIX. Citigroup is fully ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (cooperating with these and related investigations and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (inquiries.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 653.25 Td (Antitrust and Other Litigation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.29 653.25 Td (. Beginning in September ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (2014, various plaintif) Tj ET Q q 0 0 0 rg BT 121.64 641.25 Td (fs filed putative class action complaints ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (in the United States District Court for the Southern District of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (New ) Tj ET Q q 0 0 0 rg BT 57.01 617.25 Td (Y) Tj ET Q q 0 0 0 rg BT 63.23 617.25 Td (ork against Citigroup and other U.S. dollar \(USD\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (ISDAFIX panel banks, which are proceeding on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (consolidated basis. On February 12, 2015, plaintif) Tj ET Q q 0 0 0 rg BT 238.56 593.25 Td (fs filed an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.25 Td (amended complaint alleging that the defendants colluded to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (manipulate ISDAFIX, thereby causing the putative class to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.25 Td (suf) Tj ET Q q 0 0 0 rg BT 48.04 557.25 Td (fer losses in connection with USD interest rate derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.25 Td (purchased from the defendants. Plaintif) Tj ET Q q 0 0 0 rg BT 195.77 545.25 Td (fs assert federal and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.25 Td (various common law claims and seek compensatory damages, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.25 Td (treble damages where authorized by statute, restitution and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.25 Td (declaratory and injunctive relief. On ) Tj ET Q q 0 0 0 rg BT 185.66 509.25 Td (April 13, 2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.25 Td (defendants filed a motion to dismiss the claims in plaintif) Tj ET Q q 0 0 0 rg BT 265.50 497.25 Td (fs) Tj ET Q q 0 0 0 rg BT 275.31 497.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.25 Td (amended consolidated complaint. ) Tj ET Q q 0 0 0 rg BT 174.57 485.25 Td (Additional information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.25 Td (concerning these actions is publicly available in court filings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.25 Td (under the consolidated lead docket number 14 Civ) Tj ET Q q 0 0 0 rg BT 236.68 461.25 Td (. 7126 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.25 Td (\(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 72.77 449.25 Td (.\) \(Furman, J.\).) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 425.25 Td (Money Laundering Inquiries) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 413.25 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 82.75 413.25 Td (Actions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.75 413.25 Td (: Citigroup and Related Parties, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.25 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 77.11 401.25 Td (s indirect, wholly owned subsidiary Banamex USA) Tj ET Q q 0 0 0 rg BT 281.81 401.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 389.25 Td (\(BUSA\), a California state-chartered bank, have received ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 377.25 Td (grand jury subpoenas issued by the United States ) Tj ET Q q 0 0 0 rg BT 234.31 377.25 Td (Attorney) Tj ET Q q 0 0 0 rg BT 272.63 377.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 365.25 Td (Of) Tj ET Q q 0 0 0 rg BT 46.37 365.25 Td (fice for the District of Massachusetts concerning, among ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 353.25 Td (other issues, policies, procedures and activities related to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 341.25 Td (BUSA, Citibank and related parties) Tj ET Q q 0 0 0 rg BT 180.50 341.25 Td ( compliance with Bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 329.25 Td (Secrecy ) Tj ET Q q 0 0 0 rg BT 69.59 329.25 Td (Act \(BSA\) and anti-money laundering \(AML\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.25 Td (requirements under applicable federal laws and banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.25 Td (regulations. Citigroup and BUSA) Tj ET Q q 0 0 0 rg BT 169.33 305.25 Td ( also have received inquiries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.25 Td (and requests for information from other regulators, including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.25 Td (the Financial Crimes Enforcement Network, concerning BSA- ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.25 Td (and ) Tj ET Q q 0 0 0 rg BT 52.39 269.25 Td (AML-related issues. Citigroup is cooperating fully with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.25 Td (these inquiries.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 245.25 Td (Citibank has received a subpoena from the United States ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.25 Td (Attorney for the Eastern District of New ) Tj ET Q q 0 0 0 rg BT 199.75 233.25 Td (Y) Tj ET Q q 0 0 0 rg BT 205.97 233.25 Td (ork in connection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 221.25 Td (with its investigation of alleged bribery) Tj ET Q q 0 0 0 rg BT 192.82 221.25 Td (, corruption and money ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 209.25 Td (laundering associated with the Federation Internationale de ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 197.25 Td (Football ) Tj ET Q q 0 0 0 rg BT 71.28 197.25 Td (Association \(FIF) Tj ET Q q 0 0 0 rg BT 138.04 197.25 Td (A\), and the potential involvement of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.25 Td (financial institutions in that activity) Tj ET Q q 0 0 0 rg BT 177.55 185.25 Td (. ) Tj ET Q q 0 0 0 rg BT 184.87 185.25 Td (The subpoena requests ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.25 Td (information relating to, among other things, banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.25 Td (relationships and transactions at Citibank and its af) Tj ET Q q 0 0 0 rg BT 239.94 161.25 Td (filiates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.25 Td (associated with certain individuals and entities identified as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.25 Td (having had involvement with the alleged corrupt conduct. Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 125.25 Td (is cooperating with the authorities in this matter) Tj ET Q q 0 0 0 rg BT 226.80 125.25 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 113.25 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 98.52 113.25 Td (Actions and Related Pr) Tj ET Q q 0 0 0 rg BT 191.19 113.25 Td (oceedings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.17 113.25 Td (: On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.25 Td (September 22, 2015, a derivative action captioned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.25 Td (FIREMANS RETIREMENT) Tj ET Q q 0 0 0 rg BT 155.54 89.25 Td ( SYSTEM OF ST) Tj ET Q q 0 0 0 rg BT 226.21 89.25 Td (. LOUIS, ET) Tj ET Q q 0 0 0 rg BT 277.68 89.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.25 Td (AL. v) Tj ET Q q 0 0 0 rg BT 58.68 77.25 Td (. CORBA) Tj ET Q q 0 0 0 rg BT 97.03 77.25 Td (T) Tj ET Q q 0 0 0 rg BT 102.39 77.25 Td (, ET) Tj ET Q q 0 0 0 rg BT 119.43 77.25 Td ( ) Tj ET Q q 0 0 0 rg BT 121.38 77.25 Td (AL. was filed in the United States ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.25 Td (District Court for the Southern District of New ) Tj ET Q q 0 0 0 rg BT 225.59 65.25 Td (Y) Tj ET Q q 0 0 0 rg BT 231.82 65.25 Td (ork on behalf ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.25 Td (of Citigroup \(as nominal defendant\) against certain of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 365.11 749.10 Td (s and certain of its af) Tj ET Q q 0 0 0 rg BT 448.51 749.10 Td (filiates) Tj ET Q q 0 0 0 rg BT 478.31 749.10 Td ( present and former ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (directors and of) Tj ET Q q 0 0 0 rg BT 386.57 737.10 Td (ficers. ) Tj ET Q q 0 0 0 rg BT 416.10 737.10 Td (The plaintif) Tj ET Q q 0 0 0 rg BT 462.85 737.10 Td (fs asserted claims ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (derivatively for violation of Section 14\(a\) of the Securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 365.37 713.10 Td (Act of 1934, breach of fiduciary duty) Tj ET Q q 0 0 0 rg BT 513.84 713.10 Td (, waste of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (corporate assets, and unjust enrichment in connection with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (defendants) Tj ET Q q 0 0 0 rg BT 369.90 689.10 Td ( alleged failure to exercise appropriate oversight ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (and management of BSA) Tj ET Q q 0 0 0 rg BT 424.26 677.10 Td ( and ) Tj ET Q q 0 0 0 rg BT 443.15 677.10 Td (AML) Tj ET Q q 0 0 0 rg BT 465.00 677.10 Td ( laws and regulations and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (related consent decrees concerning Citigroup) Tj ET Q q 0 0 0 rg BT 507.26 665.10 Td (s subsidiaries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (Banco Nacional de Mexico, or Banamex, and BUSA. On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (December 14, 2015, plaintif) Tj ET Q q 0 0 0 rg BT 436.29 641.10 Td (fs, with the permission of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (court, filed an amended complaint naming additional present ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (and former directors and of) Tj ET Q q 0 0 0 rg BT 433.22 617.10 Td (ficers of Citigroup af) Tj ET Q q 0 0 0 rg BT 517.18 617.10 Td (filiates as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (defendants. Defendants) Tj ET Q q 0 0 0 rg BT 422.94 605.10 Td ( motion to dismiss the amended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (complaint was filed on January 22, 2016. ) Tj ET Q q 0 0 0 rg BT 493.41 593.10 Td (Additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (information concerning this action is publicly available in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (court filings under the docket number 15 Civ) Tj ET Q q 0 0 0 rg BT 503.59 569.10 Td (. 7501 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 567.86 569.10 Td (.\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 557.10 Td (\(Furman, J.\).) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (Oceanografia Fraud and Related Matters) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 370.75 521.10 Td (Actions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.75 521.10 Td (: ) Tj ET Q q 0 0 0 rg BT 407.97 521.10 Td (As a result of Citigroup) Tj ET Q q 0 0 0 rg BT 505.19 521.10 Td (s announcement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (in the first quarter of 2014 of a fraud discovered in a Petrleos ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (Mexicanos \(Pemex\) supplier program involving Oceanografa ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (SA) Tj ET Q q 0 0 0 rg BT 336.23 485.10 Td ( de CV) Tj ET Q q 0 0 0 rg BT 364.38 485.10 Td ( \(OSA\), a Mexican oil services company and a key ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.10 Td (supplier to Pemex, the SEC commenced a formal investigation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (and the U.S. Department of Justice requested information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (regarding Banamex) Tj ET Q q 0 0 0 rg BT 405.36 449.10 Td (s dealings with OSA. ) Tj ET Q q 0 0 0 rg BT 495.18 449.10 Td (The SEC inquiry ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (has included requests for documents and witness testimony) Tj ET Q q 0 0 0 rg BT 560.25 437.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (Citi continues to cooperate fully with these inquiries.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 345.00 413.10 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 389.52 413.10 Td (Actions and Related Pr) Tj ET Q q 0 0 0 rg BT 482.19 413.10 Td (oceedings: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.00 413.10 Td (Beginning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (in ) Tj ET Q q 0 0 0 rg BT 333.73 401.10 Td (April 2014, Citigroup has been named as a defendant in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 401.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 574.50 401.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (complaints filed by its stockholders seeking to inspect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 365.11 377.10 Td (s books and records pursuant to Section 220 of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (Chapter 8 of the Delaware Corporations Law with regard to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (various matters, including the OSA) Tj ET Q q 0 0 0 rg BT 464.82 353.10 Td ( fraud. On ) Tj ET Q q 0 0 0 rg BT 510.08 353.10 Td (April 24, 2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (in the action brought by Oklahoma Firefighters Pension & ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (Retirement System, the Court of Chancery issued a decision ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (adopting the Master in Chancery) Tj ET Q q 0 0 0 rg BT 457.85 317.10 Td (s September 30, 2014 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (recommendation granting in part and denying in part ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (plaintif) Tj ET Q q 0 0 0 rg BT 352.70 293.10 Td (f) Tj ET Q q 0 0 0 rg BT 356.58 293.10 Td () Tj ET Q q 0 0 0 rg BT 359.36 293.10 Td (s request to inspect Citigroup) Tj ET Q q 0 0 0 rg BT 479.35 293.10 Td (s books and records. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (On May 5, 2015, Citigroup answered a similar complaint filed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (by Key ) Tj ET Q q 0 0 0 rg BT 355.48 269.10 Td (W) Tj ET Q q 0 0 0 rg BT 364.12 269.10 Td (est Municipal Firefighters & Police Of) Tj ET Q q 0 0 0 rg BT 518.63 269.10 Td (ficers) Tj ET Q q 0 0 0 rg BT 543.42 269.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (Retirement ) Tj ET Q q 0 0 0 rg BT 370.75 257.10 Td (T) Tj ET Q q 0 0 0 rg BT 376.50 257.10 Td (rust Fund. ) Tj ET Q q 0 0 0 rg BT 421.51 257.10 Td (Additional information concerning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (these actions is publicly available in court filings under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (docket numbers C.A. No. 9587-ML) Tj ET Q q 0 0 0 rg BT 466.67 233.10 Td ( \(Del. Ch.\) \(LeGrow) Tj ET Q q 0 0 0 rg BT 547.94 233.10 Td (, M.\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 221.10 Td (and C.A. No. 10468-ML) Tj ET Q q 0 0 0 rg BT 422.51 221.10 Td ( \(Del. Ch.\) \(LeGrow) Tj ET Q q 0 0 0 rg BT 503.78 221.10 Td (, M.\).) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (Parmalat Litigation and Related Matters) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (On July 29, 2004, Dr) Tj ET Q q 0 0 0 rg BT 407.89 185.10 Td (. Enrico Bondi, the Extraordinary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (Commissioner appointed under Italian law to oversee the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (administration of various Parmalat companies, filed a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (complaint in New Jersey state court against Citigroup and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (Related Parties alleging, among other things, that the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (defendants facilitated a number of frauds by Parmalat ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 113.10 Td (insiders. On October 20, 2008, following trial, a jury rendered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (a verdict in Citigroup) Tj ET Q q 0 0 0 rg BT 412.59 101.10 Td (s favor on Parmalat) Tj ET Q q 0 0 0 rg BT 493.40 101.10 Td (s claims and in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (favor of Citibank, N.A. on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.32 89.10 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.30 89.10 Td ( counterclaims. Parmalat has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (exhausted all appeals, and the judgment is now final. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 65.10 Td (Additional information concerning this action is publicly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (available in court filings under the docket number ) Tj ET Q endstream endobj 597 0 obj <> endobj 598 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (296) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (A-2654-08T2 \(N.J. Sup. Ct.\). Following the jury verdict ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (awarding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.71 737.10 Td ($431 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.10 737.10 Td ( in damages on Citigroup) Tj ET Q q 0 0 0 rg BT 230.98 737.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.10 Td (counterclaim, Citigroup has taken steps to enforce that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (judgment in the Italian courts. On ) Tj ET Q q 0 0 0 rg BT 175.42 713.10 Td (August 29, 2014, the Court ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (of ) Tj ET Q q 0 0 0 rg BT 46.28 701.10 Td (Appeal of Bologna af) Tj ET Q q 0 0 0 rg BT 132.46 701.10 Td (firmed the decision in the full amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 46.83 689.10 Td ($431 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.22 689.10 Td (, to be paid in Parmalat shares. Parmalat has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (appealed the judgment to the Italian Supreme Court.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 665.10 Td (Prosecutors in Parma and Milan, Italy) Tj ET Q q 0 0 0 rg BT 204.99 665.10 Td (, brought criminal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.10 Td (proceedings against certain current and former Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (employees \(along with numerous other investment banks and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (certain of their current and former employees, as well as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (former Parmalat of) Tj ET Q q 0 0 0 rg BT 111.90 617.10 Td (ficers and accountants\). On ) Tj ET Q q 0 0 0 rg BT 225.75 617.10 Td (April 18, 201) Tj ET Q q 0 0 0 rg BT 278.98 617.10 Td (1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (the Milan criminal court acquitted the sole Citigroup ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.10 Td (defendant of market-rigging char) Tj ET Q q 0 0 0 rg BT 168.26 593.10 Td (ges. ) Tj ET Q q 0 0 0 rg BT 186.41 593.10 Td (The Milan prosecutors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (appealed part of that judgment and sought administrative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 569.10 Td (remedies against Citigroup under Italian ) Tj ET Q q 0 0 0 rg BT 199.01 569.10 Td (Administrative Law ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (231. On February 5, 2014, the Milan Court of ) Tj ET Q q 0 0 0 rg BT 223.48 557.10 Td (Appeal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (restricted the remedy to an administrative fine of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.71 545.10 Td (500,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.21 545.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (which was later upheld by the Italian Supreme Court. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 252.05 533.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 521.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 103.90 521.10 Td (, the Parmalat administrator filed a purported ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (civil complaint against Citigroup in the context of the Parma ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (criminal proceedings. On March 5, 2015, the Parma criminal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 485.10 Td (court accepted plea bar) Tj ET Q q 0 0 0 rg BT 128.26 485.10 Td (gain agreements from each of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (defendants \() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.15 473.10 Td (eight) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.14 473.10 Td ( current and former Citigroup employees\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (and closed the criminal proceedings that had been commenced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (by prosecutors in Parma. ) Tj ET Q q 0 0 0 rg BT 137.37 449.10 Td (As a result of the agreements entered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (into by the individuals, the Parma criminal court was no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (longer able to hear the civil complaint filed by the Parmalat ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 413.10 Td (administrator against Citigroup. 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Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 329.10 Td (Regulatory Review of Student Loan Servicing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 317.10 Td (Citibank is currently subject to regulatory investigation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 305.10 Td (concerning certain student loan servicing practices. Citibank is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 293.10 Td (cooperating with the investigation. Similar servicing practices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 281.10 Td (have been the subject of an enforcement action against at least ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 269.10 Td (one other institution. In light of that action and the current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 257.10 Td (regulatory focus on student loans, regulators may order that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 245.10 Td (Citibank remediate customers and/or impose penalties or other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 233.10 Td (relief.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 209.10 Td (Sover) Tj ET Q q 0 0 0 rg BT 60.26 209.10 Td (eign Securities Matters) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 36.00 197.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 82.75 197.10 Td (Actions:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.08 197.10 Td ( Government and regulatory agencies in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 185.10 Td (the U.S. and in other jurisdictions are conducting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 173.10 Td (investigations or making inquiries regarding Citigroup) Tj ET Q q 0 0 0 rg BT 256.80 173.10 Td (s sales ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 161.10 Td (and trading activities in connection with sovereign securities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 149.10 Td (Citigroup is fully cooperating with these investigations and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 137.10 Td (inquiries. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 54.00 125.10 Td (Antitrust and Other Litigation: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.12 125.10 Td (Beginning in July 2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 113.10 Td (CGMI, along with numerous other U.S. ) Tj ET Q q 0 0 0 rg BT 197.20 113.10 Td (T) Tj ET Q q 0 0 0 rg BT 202.95 113.10 Td (reasury primary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 101.10 Td (dealer banks, have been named as defendants in a number of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 89.10 Td (substantially similar putative class actions involving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 77.10 Td (allegations that they colluded to manipulate U.S. ) Tj ET Q q 0 0 0 rg BT 233.28 77.10 Td (T) Tj ET Q q 0 0 0 rg BT 239.03 77.10 Td (reasury ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 65.10 Td (securities markets. ) Tj ET Q q 0 0 0 rg BT 115.24 65.10 Td (The actions are based upon the defendants) Tj ET Q q 0 0 0 rg BT 287.21 65.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 53.10 Td (roles as registered primary dealers of U.S. ) Tj ET Q q 0 0 0 rg BT 206.60 53.10 Td (T) Tj ET Q q 0 0 0 rg BT 212.35 53.10 Td (reasury securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (and assert claims of alleged collusion under the antitrust laws ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (and manipulation under the Commodity Exchange ) Tj ET Q q 0 0 0 rg BT 527.85 737.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 549.61 737.10 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (actions were filed in the United States District Court for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (Southern District of New ) Tj ET Q q 0 0 0 rg BT 426.94 713.10 Td (Y) Tj ET Q q 0 0 0 rg BT 433.17 713.10 Td (ork, the Northern District of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (Illinois, the Southern District of ) Tj ET Q q 0 0 0 rg BT 453.43 701.10 Td (Alabama and the District of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (the ) Tj ET Q q 0 0 0 rg BT 338.54 689.10 Td (V) Tj ET Q q 0 0 0 rg BT 345.16 689.10 Td (ir) Tj ET Q q 0 0 0 rg BT 351.08 689.10 Td (gin Islands.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 677.10 Td (In December 2015, the cases were consolidated before ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (Judge Paul G. Gardephe in the United States District Court for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (the Southern District of New ) Tj ET Q q 0 0 0 rg BT 441.66 653.10 Td (Y) Tj ET Q q 0 0 0 rg BT 447.88 653.10 Td (ork by the Judicial Panel on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (Multidistrict Litigation. ) Tj ET Q q 0 0 0 rg BT 422.89 641.10 Td (Additional information relating to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (these actions is publicly available in court filings under the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (docket number: 15-MD-2673 \(S.D.N.Y) Tj ET Q q 0 0 0 rg BT 481.02 617.10 Td (.\) \(Gardephe, J.\).) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (Settlement Payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (Payments required in settlement agreements described above ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (have been made or are covered by existing litigation accruals.) 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Other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 526.25 Td (Citigroup subsidiaries and eliminations includes all other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 514.25 Td (subsidiaries of Citigroup, intercompany eliminations and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 502.25 Td (income \(loss\) from discontinued operations. Consolidating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 490.25 Td (adjustments includes Citigroup parent company elimination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 478.25 Td (of distributed and undistributed income of subsidiaries and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 466.25 Td (investment in subsidiaries.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 454.25 Td (These Condensed Consolidating Financial Statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 442.25 Td (have been prepared and presented in accordance with SEC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 430.25 Td (Regulation S-X Rule 3-10, Financial Statements of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 418.25 Td (Guarantors and Issuers of Guaranteed Securities Registered or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 406.25 Td (Being Registered. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 394.25 Td (These Condensed Consolidating Financial Statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 382.25 Td (schedules are presented for purposes of additional analysis, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 370.25 Td (but should be considered in relation to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 358.25 Td (Financial Statements of Citigroup taken as a whole. ) Tj 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1 rg /GS0 gs 378.50 490.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 490.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 490.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 490.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 490.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 464.75 228.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 464.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 464.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 464.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 464.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 464.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 464.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 464.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 464.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 464.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 438.75 228.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 438.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 438.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 438.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 438.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 438.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 438.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 438.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 438.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 438.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 412.75 228.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 412.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 412.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 412.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 412.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 412.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 412.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 412.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 412.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 412.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 376.75 228.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 376.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 376.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 376.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 376.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 376.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 376.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 376.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 376.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 376.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 350.75 228.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 350.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 350.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 350.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 350.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 350.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 350.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 350.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 350.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 350.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 324.75 228.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 324.75 53.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 324.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 324.75 53.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 324.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 324.75 69.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 324.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 324.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 324.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 324.75 56.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 288.75 228.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 288.75 53.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 288.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 288.75 53.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 288.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 288.75 69.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 288.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 288.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 288.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 288.75 56.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 252.75 228.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 252.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 252.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 252.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 252.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 252.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 252.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 252.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 252.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 252.75 56.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 717.75 m 317.5 717.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 685.75 m 264.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 717.75 m 317.5 717.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 685.75 m 317.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 717.75 m 321.5 717.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 685.75 m 321.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 717.75 m 374.5 717.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 685.75 m 374.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 717.75 m 378.5 717.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 685.75 m 378.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 717.75 m 447.5 717.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 685.75 m 447.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 717.75 m 451.5 717.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 685.75 m 451.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 717.75 m 516.5 717.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 685.75 m 516.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 717.75 m 520.5 717.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 685.75 m 520.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 717.75 m 576.5 717.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 685.75 m 576.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 685.75 m 264.5 685.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 607.75 m 264.5 607.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 594.75 m 264.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 607.75 m 317.5 607.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 594.75 m 317.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 607.75 m 321.5 607.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 594.75 m 321.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 607.75 m 374.5 607.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 594.75 m 374.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 607.75 m 378.5 607.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 594.75 m 378.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 607.75 m 447.5 607.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 594.75 m 447.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 607.75 m 451.5 607.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 594.75 m 451.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 607.75 m 516.5 607.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 594.75 m 516.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 607.75 m 520.5 607.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 594.75 m 520.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 607.75 m 576.5 607.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 594.75 m 576.5 594.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 516.75 m 264.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 503.75 m 264.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 516.75 m 317.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 503.75 m 317.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 516.75 m 321.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 503.75 m 321.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 516.75 m 374.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 503.75 m 374.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 516.75 m 378.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 503.75 m 378.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 516.75 m 447.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 503.75 m 447.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 516.75 m 451.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 503.75 m 451.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 516.75 m 516.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 503.75 m 516.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 516.75 m 520.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 503.75 m 520.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 516.75 m 576.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 503.75 m 576.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 503.75 m 576.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 490.75 m 576.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 490.75 m 264.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 477.75 m 264.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 490.75 m 317.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 477.75 m 317.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 490.75 m 321.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 477.75 m 321.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 490.75 m 374.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 477.75 m 374.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 490.75 m 378.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 477.75 m 378.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 490.75 m 447.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 477.75 m 447.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 490.75 m 451.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 477.75 m 451.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 490.75 m 516.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 477.75 m 516.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 490.75 m 520.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 477.75 m 520.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 490.75 m 576.5 490.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 477.75 m 576.5 477.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 412.75 m 576.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 412.75 m 264.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 399.75 m 264.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 412.75 m 317.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 399.75 m 317.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 412.75 m 321.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 399.75 m 321.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 412.75 m 374.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 399.75 m 374.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 412.75 m 378.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 399.75 m 378.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 412.75 m 447.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 399.75 m 447.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 412.75 m 451.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 399.75 m 451.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 412.75 m 516.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 399.75 m 516.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 412.75 m 520.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 399.75 m 520.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 412.75 m 576.5 412.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 399.75 m 576.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 399.75 m 576.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 350.75 m 576.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 350.75 m 264.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 350.75 m 317.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 350.75 m 321.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 350.75 m 374.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 350.75 m 378.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 350.75 m 447.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 350.75 m 451.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 350.75 m 516.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 350.75 m 520.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 350.75 m 576.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 324.75 m 576.5 324.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 324.75 m 264.5 324.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 324.75 m 317.5 324.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 324.75 m 321.5 324.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 324.75 m 374.5 324.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 324.75 m 378.5 324.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 324.75 m 447.5 324.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 324.75 m 451.5 324.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 324.75 m 516.5 324.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 324.75 m 520.5 324.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 324.75 m 576.5 324.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 288.75 m 576.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 288.75 m 264.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 265.75 m 264.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 288.75 m 317.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 265.75 m 317.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 288.75 m 321.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 265.75 m 321.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 288.75 m 374.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 265.75 m 374.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 288.75 m 378.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 265.75 m 378.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 288.75 m 447.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 265.75 m 447.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 288.75 m 451.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 265.75 m 451.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 288.75 m 516.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 265.75 m 516.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 288.75 m 520.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 265.75 m 520.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 288.75 m 576.5 288.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 265.75 m 576.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 265.75 m 317.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 265.75 m 374.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 265.75 m 447.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 265.75 m 516.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 265.75 m 576.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 239.75 m 264.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 239.75 m 317.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 239.75 m 321.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 239.75 m 374.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 239.75 m 378.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 239.75 m 447.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 239.75 m 451.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 239.75 m 516.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 239.75 m 520.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 239.75 m 576.5 239.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 226.75 m 264.5 226.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 226.75 m 317.5 226.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 226.75 m 321.5 226.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 226.75 m 374.5 226.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 226.75 m 378.5 226.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 226.75 m 447.5 226.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 226.75 m 451.5 226.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 226.75 m 516.5 226.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 226.75 m 520.5 226.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 239.75 m 576.5 239.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 226.75 m 576.5 226.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.05 722.20 Td (Year ended December 31, 2015) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 690.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.65 708.20 Td (Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.65 699.20 Td (parent) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.95 690.20 Td (company) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.50 690.20 Td (CGMHI) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.55 708.20 Td (Other Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.70 699.20 Td (subsidiaries and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.95 690.20 Td (eliminations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.45 699.20 Td (Consolidating) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.95 690.20 Td (adjustments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.65 699.20 Td (Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.95 690.20 Td (consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 677.15 Td (Revenues) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 664.01 Td (Dividends from subsidiaries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 664.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.25 664.15 Td (13,500) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 664.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.00 664.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 664.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.00 664.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 664.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.25 664.15 Td (\(13,500) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 664.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 664.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 664.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 651.01 Td (Interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 651.15 Td (9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 651.15 Td (4,389) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 651.15 Td (54,153) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 651.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 651.15 Td (58,551) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 638.01 Td (Interest revenueintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 638.15 Td (2,880) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.50 638.15 Td (272) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 638.15 Td (\(3,152) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 638.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 638.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 638.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 625.01 Td (Interest expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 625.15 Td (4,563) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.50 625.15 Td (997) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.75 625.15 Td (6,361) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 625.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 625.15 Td (11,921) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 612.01 Td (Interest expenseintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.50 612.15 Td (\(475) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 612.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 612.15 Td (1,295) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.50 612.15 Td (\(820) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 612.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 612.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 612.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 599.15 Td (Net interest revenue) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 599.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 599.15 Td (\(1,199) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 599.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 599.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 599.15 Td (2,369) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 599.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 599.15 Td (45,460) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 599.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 599.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 599.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 599.15 Td (46,630) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 586.01 Td (Commissions and fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 586.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 586.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 586.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 586.15 Td (4,854) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 586.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.75 586.15 Td (6,994) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 586.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 586.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 586.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 586.15 Td (11,848) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 573.01 Td (Commissions and feesintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 573.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.50 573.15 Td (214) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.50 573.15 Td (\(214) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 573.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 573.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 573.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 560.01 Td (Principal transactions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 560.15 Td (1,012) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.25 560.15 Td (10,365) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 560.15 Td (\(5,369) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 560.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 560.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 560.15 Td (6,008) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 547.01 Td (Principal transactionsintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 547.15 Td (\(1,733) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 547.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 347.75 547.15 Td (\(8,709) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.00 547.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 547.15 Td (10,442) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 547.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 547.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 534.01 Td (Other income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 534.15 Td (3,294) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.50 534.15 Td (426) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.75 534.15 Td (8,148) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 534.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 534.15 Td (11,868) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 521.01 Td (Other incomeintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 521.15 Td (\(3,054) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 521.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 521.15 Td (1,079) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.75 521.15 Td (1,975) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 521.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 521.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 508.15 Td (Total non-interest revenues) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 508.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.50 508.15 Td (\(481) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 508.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 508.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 508.15 Td (8,229) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 508.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 508.15 Td (21,976) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 508.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 508.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 508.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 508.15 Td (29,724) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 495.15 Td (Total revenues, net of interest expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 495.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.25 495.15 Td (11,820) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 495.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.25 495.15 Td (10,598) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 495.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 495.15 Td (67,436) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 495.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.25 495.15 Td (\(13,500) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 495.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 495.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 495.15 Td (76,354) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 482.15 Td (Provisions for credit losses and for benefits and claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 482.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 482.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 482.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.00 482.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 482.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.75 482.15 Td (7,913) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 482.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 482.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 482.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 482.15 Td (7,913) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 469.15 Td (Operating expenses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 469.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 469.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 469.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 469.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 469.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 456.01 Td (Compensation and benefits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 456.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.00 456.15 Td (\(58) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 456.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 456.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 456.15 Td (5,003) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 456.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 456.15 Td (16,824) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 456.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 456.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 456.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 456.15 Td (21,769) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 443.01 Td (Compensation and benefitsintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 443.15 Td (59) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.00 443.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 443.15 Td (\(59) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 443.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 443.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 443.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 430.01 Td (Other operating) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.50 430.15 Td (271) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 430.15 Td (1,948) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 430.15 Td (19,627) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 430.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 430.15 Td (21,846) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 417.01 Td (Other operatingintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.50 417.15 Td (247) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 417.15 Td (1,164) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 417.15 Td (\(1,411) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 417.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 417.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 417.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 404.15 Td (Total operating expenses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 404.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.50 404.15 Td (519) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 404.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 404.15 Td (8,115) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 404.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 404.15 Td (34,981) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 404.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 404.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 404.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 404.15 Td (43,615) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 390.20 Td (Income \(loss\) before income taxes and equity in) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 381.20 Td (undistributed income of subsidiaries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 381.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.25 381.20 Td (11,301) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 381.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 381.20 Td (2,483) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 381.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 381.20 Td (24,542) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 381.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.25 381.20 Td (\(13,500) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 381.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 381.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 381.20 Td (24,826) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 368.01 Td (Provision \(benefit\) for income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 368.15 Td (\(1,340) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 368.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.50 368.15 Td (537) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.75 368.15 Td (8,243) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 368.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 368.15 Td (7,440) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 355.01 Td (Equity in undistributed income of subsidiaries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 355.15 Td (4,601) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.00 355.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.00 355.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.75 355.15 Td (\(4,601) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 355.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 355.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 342.15 Td (Income \(loss\) from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 342.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.25 342.15 Td (17,242) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 342.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 342.15 Td (1,946) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 342.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 342.15 Td (16,299) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 342.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.25 342.15 Td (\(18,101) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 342.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 342.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 342.15 Td (17,386) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 329.15 Td (Income \(loss\) from discontinued operations, net of taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 329.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.00 329.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 329.15 Td (\(54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 329.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 329.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 561.00 329.15 Td (\(54) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 329.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 315.20 Td (Net income \(loss\) before attribution of noncontrolling) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 306.20 Td (interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 306.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.25 306.20 Td (17,242) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 306.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 306.20 Td (1,946) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 306.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 306.20 Td (16,245) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 306.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.25 306.20 Td (\(18,101) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 306.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 306.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 306.20 Td (17,332) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 293.15 Td (Net income attributable to noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 293.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.50 293.15 Td (9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 435.00 293.15 Td (81) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.00 293.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 293.15 Td (90) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 279.20 Td (Net income \(loss\) after attribution of noncontrolling) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 270.20 Td (interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 270.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.25 270.20 Td (17,242) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 270.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 270.20 Td (1,937) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 270.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.25 270.20 Td (16,164) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 270.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.25 270.20 Td (\(18,101) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 270.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 270.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 270.20 Td (17,242) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 257.15 Td (Comprehensive income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 244.01 Td (Other comprehensive income \(loss\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 244.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.75 244.15 Td (\(6,128) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 314.00 244.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 244.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.50 244.15 Td (\(125) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.00 244.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 244.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 244.15 Td (\(6,367) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.00 244.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 244.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 492.75 244.15 Td (6,492) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 244.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.75 244.15 Td (\(6,128) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 244.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 231.15 Td (Comprehensive income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 231.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.25 231.15 Td (11,114) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 231.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.75 231.15 Td (1,812) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.00 231.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.75 231.15 Td (9,797) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.00 231.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.25 231.15 Td (\(11,609) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.00 231.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 231.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 231.15 Td (11,114) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 603 0 obj <> endobj 604 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (299) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Condensed Consolidating Statements of Income and Compr) Tj ET Q q 0 0 0 rg BT 291.40 742.25 Td (ehensive Income) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 664.75 225.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 664.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 664.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 664.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 664.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 664.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 664.75 6.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 664.75 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 664.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 519.50 664.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 638.75 225.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 638.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 638.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 638.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 638.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 638.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 638.75 6.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 638.75 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 638.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 519.50 638.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 612.75 225.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 612.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 612.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 612.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 612.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 612.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 612.75 6.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 612.75 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 612.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 519.50 612.75 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 586.75 225.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 586.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 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J 0 j 3 M 370.5 586.75 m 374.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 599.75 m 443.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 586.75 m 443.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 599.75 m 449.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 586.75 m 449.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 599.75 m 515.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 586.75 m 515.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 599.75 m 519.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 586.75 m 519.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 599.75 m 575.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 586.75 m 575.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 508.75 m 260.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 495.75 m 260.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 508.75 m 313.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 495.75 m 313.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 508.75 m 317.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 495.75 m 317.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 508.75 m 370.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 495.75 m 370.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 508.75 m 374.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 495.75 m 374.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 508.75 m 443.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 495.75 m 443.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 508.75 m 449.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 495.75 m 449.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 508.75 m 515.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 495.75 m 515.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 508.75 m 519.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 495.75 m 519.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 508.75 m 575.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 495.75 m 575.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 495.75 m 575.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 482.75 m 575.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 482.75 m 260.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 469.75 m 260.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 482.75 m 313.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 469.75 m 313.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 482.75 m 317.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 469.75 m 317.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 482.75 m 370.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 469.75 m 370.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 482.75 m 374.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 469.75 m 374.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 482.75 m 443.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 469.75 m 443.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 482.75 m 449.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 469.75 m 449.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 482.75 m 515.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 469.75 m 515.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 482.75 m 519.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 469.75 m 519.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 482.75 m 575.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 469.75 m 575.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 404.75 m 575.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 404.75 m 260.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 391.75 m 260.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 404.75 m 313.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 391.75 m 313.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 404.75 m 317.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 391.75 m 317.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 404.75 m 370.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 391.75 m 370.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 404.75 m 374.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 391.75 m 374.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 404.75 m 443.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 391.75 m 443.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 404.75 m 449.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 391.75 m 449.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 404.75 m 515.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 391.75 m 515.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 404.75 m 519.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 391.75 m 519.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 404.75 m 575.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 391.75 m 575.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 391.75 m 575.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 342.75 m 575.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 342.75 m 260.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 342.75 m 313.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 342.75 m 317.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 342.75 m 370.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 342.75 m 374.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 342.75 m 443.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 342.75 m 449.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 342.75 m 515.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 342.75 m 519.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 342.75 m 575.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 316.75 m 575.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 316.75 m 260.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 316.75 m 313.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 316.75 m 317.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 316.75 m 370.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 316.75 m 374.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 316.75 m 443.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 316.75 m 449.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 316.75 m 515.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 316.75 m 519.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 316.75 m 575.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 280.75 m 575.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 280.75 m 260.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 257.75 m 260.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 280.75 m 313.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 257.75 m 313.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 280.75 m 317.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 257.75 m 317.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 280.75 m 370.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 257.75 m 370.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 280.75 m 374.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 257.75 m 374.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 280.75 m 443.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 257.75 m 443.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 280.75 m 449.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 257.75 m 449.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 280.75 m 515.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 257.75 m 515.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 280.75 m 519.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 257.75 m 519.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 280.75 m 575.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 257.75 m 575.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 257.75 m 313.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 257.75 m 370.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 257.75 m 443.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 257.75 m 515.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 257.75 m 575.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 231.75 m 260.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 231.75 m 313.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 231.75 m 317.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 231.75 m 370.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 231.75 m 374.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 231.75 m 443.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 231.75 m 449.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 231.75 m 515.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 231.75 m 519.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 231.75 m 575.5 231.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 218.75 m 260.5 218.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 218.75 m 313.5 218.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 218.75 m 317.5 218.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 218.75 m 370.5 218.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 218.75 m 374.5 218.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 218.75 m 443.5 218.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 218.75 m 449.5 218.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 218.75 m 515.5 218.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 218.75 m 519.5 218.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 231.75 m 575.5 231.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 218.75 m 575.5 218.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.55 714.20 Td (Year ended December 31, 2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 682.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 272.65 700.20 Td (Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 284.65 691.20 Td (parent) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 274.95 682.20 Td (company) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 334.50 682.20 Td (CGMHI) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.55 700.20 Td (Other Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.70 691.20 Td (subsidiaries and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.95 682.20 Td (eliminations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.45 691.20 Td (Consolidating) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 464.95 682.20 Td (adjustments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.65 691.20 Td (Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.95 682.20 Td (consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 669.15 Td (Revenues) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 656.01 Td (Dividends from subsidiaries) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 656.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.75 656.01 Td (8,900) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 656.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.00 656.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 656.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.00 656.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 656.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 656.01 Td (\(8,900) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 656.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 656.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 656.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 643.01 Td (Interest revenue) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.00 643.01 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 643.01 Td (4,210) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 643.01 Td (57,461) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 643.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 643.01 Td (61,683) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 630.01 Td (Interest revenueintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.75 630.01 Td (3,109) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 630.01 Td (144) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 630.01 Td (\(3,253) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 630.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 630.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 630.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 617.01 Td (Interest expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.75 617.01 Td (5,055) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 617.01 Td (1,010) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.75 617.01 Td (7,625) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 617.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 617.01 Td (13,690) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 604.01 Td (Interest expenseintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.50 604.01 Td (\(618) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 604.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 604.01 Td (1,258) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.50 604.01 Td (\(640) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 604.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 604.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 604.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 591.15 Td (Net interest revenue) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 591.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.75 591.01 Td (\(1,316) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 591.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 591.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 591.01 Td (2,086) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 591.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 591.01 Td (47,223) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 591.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 591.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 591.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 591.01 Td (47,993) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 578.01 Td (Commissions and fees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 578.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.00 578.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 578.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 578.01 Td (5,185) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 578.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.75 578.01 Td (7,847) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 578.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 578.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 578.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 578.01 Td (13,032) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 565.01 Td (Commissions and feesintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.00 565.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.00 565.01 Td (95) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.00 565.01 Td (\(95) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 565.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 565.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 565.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 552.01 Td (Principal transactions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.00 552.01 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.75 552.01 Td (\(1,115) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 552.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.75 552.01 Td (7,800) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 552.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 552.01 Td (6,698) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 539.01 Td (Principal transactionsintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.50 539.01 Td (\(672) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 539.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 539.01 Td (3,822) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 539.01 Td (\(3,150) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 539.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 539.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 539.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 526.01 Td (Other income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.75 526.01 Td (1,037) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 526.01 Td (425) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.75 526.01 Td (8,034) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 526.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 526.01 Td (9,496) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 513.01 Td (Other incomeintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.50 513.01 Td (\(131) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 513.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 513.01 Td (1,206) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 513.01 Td (\(1,075) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 513.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 513.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 513.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 500.15 Td (Total non-interest revenues) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 500.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.50 500.01 Td (247) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 500.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 500.01 Td (9,618) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 500.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 500.01 Td (19,361) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 500.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 500.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 500.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 500.01 Td (29,226) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 487.15 Td (Total revenues, net of interest expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 487.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.75 487.01 Td (7,831) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 487.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.25 487.01 Td (11,704) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 487.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 487.01 Td (66,584) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 487.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 487.01 Td (\(8,900) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 487.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 487.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 487.01 Td (77,219) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 474.15 Td (Provisions for credit losses and for benefits and claims) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 474.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.00 474.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 474.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.00 474.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 474.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.75 474.01 Td (7,467) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 474.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 474.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 474.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 474.01 Td (7,467) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 461.15 Td (Operating expenses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 461.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 461.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 461.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 461.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 461.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 448.01 Td (Compensation and benefits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 448.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.50 448.01 Td (158) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 448.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 448.01 Td (5,156) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 448.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 448.01 Td (18,645) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 448.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 448.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 448.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 448.01 Td (23,959) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 435.01 Td (Compensation and benefitsintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.00 435.01 Td (38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.00 435.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.00 435.01 Td (\(38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 435.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 435.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 435.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 422.01 Td (Other operating) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.75 422.01 Td (1,572) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 422.01 Td (6,082) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 422.01 Td (23,438) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 422.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 422.01 Td (31,092) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 409.01 Td (Other operatingintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.50 409.01 Td (212) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.75 409.01 Td (1,651) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 409.01 Td (\(1,863) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 409.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 409.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 409.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 396.15 Td (Total operating expenses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 396.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.75 396.01 Td (1,980) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 396.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.25 396.01 Td (12,889) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 396.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 396.01 Td (40,182) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 396.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 396.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 396.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 396.01 Td (55,051) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 382.20 Td (Income \(loss\) before income taxes and equity in) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 373.20 Td (undistributed income of subsidiaries) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 373.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.75 373.21 Td (5,851) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 373.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.75 373.21 Td (\(1,185) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 373.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 373.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 373.21 Td (18,935) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 373.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 373.21 Td (\(8,900) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 373.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 373.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 373.21 Td (14,701) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 360.01 Td (Provision \(benefit\) for income taxes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.50 360.01 Td (\(643) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 360.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.50 360.01 Td (600) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.75 360.01 Td (7,240) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 360.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 360.01 Td (7,197) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 347.01 Td (Equity in undistributed income of subsidiaries) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.50 347.01 Td (816) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.00 347.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 347.01 Td (\(816) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 347.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 347.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 334.15 Td (Income \(loss\) from continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 334.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.75 334.01 Td (7,310) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 334.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.75 334.01 Td (\(1,785) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 334.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 334.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 334.01 Td (11,695) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 334.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 334.01 Td (\(9,716) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 334.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 334.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 334.01 Td (7,504) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 321.15 Td (Income \(loss\) from discontinued operations, net of taxes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.00 321.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.00 321.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.50 321.01 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.00 321.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 321.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.50 321.01 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 321.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 307.20 Td (Net income \(loss\) before attribution of noncontrolling) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 298.20 Td (interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 298.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.75 298.21 Td (7,310) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 298.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.75 298.21 Td (\(1,785) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 298.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 298.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 298.21 Td (11,693) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 298.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 298.21 Td (\(9,716) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 298.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 298.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 298.21 Td (7,502) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 285.15 Td (Net income attributable to noncontrolling interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 301.00 285.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.50 285.01 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.50 285.01 Td (184) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 503.00 285.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 285.01 Td (192) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 271.20 Td (Net income \(loss\) after attribution of noncontrolling) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 262.20 Td (interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 262.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.75 262.21 Td (7,310) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 320.00 262.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.75 262.21 Td (\(1,793) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 367.00 262.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 262.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.25 262.21 Td (11,509) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 262.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.75 262.21 Td (\(9,716) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 262.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 262.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 262.21 Td (7,310) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 249.15 Td (Comprehensive income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 236.01 Td (Other comprehensive income \(loss\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.00 236.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.75 236.01 Td (\(4,083) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 310.00 236.01 Td 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0.9333333333333333 1 rg /GS0 gs 374.50 316.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 316.75 69.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 316.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 316.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 316.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 316.75 56.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 280.75 228.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 280.75 53.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 280.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 280.75 53.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 280.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 280.75 69.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 280.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 280.75 65.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 280.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 280.75 56.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 244.75 228.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 244.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 244.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 244.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 244.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 244.75 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 244.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 244.75 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 244.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 244.75 56.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 677.75 m 264.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 709.75 m 317.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 677.75 m 317.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 709.75 m 321.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 677.75 m 321.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 709.75 m 374.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 677.75 m 374.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 709.75 m 378.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 677.75 m 378.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 709.75 m 447.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 677.75 m 447.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 709.75 m 451.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 677.75 m 451.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 709.75 m 516.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 677.75 m 516.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 709.75 m 520.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 677.75 m 520.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 709.75 m 576.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 677.75 m 576.5 677.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 599.75 m 264.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 599.75 m 264.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 586.75 m 264.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 599.75 m 317.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 586.75 m 317.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 599.75 m 321.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 586.75 m 321.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 599.75 m 374.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 586.75 m 374.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 599.75 m 378.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 586.75 m 378.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 599.75 m 447.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 586.75 m 447.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 599.75 m 451.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 586.75 m 451.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 599.75 m 516.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 586.75 m 516.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 599.75 m 520.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 586.75 m 520.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 599.75 m 576.5 599.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 586.75 m 576.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 508.75 m 264.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 495.75 m 264.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 508.75 m 317.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 495.75 m 317.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 508.75 m 321.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 495.75 m 321.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 508.75 m 374.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 495.75 m 374.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 508.75 m 378.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 495.75 m 378.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 508.75 m 447.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 495.75 m 447.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 508.75 m 451.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 495.75 m 451.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 508.75 m 516.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 495.75 m 516.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 508.75 m 520.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 495.75 m 520.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 508.75 m 576.5 508.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 495.75 m 576.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 495.75 m 576.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 482.75 m 576.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 482.75 m 264.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 469.75 m 264.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 482.75 m 317.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 469.75 m 317.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 482.75 m 321.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 469.75 m 321.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 482.75 m 374.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 469.75 m 374.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 482.75 m 378.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 469.75 m 378.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 482.75 m 447.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 469.75 m 447.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 482.75 m 451.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 469.75 m 451.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 482.75 m 516.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 469.75 m 516.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 482.75 m 520.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 469.75 m 520.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 482.75 m 576.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 469.75 m 576.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 469.75 m 264.5 469.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 404.75 m 576.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 404.75 m 264.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 391.75 m 264.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 404.75 m 317.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 391.75 m 317.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 404.75 m 321.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 391.75 m 321.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 404.75 m 374.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 391.75 m 374.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 404.75 m 378.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 391.75 m 378.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 404.75 m 447.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 391.75 m 447.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 404.75 m 451.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 391.75 m 451.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 404.75 m 516.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 391.75 m 516.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 404.75 m 520.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 391.75 m 520.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 404.75 m 576.5 404.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 391.75 m 576.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 391.75 m 264.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 391.75 m 576.5 391.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 342.75 m 264.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 342.75 m 576.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 342.75 m 264.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 342.75 m 317.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 342.75 m 321.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 342.75 m 374.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 342.75 m 378.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 342.75 m 447.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 342.75 m 451.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 342.75 m 516.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 342.75 m 520.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 342.75 m 576.5 342.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 316.75 m 576.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 316.75 m 264.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 316.75 m 317.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 316.75 m 321.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 316.75 m 374.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 316.75 m 378.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 316.75 m 447.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 316.75 m 451.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 316.75 m 516.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 316.75 m 520.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 316.75 m 576.5 316.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 280.75 m 576.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 280.75 m 264.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 257.75 m 264.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 280.75 m 317.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 257.75 m 317.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 280.75 m 321.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 257.75 m 321.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 280.75 m 374.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 257.75 m 374.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 280.75 m 378.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 257.75 m 378.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 280.75 m 447.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 257.75 m 447.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 280.75 m 451.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 257.75 m 451.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 280.75 m 516.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 257.75 m 516.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 280.75 m 520.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 257.75 m 520.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 280.75 m 576.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 257.75 m 576.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 257.75 m 317.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 257.75 m 374.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 257.75 m 447.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 257.75 m 516.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 257.75 m 576.5 257.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 231.75 m 264.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 231.75 m 317.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 231.75 m 321.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 231.75 m 374.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 231.75 m 378.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 231.75 m 447.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 231.75 m 451.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 231.75 m 516.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 231.75 m 520.5 231.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 231.75 m 576.5 231.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 218.75 m 264.5 218.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 218.75 m 317.5 218.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 218.75 m 321.5 218.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 218.75 m 374.5 218.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 218.75 m 378.5 218.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 218.75 m 447.5 218.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 218.75 m 451.5 218.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 218.75 m 516.5 218.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 218.75 m 520.5 218.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 231.75 m 576.5 231.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 218.75 m 576.5 218.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.05 714.70 Td (Year ended December 31, 2013) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 682.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.65 700.20 Td (Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.65 691.20 Td (parent) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.95 682.20 Td (company) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 338.50 682.20 Td (CGMHI) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.55 700.20 Td (Other Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.70 691.20 Td (subsidiaries and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.95 682.20 Td (eliminations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.45 691.20 Td (Consolidating) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 465.95 682.20 Td (adjustments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.65 691.20 Td (Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.95 682.20 Td (consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 669.15 Td (Revenues) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 656.01 Td (Dividends from subsidiaries) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 656.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 656.01 Td (13,044) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 656.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 656.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 656.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 656.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 656.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 656.01 Td (\(13,044) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 656.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 656.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 656.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 643.01 Td (Interest revenue) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 643.01 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 643.01 Td (4,475) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 643.01 Td (58,481) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 643.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 643.01 Td (62,970) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 630.01 Td (Interest revenueintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 630.01 Td (3,220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.50 630.01 Td (159) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 630.01 Td (\(3,379) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 630.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 630.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 630.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 617.01 Td (Interest expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 617.01 Td (5,995) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 617.01 Td (1,067) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 617.01 Td (9,115) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 617.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 617.01 Td (16,177) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 604.01 Td (Interest expenseintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.50 604.01 Td (\(436) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.00 604.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 604.01 Td (1,425) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.50 604.01 Td (\(989) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 604.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 604.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 604.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 591.15 Td (Net interest revenue) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 591.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 591.01 Td (\(2,325) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.00 591.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 591.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 591.01 Td (2,142) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 591.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 591.01 Td (46,976) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 591.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 591.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 591.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 591.01 Td (46,793) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 578.01 Td (Commissions and fees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 578.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 578.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 578.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 578.01 Td (4,871) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 578.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 578.01 Td (8,070) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 578.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 578.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 578.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 578.01 Td (12,941) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 565.01 Td (Commissions and feesintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 565.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 565.01 Td (27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 565.01 Td (\(27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 565.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 565.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 565.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 552.01 Td (Principal transactions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.50 552.01 Td (\(257) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.00 552.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.50 552.01 Td (389) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 552.01 Td (7,170) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 552.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 552.01 Td (7,302) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 539.01 Td (Principal transactionsintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.50 539.01 Td (\(387) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.00 539.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 539.01 Td (1,491) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 539.01 Td (\(1,104) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 539.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 539.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 539.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 526.01 Td (Other income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 526.01 Td (3,770) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.50 526.01 Td (571) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 526.01 Td (5,347) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 526.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 526.01 Td (9,688) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 513.01 Td (Other incomeintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 513.01 Td (\(2,987) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.00 513.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.50 513.01 Td (928) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 513.01 Td (2,059) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 513.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 513.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 500.15 Td (Total non-interest revenues) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 500.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.50 500.01 Td (139) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 500.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 500.01 Td (8,277) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 500.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 500.01 Td (21,515) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 500.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 500.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 500.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 500.01 Td (29,931) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 487.15 Td (Total revenues, net of interest expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 487.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 487.01 Td (10,858) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 487.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.25 487.01 Td (10,419) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 487.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 487.01 Td (68,491) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 487.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 487.01 Td (\(13,044) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 487.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 487.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 487.01 Td (76,724) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 474.15 Td (Provisions for credit losses and for benefits and claims) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 474.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 474.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 474.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 474.01 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 474.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 474.01 Td (8,496) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 474.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 474.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 474.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 474.01 Td (8,514) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 461.15 Td (Operating expenses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 461.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 461.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 461.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 461.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 461.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 448.01 Td (Compensation and benefits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 448.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.50 448.01 Td (136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 448.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 448.01 Td (5,169) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 448.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 448.01 Td (18,662) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 448.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 448.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 448.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 448.01 Td (23,967) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 435.01 Td (Compensation and benefitsintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 435.01 Td (52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 435.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 435.01 Td (\(52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 435.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 435.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 435.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 422.01 Td (Other operating) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.50 422.01 Td (474) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 422.01 Td (3,461) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 422.01 Td (20,506) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 422.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 422.01 Td (24,441) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 409.01 Td (Other operatingintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.50 409.01 Td (189) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.75 409.01 Td (2,856) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 409.01 Td (\(3,045) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 409.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 409.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 409.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 396.15 Td (Total operating expenses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 396.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.50 396.01 Td (851) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 396.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.25 396.01 Td (11,486) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 396.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 396.01 Td (36,071) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 396.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 396.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 396.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 396.01 Td (48,408) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 382.20 Td (Income \(loss\) before income taxes and equity in) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 373.20 Td (undistributed income of subsidiaries) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 373.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 373.21 Td (10,007) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 373.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.75 373.21 Td (\(1,085) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 373.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 373.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 373.21 Td (23,924) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 373.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 373.21 Td (\(13,044) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 373.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 373.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 373.21 Td (19,802) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 360.01 Td (Provision \(benefit\) for income taxes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 290.75 360.01 Td (\(1,638) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 314.00 360.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.50 360.01 Td (\(249) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 360.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.75 360.01 Td (8,073) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 360.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 360.01 Td (6,186) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 347.01 Td (Equity in undistributed income of subsidiaries) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 347.01 Td (2,014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 347.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 435.00 347.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.75 347.01 Td (\(2,014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 347.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 347.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 334.15 Td (Income \(loss\) from continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 334.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 334.01 Td (13,659) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 334.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.50 334.01 Td (\(836) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 334.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 334.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 334.01 Td (15,851) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 334.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 334.01 Td (\(15,058) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 334.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 334.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 334.01 Td (13,616) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 321.15 Td (Income \(loss\) from discontinued operations, net of taxes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 321.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 321.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.50 321.01 Td (270) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 321.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 321.01 Td (270) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 307.20 Td (Net income \(loss\) before attribution of noncontrolling) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 298.20 Td (interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 298.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 298.21 Td (13,659) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 298.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.50 298.21 Td (\(836) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 298.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 298.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 298.21 Td (16,121) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 298.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 298.21 Td (\(15,058) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 298.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 298.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 298.21 Td (13,886) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 285.15 Td (Net income attributable to noncontrolling interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 285.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 285.01 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.50 285.01 Td (202) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.00 285.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 285.01 Td (227) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 271.20 Td (Net income \(loss\) after attribution of noncontrolling) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 262.20 Td (interests) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 262.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 262.21 Td (13,659) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 262.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 354.50 262.21 Td (\(861) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 262.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 262.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 262.21 Td (15,919) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 262.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 262.21 Td (\(15,058) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 262.21 Td 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Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 236.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 236.01 Td (\(2,237) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 236.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 223.15 Td (Comprehensive income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 223.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 223.01 Td (11,422) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 223.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.75 223.01 Td (\(1,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 223.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 223.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.25 223.01 Td (12,781) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 454.00 223.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 223.01 Td (\(11,781) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 223.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 223.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 223.01 Td (11,422) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 607 0 obj <> endobj 608 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (301) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Condensed Consolidating Balance Sheet) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 646.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 646.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 646.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 646.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 646.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 646.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 646.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 646.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 646.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 646.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 620.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 620.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 620.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 620.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 620.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 620.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 620.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 620.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 620.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 620.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 594.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 594.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 594.75 4.00 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gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 568.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 568.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 568.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 568.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 542.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 542.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 542.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 542.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 542.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 542.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 542.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 542.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 542.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 542.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 516.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 516.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 516.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 516.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 516.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 516.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 516.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 516.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 516.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 516.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 490.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 490.75 53.00 -13.00 re f /GS0 gs 0.8 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1 rg /GS0 gs 389.50 464.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 464.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 464.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 464.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 464.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 438.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 438.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 438.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 438.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 438.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 438.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 438.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 438.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 438.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 438.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 412.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 412.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 412.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 412.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 412.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 412.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 412.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 412.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 412.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 412.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 386.75 243.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 386.75 53.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 386.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 386.75 49.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 386.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 386.75 55.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 386.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 386.75 62.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 386.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 386.75 62.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 351.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 351.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 351.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 351.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 351.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 351.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 351.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 351.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 351.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 351.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 325.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 325.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 325.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 325.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 325.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 325.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 325.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 325.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 325.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 325.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 299.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 299.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 299.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 299.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 299.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 299.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 299.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 299.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 299.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 299.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 273.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 273.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 273.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 273.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 273.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 273.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 273.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 273.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 273.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 273.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 247.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 247.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 247.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 247.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 247.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 247.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 247.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 247.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 247.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 247.75 62.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 659.75 m 279.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 709.75 m 332.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 659.75 m 332.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 709.75 m 336.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 659.75 m 336.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 709.75 m 385.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 659.75 m 385.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 709.75 m 389.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 659.75 m 389.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 709.75 m 444.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 659.75 m 444.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 709.75 m 448.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 659.75 m 448.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 709.75 m 510.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 659.75 m 510.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 709.75 m 514.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 659.75 m 514.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 709.75 m 576.5 709.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 659.75 m 576.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 659.75 m 279.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 516.75 m 279.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 503.75 m 279.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 516.75 m 332.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 503.75 m 332.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 516.75 m 336.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 503.75 m 336.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 516.75 m 385.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 503.75 m 385.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 516.75 m 389.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 503.75 m 389.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 516.75 m 444.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 503.75 m 444.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 516.75 m 448.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 503.75 m 448.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 516.75 m 510.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 503.75 m 510.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 516.75 m 514.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 503.75 m 514.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 516.75 m 576.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 503.75 m 576.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 451.75 m 279.5 451.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 438.75 m 279.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 451.75 m 332.5 451.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 438.75 m 332.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 451.75 m 336.5 451.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 438.75 m 336.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 451.75 m 385.5 451.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 438.75 m 385.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 451.75 m 389.5 451.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 438.75 m 389.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 451.75 m 444.5 451.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 438.75 m 444.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 451.75 m 448.5 451.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 438.75 m 448.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 451.75 m 510.5 451.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 438.75 m 510.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 451.75 m 514.5 451.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 438.75 m 514.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 451.75 m 576.5 451.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 438.75 m 576.5 438.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 438.75 m 385.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 234.75 m 510.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 234.75 m 279.5 234.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 221.75 m 279.5 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 234.75 m 332.5 234.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 221.75 m 332.5 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 234.75 m 336.5 234.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 221.75 m 336.5 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 234.75 m 385.5 234.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 221.75 m 385.5 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 234.75 m 389.5 234.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 221.75 m 389.5 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 234.75 m 444.5 234.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 221.75 m 444.5 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 234.75 m 448.5 234.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 221.75 m 448.5 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 234.75 m 510.5 234.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 221.75 m 510.5 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 234.75 m 514.5 234.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 221.75 m 514.5 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 234.75 m 576.5 234.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 221.75 m 576.5 221.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.20 714.20 Td (December 31, 2015) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 664.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.65 682.20 Td (Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.65 673.20 Td (parent) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.95 664.20 Td (company) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 664.20 Td (CGMHI) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.15 700.20 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.65 691.20 Td (Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.45 682.20 Td (subsidiaries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.45 673.20 Td (and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.95 664.20 Td (eliminations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.45 673.20 Td (Consolidating) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.95 664.20 Td (adjustments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.65 673.20 Td (Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.95 664.20 Td (consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 651.15 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 638.01 Td (Cash and due from banks) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 638.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 638.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 638.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.50 638.15 Td (592) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 638.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 638.15 Td (20,308) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 638.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 638.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 638.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 638.15 Td (20,900) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 625.01 Td (Cash and due from banksintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 625.15 Td (124) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 625.15 Td (1,403) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 625.15 Td (\(1,527) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 625.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 625.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 625.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 612.01 Td (Federal funds sold and resale agreements) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 612.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.75 612.15 Td (178,178) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 612.15 Td (41,497) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 612.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 612.15 Td (219,675) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 599.01 Td (Federal funds sold and resale agreementsintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 599.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 599.15 Td (15,035) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.25 599.15 Td (\(15,035) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 599.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 599.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 599.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 586.01 Td (Trading account assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.50 586.15 Td (\(8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 586.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.75 586.15 Td (124,731) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 586.15 Td (125,233) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 586.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 586.15 Td (249,956) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 573.01 Td (Trading account assetsintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 573.15 Td (1,032) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 573.15 Td (1,765) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 573.15 Td (\(2,797) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 573.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 573.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 573.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 560.01 Td (Investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 560.15 Td (484) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.50 560.15 Td (402) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 560.15 Td (342,069) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 560.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 560.15 Td (342,955) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 547.01 Td (Loans, net of unearned income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 547.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 547.15 Td (1,068) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 547.15 Td (616,549) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 547.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 547.15 Td (617,617) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 534.01 Td (Loans, net of unearned incomeintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 534.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 534.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 534.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 534.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 534.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 521.01 Td (Allowance for loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 521.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.50 521.15 Td (\(3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 521.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.25 521.15 Td (\(12,623) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 521.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 521.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.25 521.15 Td (\(12,626) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 521.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 508.01 Td (Total loans, net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 508.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 508.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 508.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 508.15 Td (1,065) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 508.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 508.15 Td (603,926) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 508.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 508.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 508.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 508.15 Td (604,991) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 495.01 Td (Advances to subsidiaries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 495.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 495.15 Td (104,405) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 495.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 495.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 495.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.75 495.15 Td (\(104,405) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 495.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 495.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 495.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 495.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 495.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 482.01 Td (Investments in subsidiaries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 482.15 Td (221,362) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 482.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 482.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.75 482.15 Td (\(221,362) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 482.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 482.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 469.01 Td (Other assets ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 84.99 473.09 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 469.15 Td (25,819) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 469.15 Td (36,860) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 469.15 Td (230,054) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 469.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 469.15 Td (292,733) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 456.01 Td (Other assetsintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 456.15 Td (58,207) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 456.15 Td (30,737) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.25 456.15 Td (\(88,944) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 456.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 456.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 456.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 443.15 Td (Total assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 443.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 443.15 Td (411,425) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 443.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.75 443.15 Td (390,768) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 443.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.00 443.15 Td (1,150,379) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 443.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.75 443.15 Td (\(221,362) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 443.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 443.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.00 443.15 Td (1,731,210) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 430.15 Td (Liabilities and equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 430.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 430.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 430.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 430.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 417.01 Td (Deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 417.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 417.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 417.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 417.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 417.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 417.15 Td (907,887) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 417.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 417.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 417.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 417.15 Td (907,887) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 404.01 Td (Depositsintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 404.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 404.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 404.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 404.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 404.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 391.01 Td (Federal funds purchased and securities loaned or sold) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 391.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.75 391.15 Td (122,459) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 391.15 Td (24,037) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 391.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 391.15 Td (146,496) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 378.01 Td (Federal funds purchased and securities loaned or sold) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 369.01 Td (intercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 369.20 Td (185) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 369.20 Td (22,042) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.25 369.20 Td (\(22,227) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 369.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 369.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 369.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 356.01 Td (Trading account liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 356.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 356.15 Td (62,386) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 356.15 Td (55,126) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 356.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 356.15 Td (117,512) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 343.01 Td (Trading account liabilitiesintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 343.15 Td (1,036) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 343.15 Td (2,045) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 343.15 Td (\(3,081) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 343.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 343.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 343.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 330.01 Td (Short-term borrowings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 330.15 Td (146) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.50 330.15 Td (188) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 330.15 Td (20,745) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 330.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 330.15 Td (21,079) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 317.01 Td (Short-term borrowingsintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 317.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 317.15 Td (34,916) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.25 317.15 Td (\(34,916) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 317.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 317.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 317.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 304.01 Td (Long-term debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 304.15 Td (141,914) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 304.15 Td (2,530) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 304.15 Td (56,831) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 304.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 304.15 Td (201,275) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 291.01 Td (Long-term debtintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 291.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 291.15 Td (51,171) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.25 291.15 Td (\(51,171) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 291.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 291.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 291.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 278.01 Td (Advances from subsidiaries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 278.15 Td (36,453) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 278.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.25 278.15 Td (\(36,453) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 278.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 278.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 278.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 265.01 Td (Other liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 265.15 Td (3,560) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 265.15 Td (55,482) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 265.15 Td (54,827) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 265.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 265.15 Td (113,869) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 252.01 Td (Other liabilitiesintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 252.15 Td (6,274) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 252.15 Td (10,967) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.25 252.15 Td (\(17,241) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 252.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 498.00 252.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 252.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 239.01 Td (Stockholders equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 239.15 Td (221,857) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 239.15 Td (26,582) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 239.15 Td (196,015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.75 239.15 Td (\(221,362) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 239.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 239.15 Td (223,092) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 226.15 Td (Total liabilities and equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 226.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.75 226.15 Td (411,425) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 226.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.75 226.15 Td (390,768) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 226.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 405.00 226.15 Td (1,150,379) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 226.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.75 226.15 Td (\(221,362) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 226.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 226.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 537.00 226.15 Td (1,731,210) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 203.05 Td (\(1\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 203.05 Td (Other assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 93.78 203.05 Td ( for Citigroup parent company at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 200.86 203.05 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.73 203.05 Td ( included $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.27 203.05 Td (21.8 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 336.16 203.05 Td ( of placements to Citibank and its branches, of which $) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.34 203.05 Td (13.9 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 549.23 203.05 Td ( had a ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 193.45 Td (remaining term of less than 30 days. ) Tj ET Q endstream endobj 609 0 obj <> endobj 610 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg 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3 M 36.5 494.75 m 283.5 494.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 507.75 m 336.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 494.75 m 336.5 494.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 507.75 m 340.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 494.75 m 340.5 494.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 507.75 m 389.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 494.75 m 389.5 494.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 507.75 m 393.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 494.75 m 393.5 494.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 507.75 m 449.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 494.75 m 449.5 494.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 507.75 m 453.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 494.75 m 453.5 494.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 507.75 m 517.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 494.75 m 517.5 494.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 507.75 m 521.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 494.75 m 521.5 494.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 507.75 m 576.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 494.75 m 576.5 494.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 442.75 m 283.5 442.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 429.75 m 283.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 442.75 m 336.5 442.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 429.75 m 336.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 442.75 m 340.5 442.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 429.75 m 340.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 442.75 m 389.5 442.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 429.75 m 389.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 442.75 m 393.5 442.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 429.75 m 393.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 442.75 m 449.5 442.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 429.75 m 449.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 442.75 m 453.5 442.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 429.75 m 453.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 442.75 m 517.5 442.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 429.75 m 517.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 442.75 m 521.5 442.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 429.75 m 521.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 442.75 m 576.5 442.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 429.75 m 576.5 429.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 225.75 m 283.5 225.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 212.75 m 283.5 212.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 225.75 m 336.5 225.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 212.75 m 336.5 212.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 225.75 m 340.5 225.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 212.75 m 340.5 212.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 225.75 m 389.5 225.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 212.75 m 389.5 212.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 225.75 m 393.5 225.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 212.75 m 393.5 212.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 225.75 m 449.5 225.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 212.75 m 449.5 212.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 225.75 m 453.5 225.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 212.75 m 453.5 212.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 225.75 m 517.5 225.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 212.75 m 517.5 212.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 225.75 m 521.5 225.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 212.75 m 521.5 212.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 225.75 m 576.5 225.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 212.75 m 576.5 212.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.20 714.20 Td (December 31, 2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 655.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.65 673.20 Td (Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.65 664.20 Td (parent) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.95 655.20 Td (company) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.50 655.20 Td (CGMHI) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 423.15 691.20 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.65 682.20 Td (Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.45 673.20 Td (subsidiaries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.45 664.20 Td (and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.95 655.20 Td (eliminations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.45 664.20 Td (Consolidating) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.95 655.20 Td (adjustments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.65 664.20 Td (Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.95 655.20 Td (consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 642.15 Td (Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 629.01 Td (Cash and due from banks) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 629.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 629.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 629.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.50 629.01 Td (239) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 629.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 629.01 Td (31,869) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 629.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 629.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 629.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 629.01 Td (32,108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 616.01 Td (Cash and due from banksintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 616.01 Td (125) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 616.01 Td (1,512) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 616.01 Td (\(1,637) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 616.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 616.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 616.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 603.01 Td (Federal funds sold and resale agreements) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 603.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.75 603.01 Td (194,649) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 603.01 Td (47,921) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 603.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 603.01 Td (242,570) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 590.01 Td (Federal funds sold and resale agreementsintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 590.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 590.01 Td (6,601) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 590.01 Td (\(6,601) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 590.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 590.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 590.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 577.01 Td (Trading account assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 577.01 Td (\(103) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 577.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.75 577.01 Td (141,608) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 577.01 Td (155,281) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 577.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 577.01 Td (296,786) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 564.01 Td (Trading account assetsintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 564.01 Td (707) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 564.01 Td (4,956) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 564.01 Td (\(5,663) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 564.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 564.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 564.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 551.01 Td (Investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 551.01 Td (830) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.50 551.01 Td (483) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 551.01 Td (332,130) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 551.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 551.01 Td (333,443) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 538.01 Td (Loans, net of unearned income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 538.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 538.01 Td (1,495) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 538.01 Td (643,140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 538.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 538.01 Td (644,635) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 525.01 Td (Loans, net of unearned incomeintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 525.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 525.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.00 525.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 525.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 525.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 512.01 Td (Allowance for loan losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 512.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.00 512.01 Td (\(45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 512.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 512.01 Td (\(15,949) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 512.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 512.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 512.01 Td (\(15,994) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 512.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 499.01 Td (Total loans, net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 499.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 499.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 499.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 499.01 Td (1,450) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 499.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 499.01 Td (627,191) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 499.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 499.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 499.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 499.01 Td (628,641) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 486.01 Td (Advances to subsidiaries) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 486.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 486.01 Td (77,951) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 486.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 486.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 486.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 486.01 Td (\(77,951) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 486.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 486.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 486.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 486.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 486.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 473.01 Td (Investments in subsidiaries) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 473.01 Td (211,004) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 473.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.00 473.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.75 473.01 Td (\(211,004) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 473.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 473.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 460.01 Td (Other assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 82.74 464.09 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 460.01 Td (26,734) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 460.01 Td (38,654) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 460.01 Td (243,245) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 460.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 460.01 Td (308,633) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 447.01 Td (Other assetsintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 447.01 Td (84,174) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 447.01 Td (22,081) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.75 447.01 Td (\(106,255) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 447.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 447.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 447.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 434.15 Td (Total assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 434.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 434.01 Td (401,422) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 434.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.75 434.01 Td (412,233) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 434.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 434.01 Td (1,239,530) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 434.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.75 434.01 Td (\(211,004) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 434.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 434.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 434.01 Td (1,842,181) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 421.15 Td (Liabilities and equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 421.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 421.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 421.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 421.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 421.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 408.01 Td (Deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 408.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 408.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 408.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 408.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 408.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 408.01 Td (899,332) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 408.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 408.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 408.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 408.01 Td (899,332) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 395.01 Td (Depositsintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 395.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 395.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.00 395.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 395.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 395.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 382.01 Td (Federal funds purchased and securities loaned or sold) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 382.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.75 382.01 Td (149,773) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 382.01 Td (23,665) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 382.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 382.01 Td (173,438) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 369.01 Td (Federal funds purchased and securities loaned or sold) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 360.01 Td (intercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 360.21 Td (185) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 360.21 Td (22,170) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 360.21 Td (\(22,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 360.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 360.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 360.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 347.01 Td (Trading account liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 347.01 Td (3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 347.01 Td (76,965) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 347.01 Td (62,068) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 347.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 347.01 Td (139,036) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 334.01 Td (Trading account liabilitiesintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 334.01 Td (759) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 334.01 Td (4,853) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.75 334.01 Td (\(5,612) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 334.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 334.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 334.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 321.01 Td (Short-term borrowings) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 321.01 Td (1,075) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 321.01 Td (2,042) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 321.01 Td (55,218) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 321.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 321.01 Td (58,335) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 308.01 Td (Short-term borrowingsintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 308.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 308.01 Td (30,862) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 308.01 Td (\(30,862) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 308.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 308.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 308.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 295.01 Td (Long-term debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 295.01 Td (149,512) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 295.01 Td (3,062) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 295.01 Td (70,506) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 295.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 295.01 Td (223,080) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 282.01 Td (Long-term debtintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 282.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 282.01 Td (39,145) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 282.01 Td (\(39,145) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 282.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 282.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 282.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 269.01 Td (Advances from subsidiaries) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 269.01 Td (27,430) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 269.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 269.01 Td (\(27,430) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 269.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 269.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 269.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 256.01 Td (Other liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 256.01 Td (5,056) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 256.01 Td (49,968) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 256.01 Td (82,240) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 256.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 256.01 Td (137,264) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 243.01 Td (Other liabilitiesintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 243.01 Td (7,217) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 243.01 Td (8,385) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.25 243.01 Td (\(15,602) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 243.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 243.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 243.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 230.01 Td (Stockholders equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 230.01 Td (210,185) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 230.01 Td (25,008) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.75 230.01 Td (187,507) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.75 230.01 Td (\(211,004) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 230.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 230.01 Td (211,696) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 217.15 Td (Total liabilities and equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 217.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 217.01 Td (401,422) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 217.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.75 217.01 Td (412,233) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 217.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 217.01 Td (1,239,530) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 217.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.75 217.01 Td (\(211,004) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 217.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 217.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.00 217.01 Td (1,842,181) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 191.65 Td (\(1\) ) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 54.00 191.65 Td (Other assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 93.78 191.65 Td ( for Citigroup parent company at ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 200.86 191.65 Td (December31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.73 191.65 Td ( included ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 295.27 191.65 Td ($42.7 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 336.16 191.65 Td ( of placements to Citibank and its branches, of which ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.34 191.65 Td ($33.9 billion) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 549.23 191.65 Td ( had a ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 54.00 182.05 Td (remaining term of less than 30 days. ) Tj ET Q endstream endobj 611 0 obj <> endobj 612 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (303) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Condensed Consolidating Statement of Cash Flows) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 637.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 637.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 637.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 637.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 637.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 637.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 637.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 637.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 637.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 637.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 611.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 611.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 611.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 611.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 611.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 611.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 611.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 611.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 611.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 611.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 585.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 585.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 585.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 585.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 585.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 585.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 585.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 585.75 60.00 -13.00 re f 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0.9333333333333333 1 rg /GS0 gs 279.50 533.75 53.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 533.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 533.75 49.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 533.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 533.75 55.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 533.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 533.75 60.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 533.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 533.75 64.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 498.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 498.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 498.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 498.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 498.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 498.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 498.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 498.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 498.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 498.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 472.75 243.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 472.75 53.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 472.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 472.75 49.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 472.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 472.75 55.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 472.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 472.75 60.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 472.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 472.75 64.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 437.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 437.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 437.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 437.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 437.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 437.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 437.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 437.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 437.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 437.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 411.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 411.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 411.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 411.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 411.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 411.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 411.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 411.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 411.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 411.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 385.75 243.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 385.75 53.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 385.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 385.75 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/GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 349.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 349.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 349.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 323.75 243.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 323.75 53.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 323.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 323.75 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 323.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 323.75 55.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 323.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 323.75 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 323.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 323.75 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 287.75 243.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 287.75 53.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 287.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 287.75 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 287.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 287.75 55.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 287.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 287.75 60.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 287.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 287.75 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 251.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 251.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 251.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 251.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 251.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 251.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 251.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 251.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 251.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 251.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 225.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 225.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 225.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 225.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 225.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 225.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 225.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 225.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 225.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 225.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 189.75 243.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 189.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 189.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 189.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 189.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 189.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 189.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 189.75 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 189.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 189.75 64.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 710.75 m 332.5 710.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 710.75 m 336.5 710.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 710.75 m 385.5 710.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 710.75 m 389.5 710.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 710.75 m 444.5 710.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 710.75 m 448.5 710.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 710.75 m 508.5 710.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 710.75 m 512.5 710.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 710.75 m 576.5 710.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 660.75 m 279.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 660.75 m 332.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 660.75 m 336.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 660.75 m 385.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 660.75 m 389.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 710.75 m 444.5 710.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 660.75 m 444.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 710.75 m 448.5 710.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 660.75 m 448.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 710.75 m 508.5 710.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 660.75 m 508.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 660.75 m 512.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 660.75 m 576.5 660.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 637.75 m 279.5 637.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 637.75 m 332.5 637.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 637.75 m 336.5 637.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 637.75 m 385.5 637.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 637.75 m 389.5 637.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 637.75 m 444.5 637.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 637.75 m 448.5 637.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 637.75 m 508.5 637.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 637.75 m 512.5 637.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 637.75 m 576.5 637.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 472.75 m 576.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 472.75 m 279.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 450.75 m 279.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 472.75 m 332.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 450.75 m 332.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 472.75 m 336.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 450.75 m 336.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 472.75 m 385.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 450.75 m 385.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 472.75 m 389.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 450.75 m 389.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 472.75 m 444.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 450.75 m 444.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 472.75 m 448.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 450.75 m 448.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 472.75 m 508.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 450.75 m 508.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 472.75 m 512.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 450.75 m 512.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 472.75 m 576.5 472.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 450.75 m 576.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 450.75 m 332.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 450.75 m 336.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 450.75 m 385.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 450.75 m 389.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 450.75 m 444.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 450.75 m 448.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 450.75 m 508.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 450.75 m 512.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 450.75 m 576.5 450.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 287.75 m 576.5 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 287.75 m 279.5 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 264.75 m 279.5 264.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 287.75 m 332.5 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 264.75 m 332.5 264.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 287.75 m 336.5 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 264.75 m 336.5 264.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 287.75 m 385.5 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 264.75 m 385.5 264.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 287.75 m 389.5 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 264.75 m 389.5 264.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 287.75 m 444.5 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 264.75 m 444.5 264.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 287.75 m 448.5 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 264.75 m 448.5 264.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 287.75 m 508.5 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 264.75 m 508.5 264.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 287.75 m 512.5 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 264.75 m 512.5 264.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 287.75 m 576.5 287.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 264.75 m 576.5 264.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 264.75 m 576.5 264.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 251.75 m 279.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 251.75 m 332.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 251.75 m 336.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 251.75 m 385.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 251.75 m 389.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 251.75 m 444.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 251.75 m 448.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 251.75 m 508.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 251.75 m 512.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 251.75 m 576.5 251.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 225.75 m 576.5 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 225.75 m 279.5 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 225.75 m 332.5 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 225.75 m 336.5 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 225.75 m 385.5 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 225.75 m 389.5 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 225.75 m 444.5 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 225.75 m 448.5 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 225.75 m 508.5 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 225.75 m 512.5 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 225.75 m 576.5 225.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 212.75 m 279.5 212.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 212.75 m 332.5 212.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 212.75 m 336.5 212.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 212.75 m 385.5 212.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 212.75 m 389.5 212.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 212.75 m 444.5 212.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 212.75 m 448.5 212.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 212.75 m 508.5 212.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 212.75 m 512.5 212.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 212.75 m 576.5 212.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 163.75 m 576.5 163.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 163.75 m 279.5 163.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279.5 163.75 m 332.5 163.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 163.75 m 336.5 163.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 163.75 m 385.5 163.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 163.75 m 389.5 163.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 163.75 m 444.5 163.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 163.75 m 448.5 163.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 163.75 m 508.5 163.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 163.75 m 512.5 163.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 163.75 m 576.5 163.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.55 715.15 Td (Year ended December 31, 2015) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 665.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.65 683.20 Td (Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.65 674.20 Td (parent) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.95 665.20 Td (company) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.50 665.20 Td (CGMHI) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.15 701.20 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.65 692.20 Td (Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.45 683.20 Td (subsidiaries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.45 674.20 Td (and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.95 665.20 Td (eliminations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.45 674.20 Td (Consolidating) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.95 665.20 Td (adjustments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.65 674.20 Td (Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.95 665.20 Td (consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 651.20 Td (Net cash provided by \(used in\) operating activities of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 642.20 Td (continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 642.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.25 642.20 Td (27,825) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 642.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 642.20 Td (12,336) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 642.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.50 642.20 Td (\(424) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 642.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 642.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 642.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 642.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 642.20 Td (39,737) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 629.15 Td (Cash flows from investing activities of continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 616.01 Td (Purchases of investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 616.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 616.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 616.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 374.50 616.15 Td (\(4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 616.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 616.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.75 616.15 Td (\(242,358) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 616.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 616.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 616.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 616.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 540.75 616.15 Td (\(242,362) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 616.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 603.01 Td (Proceeds from sales of investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 603.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 603.15 Td (53) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.75 603.15 Td (141,417) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 603.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 543.75 603.15 Td (141,470) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 590.01 Td (Proceeds from maturities of investments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 590.15 Td (237) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 590.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 590.15 Td (81,810) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 590.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 590.15 Td (82,047) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 577.01 Td (Change in deposits with banks) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 577.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 577.15 Td (\(8,414) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 577.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 577.15 Td (23,902) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 577.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 577.15 Td (15,488) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 564.01 Td (Change in loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 564.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 564.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 564.15 Td (1,353) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 564.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 564.15 Td (1,353) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 551.01 Td (Proceeds from sales and securitizations of loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 551.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 551.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 551.15 Td (9,610) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 551.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 551.15 Td (9,610) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 538.01 Td (Proceeds from significant disposals) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 538.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 538.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 538.15 Td (5,932) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 538.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 538.15 Td (5,932) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 525.01 Td (Payments due to transfers of net liabilities associated with) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 516.01 Td (significant disposals) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 516.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 516.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.25 516.20 Td (\(18,929) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 516.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 516.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.25 516.20 Td (\(18,929) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 516.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 503.01 Td (Change in federal funds sold and resales) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 503.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 503.15 Td (8,037) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 503.15 Td (14,858) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 503.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 503.15 Td (22,895) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 490.01 Td (Changes in investments and advancesintercompany) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.25 490.15 Td (\(35,548) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 490.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.75 490.15 Td (1,044) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 490.15 Td (34,504) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 490.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 490.15 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 477.01 Td (Other investing activities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.50 477.15 Td (3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.50 477.15 Td (\(101) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 477.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 477.15 Td (\(2,523) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 477.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 477.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.75 477.15 Td (\(2,621) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 477.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 464.15 Td (Net cash provided by \(used in\) investing activities of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 455.15 Td (continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 455.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.25 455.20 Td (\(35,308) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 455.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 455.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.50 455.20 Td (615) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 455.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.25 455.20 Td (49,576) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 455.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 455.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 455.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 548.25 455.20 Td (14,883) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 442.15 Td (Cash flows from financing activities of continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 429.01 Td (Dividends paid) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.00 429.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.75 429.15 Td (\(1,253) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 429.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 339.00 429.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 429.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.00 429.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 429.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.00 429.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 429.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.00 429.15 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.75 429.15 Td (\(1,253) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 429.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 416.01 Td (Issuance of preferred stock) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 416.15 Td (6,227) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 416.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 416.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 416.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 416.15 Td (6,227) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 403.01 Td (Treasury stock acquired) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.75 403.15 Td (\(5,452) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 403.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 403.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 403.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 403.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.75 403.15 Td (\(5,452) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 403.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 390.01 Td (Proceeds \(repayments\) from issuance of long-term debt, net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.50 390.15 Td (127) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.50 390.15 Td (\(139) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 390.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.75 390.15 Td (\(8,212) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 390.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 390.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 549.75 390.15 Td (\(8,224) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 390.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 376.21 Td (Proceeds \(repayments\) from issuance of long-term debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 367.21 Td (intercompany, net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 367.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.25 367.20 Td (12,557) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.25 367.20 Td (\(12,557) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 367.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 367.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 564.00 367.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 354.01 Td (Change in deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 354.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.00 354.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.75 354.15 Td (8,555) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 354.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.75 354.15 Td (8,555) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 341.01 Td (Change in federal funds purchased and repos) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.00 341.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.25 341.15 Td (\(27,442) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 341.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.50 341.15 Td (500) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 341.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 545.25 341.15 Td (\(26,942) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 573.00 341.15 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 328.01 Td (Change in short-term borrowings) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 312.50 328.15 Td (\(845) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.00 328.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 328.15 Td (\(1,737) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.00 328.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.25 328.15 Td (\(34,674) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 328.15 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.00 328.15 Td () Tj ET Q BT 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0.9333333333333333 1 rg /GS0 gs 340.50 258.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 258.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 258.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 258.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 258.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 258.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 258.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 232.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 232.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 232.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 232.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 232.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 232.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 232.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 232.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 232.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 232.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 206.75 247.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 206.75 53.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 206.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 206.75 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 206.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 206.75 55.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 206.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 206.75 62.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 206.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 206.75 58.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 169.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 169.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 169.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 169.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 169.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 169.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 169.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 169.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 169.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 169.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 143.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 143.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 143.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 143.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 143.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 143.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 143.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 143.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 143.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 143.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 117.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 117.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 117.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 117.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 117.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 117.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 117.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 117.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 117.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 117.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 91.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 91.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 91.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 91.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 91.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 91.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 91.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 91.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 91.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 91.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 65.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 65.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 65.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 65.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 65.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 65.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 65.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 65.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 65.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 65.75 58.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 718.75 m 336.5 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 718.75 m 340.5 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 718.75 m 389.5 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 718.75 m 393.5 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 718.75 m 448.5 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 718.75 m 452.5 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 718.75 m 514.5 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 718.75 m 518.5 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 718.75 m 576.5 718.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 668.75 m 283.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 668.75 m 336.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 668.75 m 340.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 668.75 m 389.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 668.75 m 393.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 668.75 m 448.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 668.75 m 452.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 668.75 m 514.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 668.75 m 518.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 668.75 m 576.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 645.75 m 283.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 645.75 m 336.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 645.75 m 340.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 645.75 m 389.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 645.75 m 393.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 645.75 m 448.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 645.75 m 452.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 645.75 m 514.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 645.75 m 518.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 645.75 m 576.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 480.75 m 576.5 480.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 480.75 m 283.5 480.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 457.75 m 283.5 457.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 480.75 m 336.5 480.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 457.75 m 336.5 457.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 480.75 m 340.5 480.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 457.75 m 340.5 457.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 480.75 m 389.5 480.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 457.75 m 389.5 457.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 480.75 m 393.5 480.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 457.75 m 393.5 457.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 480.75 m 448.5 480.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 457.75 m 448.5 457.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 480.75 m 452.5 480.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 457.75 m 452.5 457.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 480.75 m 514.5 480.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 457.75 m 514.5 457.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 480.75 m 518.5 480.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 457.75 m 518.5 457.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 480.75 m 576.5 480.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 457.75 m 576.5 457.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 281.75 m 576.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 281.75 m 283.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 258.75 m 283.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 281.75 m 336.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 258.75 m 336.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 281.75 m 340.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 258.75 m 340.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 281.75 m 389.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 258.75 m 389.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 281.75 m 393.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 258.75 m 393.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 281.75 m 448.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 258.75 m 448.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 281.75 m 452.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 258.75 m 452.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 281.75 m 514.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 258.75 m 514.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 281.75 m 518.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 258.75 m 518.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 281.75 m 576.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 258.75 m 576.5 258.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 245.75 m 283.5 245.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 245.75 m 336.5 245.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 245.75 m 340.5 245.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 245.75 m 389.5 245.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 245.75 m 393.5 245.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 245.75 m 448.5 245.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 245.75 m 452.5 245.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 245.75 m 514.5 245.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 245.75 m 518.5 245.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 245.75 m 576.5 245.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 219.75 m 576.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 219.75 m 283.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 219.75 m 336.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 219.75 m 340.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 219.75 m 389.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 219.75 m 393.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 219.75 m 448.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 219.75 m 452.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 219.75 m 514.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 219.75 m 518.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 219.75 m 576.5 219.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 206.75 m 283.5 206.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 206.75 m 336.5 206.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 206.75 m 340.5 206.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 206.75 m 389.5 206.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 206.75 m 393.5 206.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 206.75 m 448.5 206.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 206.75 m 452.5 206.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 206.75 m 514.5 206.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 206.75 m 518.5 206.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 206.75 m 576.5 206.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 156.75 m 576.5 156.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 156.75 m 283.5 156.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 156.75 m 336.5 156.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 156.75 m 340.5 156.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 156.75 m 389.5 156.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 156.75 m 393.5 156.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 156.75 m 448.5 156.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 156.75 m 452.5 156.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 156.75 m 514.5 156.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 156.75 m 518.5 156.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 156.75 m 576.5 156.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 104.75 m 283.5 104.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 104.75 m 336.5 104.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 104.75 m 340.5 104.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 104.75 m 389.5 104.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 104.75 m 393.5 104.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 104.75 m 448.5 104.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 104.75 m 452.5 104.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 104.75 m 514.5 104.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 104.75 m 518.5 104.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 104.75 m 576.5 104.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 52.75 m 283.5 52.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 52.75 m 336.5 52.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 52.75 m 340.5 52.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 52.75 m 389.5 52.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 52.75 m 393.5 52.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 52.75 m 448.5 52.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 52.75 m 452.5 52.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 52.75 m 514.5 52.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 52.75 m 518.5 52.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 52.75 m 576.5 52.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.55 723.15 Td (Year ended December 31, 2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 673.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.65 691.20 Td (Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.65 682.20 Td (parent) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.95 673.20 Td (company) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.50 673.20 Td (CGMHI) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.15 709.20 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.65 700.20 Td (Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.45 691.20 Td (subsidiaries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.45 682.20 Td (and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.95 673.20 Td (eliminations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.45 682.20 Td (Consolidating) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.95 673.20 Td (adjustments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.65 682.20 Td (Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.95 673.20 Td (consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 659.20 Td (Net cash provided by \(used in\) operating activities of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 650.20 Td (continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 650.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 650.21 Td (5,940) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 650.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.25 650.21 Td (\(10,915) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 650.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 650.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 650.21 Td (51,318) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 650.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 650.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 650.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 650.21 Td (46,343) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 637.15 Td (Cash flows from investing activities of continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 624.01 Td (Purchases of investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 624.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 624.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 624.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.50 624.01 Td (\(188) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 624.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 624.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.75 624.01 Td (\(258,804) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 624.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 624.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 624.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 624.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.75 624.01 Td (\(258,992) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 624.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 611.01 Td (Proceeds from sales of investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 611.01 Td (41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 611.01 Td (42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.75 611.01 Td (135,741) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 611.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 611.01 Td (135,824) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 598.01 Td (Proceeds from maturities of investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 598.01 Td (155) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 598.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 598.01 Td (93,962) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 598.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 598.01 Td (94,117) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 585.01 Td (Change in deposits with banks) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 585.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 585.01 Td (4,183) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 585.01 Td (36,733) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 585.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 585.01 Td (40,916) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 572.01 Td (Change in loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 572.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 572.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 572.01 Td (1,170) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 572.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 572.01 Td (1,170) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 559.01 Td (Proceeds from sales and securitizations of loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 559.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 559.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 559.01 Td (4,752) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 559.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 559.01 Td (4,752) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 546.01 Td (Proceeds from significant disposals) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 546.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 546.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.50 546.01 Td (346) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 546.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 546.01 Td (346) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 533.01 Td (Payments due to transfers of net liabilities associated with) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 524.01 Td (significant disposals) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 524.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 524.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 524.21 Td (\(1,255) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 524.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 524.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 524.21 Td (\(1,255) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 524.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 511.01 Td (Change in federal funds sold and resales) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 511.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 511.01 Td (8,832) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 511.01 Td (5,635) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 511.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 511.01 Td (14,467) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 498.01 Td (Changes in investments and advancesintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.75 498.01 Td (\(7,986) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 498.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 498.01 Td (3,549) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 498.01 Td (4,437) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 498.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 498.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 485.01 Td (Other investing activities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 485.01 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.00 485.01 Td (\(72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 485.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 485.01 Td (\(2,696) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 485.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 485.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 485.01 Td (\(2,763) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 485.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 471.20 Td (Net cash provided by \(used in\) investing activities of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 462.20 Td (continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 462.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.75 462.21 Td (\(7,785) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 462.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 462.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 462.21 Td (16,346) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 462.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 462.21 Td (20,021) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 462.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 462.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 462.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 462.21 Td (28,582) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 449.15 Td (Cash flows from financing activities of continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 436.01 Td (Dividends paid) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 436.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 436.01 Td (\(633) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 436.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 436.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 436.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 436.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 436.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 436.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 436.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 436.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 436.01 Td (\(633) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 436.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 423.01 Td (Issuance of preferred stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 423.01 Td (3,699) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 423.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 423.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 423.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 423.01 Td (3,699) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 410.01 Td (Treasury stock acquired) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.75 410.01 Td (\(1,232) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 410.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 410.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 410.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 410.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 410.01 Td (\(1,232) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 410.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 397.01 Td (Proceeds \(repayments\) from issuance of long-term debt, net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.75 397.01 Td (\(3,636) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 397.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.50 397.01 Td (\(634) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 397.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 397.01 Td (12,183) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 397.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 397.01 Td (7,913) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 383.21 Td (Proceeds \(repayments\) from issuance of long-term debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 374.21 Td (intercompany, net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 374.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 374.21 Td (1,131) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 374.21 Td (\(1,131) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 374.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 374.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 374.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 361.01 Td (Change in deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 361.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 361.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 361.01 Td (\(48,336) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 361.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 361.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 361.01 Td (\(48,336) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 361.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 348.01 Td (Change in federal funds purchased and repos) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 348.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.25 348.01 Td (\(15,268) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 348.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 348.01 Td (\(14,806) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 348.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 348.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 348.01 Td (\(30,074) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 348.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 335.01 Td (Change in short-term borrowings) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 335.01 Td (749) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.50 335.01 Td (143) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 335.01 Td (\(1,991) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 335.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 335.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 335.01 Td (\(1,099) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 335.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 321.21 Td (Net change in short-term borrowings and other advances) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 312.21 Td (intercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 312.21 Td (3,297) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 312.21 Td (1,212) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 312.21 Td (\(4,509) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 312.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 312.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 312.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 299.01 Td (Capital contributions from parent) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 299.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 299.01 Td (8,500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 299.01 Td (\(8,500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 299.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 299.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 299.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 286.01 Td (Other financing activities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 286.01 Td (\(507) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 286.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 286.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 286.01 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 286.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 286.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 286.01 Td (\(508) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 286.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 272.20 Td (Net cash provided by \(used in\) financing activities of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 263.20 Td (continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 263.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 263.21 Td (1,737) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 263.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.75 263.21 Td (\(4,916) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 263.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 263.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 263.21 Td (\(67,091) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 263.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 263.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 263.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 263.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 263.21 Td (\(70,270) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 263.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 250.01 Td (Effect of exchange rate changes on cash and due from banks) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 250.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 250.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 250.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 250.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 250.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 250.01 Td (\(2,432) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 250.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 250.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 250.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 250.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 250.01 Td (\(2,432) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 250.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 237.15 Td (Change in cash and due from banks) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 237.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 237.01 Td (\(108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 237.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 237.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.50 237.01 Td (515) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 237.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 237.01 Td (1,816) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 237.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 237.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 237.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 237.01 Td (2,223) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 224.15 Td (Cash and due from banks at beginning of period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 224.01 Td (233) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 224.01 Td (1,236) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 224.01 Td (28,416) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 224.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 224.01 Td (29,885) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 211.15 Td (Cash and due from banks at end of period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 211.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 211.01 Td (125) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 211.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 211.01 Td (1,751) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 211.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 211.01 Td (30,232) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 211.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 211.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 211.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 211.01 Td (32,108) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 197.20 Td (Supplemental disclosure of cash flow information for) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 188.20 Td (continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 174.21 Td (Cash paid during the year for income taxes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 174.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 174.21 Td (235) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 174.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.50 174.21 Td (353) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 174.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 174.21 Td (4,044) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 174.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 174.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 174.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 174.21 Td (4,632) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 161.01 Td (Cash paid during the year for interest) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 161.01 Td (5,632) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 161.01 Td (2,298) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 161.01 Td (6,071) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 161.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 161.01 Td (14,001) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 148.15 Td (Non-cash investing activities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 135.01 Td (Change in loans due to consolidation/deconsolidation of VIEs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 135.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 135.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 135.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 135.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 135.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 135.01 Td (\(374) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 135.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 135.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 135.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 135.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 135.01 Td (\(374) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 135.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 122.01 Td (Transfers to loans held-for-sale from loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 122.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 122.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 122.01 Td (15,100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 122.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 122.01 Td (15,100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 109.01 Td (Transfers to OREO and other repossessed assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 109.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 109.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.50 109.01 Td (321) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 109.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 109.01 Td (321) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 96.15 Td (Non-cash financing activities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 83.01 Td (Decrease in deposits associated with reclassifications to HFS) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 83.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 83.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 83.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 83.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 83.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 83.01 Td (\(20,605) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 83.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 83.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 83.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 83.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 83.01 Td (\(20,605) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 83.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 70.01 Td (Increase in short-term borrowings due to consolidation of VIEs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 70.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 70.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.50 70.01 Td (500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 70.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 70.01 Td (500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 57.01 Td (Decrease in long-term debt due to deconsolidation of VIEs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 57.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 57.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 57.01 Td (\(864) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 57.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 57.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 57.01 Td (\(864) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 57.01 Td (\)) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 617 0 obj <> endobj 618 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (306) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 742.25 Td (Condensed Consolidating Statements of Cash Flows) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 645.75 247.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 645.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 645.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 645.75 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 645.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 645.75 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 645.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 645.75 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 645.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 645.75 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 618.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 618.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 618.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 618.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 618.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 618.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 618.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 618.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 618.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 618.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 592.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 592.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 592.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 592.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 592.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 592.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 592.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 592.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 592.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 592.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 566.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 566.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 566.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 566.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 566.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 566.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 566.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 566.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 566.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 566.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 540.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 540.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 540.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 540.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 540.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 540.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 540.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 540.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 540.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 540.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 514.75 247.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 514.75 53.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 514.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 514.75 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 514.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 514.75 55.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 514.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 514.75 62.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 514.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 514.75 58.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 478.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 478.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 478.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 478.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 478.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 478.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 478.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 478.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 478.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 478.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 452.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 452.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 452.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 452.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 452.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 452.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 452.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 452.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 452.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 452.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 426.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 426.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 426.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 426.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 426.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 426.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 426.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 426.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 426.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 426.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 390.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 390.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 390.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 390.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 390.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 390.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 390.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 390.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 390.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 390.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 364.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 364.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 364.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 364.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 364.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 364.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 364.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 364.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 364.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 364.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 328.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 328.75 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 328.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 328.75 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 328.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 328.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 328.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 328.75 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 328.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 328.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 302.75 247.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 302.75 53.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 302.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 302.75 49.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 302.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 302.75 55.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 302.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 302.75 62.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 302.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 302.75 58.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 266.75 247.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 266.75 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RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 668.75 m 336.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 668.75 m 340.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 668.75 m 389.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 668.75 m 393.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 668.75 m 448.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 668.75 m 452.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 668.75 m 514.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 668.75 m 518.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 668.75 m 576.5 668.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 645.75 m 283.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 645.75 m 336.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 645.75 m 340.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 645.75 m 389.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 645.75 m 393.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 645.75 m 448.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 645.75 m 452.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 645.75 m 514.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 645.75 m 518.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 645.75 m 576.5 645.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 514.75 m 576.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 514.75 m 283.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 491.75 m 283.5 491.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 514.75 m 336.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 491.75 m 336.5 491.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 514.75 m 340.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 491.75 m 340.5 491.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 514.75 m 389.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 491.75 m 389.5 491.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 514.75 m 393.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 491.75 m 393.5 491.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 514.75 m 448.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 491.75 m 448.5 491.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 514.75 m 452.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 491.75 m 452.5 491.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 514.75 m 514.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 491.75 m 514.5 491.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 514.75 m 518.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 491.75 m 518.5 491.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 514.75 m 576.5 514.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 491.75 m 576.5 491.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 302.75 m 576.5 302.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 302.75 m 283.5 302.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 279.75 m 283.5 279.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 302.75 m 336.5 302.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 279.75 m 336.5 279.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 302.75 m 340.5 302.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 279.75 m 340.5 279.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 302.75 m 389.5 302.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 279.75 m 389.5 279.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 302.75 m 393.5 302.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 279.75 m 393.5 279.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 302.75 m 448.5 302.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 279.75 m 448.5 279.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 302.75 m 452.5 302.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 279.75 m 452.5 279.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 302.75 m 514.5 302.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 279.75 m 514.5 279.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 302.75 m 518.5 302.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 279.75 m 518.5 279.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 302.75 m 576.5 302.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 279.75 m 576.5 279.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 266.75 m 283.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 266.75 m 336.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 266.75 m 340.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 266.75 m 389.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 266.75 m 393.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 266.75 m 448.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 266.75 m 452.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 266.75 m 514.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 266.75 m 518.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 266.75 m 576.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 240.75 m 283.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 240.75 m 336.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 240.75 m 340.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 240.75 m 389.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 240.75 m 393.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 240.75 m 448.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 240.75 m 452.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 240.75 m 514.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 240.75 m 518.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 240.75 m 576.5 240.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 214.75 m 576.5 214.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 214.75 m 283.5 214.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 201.75 m 283.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 214.75 m 336.5 214.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 201.75 m 336.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 214.75 m 340.5 214.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 201.75 m 340.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 214.75 m 389.5 214.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 201.75 m 389.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 214.75 m 393.5 214.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 201.75 m 393.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 214.75 m 448.5 214.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 201.75 m 448.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 214.75 m 452.5 214.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 201.75 m 452.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 214.75 m 514.5 214.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 201.75 m 514.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 214.75 m 518.5 214.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 201.75 m 518.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 214.75 m 576.5 214.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 201.75 m 576.5 201.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 152.75 m 576.5 152.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 152.75 m 283.5 152.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 152.75 m 336.5 152.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 152.75 m 340.5 152.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 152.75 m 389.5 152.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 152.75 m 393.5 152.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 152.75 m 448.5 152.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 152.75 m 452.5 152.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 152.75 m 514.5 152.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 152.75 m 518.5 152.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 152.75 m 576.5 152.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 100.75 m 576.5 100.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 100.75 m 283.5 100.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 100.75 m 336.5 100.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 100.75 m 340.5 100.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 100.75 m 389.5 100.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 100.75 m 393.5 100.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 100.75 m 448.5 100.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 100.75 m 452.5 100.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 100.75 m 514.5 100.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 100.75 m 518.5 100.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 100.75 m 576.5 100.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 74.75 m 283.5 74.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 74.75 m 336.5 74.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 74.75 m 340.5 74.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 74.75 m 389.5 74.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 74.75 m 393.5 74.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 74.75 m 448.5 74.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 74.75 m 452.5 74.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 74.75 m 514.5 74.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 74.75 m 518.5 74.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 74.75 m 576.5 74.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.55 723.15 Td (Year ended December 31, 2013) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 673.00 Td (In millions of dollars) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.65 691.20 Td (Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.65 682.20 Td (parent) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.95 673.20 Td (company) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.50 673.20 Td (CGMHI) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.15 709.20 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.65 700.20 Td (Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 399.45 691.20 Td (subsidiaries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 430.45 682.20 Td (and) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 397.95 673.20 Td (eliminations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.45 682.20 Td (Consolidating) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 463.95 673.20 Td (adjustments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 535.65 682.20 Td (Citigroup) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 524.95 673.20 Td (consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 659.20 Td (Net cash provided by \(used in\) operating activities of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 48.00 650.20 Td (continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 650.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.75 650.21 Td (\(7,881) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 650.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 650.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.75 650.21 Td (\(5,692) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 650.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 650.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 650.21 Td (76,817) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 650.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 650.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 650.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 650.21 Td (63,244) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 636.20 Td (Cash flows from investing activities of continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 623.01 Td (Purchases of investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 623.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 623.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 623.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.00 623.01 Td (\(34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 623.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 623.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.75 623.01 Td (\(220,789) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 623.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 623.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 623.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 623.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 540.75 623.01 Td (\(220,823) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 623.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 610.01 Td (Proceeds from sales of investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 610.01 Td (385) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 610.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.75 610.01 Td (130,715) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 610.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.75 610.01 Td (131,100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 597.01 Td (Proceeds from maturities of investments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 597.01 Td (233) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 597.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 597.01 Td (84,598) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 597.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 597.01 Td (84,831) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 584.01 Td (Change in deposits with banks) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 584.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 584.01 Td (6,242) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 584.01 Td (\(73,113) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 584.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 584.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 584.01 Td (\(66,871) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 584.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 571.01 Td (Change in loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 571.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 571.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 571.01 Td (\(30,198) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 571.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 571.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 571.01 Td (\(30,198) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 571.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 558.01 Td (Proceeds from sales and securitizations of loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 558.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 558.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 558.01 Td (9,123) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 558.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 558.01 Td (9,123) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 545.01 Td (Change in federal funds sold and resales) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 545.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.75 545.01 Td (\(2,838) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 545.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 545.01 Td (7,112) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 545.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 545.01 Td (4,274) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 532.01 Td (Changes in investments and advancesintercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 532.01 Td (7,226) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.75 532.01 Td (\(2,118) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 532.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 532.01 Td (\(5,108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 532.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 532.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 532.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 519.01 Td (Other investing activities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 519.01 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.50 519.01 Td (\(171) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 519.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 519.01 Td (\(2,607) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 519.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 519.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 519.01 Td (\(2,774) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 519.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 505.20 Td (Net cash provided by \(used in\) investing activities of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 496.20 Td (continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 496.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 496.21 Td (7,848) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 496.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 496.21 Td (1,081) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 496.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.75 496.21 Td (\(100,267) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 496.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 496.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 496.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 496.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.25 496.21 Td (\(91,338) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 496.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 483.15 Td (Cash flows from financing activities of continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 470.01 Td (Dividends paid) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 470.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 470.01 Td (\(314) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 470.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 470.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 470.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 470.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 470.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 470.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 470.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 470.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 470.01 Td (\(314) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 470.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 457.01 Td (Issuance of preferred stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 457.01 Td (4,192) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 457.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 457.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 457.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 457.01 Td (4,192) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 444.01 Td (Redemption of preferred stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 444.01 Td (\(94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 444.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 444.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 444.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 444.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 444.01 Td (\(94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 444.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 431.01 Td (Treasury stock acquired) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 431.01 Td (\(837) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 431.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 431.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 431.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 431.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 431.01 Td (\(837) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 431.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 418.01 Td (Proceeds \(repayments\) from issuance of long-term debt, net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.25 418.01 Td (\(13,426) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 418.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 418.01 Td (53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 418.01 Td (3,784) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 418.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 418.01 Td (\(9,589) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 418.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 404.21 Td (Proceeds \(repayments\) from issuance of long-term debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 395.21 Td (intercompany, net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 395.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.50 395.21 Td (\(202) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 395.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.50 395.21 Td (202) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 395.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 395.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 382.01 Td (Change in deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 382.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 382.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 382.01 Td (37,713) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 382.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 382.01 Td (37,713) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 369.01 Td (Change in federal funds purchased and repos) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 369.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 369.01 Td (2,768) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 369.01 Td (\(10,492) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 369.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 369.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 369.01 Td (\(7,724) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 369.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 356.01 Td (Change in short-term borrowings) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 356.01 Td (\(359) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 356.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 356.01 Td (1,130) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 356.01 Td (\(572) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 356.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 356.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 356.01 Td (199) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 342.21 Td (Net change in short-term borrowings and other advances) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 333.21 Td (intercompany) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 333.21 Td (11,402) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.25 333.21 Td (\(13,149) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 333.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 333.21 Td (1,747) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 333.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 333.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 320.01 Td (Capital contributions from parent) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 320.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.25 320.01 Td (12,330) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 320.01 Td (\(12,330) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 320.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 320.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 320.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 307.01 Td (Other financing activities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 307.01 Td (\(451) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 307.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 307.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 307.01 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 307.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 307.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 307.01 Td (\(452) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 307.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 293.20 Td (Net cash provided by \(used in\) financing activities of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 284.20 Td (continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 284.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 284.21 Td (113) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 284.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 284.21 Td (2,930) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 284.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 284.21 Td (20,051) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 284.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 284.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 284.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 284.21 Td (23,094) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 271.01 Td (Effect of exchange rate changes on cash and due from banks) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 271.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 271.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 271.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 271.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 271.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 271.01 Td (\(1,558) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 271.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 271.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 271.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 271.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 271.01 Td (\(1,558) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 271.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 258.15 Td (Discontinued operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 258.01 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 245.15 Td (Net cash used in discontinued operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 245.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 245.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 245.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 245.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 245.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 245.01 Td (\(10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 245.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 245.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 245.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 245.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 561.00 245.01 Td (\(10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 245.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 232.15 Td (Change in cash and due from banks) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 232.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 232.01 Td (80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 232.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.75 232.01 Td (\(1,681) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 232.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 232.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 232.01 Td (\(4,967) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 232.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 232.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 232.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 232.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.75 232.01 Td (\(6,568) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 573.00 232.01 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 219.15 Td (Cash and due from banks at beginning of period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 219.01 Td (153) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 219.01 Td (2,917) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 219.01 Td (33,383) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 219.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 219.01 Td (36,453) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 206.15 Td (Cash and due from banks at end of period) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 206.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.50 206.01 Td (233) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 206.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 206.01 Td (1,236) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 206.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 206.01 Td (28,416) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 206.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 206.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 206.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 206.01 Td (29,885) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 192.20 Td (Supplemental disclosure of cash flow information for) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 183.20 Td (continuing operations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 170.01 Td (Cash paid during the year for income taxes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 170.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 170.01 Td (\(71) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 170.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 170.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.00 170.01 Td (\(20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 170.01 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 170.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 170.01 Td (4,586) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 170.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 170.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 170.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 170.01 Td (4,495) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 157.01 Td (Cash paid during the year for interest) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.75 157.01 Td (6,514) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 157.01 Td (2,575) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 157.01 Td (6,566) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 157.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 157.01 Td (15,655) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 144.15 Td (Non-cash investing activities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 131.01 Td (Change in loans due to consolidation/deconsolidation of VIEs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.00 131.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 131.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 131.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 131.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 131.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 131.01 Td (6,718) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 131.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 131.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 521.00 131.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 131.01 Td (6,718) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 118.01 Td (Transfers to loans held-for-sale from loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 118.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 118.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 118.01 Td (17,300) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 118.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 548.25 118.01 Td (17,300) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 105.01 Td (Transfers to OREO and other repossessed assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 105.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 105.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 431.50 105.01 Td (325) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 105.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.50 105.01 Td (325) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 92.15 Td (Non-cash financing activities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 79.01 Td (Increase in short-term borrowings due to consolidation of VIEs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.00 79.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 79.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 79.01 Td (6,718) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 502.00 79.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.75 79.01 Td (6,718) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 619 0 obj <> endobj 620 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (307) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (30. SUBSEQUENT) Tj ET Q q 0 0 0 rg BT 118.07 749.25 Td ( EVENT) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (Citi uses the U.S. dollar as the functional currency for its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (operations in ) Tj ET Q q 0 0 0 rg BT 90.25 713.25 Td (V) Tj ET Q q 0 0 0 rg BT 96.37 713.25 Td (enezuela. On February 17, 2016, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (V) Tj ET Q q 0 0 0 rg BT 42.11 701.25 Td (enezuelan government announced changes to its foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (exchange controls. Based on this announcement, Citi expects ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.25 Td (to begin using the SIMADI rate in the first quarter of 2016 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (remeasure its net bolivar) Tj ET Q q 0 0 0 rg BT 134.37 665.25 Td (-denominated monetary assets, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (despite the possibly limited availability of U.S. dollars ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.25 Td (\(notwithstanding the fact that it has been described as a free ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.25 Td (floating rate\) and although the new SIMADI rate may not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.25 Td (necessarily be reflective of economic reality) Tj ET Q q 0 0 0 rg BT 212.21 617.25 Td (. Re-measurement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (of Citi) Tj ET Q q 0 0 0 rg BT 64.61 605.25 Td (s bolivar) Tj ET Q q 0 0 0 rg BT 99.13 605.25 Td (-denominated assets and liabilities due to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 593.25 Td (changes in the exchange rate is recorded in earnings. ) Tj ET Q q 0 0 0 rg BT 248.69 593.25 Td (At the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 749.10 Td (expected minimum new SIMADI rate of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.96 749.10 Td (202) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.96 749.10 Td ( bolivars per U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (dollar) Tj ET Q q 0 0 0 rg BT 346.92 737.10 Td (, Citi estimates that it will incur an approximate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.22 737.10 Td ($172 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.89 725.10 Td ( foreign currency loss in the first quarter of 2016, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (which could increase if the bolivar continues to devalue in the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (new SIMADI market. ) Tj ET Q q 0 0 0 rg BT 413.43 701.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 463.33 701.10 Td (, Citi expects its revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (and expenses will be translated at the SIMADI rate beginning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (in the first quarter of 2016. Because the new foreign exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (control rules have not yet been of) Tj ET Q q 0 0 0 rg BT 457.66 665.10 Td (ficially published and are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (thus not yet ef) Tj ET Q q 0 0 0 rg BT 380.75 653.10 Td (fective, however) Tj ET Q q 0 0 0 rg BT 446.98 653.10 Td (, the impact to Citi) Tj ET Q q 0 0 0 rg BT 524.47 653.10 Td (s results of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (operations as a result of the February 17th announcement is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (not yet certain. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 569.25 Td (31. SELECTED QUAR) Tj ET Q q 0 0 0 rg BT 138.45 569.25 Td (TERL) Tj ET Q q 0 0 0 rg BT 164.76 569.25 Td (Y) Tj ET Q q 0 0 0 rg BT 171.61 569.25 Td ( FINANCIAL) Tj ET Q q 0 0 0 rg BT 230.23 569.25 Td ( DA) Tj ET Q q 0 0 0 rg BT 246.43 569.25 Td (T) Tj ET Q q 0 0 0 rg BT 252.36 569.25 Td (A) Tj ET Q q 0 0 0 rg BT 259.03 569.25 Td ( \(UNAUDITED\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 517.75 206.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 517.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 517.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 517.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 517.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 517.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 517.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 517.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 517.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 489.75 206.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 489.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 489.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 489.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 489.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 489.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 489.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 489.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 489.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 452.75 206.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 452.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 452.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 452.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 452.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 452.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 452.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 452.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 452.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 424.75 206.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 424.75 41.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 424.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 424.75 41.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 424.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 424.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 424.75 41.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 424.75 42.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 424.75 43.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 378.75 206.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 378.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 378.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 378.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 378.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 378.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 378.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 378.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 378.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 350.75 206.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 350.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 350.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 350.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 350.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 350.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 350.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 350.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 350.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 322.75 206.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 322.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 322.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 322.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 322.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 322.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 322.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 322.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 322.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 294.75 206.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 294.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 294.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 294.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 294.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 294.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 294.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 294.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 294.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 266.75 206.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 266.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 266.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 266.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 266.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 266.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 266.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 266.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 266.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 238.75 206.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 238.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 238.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 238.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 238.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 238.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 238.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 238.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 238.75 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 35.50 210.75 206.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 210.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 210.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 210.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 210.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 210.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 210.75 41.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 210.75 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 210.75 43.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 532.75 m 282.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 532.75 m 324.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 532.75 m 365.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 532.75 m 407.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 532.75 m 449.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 532.75 m 490.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 532.75 m 532.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 532.75 m 575.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 517.75 m 241.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 517.75 m 282.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 532.75 m 324.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 517.75 m 324.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 532.75 m 365.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 517.75 m 365.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 532.75 m 407.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 532.75 m 407.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 517.75 m 407.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 517.75 m 449.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 532.75 m 490.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 517.75 m 490.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 532.75 m 532.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 517.75 m 532.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 532.75 m 575.5 532.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 517.75 m 575.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 517.75 m 282.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 517.75 m 324.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 517.75 m 365.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 517.75 m 407.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 517.75 m 407.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 517.75 m 449.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 517.75 m 490.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 517.75 m 532.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 517.75 m 575.5 517.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 503.75 m 407.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 489.75 m 407.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 475.75 m 241.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 475.75 m 282.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 475.75 m 324.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 475.75 m 365.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 475.75 m 407.5 452.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 475.75 m 407.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 475.75 m 449.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 475.75 m 490.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 475.75 m 532.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 475.75 m 575.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 438.75 m 282.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 438.75 m 324.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 438.75 m 365.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 452.75 m 407.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 438.75 m 407.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 438.75 m 241.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 438.75 m 282.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 438.75 m 324.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 438.75 m 365.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 438.75 m 407.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 438.75 m 407.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 438.75 m 449.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 438.75 m 490.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 438.75 m 532.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 438.75 m 575.5 438.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 401.75 m 241.5 401.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 401.75 m 282.5 401.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 401.75 m 324.5 401.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 401.75 m 365.5 401.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 424.75 m 407.5 401.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 401.75 m 407.5 401.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 401.75 m 449.5 401.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 401.75 m 490.5 401.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 401.75 m 532.5 401.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 401.75 m 575.5 401.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 401.75 m 407.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 364.75 m 282.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 364.75 m 324.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 364.75 m 365.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 378.75 m 407.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 364.75 m 407.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 364.75 m 241.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 350.75 m 241.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 364.75 m 282.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 350.75 m 282.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 364.75 m 324.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 350.75 m 324.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 364.75 m 365.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 350.75 m 365.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 364.75 m 407.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 364.75 m 407.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 350.75 m 407.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 364.75 m 449.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 350.75 m 449.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 364.75 m 490.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 350.75 m 490.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 364.75 m 532.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 350.75 m 532.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 364.75 m 575.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 350.75 m 575.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 350.75 m 241.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 350.75 m 282.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 350.75 m 324.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 350.75 m 365.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 350.75 m 407.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 350.75 m 407.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 336.75 m 407.5 322.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 322.75 m 407.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 308.75 m 407.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 294.75 m 407.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 280.75 m 407.5 266.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 266.75 m 407.5 252.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 252.75 m 407.5 238.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 238.75 m 407.5 224.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 224.75 m 407.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 210.75 m 407.5 196.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 182.75 m 241.5 182.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 182.75 m 282.5 182.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 182.75 m 324.5 182.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 182.75 m 365.5 182.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 196.75 m 407.5 182.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 182.75 m 407.5 182.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 182.75 m 449.5 182.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 182.75 m 490.5 182.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 182.75 m 532.5 182.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 182.75 m 575.5 182.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 537.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.00 537.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 537.21 Td (2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 38.00 522.00 Td (Inmillionsofdollars,exceptpershareamounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.00 522.20 Td (Fourth) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.70 522.20 Td (Third) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 330.70 522.20 Td (Second) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 376.75 522.20 Td (First) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.95 522.21 Td (Fourth) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.50 522.21 Td (Third) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.75 522.21 Td (Second) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.20 522.21 Td (First) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 508.20 Td (Revenues, net of interest expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 508.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.25 508.20 Td (18,456) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.00 508.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.25 508.20 Td (18,692) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 508.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.25 508.20 Td (19,470) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.00 508.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.25 508.20 Td (19,736) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 508.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 508.21 Td (17,899) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 508.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.25 508.21 Td (19,689) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 508.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.25 508.21 Td (19,425) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 508.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 508.21 Td (20,206) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 494.21 Td (Operating expenses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.25 494.20 Td (11,134) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 296.25 494.20 Td (10,669) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.25 494.20 Td (10,928) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 379.25 494.20 Td (10,884) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.25 494.21 Td (14,426) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.25 494.21 Td (12,955) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 504.25 494.21 Td (15,521) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.25 494.21 Td (12,149) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 480.21 Td (Provisions for credit losses and for benefits and claims) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.75 480.20 Td (2,514) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.75 480.20 Td (1,836) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.75 480.20 Td (1,648) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.75 480.20 Td (1,915) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.75 480.21 Td (2,013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 480.21 Td (1,750) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 480.21 Td (1,730) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 480.21 Td (1,974) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 466.20 Td (Income from continuing operations before income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 457.20 Td (taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 457.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.75 457.20 Td (4,808) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.00 457.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.75 457.20 Td (6,187) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 457.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.75 457.20 Td (6,894) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.00 457.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.75 457.20 Td (6,937) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 457.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.75 457.21 Td (1,460) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 457.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 457.21 Td (4,984) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 457.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 457.21 Td (2,174) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 457.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 457.21 Td (6,083) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 443.21 Td (Income taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.75 443.20 Td (1,403) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.75 443.20 Td (1,881) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.75 443.20 Td (2,036) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.75 443.20 Td (2,120) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.75 443.21 Td (1,077) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 443.21 Td (2,068) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 443.21 Td (1,921) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 443.21 Td (2,131) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 429.20 Td (Income from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 429.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.75 429.20 Td (3,405) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.00 429.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.75 429.20 Td (4,306) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 429.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.75 429.20 Td (4,858) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.00 429.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.75 429.20 Td (4,817) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 429.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.50 429.21 Td (383) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 429.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 429.21 Td (2,916) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 429.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.50 429.21 Td (253) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 429.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 429.21 Td (3,952) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 415.21 Td (Income \(loss\) from discontinued operations, net of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 406.21 Td (taxes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 267.00 406.20 Td (\(45) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 406.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.00 406.20 Td (\(10) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.00 406.20 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 357.50 406.20 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 396.50 406.20 Td (\(5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 406.20 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 406.21 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 406.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 406.21 Td (\(16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 406.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.00 406.21 Td (\(22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 406.21 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 406.21 Td (37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 392.20 Td (Net income before attribution of noncontrolling) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 383.20 Td (interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 383.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.75 383.20 Td (3,360) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.00 383.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.75 383.20 Td (4,296) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 383.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.75 383.20 Td (4,864) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.00 383.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.75 383.20 Td (4,812) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 383.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.50 383.21 Td (382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 383.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 383.21 Td (2,900) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 383.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.50 383.21 Td (231) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 383.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 383.21 Td (3,989) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 369.21 Td (Noncontrolling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 270.00 369.20 Td (25) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.50 369.20 Td (5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 353.00 369.20 Td (18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 369.20 Td (42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.00 369.21 Td (38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 369.21 Td (59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.00 369.21 Td (50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 563.00 369.21 Td (45) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 355.20 Td (Citigroups net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 355.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.75 355.20 Td (3,335) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.00 355.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.75 355.20 Td (4,291) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 355.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.75 355.20 Td (4,846) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.00 355.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.75 355.20 Td (4,770) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 355.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.50 355.21 Td (344) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 355.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 355.21 Td (2,841) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 355.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.50 355.21 Td (181) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 355.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 355.21 Td (3,944) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 341.20 Td (Earnings per) Tj ET Q q 0 0 0 rg BT 88.09 341.20 Td ( shar) Tj ET Q q 0 0 0 rg BT 107.18 341.20 Td (e) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 111.18 345.28 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 279.00 341.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 341.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 341.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.00 341.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 341.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 341.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 341.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 341.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 327.20 Td (Basic) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 279.00 327.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 327.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 327.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.00 327.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 327.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 327.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 327.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 327.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 313.21 Td (Income from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 313.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.25 313.20 Td (1.04) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 285.00 313.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.25 313.20 Td (1.36) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.00 313.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.25 313.20 Td (1.51) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.00 313.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.25 313.20 Td (1.51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 313.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.25 313.21 Td (0.06) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 313.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.25 313.21 Td (0.89) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 313.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.25 313.21 Td (0.03) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.00 313.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 313.21 Td (1.23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 299.21 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.25 299.20 Td (1.02) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.25 299.20 Td (1.36) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.25 299.20 Td (1.52) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.25 299.20 Td (1.51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.25 299.21 Td (0.06) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.25 299.21 Td (0.88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.25 299.21 Td (0.03) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 299.21 Td (1.24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 285.20 Td (Diluted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 285.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.00 285.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.00 285.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 285.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 285.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 285.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 285.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 285.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 271.21 Td (Income from continuing operations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.25 271.20 Td (1.03) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.25 271.20 Td (1.36) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.25 271.20 Td (1.51) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.25 271.20 Td (1.51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.25 271.21 Td (0.06) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.25 271.21 Td (0.88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.25 271.21 Td (0.03) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 271.21 Td (1.22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 257.21 Td (Net income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.25 257.20 Td (1.02) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.25 257.20 Td (1.35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.25 257.20 Td (1.51) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.25 257.20 Td (1.51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.25 257.21 Td (0.06) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.25 257.21 Td (0.88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.25 257.21 Td (0.03) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 257.21 Td (1.23) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 243.20 Td (Common stock price per share) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 279.00 243.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 321.00 243.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.00 243.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.00 243.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 243.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 243.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.00 243.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 572.00 243.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 229.21 Td (High) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.75 229.20 Td (55.87) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.75 229.20 Td (60.34) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.75 229.20 Td (57.39) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.75 229.20 Td (54.26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.75 229.21 Td (56.37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 229.21 Td (53.66) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 229.21 Td (49.58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 229.21 Td (55.20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 215.21 Td (Low) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.75 215.20 Td (49.88) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.75 215.20 Td (49.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.75 215.20 Td (51.52) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.75 215.20 Td (46.95) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.75 215.21 Td (49.68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 215.21 Td (46.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 215.21 Td (45.68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 215.21 Td (46.34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 201.21 Td (Close) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 258.75 201.20 Td (51.75) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.75 201.20 Td (49.61) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 341.75 201.20 Td (55.24) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.75 201.20 Td (51.52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.75 201.21 Td (54.11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 201.21 Td (51.82) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 201.21 Td (47.10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 551.75 201.21 Td (47.60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 187.21 Td (Dividends per share of common stock) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.25 187.20 Td (0.05) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.25 187.20 Td (0.05) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.25 187.20 Td (0.05) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.25 187.20 Td (0.01) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.25 187.21 Td (0.01) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.25 187.21 Td (0.01) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.25 187.21 Td (0.01) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.25 187.21 Td (0.01) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 164.05 Td (This Note to the Consolidated Financial Statements is unaudited due to the Company) Tj ET Q q 0 0 0 rg BT 310.63 164.05 Td (s individual quarterly results not being subject to an audit.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 144.85 Td (\(1\) Due to averaging of shares, quarterly earnings per share may not sum to the totals reported for the full year) Tj ET Q q 0 0 0 rg BT 392.99 144.85 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 109.60 113.65 Td ([End of Consolidated Financial Statements and Notes to Consolidated Financial Statements]) Tj ET Q endstream endobj 621 0 obj <> endobj 622 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (308) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (FINANCIAL) Tj ET Q q 0 0 0 rg BT 103.34 747.90 Td ( DA) Tj ET Q q 0 0 0 rg BT 122.78 747.90 Td (T) Tj ET Q q 0 0 0 rg BT 129.90 747.90 Td (A) Tj ET Q q 0 0 0 rg BT 137.90 747.90 Td ( SUPPLEMENT) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 723.90 Td (RA) Tj ET Q q 0 0 0 rg BT 49.70 723.90 Td (TIOS ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 699.40 132.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 699.40 40.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 699.40 40.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 699.40 40.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 653.40 132.00 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208.5 699.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 699.4 m 248.5 699.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 248.5 699.4 m 288.5 699.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 593.4 m 168.5 593.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 593.4 m 208.5 593.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 593.4 m 248.5 593.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 248.5 593.4 m 288.5 593.4 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.00 703.85 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.00 703.86 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 703.86 Td (2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 689.86 Td (Citigroups net income to average) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 680.86 Td (assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.25 680.85 Td (0.95) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 199.00 680.85 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 224.75 680.86 Td (0.39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 240.50 680.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 680.86 Td (0.73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.50 680.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 666.86 Td (Return on average common ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 657.86 Td (stockholders) Tj ET Q q 0 0 0 rg BT 95.82 657.86 Td ( equity) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 120.57 661.94 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.75 657.85 Td (8.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.25 657.86 Td (3.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.25 657.86 Td (7.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 643.86 Td (Return on average total ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 634.86 Td (stockholders) Tj ET Q q 0 0 0 rg BT 95.82 634.86 Td ( equity) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 120.57 638.94 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.75 634.85 Td (7.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.25 634.86 Td (3.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.25 634.86 Td (6.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 620.86 Td (T) Tj ET Q q 0 0 0 rg BT 43.87 620.86 Td (otal average equity to average ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 48.00 611.86 Td (assets) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 69.00 615.94 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.25 611.85 Td (11.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 224.75 611.86 Td (11.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 611.86 Td (10.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 597.86 Td (Dividend payout ratio) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 117.98 601.94 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.75 597.85 Td (3.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.25 597.86 Td (1.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.25 597.86 Td (0.9) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 576.30 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 576.30 Td (Based on Citigroup) Tj ET Q q 0 0 0 rg BT 118.44 576.30 Td (s net income less preferred stock dividends as a percentage of average common stockholders) Tj ET Q q 0 0 0 rg BT 417.07 576.30 Td ( equity) Tj ET Q q 0 0 0 rg BT 438.55 576.30 Td (. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 566.70 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 566.70 Td (Based on Citigroup) Tj ET Q q 0 0 0 rg BT 118.44 566.70 Td (s net income as a percentage of average total Citigroup stockholders) Tj ET Q q 0 0 0 rg BT 338.66 566.70 Td ( equity) Tj ET Q q 0 0 0 rg BT 360.13 566.70 Td (.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 54.00 557.10 Td (Based on average Citigroup stockholders) Tj ET Q q 0 0 0 rg BT 187.59 557.10 Td ( equity as a percentage of average assets.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 547.50 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 54.00 547.50 Td (Dividends declared per common share as a percentage of net income per diluted share.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 513.90 Td (A) Tj ET Q q 0 0 0 rg BT 41.93 513.90 Td (VERAGE DEPOSIT) Tj ET Q q 0 0 0 rg BT 130.94 513.90 Td ( LIABILITIES IN OFFICES OUTSIDE ) Tj ET Q q 0 0 0 rg BT 304.42 513.90 Td (THE U.S.) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 345.82 518.43 Td (\(1\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 468.40 166.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 202.50 468.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 468.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 468.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 468.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 468.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 468.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 442.40 166.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 202.50 442.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 442.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 442.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 442.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 442.40 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 442.40 60.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 490.4 m 262.5 490.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 490.4 m 322.5 490.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 490.4 m 382.5 490.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 490.4 m 442.5 490.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 490.4 m 502.5 490.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 490.4 m 562.5 490.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 468.4 m 202.5 468.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 490.4 m 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262.5 468.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 468.4 m 322.5 468.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 468.4 m 382.5 468.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 468.4 m 442.5 468.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 468.4 m 502.5 468.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 468.4 m 562.5 468.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 429.4 m 202.5 429.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 429.4 m 262.5 429.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 429.4 m 322.5 429.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 429.4 m 382.5 429.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 429.4 m 442.5 429.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 429.4 m 502.5 429.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 429.4 m 562.5 429.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 429.4 m 202.5 429.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 416.4 m 202.5 416.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 429.4 m 262.5 429.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 202.5 416.4 m 262.5 416.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 429.4 m 322.5 429.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 416.4 m 322.5 416.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 429.4 m 382.5 429.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 416.4 m 382.5 416.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 429.4 m 442.5 429.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 416.4 m 442.5 416.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 429.4 m 502.5 429.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 416.4 m 502.5 416.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 429.4 m 562.5 429.4 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 416.4 m 562.5 416.4 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 301.00 494.80 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.00 494.66 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 541.00 494.66 Td (2013) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 472.65 Td (In millions of dollars at year end except ratios) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.65 481.80 Td (Average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.40 472.80 Td (interest rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.65 481.80 Td (Average) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.45 472.80 Td (balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.15 481.66 Td (Average) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.75 472.66 Td (interest rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.15 481.66 Td (Average) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.50 472.66 Td (balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.15 481.66 Td (Average) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.75 472.66 Td (interest rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.15 481.66 Td (Average) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.50 472.66 Td (balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 459.66 Td (Banks) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 237.25 459.80 Td (0.44) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.00 459.80 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.00 459.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.25 459.80 Td (46,664) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.75 459.66 Td (0.48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.50 459.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 459.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.25 459.66 Td (61,705) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 459.66 Td (0.68) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 459.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 459.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 459.66 Td (63,759) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 446.66 Td (Other demand deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 237.25 446.80 Td (0.48) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 446.80 Td (249,498) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.75 446.66 Td (0.58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.75 446.66 Td (229,880) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 446.66 Td (0.57) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 446.66 Td (220,599) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 39.00 433.66 Td (Other time and savings deposits) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 153.98 437.74 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 237.25 433.80 Td (1.19) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 433.80 Td (198,733) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.75 433.66 Td (1.08) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.75 433.66 Td (243,630) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 433.66 Td (1.06) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 433.66 Td (262,924) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 420.80 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 237.25 420.80 Td (0.76) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 253.00 420.80 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.00 420.80 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.75 420.80 Td (494,895) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.75 420.66 Td (0.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.50 420.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.00 420.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.75 420.66 Td (535,215) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 420.66 Td (0.82) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.50 420.66 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 420.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 420.66 Td (547,282) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 399.30 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 54.00 399.30 Td (Interest rates and amounts include the ef) Tj ET Q q 0 0 0 rg BT 183.14 399.30 Td (fects of risk management activities and also reflect the impact of the local interest rates prevailing in certain countries.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 36.00 389.70 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 54.00 389.70 Td (Primarily consists of certificates of deposit and other time deposits in denominations of $100,000 or more. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 353.70 Td (MA) Tj ET Q q 0 0 0 rg BT 51.92 353.70 Td (TURITY) Tj ET Q q 0 0 0 rg BT 90.44 353.70 Td ( PROFILE OF) Tj ET Q q 0 0 0 rg BT 153.41 353.70 Td ( ) Tj ET Q q 0 0 0 rg BT 155.73 353.70 Td (TIME DEPOSITS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.36 353.70 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 236.86 353.70 Td (IN U.S. OFFICES ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 300.20 101.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 137.50 300.20 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 300.20 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.50 300.20 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 300.20 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 274.20 101.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 137.50 274.20 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 274.20 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.50 274.20 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 274.20 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 36.50 248.20 101.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 137.50 248.20 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 248.20 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.50 248.20 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 248.20 56.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 300.20000000000005 m 137.5 300.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 300.20000000000005 m 193.5 300.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193.5 300.20000000000005 m 249.5 300.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 249.5 300.20000000000005 m 305.5 300.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 300.20000000000005 m 361.5 300.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 300.20000000000005 m 137.5 300.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 300.20000000000005 m 193.5 300.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193.5 300.20000000000005 m 249.5 300.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 249.5 300.20000000000005 m 305.5 300.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 300.20000000000005 m 361.5 300.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 287.20000000000005 m 137.5 287.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 287.20000000000005 m 193.5 287.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193.5 287.20000000000005 m 249.5 287.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 249.5 287.20000000000005 m 305.5 287.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 287.20000000000005 m 361.5 287.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 261.20000000000005 m 137.5 261.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 261.20000000000005 m 193.5 261.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 193.5 261.20000000000005 m 249.5 261.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 249.5 261.20000000000005 m 305.5 261.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 261.20000000000005 m 361.5 261.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 261.20000000000005 m 137.5 261.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 261.20000000000005 m 193.5 261.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193.5 261.20000000000005 m 249.5 261.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 249.5 261.20000000000005 m 305.5 261.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 261.20000000000005 m 361.5 261.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 248.20000000000005 m 137.5 248.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 248.20000000000005 m 193.5 248.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193.5 248.20000000000005 m 249.5 248.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 249.5 248.20000000000005 m 305.5 248.20000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 248.20000000000005 m 361.5 248.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 36.5 222.20000000000005 m 137.5 222.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 137.5 222.20000000000005 m 193.5 222.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 193.5 222.20000000000005 m 249.5 222.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 249.5 222.20000000000005 m 305.5 222.20000000000005 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 222.20000000000005 m 361.5 222.20000000000005 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 312.45 Td (In millions of dollars at) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 39.00 304.45 Td (December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 158.90 313.65 Td (Under 3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 161.45 304.65 Td (months) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.40 313.65 Td (Over 3 to 6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 217.45 304.65 Td (months) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.90 313.65 Td (Over 6 to 12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.45 304.65 Td (months) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 327.40 313.65 Td (Over 12) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.45 304.65 Td (months) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 291.60 Td (Over $100,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 278.46 Td (Certificates of deposit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 140.00 278.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 165.25 278.60 Td (14,317) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 196.00 278.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.50 278.60 Td (639) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.00 278.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.50 278.60 Td (709) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.00 278.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.75 278.60 Td (2,007) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 265.46 Td (Other time deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.75 265.60 Td (3,880) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 237.00 265.60 Td (37) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.00 265.60 Td (65) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.50 265.60 Td (805) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 39.00 252.60 Td (Over $250,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 239.46 Td (Certificates of deposit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 140.00 239.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 165.25 239.60 Td (13,728) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 196.00 239.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.50 239.60 Td (264) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.00 239.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.50 239.60 Td (297) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.00 239.60 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.75 239.60 Td (1,625) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 45.00 226.46 Td (Other time deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 169.75 226.60 Td (3,864) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 237.00 226.60 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.00 226.60 Td (57) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 344.50 226.60 Td (711) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 623 0 obj <> endobj 624 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (309) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (SUPER) Tj ET Q q 0 0 0 rg BT 74.92 747.90 Td (VISION, REGULA) Tj ET Q q 0 0 0 rg BT 174.05 747.90 Td (TION ) Tj ET Q q 0 0 0 rg BT 207.06 747.90 Td (AND OTHER) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 723.90 Td (SUPER) Tj ET Q q 0 0 0 rg BT 68.43 723.90 Td (VISION ) Tj ET Q q 0 0 0 rg BT 105.95 723.90 Td (AND REGULA) Tj ET Q q 0 0 0 rg BT 172.15 723.90 Td (TION) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 711.90 Td (Citi is subject to regulation under U.S. federal and state laws, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 699.90 Td (as well as applicable laws in the other jurisdictions in which it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 687.90 Td (does business.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 663.90 Td (General) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 651.90 Td (Citigroup is a registered bank holding company and financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 639.90 Td (holding company and is regulated and supervised by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 627.90 Td (Federal Reserve Board. Citigroup) Tj ET Q q 0 0 0 rg BT 173.74 627.90 Td (s nationally chartered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 615.90 Td (subsidiary banks, including Citibank, are regulated and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 603.90 Td (supervised by the Of) Tj ET Q q 0 0 0 rg BT 118.86 603.90 Td (fice of the Comptroller of the Currency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 591.90 Td (\(OCC\) and its state-chartered depository institution by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 579.90 Td (relevant state) Tj ET Q q 0 0 0 rg BT 91.81 579.90 Td (s banking department and the Federal Deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 567.90 Td (Insurance Corporation \(FDIC\). ) Tj ET Q q 0 0 0 rg BT 162.46 567.90 Td (The FDIC also has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 555.90 Td (examination authority for banking subsidiaries whose deposits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 543.90 Td (it insures. Overseas branches of Citibank are regulated and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 531.90 Td (supervised by the Federal Reserve Board and OCC and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 519.90 Td (overseas subsidiary banks by the Federal Reserve Board. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 507.90 Td (These overseas branches and subsidiary banks are also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 495.90 Td (regulated and supervised by regulatory authorities in the host ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 483.90 Td (countries. In addition, the Consumer Financial Protection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 471.90 Td (Bureau \(CFPB\) regulates consumer financial products and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 459.90 Td (services. For more information on U.S. and foreign regulation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 447.90 Td (af) Tj ET Q q 0 0 0 rg BT 43.59 447.90 Td (fecting or potentially af) Tj ET Q q 0 0 0 rg BT 137.54 447.90 Td (fecting Citi and its subsidiaries, see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 435.90 Td (Risk Factors above.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 411.90 Td (Other) Tj ET Q q 0 0 0 rg BT 61.37 411.90 Td ( Bank and Bank Holding Company Regulation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 399.90 Td (Citi, including its banking subsidiaries, is subject to regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 387.90 Td (limitations, including requirements for banks to maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 375.90 Td (reserves against deposits, requirements as to risk-based capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 363.90 Td (and leverage \(see Capital Resources above and Note 19 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 351.90 Td (the Consolidated Financial Statements\), restrictions on the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 339.90 Td (types and amounts of loans that may be made and the interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 327.90 Td (that may be char) Tj ET Q q 0 0 0 rg BT 102.18 327.90 Td (ged, and limitations on investments that can ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 315.90 Td (be made and services that can be of) Tj ET Q q 0 0 0 rg BT 177.70 315.90 Td (fered. ) Tj ET Q q 0 0 0 rg BT 203.06 315.90 Td (The Federal Reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 303.90 Td (Board may also expect Citi to commit resources to its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 291.90 Td (subsidiary banks in certain circumstances. Citi is also subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 279.90 Td (to anti-money laundering and financial transparency laws, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 267.90 Td (including standards for verifying client identification at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 255.90 Td (account opening and obligations to monitor client transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 243.90 Td (and report suspicious activities.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 219.90 Td (Securities and Commodities Regulation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 207.90 Td (Citi conducts securities underwriting, brokerage and dealing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 195.90 Td (activities in the U.S. through Citigroup Global Markets Inc. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 183.90 Td (\(CGMI\), its primary broker) Tj ET Q q 0 0 0 rg BT 145.78 183.90 Td (-dealer) Tj ET Q q 0 0 0 rg BT 173.13 183.90 Td (, and other broker) Tj ET Q q 0 0 0 rg BT 244.01 183.90 Td (-dealer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 171.90 Td (subsidiaries, which are subject to regulations of the U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 159.90 Td (Securities and Exchange Commission \(SEC\), the Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 147.90 Td (Industry Regulatory ) Tj ET Q q 0 0 0 rg BT 118.21 147.90 Td (Authority and certain exchanges. Citi ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 135.90 Td (conducts similar securities activities outside the U.S., subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 123.90 Td (to local requirements, through various subsidiaries and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 111.90 Td (af) Tj ET Q q 0 0 0 rg BT 43.59 111.90 Td (filiates, principally Citigroup Global Markets Limited in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 99.90 Td (London \(CGML\), which is regulated principally by the U.K. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 87.90 Td (Financial Conduct ) Tj ET Q q 0 0 0 rg BT 111.55 87.90 Td (Authority) Tj ET Q q 0 0 0 rg BT 149.78 87.90 Td (, and Citigroup Global Markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 75.90 Td (Japan Inc. in ) Tj ET Q q 0 0 0 rg BT 89.13 75.90 Td (T) Tj ET Q q 0 0 0 rg BT 94.54 75.90 Td (okyo, which is regulated principally by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 63.90 Td (Financial Services ) Tj ET Q q 0 0 0 rg BT 111.54 63.90 Td (Agency of Japan.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 749.10 Td (Citi also has subsidiaries that are members of futures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 737.10 Td (exchanges. In the U.S., CGMI is a member of the principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 725.10 Td (U.S. futures exchanges, and Citi has subsidiaries that are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.10 Td (registered as futures commission merchants and commodity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.10 Td (pool operators with the Commodity Futures ) Tj ET Q q 0 0 0 rg BT 501.58 701.10 Td (T) Tj ET Q q 0 0 0 rg BT 507.34 701.10 Td (rading ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.10 Td (Commission \(CFTC\). Citibank, CGMI, Citigroup Ener) Tj ET Q q 0 0 0 rg BT 546.32 689.10 Td (gy Inc. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.10 Td (and CGML, also are registered as swap dealers with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.10 Td (CFTC. CGMI is also subject to SEC and CFTC rules that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.10 Td (specify uniform minimum net capital requirements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.10 Td (Compliance with these rules could limit those operations of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.10 Td (CGMI that require the intensive use of capital and also limits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.10 Td (the ability of broker) Tj ET Q q 0 0 0 rg BT 403.50 617.10 Td (-dealers to transfer lar) Tj ET Q q 0 0 0 rg BT 491.32 617.10 Td (ge amounts of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.10 Td (capital to parent companies and other af) Tj ET Q q 0 0 0 rg BT 483.75 605.10 Td (filiates. See also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.10 Td (Capital Resources and Note 19 to the Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.10 Td (Financial Statements for a further discussion of capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.10 Td (considerations of Citi) Tj ET Q q 0 0 0 rg BT 412.88 569.10 Td (s non-banking subsidiaries.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 545.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.93 545.10 Td (ransactions with ) Tj ET Q q 0 0 0 rg BT 402.16 545.10 Td (Affiliates) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.10 Td (T) Tj ET Q q 0 0 0 rg BT 329.76 533.10 Td (ransactions between Citi) Tj ET Q q 0 0 0 rg BT 430.84 533.10 Td (s U.S. subsidiary depository ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.10 Td (institutions and their non-bank af) Tj ET Q q 0 0 0 rg BT 456.57 521.10 Td (filiates are regulated by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.10 Td (Federal Reserve Board, and are generally required to be on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.10 Td (arm) Tj ET Q q 0 0 0 rg BT 342.33 497.10 Td (s-length terms. See also Managing Global Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.10 Td (Liquidity Risk above.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 461.10 Td (COMPETITION) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.10 Td (The financial services industry is highly competitive. Citi) Tj ET Q q 0 0 0 rg BT 556.73 449.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.10 Td (competitors include a variety of financial services and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.10 Td (advisory companies. Citi competes for clients and capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 413.10 Td (\(including deposits and funding in the short- and long-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 401.10 Td (debt markets\) with some of these competitors globally and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 389.10 Td (with others on a regional or product basis. Citi) Tj ET Q q 0 0 0 rg BT 512.58 389.10 Td (s competitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 377.10 Td (position depends on many factors, including the value of Citi) Tj ET Q q 0 0 0 rg BT 571.18 377.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 365.10 Td (brand name, reputation, the types of clients and geographies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 353.10 Td (served, the quality) Tj ET Q q 0 0 0 rg BT 396.94 353.10 Td (, range, performance, innovation and pricing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 341.10 Td (of products and services, the ef) Tj ET Q q 0 0 0 rg BT 448.22 341.10 Td (fectiveness of and access to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 329.10 Td (distribution channels, technology advances, customer service ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 317.10 Td (and convenience, ef) Tj ET Q q 0 0 0 rg BT 403.50 317.10 Td (fectiveness of transaction execution, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 305.10 Td (interest rates and lending limits, regulatory constraints and the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 293.10 Td (ef) Tj ET Q q 0 0 0 rg BT 331.59 293.10 Td (fectiveness of sales promotion ef) Tj ET Q q 0 0 0 rg BT 463.03 293.10 Td (forts. Citi) Tj ET Q q 0 0 0 rg BT 504.15 293.10 Td (s ability to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 281.10 Td (compete ef) Tj ET Q q 0 0 0 rg BT 367.96 281.10 Td (fectively also depends upon its ability to attract ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 269.10 Td (new employees and retain and motivate existing employees, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 257.10 Td (while managing compensation and other costs. For additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 245.10 Td (information on competitive factors and uncertainties ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 233.10 Td (impacting Citi) Tj ET Q q 0 0 0 rg BT 384.27 233.10 Td (s businesses, see Risk Factors above.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 209.10 Td (PROPER) Tj ET Q q 0 0 0 rg BT 364.76 209.10 Td (TIES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 197.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 341.78 197.10 Td (s principal executive of) Tj ET Q q 0 0 0 rg BT 435.18 197.10 Td (fices are currently located at 388 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 185.10 Td (Greenwich Street in New ) Tj ET Q q 0 0 0 rg BT 427.48 185.10 Td (Y) Tj ET Q q 0 0 0 rg BT 433.70 185.10 Td (ork City and are the subject of a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 173.10 Td (lease and fully occupied by Citi. Citi also has additional of) Tj ET Q q 0 0 0 rg BT 560.99 173.10 Td (fice ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 161.10 Td (space at 399 Park ) Tj ET Q q 0 0 0 rg BT 396.20 161.10 Td (A) Tj ET Q q 0 0 0 rg BT 402.68 161.10 Td (venue and 601 Lexington ) Tj ET Q q 0 0 0 rg BT 506.55 161.10 Td (A) Tj ET Q q 0 0 0 rg BT 513.03 161.10 Td (venue in New ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 149.10 Td (Y) Tj ET Q q 0 0 0 rg BT 330.22 149.10 Td (ork City under a long-term lease and at 1) Tj ET Q q 0 0 0 rg BT 493.69 149.10 Td (1) Tj ET Q q 0 0 0 rg BT 498.32 149.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 505.64 149.10 Td (W) Tj ET Q q 0 0 0 rg BT 514.27 149.10 Td (all Street in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 137.10 Td (New ) Tj ET Q q 0 0 0 rg BT 345.01 137.10 Td (Y) Tj ET Q q 0 0 0 rg BT 351.23 137.10 Td (ork City under a lease of the entire building. Citibank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 125.10 Td (leases a building in Long Island City) Tj ET Q q 0 0 0 rg BT 470.55 125.10 Td (, New ) Tj ET Q q 0 0 0 rg BT 496.56 125.10 Td (Y) Tj ET Q q 0 0 0 rg BT 502.78 125.10 Td (ork.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 113.10 Td (Citigroup Global Markets Holdings Inc.) Tj ET Q q 0 0 0 rg BT 505.04 113.10 Td (s principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 101.10 Td (of) Tj ET Q q 0 0 0 rg BT 332.15 101.10 Td (fices are located at 388 Greenwich Street and 390 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 89.10 Td (Greenwich Street in New ) Tj ET Q q 0 0 0 rg BT 427.48 89.10 Td (Y) Tj ET Q q 0 0 0 rg BT 433.70 89.10 Td (ork City) Tj ET Q q 0 0 0 rg BT 466.11 89.10 Td (, which is also subject to a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 77.10 Td (lease and fully occupied by Citi.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 65.10 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 383.11 65.10 Td (s principal executive of) Tj ET Q q 0 0 0 rg BT 476.51 65.10 Td (fices in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 508.16 65.10 Td (EMEA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.82 65.10 Td ( are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 53.10 Td (located at 25 and 33 Canada Square in London) Tj ET Q q 0 0 0 rg BT 513.95 53.10 Td (s Canary ) Tj ET Q endstream endobj 625 0 obj <> endobj 626 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (310) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 749.10 Td (Wharf, with both buildings subject to long-term leases. Citi is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.10 Td (the lar) Tj ET Q q 0 0 0 rg BT 61.08 737.10 Td (gest tenant of these buildings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 725.10 Td (In ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 64.83 725.10 Td (Asia) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.61 725.10 Td (, Citi) Tj ET Q q 0 0 0 rg BT 105.39 725.10 Td (s principal executive of) Tj ET Q q 0 0 0 rg BT 198.79 725.10 Td (fices are in leased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.10 Td (premises located at Citibank Plaza in Hong Kong. Citi also has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.10 Td (significant leased premises in Singapore and Japan. Citi has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.10 Td (major or full ownership interests in country headquarters ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 677.10 Td (locations in Shanghai, Seoul, Kuala Lumpur) Tj ET Q q 0 0 0 rg BT 213.07 677.10 Td (, Manila and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.10 Td (Mumbai.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 653.10 Td (Citi) Tj ET Q q 0 0 0 rg BT 71.78 653.10 Td (s principal executive of) Tj ET Q q 0 0 0 rg BT 165.18 653.10 Td (fices in Mexico, which also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 641.10 Td (serve as the headquarters of Banamex, are located in Mexico ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 629.10 Td (City) Tj ET Q q 0 0 0 rg BT 52.58 629.10 Td (. Citi) Tj ET Q q 0 0 0 rg BT 77.86 629.10 Td (s principal executive of) Tj ET Q q 0 0 0 rg BT 171.25 629.10 Td (fices for ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 206.79 629.10 Td (Latin ) Tj ET Q q 0 0 0 rg BT 230.23 629.10 Td (America) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.11 629.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 617.10 Td (\(other than Mexico\) are located in leased premises located in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.10 Td (Miami.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 593.10 Td (Citi also owns or leases over 63 million square feet of real ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 581.10 Td (estate in 101 countries, consisting of over 9,400 properties.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 569.10 Td (Citi continues to evaluate its global real estate footprint ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 557.10 Td (and space requirements and may determine from time to time ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 545.10 Td (that certain of its premises are no longer necessary) Tj ET Q q 0 0 0 rg BT 237.49 545.10 Td (. ) Tj ET Q q 0 0 0 rg BT 242.31 545.10 Td (There is no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 533.10 Td (assurance that Citi will be able to dispose of any excess ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 521.10 Td (premises or that it will not incur char) Tj ET Q q 0 0 0 rg BT 183.84 521.10 Td (ges in connection with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 509.10 Td (such dispositions, which could be material to Citi) Tj ET Q q 0 0 0 rg BT 236.53 509.10 Td (s operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 497.10 Td (results in a given period.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 485.10 Td (Citi has developed programs for its properties to achieve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 473.10 Td (long-term ener) Tj ET Q q 0 0 0 rg BT 94.96 473.10 Td (gy ef) Tj ET Q q 0 0 0 rg BT 115.05 473.10 Td (ficiency objectives and reduce its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 461.10 Td (greenhouse gas emissions to lessen its impact on climate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 449.10 Td (change. ) Tj ET Q q 0 0 0 rg BT 71.63 449.10 Td (These activities could help to mitigate, but will not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 437.10 Td (eliminate, Citi) Tj ET Q q 0 0 0 rg BT 95.99 437.10 Td (s potential risk from future climate change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 425.10 Td (regulatory requirements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 54.00 413.10 Td (For further information concerning leases, see Note 27 to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 401.10 Td (the Consolidated Financial Statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 749.25 Td (DISCLOSURE PURSUANT) Tj ET Q q 0 0 0 rg BT 445.79 749.25 Td ( ) Tj ET Q q 0 0 0 rg BT 448.11 749.25 Td (T) Tj ET Q q 0 0 0 rg BT 454.60 749.25 Td (O SECTION 219 OF) Tj ET Q q 0 0 0 rg BT 543.40 749.25 Td ( ) Tj ET Q q 0 0 0 rg BT 545.72 749.25 Td (THE ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 737.25 Td (IRAN ) Tj ET Q q 0 0 0 rg BT 351.88 737.25 Td (THREA) Tj ET Q q 0 0 0 rg BT 386.70 737.25 Td (T) Tj ET Q q 0 0 0 rg BT 393.18 737.25 Td ( REDUCTION ) Tj ET Q q 0 0 0 rg BT 458.75 737.25 Td (AND SYRIA) Tj ET Q q 0 0 0 rg BT 513.48 737.25 Td ( HUMAN ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.00 725.25 Td (RIGHTS ) Tj ET Q q 0 0 0 rg BT 364.85 725.25 Td (ACT) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 713.25 Td (Pursuant to Section 219 of the Iran ) Tj ET Q q 0 0 0 rg BT 465.74 713.25 Td (Threat Reduction and Syria ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 701.25 Td (Human Rights ) Tj ET Q q 0 0 0 rg BT 384.00 701.25 Td (Act of 2012 \(Section 219\), which added ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 689.25 Td (Section 13\(r\) to the Securities Exchange ) Tj ET Q q 0 0 0 rg BT 487.29 689.25 Td (Act of 1934, as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 677.25 Td (amended, Citi is required to disclose in its annual or quarterly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 665.25 Td (reports, as applicable, whether it or any of its af) Tj ET Q q 0 0 0 rg BT 514.59 665.25 Td (filiates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 653.25 Td (knowingly engaged in certain activities, transactions or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 641.25 Td (dealings relating to Iran or with individuals or entities that are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 629.25 Td (subject to sanctions under U.S. law) Tj ET Q q 0 0 0 rg BT 464.16 629.25 Td (. Disclosure is generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 617.25 Td (required even where the activities, transactions or dealings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 605.25 Td (were conducted in compliance with applicable law) Tj ET Q q 0 0 0 rg BT 526.05 605.25 Td (. Citi has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 593.25 Td (previously disclosed reportable activities pursuant to Section ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 581.25 Td (219 for the first and second quarters of 2015 in its related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 569.25 Td (quarterly reports on Form 10-Q. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.00 557.25 Td (In addition to Citi) Tj ET Q q 0 0 0 rg BT 416.17 557.25 Td (s prior disclosures, a subsidiary of Citi, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 545.25 Td (Banco Nacional de Mxico \(Banamex\), identified that it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 533.25 Td (inadvertently processed five domestic funds transfers to the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 521.25 Td (Embassy of Iran in Mexico during the third quarter of 2015. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 509.25 Td (The total value of these five funds transfers was approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 497.25 Td (MXP) Tj ET Q q 0 0 0 rg BT 345.30 497.25 Td ( 3,320 \(approximately $177.00\). ) Tj ET Q q 0 0 0 rg BT 479.54 497.25 Td (Three of the payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 485.25 Td (were for visa services that are exempt under Of) Tj ET Q q 0 0 0 rg BT 513.18 485.25 Td (fice of Foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 473.25 Td (Assets Control \(OF) Tj ET Q q 0 0 0 rg BT 401.04 473.25 Td (AC\) regulations and two were for consular ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 461.25 Td (services that going forward would be permissible under OF) Tj ET Q q 0 0 0 rg BT 560.98 461.25 Td (AC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 449.25 Td (General License H for Banamex as a non-U.S. subsidiary of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 437.25 Td (Citi. ) Tj ET Q q 0 0 0 rg BT 346.32 437.25 Td (The transactions, in aggregate, resulted in approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.00 425.25 Td (MXP) Tj ET Q q 0 0 0 rg BT 345.30 425.25 Td ( 10 \(approximately $0.53\) in revenue for Banamex.) Tj ET Q endstream endobj 627 0 obj <> endobj 628 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 31.60 Td (31) Tj ET Q q 0 0 0 rg BT 308.28 31.60 Td (1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 742.25 Td (UNREGISTERED SALES OF) Tj ET Q q 0 0 0 rg BT 179.72 742.25 Td ( EQUITY) Tj ET Q q 0 0 0 rg BT 220.75 742.25 Td (, PURCHASES OF) Tj ET Q q 0 0 0 rg BT 302.34 742.25 Td ( EQUITY) Tj ET Q q 0 0 0 rg BT 343.92 742.25 Td ( SECURITIES, DIVIDENDS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 710.25 Td (Unr) Tj ET Q q 0 0 0 rg BT 66.54 710.25 Td (egister) Tj ET Q q 0 0 0 rg BT 94.68 710.25 Td (ed Sales of Equity Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 698.25 Td (None.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 674.25 Td (Equity Security Repur) Tj ET Q q 0 0 0 rg BT 145.99 674.25 Td (chases) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 662.25 Td (The following table summarizes Citi) Tj ET Q q 0 0 0 rg BT 198.91 662.25 Td (s equity security repurchases, which consisted entirely of common stock repurchases, during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 650.25 Td (the three months ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.03 650.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.61 650.25 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 577.75 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 577.75 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 577.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.00 577.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 549.75 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 549.75 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 549.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.00 549.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 521.75 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 521.75 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 521.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.00 521.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 493.75 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 493.75 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 493.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.00 493.75 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 465.75 329.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 465.75 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 465.75 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.00 465.75 93.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 577.75 m 379 577.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 577.75 m 435 577.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 577.75 m 483 577.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483 577.75 m 576 577.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 451.75 m 379 451.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 437.75 m 379 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 451.75 m 435 451.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 379 437.75 m 435 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 451.75 m 483 451.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 435 437.75 m 483 437.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483 451.75 m 576 451.75 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 483 437.75 m 576 437.75 l s BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.50 582.00 Td (In millions, except per share amounts) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.35 591.20 Td (T) Tj ET Q q 0 0 0 rg BT 388.53 591.20 Td (otal shar) Tj ET Q q 0 0 0 rg BT 422.11 591.20 Td (es) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.55 582.20 Td (pur) Tj ET Q q 0 0 0 rg BT 400.39 582.20 Td (chased) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.80 600.20 Td (A) Tj ET Q q 0 0 0 rg BT 448.63 600.20 Td (verage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 439.10 591.20 Td (price paid) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.50 582.20 Td (per) Tj ET Q q 0 0 0 rg BT 453.33 582.20 Td ( shar) Tj ET Q q 0 0 0 rg BT 472.42 582.20 Td (e) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.00 618.20 Td (Appr) Tj ET Q q 0 0 0 rg BT 511.34 618.20 Td (oximate dollar) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 491.70 609.20 Td (value of shar) Tj ET Q q 0 0 0 rg BT 541.04 609.20 Td (es that) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.20 600.20 Td (may yet be pur) Tj ET Q q 0 0 0 rg BT 544.78 600.20 Td (chased) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.50 591.20 Td (under) Tj ET Q q 0 0 0 rg BT 518.34 591.20 Td ( the plan or) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.30 582.20 Td (pr) Tj ET Q q 0 0 0 rg BT 519.14 582.20 Td (ograms) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 568.20 Td (October 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.50 568.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 568.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 568.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 554.21 Td (Open market repurchases) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 149.96 558.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 554.20 Td (8.7) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.50 554.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 554.20 Td (51.35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.50 554.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.25 554.20 Td (3,836) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 540.21 Td (Employee transactions) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 140.23 544.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.50 540.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.50 540.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 557.45 540.20 Td (N/A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 526.20 Td (November 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 526.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 526.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 512.21 Td (Open market repurchases) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 149.96 516.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 420.25 512.20 Td (8.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 512.20 Td (53.84) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.25 512.20 Td (3,399) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 498.21 Td (Employee transactions) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 140.23 502.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.50 498.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.50 498.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 557.45 498.20 Td (N/A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 484.20 Td (December 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.50 484.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 484.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.50 484.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 470.21 Td (Open market repurchases) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 149.96 474.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 470.20 Td (14.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 470.20 Td (52.48) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.25 470.20 Td (2,634) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 456.21 Td (Employee transactions) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 140.23 460.29 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.50 456.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.50 456.20 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 557.45 456.20 Td (N/A) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 442.20 Td (Amounts as of December 31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 442.20 Td (31.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.50 442.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 459.25 442.20 Td (52.52) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 485.50 442.20 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 552.25 442.20 Td (2,634) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 420.65 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 420.65 Td (Represents repurchases under the $7.8billion 2015 common stock repurchase program \(2015 Repurchase Program\) that was approved by Citigroup) Tj ET Q q 0 0 0 rg BT 543.16 420.65 Td (s Board ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 411.05 Td (of Directors and announced on March 1) Tj ET Q q 0 0 0 rg BT 194.71 411.05 Td (1, 2015, which was part of the planned capital actions included by Citi in its 2015 Comprehensive Capital ) Tj ET Q q 0 0 0 rg BT 535.09 411.05 Td (Analysis ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 401.45 Td (and Review \(CCAR\). ) Tj ET Q q 0 0 0 rg BT 138.46 401.45 Td (The 2015 Repurchase Program extends through the second quarter of 2016. Shares repurchased under the 2015 Repurchase Program are ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 391.85 Td (treasury stock.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 382.25 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 382.25 Td (Consisted of shares added to treasury stock related to \(i\)certain activity on employee stock option program exercises where the employee delivers existing ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 67.50 372.65 Td (shares to cover the option exercise, or \(ii\)under Citi) Tj ET Q q 0 0 0 rg BT 236.78 372.65 Td (s employee restricted or deferred stock programs where shares are withheld to satisfy tax requirements.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 363.05 Td (N/A) Tj ET Q q 0 0 0 rg BT 62.84 363.05 Td ( Not applicable) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 339.05 Td (Dividends) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 327.05 Td (In addition to Board of Directors) Tj ET Q q 0 0 0 rg BT 183.45 327.05 Td ( approval, Citi) Tj ET Q q 0 0 0 rg BT 243.71 327.05 Td (s ability to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 315.05 Td (pay common stock dividends substantially depends on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 303.05 Td (regulatory approval, including an annual regulatory review ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 291.05 Td (of the results of the CCAR process required by the Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 279.05 Td (Reserve Board and the supervisory stress tests required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 267.05 Td (under the Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 140.32 267.05 Td (Act. See Risk FactorsRegulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 255.05 Td (Risks above. For information on the ability of Citigroup) Tj ET Q q 0 0 0 rg BT 283.36 255.05 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 243.05 Td (subsidiary depository institutions and non-bank subsidiaries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 231.05 Td (to pay dividends, see Note 19 to the Consolidated Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 219.05 Td (Statements. ) Tj ET Q q 0 0 0 rg BT 100.33 219.05 Td (Any dividend on Citi) Tj ET Q q 0 0 0 rg BT 187.83 219.05 Td (s outstanding common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 207.05 Td (stock would also need to be made in compliance with Citi) Tj ET Q q 0 0 0 rg BT 283.89 207.05 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 195.05 Td (obligations to its outstanding preferred stock.) Tj ET Q endstream endobj 629 0 obj <> endobj 630 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (312) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 742.25 Td (PERFORMANCE GRAPH) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 718.25 Td (Comparison of Five-Y) Tj ET Q q 0 0 0 rg BT 143.38 718.25 Td (ear) Tj ET Q q 0 0 0 rg BT 157.08 718.25 Td ( Cumulative ) Tj ET Q q 0 0 0 rg BT 211.90 718.25 Td (T) Tj ET Q q 0 0 0 rg BT 217.65 718.25 Td (otal Return) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.25 Td (The following graph and table compare the cumulative total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.25 Td (return on Citi) Tj ET Q q 0 0 0 rg BT 106.16 694.25 Td (s common stock, which is listed on the NYSE ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.25 Td (under the ticker symbol C and held by 81,805 common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.25 Td (stockholders of record as of January 31, 2016, with the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.25 Td (cumulative total return of the S&P) Tj ET Q q 0 0 0 rg BT 187.16 658.25 Td ( 500 Index and the S&P) Tj ET Q q 0 0 0 rg BT 282.61 658.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.25 Td (Financial Index over the five-year period through December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.25 Td (31, 2015. ) Tj ET Q q 0 0 0 rg BT 89.32 634.25 Td (The graph and table assume that $100 was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.25 Td (invested on December 31, 2010 in Citi) Tj ET Q q 0 0 0 rg BT 206.97 622.25 Td (s common stock, the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.25 Td (S&P) Tj ET Q q 0 0 0 rg BT 68.03 610.25 Td ( 500 Index and the S&P) Tj ET Q q 0 0 0 rg BT 163.48 610.25 Td ( Financial Index, and that all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.25 Td (dividends were reinvested.) Tj ET Q 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 50 575.75 m 302 575.75 l s BT /F5 8.00 Tf ET q 0 0 0 rg BT 52.50 567.43 Td (Comparison of Five-Y) Tj ET Q q 0 0 0 rg BT 134.73 567.43 Td (ear Cumulative T) Tj ET Q q 0 0 0 rg BT 198.61 567.43 Td (otal Return) Tj ET Q BT /F7 7.00 Tf ET q 0 0 0 rg BT 52.50 560.15 Td (For the years ended) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 245.50 0 0 258.00 49.50 294.25 cm /I40 Do Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 254.75 m 108 254.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 108 254.75 m 171 254.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 171 254.75 m 229 254.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229 254.75 m 289 254.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 254.75 m 108 254.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 108 254.75 m 171 254.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 171 254.75 m 229 254.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229 254.75 m 289 254.75 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 259.21 Td (DATE) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 130.25 259.21 Td (CITI) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 183.25 259.21 Td (S&P 500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.15 268.01 Td (S&P) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 231.70 259.01 Td (FINANCIALS) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 246.01 Td (31-Dec-2010) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 142.75 246.01 Td (100.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 200.75 246.01 Td (100.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.75 246.01 Td (100.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 233.01 Td (30-Dec-2011) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 147.25 233.01 Td (55.67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 200.75 233.01 Td (102.11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 265.25 233.01 Td (82.94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 220.01 Td (31-Dec-2012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 147.25 220.01 Td (83.81) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 200.75 220.01 Td (118.45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.75 220.01 Td (106.84) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 207.01 Td (31-Dec-2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 142.75 207.01 Td (110.49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 200.75 207.01 Td (156.82) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 260.75 207.01 Td (144.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 194.01 Td (31-Dec-2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 118.30 194.01 Td ( 114.83) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 176.00 194.01 Td ( 178.28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.00 194.01 Td ( 166.93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 181.01 Td (31-Dec-2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 118.30 181.01 Td ( 110.14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 176.00 181.01 Td ( 180.75) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.00 181.01 Td ( 164.39) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 631 0 obj <> endobj 632 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (313) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 36.00 747.90 Td (CORPORA) Tj ET Q q 0 0 0 rg BT 95.77 747.90 Td (TE INFORMA) Tj ET Q q 0 0 0 rg BT 172.55 747.90 Td (TION ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 723.90 Td (CITIGROUP) Tj ET Q q 0 0 0 rg BT 93.23 723.90 Td ( EXECUTIVE OFFICERS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 711.90 Td (Citigroup) Tj ET Q q 0 0 0 rg BT 77.11 711.90 Td (s executive of) Tj ET Q q 0 0 0 rg BT 132.46 711.90 Td (ficers as of February 26, 2016 are:) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 688.4 m 115.5 688.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.5 688.4 m 136.5 688.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 136.5 688.4 m 287.5 688.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 467.4 m 115.5 467.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 115.5 467.4 m 136.5 467.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 136.5 467.4 m 287.5 467.4 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 692.80 Td (Name) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 118.00 692.80 Td (Age) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 166.60 692.80 Td (Position and office held) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 679.66 Td (Francisco) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 670.66 Td (Aristeguieta) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 118.00 679.66 Td (50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.00 679.66 Td (CEO, Asia Pacific) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 655.66 Td (Stephen Bird) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 118.00 655.66 Td (49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.00 655.66 Td (CEO, Global Consumer Banking) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 642.66 Td (Don Callahan) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 118.00 642.66 Td (59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.00 642.66 Td (Head of Operations and Technology) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 630.66 Td (Michael L. Corbat) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 118.00 630.66 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.00 630.66 Td (Chief Executive Officer) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 617.66 Td (James C. Cowles) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 118.00 617.66 Td (60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.00 617.66 Td (CEO, Europe, Middle East and Africa) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 604.66 Td (Barbara Desoer) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 118.00 604.66 Td (63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 139.00 604.66 Td (CEO, Citibank, N.A.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 591.66 Td (James A. 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Costello) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 229.66 Td (Former President and CEO) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 220.66 Td (BMO Financial Corporation and ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 211.66 Td (Former U.S. Country Head of BMO ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 202.66 Td (Financial Group) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 184.80 Td (Duncan P) Tj ET Q q 0 0 0 rg BT 74.93 184.80 Td (. Hennes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 175.66 Td (Co-Founder and Partner) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 166.66 Td (Atrevida Partners, LLC) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 38.00 148.80 Td (Peter) Tj ET Q q 0 0 0 rg BT 58.32 148.80 Td ( Blair) Tj ET Q q 0 0 0 rg BT 79.90 148.80 Td ( Henry) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 139.66 Td (Dean, New ) Tj ET Q q 0 0 0 rg BT 80.40 139.66 Td (Y) Tj ET Q q 0 0 0 rg BT 86.00 139.66 Td (ork University) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 38.00 130.66 Td (Stern School of Business) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 178.00 274.80 Td (Franz B. Humer) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 178.00 265.66 Td (Chairman, Retired) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 178.00 256.66 Td (Roche Holding Ltd. ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 178.00 238.80 Td (Renee J. James) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 178.00 229.66 Td (Operating Executive) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 178.00 220.66 Td (The Carlyle Group ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 178.00 202.80 Td (Eugene M. McQuade) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 178.00 193.66 Td (Chief Executive Of) Tj ET Q q 0 0 0 rg BT 247.81 193.66 Td (ficer) Tj ET Q q 0 0 0 rg BT 263.94 193.66 Td (, Retired ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 178.00 184.66 Td (Citibank, N.A. and ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 178.00 175.66 Td (V) Tj ET Q q 0 0 0 rg BT 183.96 175.66 Td (ice Chairman, Retired) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 178.00 166.66 Td (Citigroup Inc.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 178.00 148.80 Td (Michael E. ONeill) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 178.00 139.66 Td (Chairman) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 178.00 130.66 Td (Citigroup Inc.) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 274.80 Td (Gary M. Reiner) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 265.66 Td (Operating Partner ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 256.66 Td (General ) Tj ET Q q 0 0 0 rg BT 336.23 256.66 Td (Atlantic LLC) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 238.80 Td (Judith Rodin) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 229.66 Td (President) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 220.66 Td (Rockefeller Foundation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 202.80 Td (Anthony M. Santomer) Tj ET Q q 0 0 0 rg BT 392.09 202.80 Td (o) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 193.66 Td (Former President) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 184.66 Td (Federal Reserve Bank of) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 175.66 Td ( Philadelphia) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.00 157.80 Td (Joan E. Sper) Tj ET Q q 0 0 0 rg BT 355.10 157.80 Td (o) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 148.66 Td (Senior Research Scholar) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 139.66 Td (Columbia University) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 130.66 Td ( School of International) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.00 121.66 Td ( and Public ) Tj ET Q q 0 0 0 rg BT 350.50 121.66 Td (Af) Tj ET Q q 0 0 0 rg BT 359.83 121.66 Td (fairs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 274.80 Td (Diana L. ) Tj ET Q q 0 0 0 rg BT 485.60 274.80 Td (T) Tj ET Q q 0 0 0 rg BT 490.77 274.80 Td (aylor) Tj ET Q q 0 0 0 rg BT 510.60 274.80 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 265.66 Td (V) Tj ET Q q 0 0 0 rg BT 455.96 265.66 Td (ice Chair) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 256.66 Td (Solera Capital, LLC) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 238.80 Td (W) Tj ET Q q 0 0 0 rg BT 458.84 238.80 Td (illiam S. ) Tj ET Q q 0 0 0 rg BT 492.43 238.80 Td (Thompson, Jr) Tj ET Q q 0 0 0 rg BT 545.62 238.80 Td (.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 229.66 Td (Chief Executive Of) Tj ET Q q 0 0 0 rg BT 519.81 229.66 Td (ficer) Tj ET Q q 0 0 0 rg BT 535.94 229.66 Td (, Retired) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 220.66 Td (Pacific Investment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 211.66 Td ( Management Company) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 202.66 Td ( \(PIMCO\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 184.80 Td (James S. ) Tj ET Q q 0 0 0 rg BT 485.59 184.80 Td (T) Tj ET Q q 0 0 0 rg BT 490.76 184.80 Td (urley) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 175.66 Td (Former Chairman and CEO) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 166.66 Td ( Ernst & ) Tj ET Q q 0 0 0 rg BT 484.66 166.66 Td (Y) Tj ET Q q 0 0 0 rg BT 490.26 166.66 Td (oung ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 147.80 Td (Ernesto Zedillo Ponce de Leon) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 138.66 Td (Director) Tj ET Q q 0 0 0 rg BT 479.62 138.66 Td (, Center for the) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 129.66 Td ( Study of Globalization and) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 120.66 Td ( Professor in the Field) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 111.66 Td ( of International) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 102.66 Td ( Economics and Politics,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 93.66 Td ( ) Tj ET Q q 0 0 0 rg BT 454.17 93.66 Td (Y) Tj ET Q q 0 0 0 rg BT 459.76 93.66 Td (ale University) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 633 0 obj <> endobj 634 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (314) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 36.00 749.25 Td (Signatur) Tj ET Q q 0 0 0 rg BT 73.05 749.25 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 737.25 Td (Pursuant to the requirements of Section 13 or 15\(d\) of the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 725.25 Td (Securities Exchange ) Tj ET Q q 0 0 0 rg BT 119.31 725.25 Td (Act of 1934, the registrant has duly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 713.25 Td (caused this report to be signed on its behalf by the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 701.25 Td (undersigned, thereunto duly authorized, on the 26th day of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 689.25 Td (February) Tj ET Q q 0 0 0 rg BT 71.45 689.25 Td (, 2016.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 665.25 Td (Citigroup Inc.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 653.25 Td (\(Registrant\)) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 36 627.68505859375 m 124.9013671875 627.68505859375 l s q 0 0 0 rg BT 36.00 629.25 Td (/s/ John C. Gerspach) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 605.25 Td (John C. 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[] 0 d 0 J 0 j 3 M 82.5 79.95000000000005 m 82.5 79.45000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 79.95000000000005 m 107.5 79.45000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 79.95000000000005 m 107.5 79.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 79.45000000000005 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 79.95000000000005 m 107.5 79.45000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 79.95000000000005 m 575.5 79.45000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 79.95000000000005 m 575.5 79.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 79.45000000000005 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 79.45000000000005 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 79.45000000000005 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 79.45000000000005 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 79.45000000000005 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 79.45000000000005 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 79.45000000000005 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 79.45000000000005 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 79.45000000000005 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 79.45000000000005 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 79.45000000000005 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 79.45000000000005 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 79.45000000000005 m BT /F2 10.00 Tf ET q 0 0 0 rg BT 38.00 709.68 Td (Exhibit) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 38.00 696.68 Td (Number) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 293.75 696.68 Td (Description of Exhibit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 683.52 Td (3.01+) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 683.52 Td (Restated Certificate of Incorporation of the Company, as amended, as in effect on the date hereof.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 645.62 Td (3.02) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 655.52 Td (By-Laws of the Company, as amended, as in effect on the date hereof, incorporated by reference to Exhibit 3.01 to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 645.52 Td (the Companys Current Report on Form 8-K filed October 27, 2015 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 597.62 Td (4.01) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 617.52 Td (Form of Senior Indenture between the Company and The Bank of New York Mellon, as trustee, incorporated by) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 607.52 Td (reference to Exhibit 4.8 to the Companys Registration Statement on Form S-3 filed November 13, 2013 \(File No.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 597.52 Td (333-192302\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 548.62 Td (4.02) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 568.62 Td (First Supplement Indenture, dated as of February 1, 2016, between the Company and The Bank of New York) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 558.62 Td (Mellon, as trustee, incorporated by reference to Exhibit 4.01 to the Companys Current Report on Form 8-K filed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 548.62 Td (February 1, 2016 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 490.62 Td (4.03) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 520.52 Td (Subordinated Debt Indenture, dated as of April12, 2001, between the Company and The Bank of New York) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 510.52 Td (Mellon, as successor to JP Morgan Chase Bank \(formerly Bank One Trust Company, N.A.\), as trustee,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 500.52 Td (incorporated by reference to Exhibit 4.1 to the Companys Registration Statement on Form S-3 filed February 21,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 490.52 Td (2013 \(No. 333-186425\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 442.62 Td (4.04) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 462.52 Td (First Supplemental Indenture, dated as of August 2, 2004, between the Company and J.P. Morgan Trust Company,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 452.52 Td (N.A. \(formerly Bank One Trust Company, N.A.\), as trustee, incorporated by reference to Exhibit 4.13 to the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 442.52 Td (Companys Registration Statement on Form S-3/A filed August 31, 2004 \(No. 333-117615\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 393.62 Td (4.05) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 413.52 Td (Indenture, dated as of March 15, 1987, between Primerica Corporation, a New Jersey corporation, and The Bank of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 403.52 Td (New York, as trustee, incorporated by reference to Exhibit 4.01 to the Companys Registration Statement on Form) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 393.52 Td (S-3 filed December 8, 1992 \(No. 03355542\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 346.62 Td (4.06) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 366.52 Td (First Supplemental Indenture, dated as of December 15, 1988, among Primerica Corporation, Primerica Holdings,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 356.52 Td (Inc. and The Bank of New York, as trustee, incorporated by reference to Exhibit 4.02 to the Companys) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 346.52 Td (Registration Statement on Form S-3 filed December 8, 1992 \(No. 03355542\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 297.62 Td (4.07) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 317.52 Td (Second Supplemental Indenture, dated as of January 31, 1991, between Primerica Holdings, Inc. and The Bank of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 307.52 Td (New York, as trustee, incorporated by reference to Exhibit 4.03 to the Companys Registration Statement on Form) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 297.52 Td (S-3 filed December 8, 1992 \(No. 03355542\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 247.62 Td (4.08) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 267.52 Td (Third Supplemental Indenture, dated as of December 9, 1992, among Primerica Holdings, Inc., Primerica) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 257.52 Td (Corporation and The Bank of New York, as trustee, incorporated by reference to Exhibit 5 to the Companys Form) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 247.52 Td (8-A dated December 21, 1992, with respect to its 7 3/4% Notes Due June 15, 1999 \(No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 198.62 Td (4.09) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 218.52 Td (Fourth Supplemental Indenture, dated as of November 2, 1998, between the Company and The Bank of New York,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 208.52 Td (as trustee, incorporated by reference to Exhibit 4.01 to the Companys Quarterly Report on Form 10-Q for the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 198.52 Td (quarter ended September 30, 1998 \(No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 148.62 Td (4.10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 168.52 Td (Fifth Supplemental Indenture, dated as of December 9, 2008, between the Company and The Bank of New York) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 158.52 Td (Mellon, as trustee, incorporated by reference to Exhibit 4.04 to the Companys Current Report on Form 8-K filed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 148.52 Td (December 11, 2008 \(No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 99.62 Td (4.11) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 119.52 Td (Sixth Supplemental Indenture, dated as of December 20, 2012, between the Company and The Bank of New York) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 109.52 Td (Mellon, as trustee, providing for the issuance of debt securities, incorporated by reference to Exhibit 4.5 to the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 99.52 Td (Companys Current Report on Form 8-K filed December 21, 2012 \(No. 001-09924\).) 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i [] 0 d 0 J 0 j 3 M 35.5 755.5 m 35.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 755.5 m 82.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 755.5 m 82.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 721.5 m 82.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 755.5 m 82.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 755.5 m 107.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 755.5 m 107.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 721.5 m 107.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 755.5 m 107.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 755.5 m 575.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 755.5 m 575.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 721.5 m 575.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 721.5 m 35.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 721.5 m 82.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 721.5 m 82.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 706.5 m 82.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 721.5 m 82.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 721.5 m 107.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 721.5 m 107.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 706.5 m 107.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 721.5 m 107.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 721.5 m 575.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 721.5 m 575.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 706.5 m 575.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 706.5 m 35.5 672.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 706.5 m 82.5 672.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 706.5 m 82.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 672.5 m 82.5 672.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 706.5 m 82.5 672.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 706.5 m 107.5 672.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 706.5 m 107.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 672.5 m 107.5 672.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 706.5 m 107.5 672.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 706.5 m 575.5 672.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 706.5 m 575.5 706.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 672.5 m 575.5 672.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 672.5 m 35.5 657.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 672.5 m 82.5 657.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 672.5 m 82.5 672.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 657.5 m 82.5 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362.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 347.5 m 107.5 347.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 362.5 m 107.5 347.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 362.5 m 575.5 347.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 362.5 m 575.5 362.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 347.5 m 575.5 347.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 347.5 m 35.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 347.5 m 82.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 347.5 m 82.5 347.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 313.5 m 82.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 347.5 m 82.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 347.5 m 107.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 347.5 m 107.5 347.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 313.5 m 107.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 347.5 m 107.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 347.5 m 575.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 347.5 m 575.5 347.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 313.5 m 575.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 313.5 m 35.5 299.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 313.5 m 82.5 299.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 313.5 m 82.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 299.5 m 82.5 299.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 313.5 m 82.5 299.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 313.5 m 107.5 299.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 313.5 m 107.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 299.5 m 107.5 299.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 313.5 m 107.5 299.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 313.5 m 575.5 299.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 313.5 m 575.5 313.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 299.5 m 575.5 299.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 299.5 m 35.5 265.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 299.5 m 82.5 265.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 299.5 m 82.5 299.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 265.5 m 82.5 265.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 299.5 m 82.5 265.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 299.5 m 107.5 265.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 299.5 m 107.5 299.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 265.5 m 107.5 265.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 299.5 m 107.5 265.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 299.5 m 575.5 265.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 299.5 m 575.5 299.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 265.5 m 575.5 265.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 265.5 m 35.5 251.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 265.5 m 82.5 251.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 265.5 m 82.5 265.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 251.5 m 82.5 251.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 265.5 m 82.5 251.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 265.5 m 107.5 251.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 265.5 m 107.5 265.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 251.5 m 107.5 251.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 265.5 m 107.5 251.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 265.5 m 575.5 251.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 265.5 m 575.5 265.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 251.5 m 575.5 251.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 251.5 m 35.5 227.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 251.5 m 82.5 227.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 251.5 m 82.5 251.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 227.5 m 82.5 227.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 251.5 m 82.5 227.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 251.5 m 107.5 227.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 251.5 m 107.5 251.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 227.5 m 107.5 227.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 251.5 m 107.5 227.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 251.5 m 575.5 227.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 251.5 m 575.5 251.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 227.5 m 575.5 227.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 227.5 m 35.5 213.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 227.5 m 82.5 213.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 227.5 m 82.5 227.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 213.5 m 82.5 213.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 227.5 m 82.5 213.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 227.5 m 107.5 213.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 227.5 m 107.5 227.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 213.5 m 107.5 213.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 227.5 m 107.5 213.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 227.5 m 575.5 213.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 227.5 m 575.5 227.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 213.5 m 575.5 213.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 213.5 m 35.5 189.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 213.5 m 82.5 189.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 213.5 m 82.5 213.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 189.5 m 82.5 189.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 213.5 m 82.5 189.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 213.5 m 107.5 189.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 213.5 m 107.5 213.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 189.5 m 107.5 189.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 213.5 m 107.5 189.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 213.5 m 575.5 189.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 213.5 m 575.5 213.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 189.5 m 575.5 189.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 189.5 m 35.5 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 189.5 m 82.5 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 189.5 m 82.5 189.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 174.5 m 82.5 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 189.5 m 82.5 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 189.5 m 107.5 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 189.5 m 107.5 189.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 174.5 m 107.5 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 189.5 m 107.5 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 189.5 m 575.5 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 189.5 m 575.5 189.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 174.5 m 575.5 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 174.5 m 35.5 150.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 174.5 m 82.5 150.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 174.5 m 82.5 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 150.5 m 82.5 150.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 174.5 m 82.5 150.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 174.5 m 107.5 150.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 174.5 m 107.5 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 150.5 m 107.5 150.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 174.5 m 107.5 150.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 174.5 m 575.5 150.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 174.5 m 575.5 174.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 150.5 m 575.5 150.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 150.5 m 35.5 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 150.5 m 82.5 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 150.5 m 82.5 150.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 135.5 m 82.5 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 150.5 m 82.5 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 150.5 m 107.5 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 150.5 m 107.5 150.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 135.5 m 107.5 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 150.5 m 107.5 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 150.5 m 575.5 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 150.5 m 575.5 150.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 135.5 m 575.5 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 135.5 m 35.5 101.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 135.5 m 82.5 101.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 135.5 m 82.5 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 101.5 m 82.5 101.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 135.5 m 82.5 101.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 135.5 m 107.5 101.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 135.5 m 107.5 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 101.5 m 107.5 101.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 135.5 m 107.5 101.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 135.5 m 575.5 101.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 135.5 m 575.5 135.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 101.5 m 575.5 101.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 101.5 m 35.5 86.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 101.5 m 82.5 86.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 101.5 m 82.5 101.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 86.5 m 82.5 86.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 101.5 m 82.5 86.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 101.5 m 107.5 86.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 101.5 m 107.5 101.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 86.5 m 107.5 86.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 101.5 m 107.5 86.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 101.5 m 575.5 86.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 101.5 m 575.5 101.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 86.5 m 575.5 86.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 86.5 m 35.5 62.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 86.5 m 82.5 62.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 86.5 m 82.5 86.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 62.5 m 82.5 62.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 86.5 m 82.5 62.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 86.5 m 107.5 62.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 86.5 m 107.5 86.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 62.5 m 107.5 62.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 86.5 m 107.5 62.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 86.5 m 575.5 62.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 86.5 m 575.5 86.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 62.5 m 575.5 62.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 62.5 m 35.5 47.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 62.5 m 82.5 47.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 62.5 m 82.5 62.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 47.5 m 82.5 47.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 62.5 m 82.5 47.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 62.5 m 107.5 47.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 62.5 m 107.5 62.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 47.5 m 107.5 47.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 62.5 m 107.5 47.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 62.5 m 575.5 47.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 62.5 m 575.5 62.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 47.5 m 575.5 47.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 47.5 m 35.5 47 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 47.5 m 82.5 47 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 47.5 m 82.5 47.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 47 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 47.5 m 82.5 47 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 47.5 m 107.5 47 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 47.5 m 107.5 47.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 47 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 47.5 m 107.5 47 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 47.5 m 575.5 47 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 47.5 m 575.5 47.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 47 m BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 726.17 Td (4.12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 746.07 Td (Senior Debt Indenture, dated as of June 1, 2005, among Citigroup Funding Inc., the Company and The Bank of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 736.07 Td (New York Mellon, as successor trustee to JPMorgan Chase Bank, N.A., incorporated by reference to Exhibit 4\(b\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 726.07 Td (to the Companys Registration Statement on Form S-3 filed March 30, 2006 \(No. 333-132370-01\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 677.17 Td (4.13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 697.07 Td (Second Supplemental Indenture, dated as of December 20, 2012, among Citigroup Funding Inc., the Company and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 687.07 Td (The Bank of New York Mellon, as successor trustee to JPMorgan Chase Bank, N.A., incorporated by reference to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 677.07 Td (Exhibit 4.2 to the Companys Current Report on Form 8-K filed December 21, 2012 \(No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 628.17 Td (4.14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 648.07 Td (Indenture, dated as of July 23, 2004, between the Company and JPMorgan Chase Bank, as trustee, incorporated by) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 638.07 Td (reference to Exhibit 4.28 to the Companys Registration Statement on Form S-3 filed July 2, 2004 \(No.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 628.07 Td (333-117615\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 579.17 Td (4.15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 599.07 Td (Warrant Agreement \(relating to Warrants \(expiring January 4, 2019\)\), dated as of January 25, 2011, between the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 589.07 Td (Company and Computershare Inc. and Computershare Trust Company, N.A., as Warrant Agent, incorporated by) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 579.07 Td (reference to Exhibit 4.1 to the Companys Form 8-A filed January 26, 2011 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 541.17 Td (4.16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 551.07 Td (Specimen Warrant for 255,033,142 Warrants, incorporated by reference to Exhibit 4.2 to the Companys Form 8-A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 541.07 Td (filed January 26, 2011 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 493.17 Td (4.17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 513.07 Td (Warrant Agreement \(relating to Warrants \(expiring October 28, 2018\)\), dated as of January 25, 2011, between the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 503.07 Td (Company and Computershare Inc. and Computershare Trust Company, N.A., as Warrant Agent, incorporated by) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 493.07 Td (reference to Exhibit 4.1 to the Companys Form 8-A filed January 26, 2011 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 454.17 Td (4.18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 464.07 Td (Specimen Warrant for 210,084,034 Warrants, incorporated by reference to Exhibit 4.2 to the Companys Form 8-A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 454.07 Td (filed January 26, 2011 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 406.17 Td (4.19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 426.07 Td (Form of Capital Securities Guarantee Agreement between the Company, as Guarantor, and The Bank of New York) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 416.07 Td (Mellon, as Guarantee Trustee, incorporated by reference to Exhibit 4.32 to the Company's Registration Statement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 406.07 Td (on Form S-3 filed July 2, 2004 \(File No. 333-117615\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 367.17 Td (4.20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 377.07 Td (Specimen Physical Common Stock Certificate of the Company, incorporated by reference to Exhibit 4.1 to the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 367.07 Td (Companys Current Report on Form 8-K filed May 9, 2011 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 318.17 Td (10.01*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 338.07 Td (Citi Discretionary Incentive and Retention Award Plan \(as Amended and Restated Effective as of January 1, 2015\),) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 328.07 Td (incorporated by reference to Exhibit 10.01 to the Companys Annual Report on Form 10-K for the fiscal year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 318.07 Td (ended December 31, 2014 \(File No. 001-09924\) \(the Companys 2014 10-K\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 270.17 Td (10.02.1*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 290.07 Td (Citigroup 1999 Stock Incentive Plan \(as amended and restated effective January 1, 2009\), incorporated by) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 280.07 Td (reference to Exhibit 10.15 to the Companys Annual Report on Form 10-K for the fiscal year ended December 31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 270.07 Td (2008 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 232.17 Td (10.02.2*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 242.07 Td (Citigroup 2009 Stock Incentive Plan \(as amended and restated effective April 24, 2013\), incorporated by reference) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 232.07 Td (to Exhibit 10.1 to the Companys Current Report on Form 8-K filed April 26, 2013 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 194.17 Td (10.02.3*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 204.07 Td (Citigroup 2014 Stock Incentive Plan \(as amended and restated effective April 28, 2015\), incorporated by reference) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 194.07 Td (to Exhibit 4.1 to the Companys Registration Statement on Form S-8 filed May 1, 2015 \(File No. 333-203791\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 155.17 Td (10.03*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 165.07 Td (Citigroup Inc. Deferred Cash Award Plan \(as Amended and Restated Effective as of January 1, 2015\), incorporated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 155.07 Td (by reference to Exhibit 10.03 to the Companys 2014 10-K.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 106.17 Td (10.04.1*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 126.07 Td (Form of Citigroup Inc. 2012 Discretionary Incentive and Retention Award Agreement, incorporated by reference to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 116.07 Td (Exhibit 10.01 to the Companys Quarterly Report on Form 10-Q for the quarterly period ended September 30,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 106.07 Td (2011 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 67.17 Td (10.04.2*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 77.07 Td (Form of Citigroup Inc. 2013 CAP/DCAP Agreement, incorporated by reference to Exhibit 10.01 to the Companys) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 67.07 Td (Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2012 \(File No. 001-09924\).) Tj ET Q endstream endobj 639 0 obj <> endobj 640 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (317) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 756 m 35.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 756 m 82.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 756 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 755.5 m 82.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 756 m 82.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 756 m 107.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 756 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 755.5 m 107.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 756 m 107.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 756 m 575.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 756 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 755.5 m 575.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 755.5 m 35.5 731.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 755.5 m 82.5 731.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 755.5 m 82.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 731.5 m 82.5 731.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 755.5 m 82.5 731.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 755.5 m 107.5 731.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 755.5 m 107.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 731.5 m 107.5 731.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 755.5 m 107.5 731.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 755.5 m 575.5 731.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 755.5 m 575.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 731.5 m 575.5 731.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 731.5 m 35.5 717.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 731.5 m 82.5 717.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 731.5 m 82.5 731.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 717.5 m 82.5 717.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 731.5 m 82.5 717.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 731.5 m 107.5 717.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 731.5 m 107.5 731.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 717.5 m 107.5 717.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 731.5 m 107.5 717.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 731.5 m 575.5 717.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 731.5 m 575.5 731.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 717.5 m 575.5 717.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 717.5 m 35.5 693.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 717.5 m 82.5 693.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 717.5 m 82.5 717.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 693.5 m 82.5 693.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 717.5 m 82.5 693.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 717.5 m 107.5 693.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 717.5 m 107.5 717.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 693.5 m 107.5 693.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 717.5 m 107.5 693.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 717.5 m 575.5 693.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 717.5 m 575.5 717.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 693.5 m 575.5 693.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 693.5 m 35.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 693.5 m 82.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 693.5 m 82.5 693.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 679.5 m 82.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 693.5 m 82.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 693.5 m 107.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 693.5 m 107.5 693.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 679.5 m 107.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 693.5 m 107.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 693.5 m 575.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 693.5 m 575.5 693.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 679.5 m 575.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 679.5 m 35.5 655.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 679.5 m 82.5 655.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 679.5 m 82.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 655.5 m 82.5 655.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 679.5 m 82.5 655.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 679.5 m 107.5 655.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 679.5 m 107.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 655.5 m 107.5 655.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 679.5 m 107.5 655.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 679.5 m 575.5 655.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 679.5 m 575.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 655.5 m 575.5 655.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 655.5 m 35.5 641.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 655.5 m 82.5 641.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 655.5 m 82.5 655.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 641.5 m 82.5 641.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 655.5 m 82.5 641.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 655.5 m 107.5 641.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 655.5 m 107.5 655.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 641.5 m 107.5 641.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 655.5 m 107.5 641.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 655.5 m 575.5 641.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 655.5 m 575.5 655.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 641.5 m 575.5 641.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 641.5 m 35.5 617.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 641.5 m 82.5 617.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 641.5 m 82.5 641.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 617.5 m 82.5 617.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 641.5 m 82.5 617.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 641.5 m 107.5 617.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 641.5 m 107.5 641.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 617.5 m 107.5 617.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 641.5 m 107.5 617.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 641.5 m 575.5 617.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 641.5 m 575.5 641.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 617.5 m 575.5 617.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 617.5 m 35.5 602.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 617.5 m 82.5 602.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 617.5 m 82.5 617.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 602.5 m 82.5 602.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 617.5 m 82.5 602.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 617.5 m 107.5 602.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 617.5 m 107.5 617.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 602.5 m 107.5 602.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 617.5 m 107.5 602.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 617.5 m 575.5 602.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 617.5 m 575.5 617.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 602.5 m 575.5 602.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 602.5 m 35.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 602.5 m 82.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 602.5 m 82.5 602.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 578.5 m 82.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 602.5 m 82.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 602.5 m 107.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 602.5 m 107.5 602.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 578.5 m 107.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 602.5 m 107.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 602.5 m 575.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 602.5 m 575.5 602.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 578.5 m 575.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 578.5 m 35.5 565.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 578.5 m 82.5 565.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 578.5 m 82.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 565.5 m 82.5 565.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 578.5 m 82.5 565.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 578.5 m 107.5 565.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 578.5 m 107.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 565.5 m 107.5 565.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 578.5 m 107.5 565.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 578.5 m 575.5 565.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 578.5 m 575.5 578.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 565.5 m 575.5 565.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 565.5 m 35.5 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 565.5 m 82.5 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 565.5 m 82.5 565.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 531.5 m 82.5 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 565.5 m 82.5 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 565.5 m 107.5 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 565.5 m 107.5 565.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 531.5 m 107.5 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 565.5 m 107.5 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 565.5 m 575.5 531.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 565.5 m 575.5 565.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 531.5 m 575.5 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gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 335.5 m 575.5 320.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 335.5 m 575.5 335.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 320.5 m 575.5 320.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 320.5 m 35.5 296.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 320.5 m 82.5 296.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 320.5 m 82.5 320.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 296.5 m 82.5 296.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 320.5 m 82.5 296.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 320.5 m 107.5 296.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 320.5 m 107.5 320.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 296.5 m 107.5 296.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 320.5 m 107.5 296.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 320.5 m 575.5 296.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 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35.5 248.5 m 35.5 234.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 248.5 m 82.5 234.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 248.5 m 82.5 248.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 234.5 m 82.5 234.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 248.5 m 82.5 234.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 248.5 m 107.5 234.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 248.5 m 107.5 248.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 234.5 m 107.5 234.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 248.5 m 107.5 234.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 248.5 m 575.5 234.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 248.5 m 575.5 248.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 234.5 m 575.5 234.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 234.5 m 35.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 234.5 m 82.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 234.5 m 82.5 234.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 200.5 m 82.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 234.5 m 82.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 234.5 m 107.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 234.5 m 107.5 234.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 200.5 m 107.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 234.5 m 107.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 234.5 m 575.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 234.5 m 575.5 234.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 200.5 m 575.5 200.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 200.5 m 35.5 186.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 200.5 m 82.5 186.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 200.5 m 82.5 200.5 l 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/GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 186.5 m 82.5 152.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 186.5 m 107.5 152.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 186.5 m 107.5 186.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 152.5 m 107.5 152.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 186.5 m 107.5 152.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 186.5 m 575.5 152.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 186.5 m 575.5 186.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 152.5 m 575.5 152.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 152.5 m 35.5 138.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 152.5 m 82.5 138.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 152.5 m 82.5 152.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 138.5 m 82.5 138.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 152.5 m 82.5 138.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 152.5 m 107.5 138.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 152.5 m 107.5 152.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 138.5 m 107.5 138.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 152.5 m 107.5 138.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 152.5 m 575.5 138.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 152.5 m 575.5 152.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 138.5 m 575.5 138.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 138.5 m 35.5 104.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 138.5 m 82.5 104.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 138.5 m 82.5 138.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 104.5 m 82.5 104.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 138.5 m 82.5 104.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 138.5 m 107.5 104.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 138.5 m 107.5 138.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 104.5 m 107.5 104.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 138.5 m 107.5 104.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 138.5 m 575.5 104.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 138.5 m 575.5 138.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 104.5 m 575.5 104.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 104.5 m 35.5 90.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 104.5 m 82.5 90.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 104.5 m 82.5 104.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 90.5 m 82.5 90.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 104.5 m 82.5 90.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 104.5 m 107.5 90.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 104.5 m 107.5 104.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 90.5 m 107.5 90.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 104.5 m 107.5 90.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 104.5 m 575.5 90.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 104.5 m 575.5 104.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 90.5 m 575.5 90.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 90.5 m 35.5 66.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 90.5 m 82.5 66.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 90.5 m 82.5 90.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 66.5 m 82.5 66.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 90.5 m 82.5 66.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 90.5 m 107.5 66.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 90.5 m 107.5 90.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 66.5 m 107.5 66.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 90.5 m 107.5 66.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 90.5 m 575.5 66.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 90.5 m 575.5 90.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 66.5 m 575.5 66.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 66.5 m 35.5 51.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 66.5 m 82.5 51.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 66.5 m 82.5 66.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 51.5 m 82.5 51.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 66.5 m 82.5 51.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 66.5 m 107.5 51.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 66.5 m 107.5 66.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 51.5 m 107.5 51.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 66.5 m 107.5 51.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 66.5 m 575.5 51.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 66.5 m 575.5 66.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 51.5 m 575.5 51.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 51.5 m 35.5 51 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 51.5 m 82.5 51 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 51.5 m 82.5 51.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 51 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 51.5 m 82.5 51 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 51.5 m 107.5 51 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 51.5 m 107.5 51.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 51 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 51.5 m 107.5 51 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 51.5 m 575.5 51 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 51.5 m 575.5 51.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 51 m BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 736.17 Td (10.04.3*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 746.07 Td (Form of Citigroup Inc. 2014 CAP/DCAP Agreement, incorporated by reference to Exhibit 10.01 to the Companys) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 736.07 Td (Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2013 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 698.17 Td (10.04.4*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 708.07 Td (Form of Citigroup Inc. 2015 CAP/DCAP Agreement, incorporated by reference to Exhibit 10.01 to the Companys) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 698.07 Td (Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2014 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 660.17 Td (10.04.5*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 670.07 Td (Form of Citigroup Inc. 2016 CAP/DCAP Agreement, incorporated by reference to Exhibit 10.01 to the Companys) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 660.07 Td (Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2015 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 622.17 Td (10.05*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 632.07 Td (Form of Citigroup Executive Premium Price Option Agreement, incorporated by reference to Exhibit 99.2 to the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 622.07 Td (Companys Current Report on Form 8-K filed January 21, 2009 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 583.17 Td (10.06*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 593.07 Td (2011 Citigroup Executive Performance Plan, incorporated by reference to Exhibit 10.2 to the Companys Current) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 583.07 Td (Report on Form 8-K filed April 26, 2011 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 536.17 Td (10.07*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 556.07 Td (Form of Citigroup Inc. Employee Option Grant Agreement \(Executive Option Grant Program\), incorporated by) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 546.07 Td (reference to Exhibit 10.01 to the Companys Quarterly Report on Form 10-Q for the quarterly period ended June) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 536.07 Td (30, 2011 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 487.17 Td (10.08.1*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 507.07 Td (Form of Citigroup Inc. Performance Share Unit Award Agreement \(awards dated February 19, 2013\), incorporated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 497.07 Td (by reference to Exhibit 10.02 to the Companys Quarterly Report on Form 10-Q for the quarterly period ended) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 487.07 Td (March 31, 2013 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 438.17 Td (10.08.2*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 458.07 Td (Form of Citigroup Inc. Performance Share Unit ) Tj ET Q q 0 0 0 rg BT 302.18 458.07 Td (A) Tj ET Q q 0 0 0 rg BT 308.49 458.07 Td (ward ) Tj ET Q q 0 0 0 rg BT 330.42 458.07 Td (Agreement \(awards dated February 18, 2014\), incorporated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 448.07 Td (by reference to Exhibit 10.01 to the Company) Tj ET Q q 0 0 0 rg BT 296.06 448.07 Td (s Quarterly Report on Form 10-Q for the quarterly period ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 438.07 Td (March 31, 2014 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 389.17 Td (10.08.3*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 409.07 Td (Form of Citigroup Inc. Performance Share Unit Award Agreement \(awards dated February 18, 2015\), incorporated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 399.07 Td (by reference to Exhibit 10.01 to the Companys Quarterly Report on Form 10-Q for the quarterly period ended) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 389.07 Td (March 31, 2015 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 340.17 Td (10.09*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 360.07 Td (Citigroup Management Committee Termination Notice and Non-Solicitation Policy, effective October 2, 2006,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 350.07 Td (incorporated by reference to Exhibit 10.1 to the Companys Current Report on Form 8-K filed October 6, 2006) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 340.07 Td (\(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 301.17 Td (10.10.1*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 311.07 Td (Citicorp Deferred Compensation Plan, effective October 1995, incorporated by reference to Exhibit 10 to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 301.07 Td (Citicorps Registration Statement on Form S-8 filed February 15, 1996 \(File No. 333-00983\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 253.17 Td (10.10.2*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 273.07 Td (Amendment to the Citicorp Deferred Compensation Plan, incorporated by reference to Exhibit 10.18.2 to the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 263.07 Td (Companys Annual Report on Form 10-K for the fiscal year ended December 31, 1999 \(File No. 001-09924\) \(the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 253.07 Td (Companys 1999 10-K\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 205.17 Td (10.10.3*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 225.07 Td (Amendment to the Citicorp Deferred Compensation Plan, effective as of September 28, 2001, incorporated by) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 215.07 Td (reference to Exhibit 10.17.3 to the Companys Annual Report on Form 10-K for the fiscal year ended December) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 205.07 Td (31, 2001 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 157.17 Td (10.10.4*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 177.07 Td (Nonqualified Plan Amendment to the Citicorp Deferred Compensation Plan, adopted November 19, 2009,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 167.07 Td (incorporated by reference to Exhibit 10.01.5 to the Companys Annual Report on Form 10-K for the fiscal year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 157.07 Td (ended December 31, 2009 \(File No. 001-09924\) \(the Companys 2009 10-K\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 109.17 Td (10.11.1*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 129.07 Td (Supplemental ERISA Compensation Plan of Citibank, N.A. and Affiliates, as amended and restated \(the Citibank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 119.07 Td (Supplemental ERISA Plan\), incorporated by reference to Exhibit 10.\(G\) to Citicorps Annual Report on Form 10-K) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 109.07 Td (for the fiscal year ended December 31, 1997 \(File No. 001-05378\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 71.17 Td (10.11.2*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 81.07 Td (Amendment to the Citibank Supplemental ERISA Plan \(the 1999 Amended Citibank Supplemental ERISA Plan\),) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 71.07 Td (incorporated by reference to Exhibit 10.21.2 to the Companys 1999 10-K.) Tj ET Q endstream endobj 641 0 obj <> endobj 642 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (318) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 756 m 35.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 756 m 82.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 756 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 755.5 m 82.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 756 m 82.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 756 m 107.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 756 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 755.5 m 107.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 756 m 107.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 756 m 575.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 756 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 755.5 m 575.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 755.5 m 35.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 755.5 m 82.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 755.5 m 82.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 721.5 m 82.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 755.5 m 82.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 755.5 m 107.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 755.5 m 107.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 721.5 m 107.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 755.5 m 107.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 755.5 m 575.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 755.5 m 575.5 755.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 721.5 m 575.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 721.5 m 35.5 707.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 721.5 m 82.5 707.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 721.5 m 82.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 707.5 m 82.5 707.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 721.5 m 82.5 707.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 721.5 m 107.5 707.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 721.5 m 107.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 707.5 m 107.5 707.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 721.5 m 107.5 707.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 721.5 m 575.5 707.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 721.5 m 575.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 707.5 m 575.5 707.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 707.5 m 35.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 707.5 m 82.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 707.5 m 82.5 707.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 673.5 m 82.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 707.5 m 82.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 707.5 m 107.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 707.5 m 107.5 707.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 673.5 m 107.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 707.5 m 107.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 707.5 m 575.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 707.5 m 575.5 707.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 673.5 m 575.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 673.5 m 35.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 673.5 m 82.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 673.5 m 82.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 658.5 m 82.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 673.5 m 82.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 673.5 m 107.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 673.5 m 107.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 658.5 m 107.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 673.5 m 107.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 673.5 m 575.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 673.5 m 575.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 658.5 m 575.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 658.5 m 35.5 634.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 658.5 m 82.5 634.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 658.5 m 82.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 634.5 m 82.5 634.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 658.5 m 82.5 634.5 l s 0 0 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gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 301.5 m 575.5 286.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 301.5 m 575.5 301.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 286.5 m 575.5 286.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 286.5 m 35.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 286.5 m 82.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 286.5 m 82.5 286.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 252.5 m 82.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 286.5 m 82.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 286.5 m 107.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 286.5 m 107.5 286.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 252.5 m 107.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 286.5 m 107.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 286.5 m 575.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 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J 0 j 3 M 107.5 237.5 m 575.5 237.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 237.5 m 35.5 223.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 237.5 m 82.5 223.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 237.5 m 82.5 237.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 223.5 m 82.5 223.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 237.5 m 82.5 223.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 237.5 m 107.5 223.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 237.5 m 107.5 237.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 223.5 m 107.5 223.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 237.5 m 107.5 223.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 237.5 m 575.5 223.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 237.5 m 575.5 237.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 223.5 m 575.5 223.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 223.5 m 35.5 209.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 223.5 m 82.5 209.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 223.5 m 82.5 223.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 209.5 m 82.5 209.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 223.5 m 82.5 209.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 223.5 m 107.5 209.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 223.5 m 107.5 223.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 209.5 m 107.5 209.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 223.5 m 107.5 209.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 223.5 m 575.5 209.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 223.5 m 575.5 223.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 209.5 m 575.5 209.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 209.5 m 35.5 195.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 209.5 m 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/GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 181.5 m 82.5 167.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 181.5 m 107.5 167.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 181.5 m 107.5 181.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 167.5 m 107.5 167.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 181.5 m 107.5 167.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 181.5 m 575.5 167.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 181.5 m 575.5 181.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 167.5 m 575.5 167.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 167.5 m 35.5 153.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 167.5 m 82.5 153.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 167.5 m 82.5 167.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 153.5 m 82.5 153.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 167.5 m 82.5 153.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 167.5 m 107.5 153.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 167.5 m 107.5 167.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 153.5 m 107.5 153.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 167.5 m 107.5 153.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 167.5 m 575.5 153.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 167.5 m 575.5 167.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 153.5 m 575.5 153.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 153.5 m 35.5 139.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 153.5 m 82.5 139.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 153.5 m 82.5 153.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 139.5 m 82.5 139.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 153.5 m 82.5 139.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 153.5 m 107.5 139.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 153.5 m 107.5 153.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 139.5 m 107.5 139.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 153.5 m 107.5 139.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 153.5 m 575.5 139.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 153.5 m 575.5 153.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 139.5 m 575.5 139.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 139.5 m 35.5 125.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 139.5 m 82.5 125.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 139.5 m 82.5 139.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 125.5 m 82.5 125.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 139.5 m 82.5 125.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 139.5 m 107.5 125.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 139.5 m 107.5 139.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 125.5 m 107.5 125.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 139.5 m 107.5 125.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 139.5 m 575.5 125.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 139.5 m 575.5 139.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 125.5 m 575.5 125.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 125.5 m 35.5 111.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 125.5 m 82.5 111.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 125.5 m 82.5 125.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 111.5 m 82.5 111.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 125.5 m 82.5 111.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 125.5 m 107.5 111.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 125.5 m 107.5 125.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 111.5 m 107.5 111.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 125.5 m 107.5 111.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 125.5 m 575.5 111.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 125.5 m 575.5 125.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 111.5 m 575.5 111.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 111.5 m 35.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 111.5 m 82.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 111.5 m 82.5 111.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 97.5 m 82.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 111.5 m 82.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 111.5 m 107.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 111.5 m 107.5 111.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 97.5 m 107.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 111.5 m 107.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 111.5 m 575.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 111.5 m 575.5 111.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 97.5 m 575.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 97.5 m 35.5 83.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 97.5 m 82.5 83.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 97.5 m 82.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 83.5 m 82.5 83.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 97.5 m 82.5 83.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 97.5 m 107.5 83.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 97.5 m 107.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 83.5 m 107.5 83.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 97.5 m 107.5 83.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 97.5 m 575.5 83.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 97.5 m 575.5 97.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 83.5 m 575.5 83.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 83.5 m 35.5 68.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 83.5 m 82.5 68.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 83.5 m 82.5 83.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 68.5 m 82.5 68.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 83.5 m 82.5 68.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 83.5 m 107.5 68.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 83.5 m 107.5 83.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 68.5 m 107.5 68.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 83.5 m 107.5 68.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 83.5 m 575.5 68.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 83.5 m 575.5 83.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 68.5 m 575.5 68.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 68.5 m 35.5 54.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 68.5 m 82.5 54.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 68.5 m 82.5 68.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 54.5 m 82.5 54.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 68.5 m 82.5 54.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 68.5 m 107.5 54.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 68.5 m 107.5 68.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 54.5 m 107.5 54.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 68.5 m 107.5 54.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 68.5 m 575.5 54.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 68.5 m 575.5 68.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 54.5 m 575.5 54.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 54.5 m 35.5 54 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 54.5 m 82.5 54 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 54.5 m 82.5 54.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 54 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 54.5 m 82.5 54 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 54.5 m 107.5 54 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 54.5 m 107.5 54.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 54 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 54.5 m 107.5 54 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 54.5 m 575.5 54 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 54.5 m 575.5 54.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 54 m BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 726.17 Td (10.11.3*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 746.07 Td (Amendment to the 1999 Amended Citibank Supplemental ERISA Plan \(the 2005 Amended Citibank Supplemental) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 736.07 Td (ERISA Plan\), incorporated by reference to Exhibit 10.04.1 to the Companys Annual Report on Form 10-K for the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 726.07 Td (fiscal year ended December 31, 2005 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 678.17 Td (10.11.4*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 698.07 Td (Amendment to the 2005 Amended Citibank Supplemental ERISA Plan, as amended January 1, 2009 \(the 2009) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 688.07 Td (Amended Citibank Supplemental ERISA Plan\), incorporated by reference to Exhibit 10.01.4 to the Companys) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 678.07 Td (2009 10-K.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 639.17 Td (10.11.5*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 649.07 Td (Nonqualified Plan Amendment to the 2009 Amended Citibank Supplemental ERISA Plan, approved November 19,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 639.07 Td (2009, incorporated by reference to Exhibit 10.01.5 to the Companys 2009 10-K.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 590.17 Td (10.11.6*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 610.07 Td (Amendment No. 4 to the 2009 Amended Citibank Supplemental ERISA Plan, approved December 21, 2012,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 600.07 Td (incorporated by reference to Exhibit 10.01.6 to the Companys Annual Report on Form 10-K for the fiscal year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 590.07 Td (ended December 31, 2012 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 540.17 Td (10.12*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 560.07 Td (Citigroup Inc. Omnibus Non-Qualified Plan Amendment effective as of June 2, 2014, incorporated by reference to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 550.07 Td (Exhibit 10.01 to the Companys Quarterly Report on Form 10-Q for the quarterly period ended June 30, 2014 \(File) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 540.07 Td (No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 501.17 Td (10.13*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 511.07 Td (Letter Agreement, dated December 21, 2011, between the Company and Michael Corbat, incorporated by reference) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 501.07 Td (to Exhibit 10.1 to the Companys Current Report on Form 8-K filed December 22, 2011 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 453.17 Td (10.14.1*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 473.07 Td (Citigroup Inc. Amended and Restated Compensation Plan for Non-Employee Directors \(as of September 21,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 463.07 Td (2004\), incorporated by reference to Exhibit 10.01 to the Companys Quarterly Report on Form 10-Q for the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 453.07 Td (quarterly period ended September 30, 2005 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 404.17 Td (10.14.2*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 424.07 Td (Form of Citigroup Inc. Non-Employee Director Equity Award Agreement \(pursuant to the Amended and Restated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 414.07 Td (Compensation Plan for Non-Employee Directors\), incorporated by reference to Exhibit 10.1 to the Companys) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 404.07 Td (Current Report on Form 8-K filed January 14, 2005 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 355.17 Td (10.14.3*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 375.07 Td (Form of Citigroup Inc. Non-Employee Director Equity Award Agreement \(effective November 1, 2006\),) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 365.07 Td (incorporated by reference to Exhibit 10.05 to the Companys Quarterly Report on Form 10-Q for the quarterly) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 355.07 Td (period ended September 30, 2006 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 306.17 Td (10.15*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 326.07 Td (Citigroup Inc. Non-Employee Directors Compensation Plan \(effective as of January 1, 2008\), incorporated by) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 316.07 Td (reference to Exhibit 10.01 to the Companys Quarterly Report on Form 10-Q for the quarterly period ended) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 306.07 Td (September 30, 2007 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 257.17 Td (10.16*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 277.07 Td (Letter Agreement dated May 28, 2015, between the Company and Manuel Medina-Mora re Banamex Board) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 267.07 Td (Service, incorporated by reference to Exhibit 10.01 to the Companys Current Report on Form 8-K filed May 29,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 257.07 Td (2015 \(File No. 001-09924\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 228.07 Td (12.01+) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 228.07 Td (Calculation of Ratio of Income to Fixed Charges.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 200.07 Td (12.02+) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 200.07 Td (Calculation of Ratio of Income to Fixed Charges Including Preferred Stock Dividends.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 172.07 Td (21.01+) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 172.07 Td (Subsidiaries of the Company.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 144.07 Td (23.01+) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 144.07 Td (Consent of KPMG LLP, Independent Registered Public Accounting Firm.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 116.07 Td (24.01+) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 116.07 Td (Powers of Attorney.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 88.07 Td (31.01+) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 88.07 Td (Certification of principal executive officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 59.07 Td (31.02+) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 59.07 Td (Certification of principal financial officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.) Tj ET Q endstream endobj 643 0 obj <> endobj 644 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 33.60 Td (319) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 755 m 35.5 754.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 755 m 82.5 754.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 755 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 754.5 m 82.5 754.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 755 m 82.5 754.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 755 m 107.5 754.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 755 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 754.5 m 107.5 754.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 755 m 107.5 754.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 755 m 575.5 754.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 755 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 754.5 m 575.5 754.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 754.5 m 35.5 740.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 754.5 m 82.5 740.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 754.5 m 82.5 754.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 740.5 m 82.5 740.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 754.5 m 82.5 740.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 754.5 m 107.5 740.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 754.5 m 107.5 754.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 82.5 740.5 m 107.5 740.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 754.5 m 107.5 740.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 575.5 754.5 m 575.5 740.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 754.5 m 575.5 754.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 107.5 740.5 m 575.5 740.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 35.5 740.5 m 35.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 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Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 721.07 Td (2002.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 693.07 Td (99.01+) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 693.07 Td (List of Securities Registered Pursuant to Section 12\(b\) of the Securities Exchange Act of 1934.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 38.00 634.17 Td (101.01+) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 664.07 Td (Financial statements from the Annual Report on Form 10-K of the Company for the fiscal year ended December) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 654.07 Td (31, 2015, filed February 26, 2016, formatted in XBRL: \(i\) the Consolidated Statement of Income, \(ii\) the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 644.07 Td (Consolidated Balance Sheet, \(iii\) the Consolidated Statement of Changes in Equity, \(iv\) the Consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.00 634.07 Td (Statement of Cash Flows and \(v\) the Notes to Consolidated Financial Statements.) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 556.80 Td (Copies of any of the exhibits referred to above will be furnished at a cost of $0.25 per page \(although no char) Tj ET Q q 0 0 0 rg BT 472.90 556.80 Td (ge will be made for the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 544.80 Td (2015 ) Tj ET Q q 0 0 0 rg BT 57.95 544.80 Td (Annual Report on Form 10-K\) to security holders who make written request to Citigroup Inc., Corporate Governance, 153 East ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 36.00 532.80 Td (53) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 46.00 537.33 Td (rd) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.41 532.80 Td ( Street, 19) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 92.24 537.33 Td (th) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.29 532.80 Td ( Floor) Tj ET Q q 0 0 0 rg BT 121.06 532.80 Td (, New ) Tj ET Q q 0 0 0 rg BT 147.07 532.80 Td (Y) Tj ET Q q 0 0 0 rg BT 153.29 532.80 Td (ork, New ) Tj ET Q q 0 0 0 rg BT 192.64 532.80 Td (Y) Tj ET Q q 0 0 0 rg BT 198.86 532.80 Td (ork 10022.) 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